KVMBOUW
ActiveThe computed 12-month bankruptcy probability of KVMBOUW is 1.5% (moderate). The 2025 annual accounts show equity of €189k and a net result of €604. Equity is growing by ~11.1% per year across the filed fiscal years. Its solvency ranks better than 80% of 7330 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
86
/ 100
Excellent▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability2▼-43
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 2.9 against 2.29 in 2024), and 27.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
72.7%
Return on assets
0.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 7 filingsDeviation from the deadline
2025
28 d late
2024
1 d early
2023
on the day
2022
18 d late
2021
23 d late
2020
16 d late
2019
17 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€189k▲ 0.3%
2024 · €189k
2019: €47k
2020: €117k
2021: €129k
2022: €163k
2023: €172k
2024: €189k
2019 → 2025
Total assets
€260k▼ 10.3%
2024 · €290k
2019: €216k
2020: €248k
2021: €263k
2022: €284k
2023: €276k
2024: €290k
2019 → 2025
Net result
€604▼ 96.5%
2024 · €17k
2019: €28k
2020: €70k
2021: €12k
2022: €33k
2023: €9k
2024: €17k
2019 → 2025
Working capital
€111k▲ 16.6%
2024 · €95k
2019: €-52k
2020: €-43k
2021: €6k
2022: €68k
2023: €112k
2024: €95k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€129k-€163k▲ 25.6%€172k▲ 5.5%€189k▲ 9.9%€189k▲ 0.3%
Operating result€31k-€46k▲ 47.9%€-3k€24k€974▼ 96.0%
Net result€12k-€33k▲ 171%€9k▼ 72.8%€17k▲ 89.1%€604▼ 96.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 96% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €260k
Fixed assets
€91k▼ 25.2%
Current assets
€170k▲ 0.4%
Equity and liabilities €260k
Equity
€189k▲ 0.3%
Debt
€71k▼ 30.0%
The debt ratio falls from 35.0% to 27.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€49k▼
2024 · €67k
Cash flow
€48k▼
2024 · €60k
Solvency
72.7%▲
2024 · 65.0%
Current ratio
2.90▲
2024 · 2.29
Quick ratio
1.72▲
2024 · 1.36
Debt / equity
0.38▼
2024 · 0.54
ROE
0.3%▼
2024 · 9.0%
ROA
0.2%▼
2024 · 5.9%
Interest coverage
29.64▼
2024 · 36.07
Debt
€71k▼
2024 · €102k
Debt ≤ 1 year
€58k▼
2024 · €74k
Debt > 1 year
€13k▼
2024 · €28k
Income taxes
€-45▼
2024 · €5k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€290k€260k▼
Fixed assets21/28€121k€91k▼
Tangible fixed assets22/27€121k€91k▼
Land and buildings22-€15k
Plant, machinery and equipment23€96k€57k▼
Furniture and vehicles24€26k€19k▼
Current assets29/58€169k€170k▲
Stocks and contracts in progress3€69k€69k=
Stocks30/36€69k€69k=
Amounts receivable within one year40/41€55k€58k▲
Trade receivables40€26k€3k▼
Other amounts receivable41€29k€55k▲
Current investments50/53€23k€33k▲
Cash at bank and in hand54/58€22k€9k▼
Equity and liabilities
Total equity and liabilities10/49€290k€260k▼
Equity10/15€189k€189k▲
Contributions10/11€19k€19k=
Reserves13€61k€62k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€59k€60k▲
Profit (loss) carried forward14€109k€109k=
Amounts payable17/49€102k€71k▼
Amounts payable after more than one year17€28k€13k▼
Financial debts170/4€28k€13k▼
Amounts payable within one year42/48€74k€58k▼
Current portion of amounts payable after more than one year42€26k€19k▼
Trade debts44€19k€14k▼
Suppliers440/4€19k€14k▼
Taxes, remuneration and social security45€3k€0▼
Taxes450/3€3k€0▼
Other amounts payable47/48€26k€25k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€43k€48k▲
Other operating charges640/8€3k€1k▼
Gross operating margin9900€70k€50k▼
Operating profit (loss)9901€24k€974▼
Financial income75/76B€193€1k▲
Recurring financial income75€193€1k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€22k€559▼
Income taxes67/77€5k€-45▼
Profit (loss) for the period9904€17k€604▼
Profit (loss) for the period to be appropriated9905€17k€604▼
Appropriation of the result
Profit (loss) to be appropriated9906€126k€110k▼
Profit (loss) brought forward from the previous period14P€109k€109k=
Transfer to equity691/2€17k€604▼
To other reserves6921€17k€604▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Weakest financial yearnet €604 ▼96.5%
Net result drops to €604, the lowest in the series.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
18-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 18 days late
2022
31-12
Financial
Equity above €150kEq €163k ▲25.6%
4 profitable years in a row build equity to €163k.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
16-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 16 days late
2020
31-12
Financial
Highest result since 2019net €70k ▲148%
Operating result €83k, net result €70k, both a record.
31-12
Financial
Equity above €100kEq €117k ▲150%
2 profitable years in a row build equity to €117k.
17-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Overijse · 1 establishment unit since 2018
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Breerijke 833090 OverijseGround area
1,179 m²
Building footprint
153 m²
Volume, LiDAR
1,078 m³
2 parcels, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Zavelbergstraat 4, 3090 Overijse
since 20182.282.492.944
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23546L0747/00R002 | Flanders | 649 m² | - | - |
| 23542H0389/00L002 | Flanders | 529 m² | 1 · 153 m² | 10.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 246 EUR awarded · 246 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 0 EUR | 45 EUR |
| 2024 | 1 | 86 EUR | 41 EUR |
| 2023 | 1 | 0 EUR | 160 EUR |
| 2022 | 1 | 160 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 2,448 companies in sector 41003 we hold annual accounts for 1,055. 721 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-11-2018
Fiscal year end31-12
Activities, NACEBEL
41003General construction of other non-residential buildings
41001General construction of residential buildings
43240Other construction installation
43299Specialised construction activities
43350Other building finishing work
43910Bricklaying and masonry work
43990Other specialised construction activities
43994Specialised construction activities
43999Specialised construction activities
71121Engineering and related technical consultancy, excluding land surveyors
90021Arts creation and performing arts activities
90391Promotion and organisation of arts and performing arts events
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.