KVMS
ActiveKVMS has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €46k and a net result of €-855. Equity is growing by ~13.9% per year across the filed fiscal years. Its solvency ranks better than 63% of 31510 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
70
/ 100
Healthy▼ -30 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.79 against 3.11 in 2024), and 31.2% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
68.8%
Return on assets
-1.3%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-06-2026, 53 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
53 d early
2024
17 d early
2023
99 d early
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€46k▼ 1.8%
2024 · €46k
2023: €33k
2024: €46k
2023 → 2025
Total assets
€66k▼ 0.1%
2024 · €66k
2023: €49k
2024: €66k
2023 → 2025
Net result
€-855
2024 · €15k
2023: €-4k
2024: €15k
2023 → 2025
Working capital
€32k▼ 24.3%
2024 · €42k
2023: €26k
2024: €42k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€33k-€46k▲ 41.1%€46k▼ 1.8%
Operating result€-3k-€22k€870▼ 96.1%
Net result€-4k-€15k€-855
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 €66k
Fixed assets
€17k▲ 250%
Current assets
€49k▼ 20.0%
Equity and liabilities €66k
Equity
€46k▼ 1.8%
Debt
€21k▲ 3.9%
The debt ratio rises from 30.0% to 31.2%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€5k▼
2024 · €24k
Cash flow
€3k▼
2024 · €17k
Solvency
68.8%▼
2024 · 70.0%
Current ratio
2.79▼
2024 · 3.11
Quick ratio
2.79▼
2024 · 3.11
Debt / equity
0.45▲
2024 · 0.43
ROE
-1.9%▼
2024 · 32.8%
ROA
-1.3%▼
2024 · 23.0%
Interest coverage
6.70▼
2024 · 39.44
Debt
€21k▲
2024 · €20k
Debt ≤ 1 year
€18k▼
2024 · €20k
Debt > 1 year
€3k
Income taxes
€959▼
2024 · €6k
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€66k€66k▼
Fixed assets21/28€5k€17k▲
Tangible fixed assets22/27€5k€17k▲
Furniture and vehicles24€5k€17k▲
Current assets29/58€62k€49k▼
Amounts receivable within one year40/41€39k€40k▲
Trade receivables40€39k€36k▼
Other amounts receivable41€0€4k▲
Cash at bank and in hand54/58€20k€6k▼
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€66k€66k▼
Equity10/15€46k€46k▼
Contributions10/11€2k€2k=
Reserves13€44k€44k=
Distributable reserves133€44k€44k=
Profit (loss) carried forward14€0€-855▼
Amounts payable17/49€20k€21k▲
Amounts payable after more than one year17-€3k
Financial debts170/4-€3k
Amounts payable within one year42/48€20k€18k▼
Current portion of amounts payable after more than one year42-€3k
Trade debts44€4k€1k▼
Suppliers440/4€4k€1k▼
Taxes, remuneration and social security45€9k€9k▼
Taxes450/3€7k€6k▼
Remuneration and social security454/9€2k€3k▲
Other amounts payable47/48€7k€4k▼
Accrued charges and deferred income492/3€150€150=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€4k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€26k€7k▼
Operating profit (loss)9901€22k€870▼
Financial income75/76B€0€1▲
Recurring financial income75€0€1▲
Financial charges65/66B€613€767▲
Recurring financial charges65€613€767▲
Profit (loss) for the period before taxes9903€22k€104▼
Income taxes67/77€6k€959▼
Profit (loss) for the period9904€15k€-855▼
Profit (loss) for the period to be appropriated9905€15k€-855▼
Appropriation of the result
Profit (loss) to be appropriated9906€11k€-855▼
Profit (loss) brought forward from the previous period14P€-4k€0▲
Transfer from equity791/2€0-
Transfer to equity691/2€9k€0▼
To other reserves6921€9k€0▼
Profit to be distributed694/7€2k€0▼
Return on contributions (dividend)694€2k€0▼
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
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
23-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2023
Kim VERMONT
CurrentDirector · since 05-04-2023
05-04-2023
Appointed as Director
05-04-2023
Resigned as Manager
Location & real-estate footprint
Registered office, Wervik · 1 establishment unit since 2011
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.
Clermontstraat 138940 WervikGround area
358 m²
Building footprint
95 m²
Volume, LiDAR
467 m³
Parcel 33009C0467/00E003, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
KVMS
since 20112.203.149.815
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33009C0467/00E003 | Flanders | 358 m² | 1 · 95 m² | 7.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
MISTER WOLF
BE 0700.744.331
Schoten · Eq €46k
ARBITER ADVISORY
BE 1008.026.671
Schaarbeek · Eq €46k
MARIEKE FROYEN - HR MANAGEMENT - CONSULTANCY - TRAINING
BE 0803.030.930
Halen · Eq €46k
AVHR
BE 0763.471.360
Puurs-Sint-Amands · Eq €46k
EDAL CONSULTING
BE 0756.530.219
Hoeilaart · Eq €46k
Of 82,218 companies in sector 70200 we hold annual accounts for 52,396. 37,481 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-09-2011
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
46130Agents in the wholesale of timber and building materials
47522Retail trade
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.