KWAYA
ActiveKWAYA has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €472k and a net result of €46k. Equity is growing by ~20.3% per year across the filed fiscal years. Its solvency ranks better than 50% of 786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▲+4
Solvency73▲+5
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 2.38 against 1.63 in 2024; short-term debt: 7.4% and cash: 9.1% of total assets), but 52.5% 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○neutral
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
47.5%
Return on assets
4.7%
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 78
Relative position
BE, all sectors
reference
Sector 78
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
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
34 d early
2023
19 d early
2022
23 d early
2021
40 d early
2020
1 d early
2019
90 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€472k▲ 10.9%
2024 · €426k
2018: €88k
2019: €136k
2020: €212k
2021: €271k
2022: €283k
2023: €404k
2024: €426k
2018 → 2025
Total assets
€993k▲ 1.1%
2024 · €982k
2018: €418k
2019: €667k
2020: €713k
2021: €696k
2022: €882k
2023: €929k
2024: €982k
2018 → 2025
Net result
€46k▲ 114%
2024 · €22k
2018: €50k
2019: €48k
2020: €76k
2021: €60k
2022: €11k
2023: €121k
2024: €22k
2018 → 2025
Working capital
€101k▲ 98.8%
2024 · €51k
2018: €6k
2019: €13k
2020: €18k
2021: €-21k
2022: €821
2023: €143k
2024: €51k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€271k-€283k▲ 4.2%€404k▲ 43.0%€426k▲ 5.3%€472k▲ 10.9%
Operating result€98k-€28k▼ 71.6%€183k▲ 560%€49k▼ 73.2%€88k▲ 78.4%
Net result€60k-€11k▼ 80.8%€121k▲ 964%€22k▼ 82.3%€46k▲ 114%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 78% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €993k
Fixed assets
€818k▼ 3.8%
Current assets
€175k▲ 32.9%
Equity and liabilities €993k
Equity
€472k▲ 10.9%
Provisions
€27k▼ 3.3%
Debt
€494k▼ 6.6%
The debt ratio falls from 53.8% to 49.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€131k▲
2024 · €97k
Cash flow
€90k▲
2024 · €69k
Solvency
47.5%▲
2024 · 43.3%
Current ratio
2.38▲
2024 · 1.63
Quick ratio
2.38▲
2024 · 1.63
Debt / equity
1.05▼
2024 · 1.24
ROE
9.8%▲
2024 · 5.1%
ROA
4.7%▲
2024 · 2.2%
Interest coverage
7.74▲
2024 · 6.04
Debt
€494k▼
2024 · €528k
Debt ≤ 1 year
€73k▼
2024 · €80k
Debt > 1 year
€360k▼
2024 · €417k
Income taxes
€26k▲
2024 · €12k
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€982k€993k▲
Fixed assets21/28€851k€818k▼
Intangible fixed assets21€4k€4k▼
Tangible fixed assets22/27€846k€814k▼
Land and buildings22€811k€792k▼
Plant, machinery and equipment23€15k€14k▼
Furniture and vehicles24€20k€8k▼
Current assets29/58€131k€175k▲
Amounts receivable within one year40/41€15k€11k▼
Trade receivables40€7k€3k▼
Other amounts receivable41€8k€9k▲
Current investments50/53-€69k
Cash at bank and in hand54/58€113k€90k▼
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€982k€993k▲
Equity10/15€426k€472k▲
Contributions10/11€19k€19k=
Reserves13€407k€453k▲
Tax-exempt reserves132€85k€82k▼
Distributable reserves133€323k€372k▲
Provisions and deferred taxes16€28k€27k▼
Deferred taxes168€28k€27k▼
Amounts payable17/49€528k€494k▼
Amounts payable after more than one year17€417k€360k▼
Financial debts170/4€417k€360k▼
Amounts payable within one year42/48€80k€73k▼
Current portion of amounts payable after more than one year42€24k€20k▼
Financial debts43€87€3k▲
Credit institutions430/8€87€3k▲
Trade debts44€558€1k▲
Suppliers440/4€558€1k▲
Taxes, remuneration and social security45€4k€32k▲
Taxes450/3€4k€32k▲
Other amounts payable47/48€51k€17k▼
Accrued charges and deferred income492/3€31k€61k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€48k€44k▼
Other operating charges640/8€12k€4k▼
Gross operating margin9900€109k€135k▲
Operating profit (loss)9901€49k€88k▲
Financial income75/76B€23€323▲
Recurring financial income75€23€323▲
Financial charges65/66B€16k€17k▲
Recurring financial charges65€16k€17k▲
Profit (loss) for the period before taxes9903€33k€71k▲
Transfer from deferred taxes780€851€925▲
Income taxes67/77€12k€26k▲
Profit (loss) for the period9904€22k€46k▲
Transfer from tax-exempt reserves789€3k€3k▲
Profit (loss) for the period to be appropriated9905€24k€49k▲
Appropriation of the result
Profit (loss) to be appropriated9906€24k€49k▲
Transfer to equity691/2€24k€49k▲
To other reserves6921€24k€49k▲
The notes to these accounts (12 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €121k ▲964%
Operating result €183k, net result €121k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 2.87
Current ratio from 1.01 to 2.87; short-term debt falls from €93k to €76k.
08-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €11k ▼80.8%
Net result drops to €11k, the lowest in the series; recovery starts the following year.
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €200kEq €212k ▲56.1%
3 profitable years in a row build equity to €212k.
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 90 days late
2019
31-12
Financial
Equity above €100kEq €136k ▲54.1%
2 profitable years in a row build equity to €136k.
03-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 27 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Kontich · 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.
Drabstraat 1372550 KontichGround area
333 m²
Building footprint
105 m²
Volume, LiDAR
723 m³
Parcel 11024F0049/00N002, Flanders · tallest building 11.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kwaya
since 20112.203.636.595
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11024F0049/00N002 | Flanders | 333 m² | 1 · 105 m² | 11.5 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.
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Of 2,362 companies in sector 78100 we hold annual accounts for 1,365. 893 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-10-2011
Fiscal year end31-12
Activities, NACEBEL
78100Employment placement agencies
93110Operation of sports facilities
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.