KY SERVICES
ActiveThe computed 12-month bankruptcy probability of KY SERVICES is 2.0% (moderate). The 2025 annual accounts show equity of €16k and a net result of €2k. Equity is growing by ~27% per year across the filed fiscal years. Its solvency ranks better than 39% of 18281 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-10
Solvency46▼-10
Growth52=
Track record94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.67 against 0.9 in 2024; short-term debt: 42.2% and cash: 20.9% of total assets), and 79.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 3 filingsDeviation from the deadline
2025
31 d late
2024
29 d early
2023
22 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€16k▲ 17.8%
2024 · €13k
2023: €9k
2024: €13k
2023 → 2025
Total assets
€76k▲ 76.3%
2024 · €43k
2023: €49k
2024: €43k
2023 → 2025
Net result
€2k▼ 51.1%
2024 · €5k
2023: €6k
2024: €5k
2023 → 2025
Working capital
€-11k▼ 466%
2024 · €-2k
2023: €-17k
2024: €-2k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€9k-€13k▲ 57.0%€16k▲ 17.8%
Operating result€10k-€9k▼ 6.0%€7k▼ 23.7%
Net result€6k-€5k▼ 12.1%€2k▼ 51.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 24% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €76k
Fixed assets
€55k▲ 113%
Current assets
€22k▲ 22.5%
Equity and liabilities €76k
Equity
€16k▲ 17.8%
Debt
€60k▲ 103%
The debt ratio rises from 69.0% to 79.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€20k▼
2024 · €24k
Cash flow
€15k▼
2024 · €20k
Solvency
20.7%▼
2024 · 31.0%
Current ratio
0.67▼
2024 · 0.90
Quick ratio
0.67▼
2024 · 0.90
Debt / equity
3.82▲
2024 · 2.22
ROE
15.1%▼
2024 · 36.3%
ROA
3.1%▼
2024 · 11.3%
Interest coverage
16.95▼
2024 · 42.86
Debt
€60k▲
2024 · €30k
Debt ≤ 1 year
€32k▲
2024 · €20k
Debt > 1 year
€28k▲
2024 · €10k
Income taxes
€3k▼
2024 · €4k
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€43k€76k▲
Fixed assets21/28€26k€55k▲
Tangible fixed assets22/27€26k€55k▲
Furniture and vehicles24€26k€55k▲
Current assets29/58€18k€22k▲
Amounts receivable within one year40/41€11k€6k▼
Trade receivables40-€112
Other amounts receivable41€11k€5k▼
Cash at bank and in hand54/58€6k€16k▲
Deferred charges and accrued income490/1€205€205▲
Equity and liabilities
Total equity and liabilities10/49€43k€76k▲
Equity10/15€13k€16k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€10k€13k▲
Amounts payable17/49€30k€60k▲
Amounts payable after more than one year17€10k€28k▲
Financial debts170/4€10k€28k▲
Amounts payable within one year42/48€20k€32k▲
Current portion of amounts payable after more than one year42€5k€13k▲
Trade debts44€610€1k▲
Suppliers440/4€610€1k▲
Advances received on contracts in progress46-€3k
Taxes, remuneration and social security45€14k€15k▲
Taxes450/3€12k€13k▲
Remuneration and social security454/9€2k€2k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€13k▼
Other operating charges640/8€2k€3k▲
Non-recurring operating charges66A-€4k
Gross operating margin9900€26k€26k▲
Operating profit (loss)9901€9k€7k▼
Financial income75/76B-€19
Recurring financial income75-€19
Financial charges65/66B€568€1k▲
Recurring financial charges65€568€1k▲
Profit (loss) for the period before taxes9903€8k€6k▼
Income taxes67/77€4k€3k▼
Profit (loss) for the period9904€5k€2k▼
Profit (loss) for the period to be appropriated9905€5k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€10k€13k▲
Profit (loss) brought forward from the previous period14P€6k€10k▲
The notes to these accounts (8 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
31-12
Financial
Weakest financial yearnet €2k ▼51.1%
Net result drops to €2k, the lowest in the series.
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
09-07
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 act for this company is 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, Lennik · 1 establishment unit since 2023
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.
Frans Luckxstraat 521750 LennikGround area
595 m²
Building footprint
214 m²
Volume, LiDAR
837 m³
Parcel 23072F0355/00X000, Flanders · tallest building 8.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
KY SERVICERS
since 20232.341.723.421
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23072F0355/00X000 | Flanders | 595 m² | 1 · 214 m² | 8.4 m · 1 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
ELUX
BE 0422.777.369
Aartselaar · Eq €16k
BioLux
BE 0794.448.707
Oudergem · Eq €16k
BATIT PROTECT
BE 0700.560.526
Wavre · Eq €15k
LANCKRIET en CO
BE 0436.615.410
Wingene · Eq €16k
KORALY
BE 0782.375.373
Riemst · Eq €16k
Of 1,510 companies in sector 47540 we hold annual accounts for 805. 358 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-02-2023
Fiscal year end31-12
Activities, NACEBEL
47540Retail sale of electrical household appliances
46190Agents in non-specialised wholesale trade
47559Retail sale of other household articles
47599Retail trade
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.