Maxim Kerkhofs
ActiveThe computed 12-month bankruptcy probability of Maxim Kerkhofs is 3.3% (moderate). The 2025 annual accounts show equity of €34k and a net result of €-30k. Equity is growing by ~7.9% per year across the filed fiscal years. Its solvency ranks better than 17% of 4575 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
35
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability26▼-25
Solvency28▼-3
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
3.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity short (current ratio 0.33 against 0.35 in 2024; short-term debt: 6.1% and cash: 0% of total assets), and 96.7% 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.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
higher
← fewer bankruptcies
more bankruptcies →
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 4575 sector peers (2025).
NBB · sector comparisonPosition among 4575 sector peers
Solvency
better than 17%
← weakest
strongest →
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 22-07-2026, 9 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
9 d early
2024
15 d early
2023
8 d early
2022
35 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€34k▼ 46.3%
2024 · €64k
2022: €38k
2023: €55k
2024: €64k
2022 → 2025
Total assets
€1.05M▼ 3.2%
2024 · €1.08M
2022: €59k
2023: €78k
2024: €1.08M
2022 → 2025
Net result
€-30k
2024 · €9k
2022: €33k
2023: €17k
2024: €9k
2022 → 2025
Working capital
€-43k▼ 41.5%
2024 · €-30k
2022: €28k
2023: €39k
2024: €-30k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€38k-€55k▲ 44.2%€64k▲ 15.7%€34k▼ 46.3%
Operating result€46k-€26k▼ 43.6%€22k▼ 16.2%€19k▼ 10.6%
Net result€33k-€17k▼ 49.1%€9k▼ 48.7%€-30k
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 three years in a row; 2025 is 11% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.05M
Fixed assets
€1.03M▼ 3.6%
Current assets
€21k▲ 24.7%
Equity and liabilities €1.05M
Equity
€34k▼ 46.3%
Debt
€1.01M▼ 0.5%
The debt ratio rises from 94.1% to 96.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€62k▲
2024 · €37k
Cash flow
€13k▼
2024 · €24k
Solvency
3.3%▼
2024 · 5.9%
Current ratio
0.33▼
2024 · 0.35
Quick ratio
0.33▼
2024 · 0.35
Debt / equity
29.49▲
2024 · 15.90
ROE
-86.4%▼
2024 · 13.6%
ROA
-2.8%▼
2024 · 0.8%
Interest coverage
1.27▼
2024 · 3.75
Debt
€1.01M▼
2024 · €1.02M
Debt ≤ 1 year
€64k▲
2024 · €47k
Debt > 1 year
€947k▼
2024 · €971k
Income taxes
€0▼
2024 · €3k
Staff costs
€0▼
2024 · €206
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€1.08M€1.05M▼
Fixed assets21/28€1.07M€1.03M▼
Tangible fixed assets22/27€1.07M€1.03M▼
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€8k€3k▼
Leasing and similar rights25€1.03M€991k▼
Other tangible fixed assets26€27k€28k▲
Financial fixed assets28-€1k
Current assets29/58€17k€21k▲
Amounts receivable within one year40/41€1k€21k▲
Trade receivables40€1k€21k▲
Cash at bank and in hand54/58€14k€143▼
Deferred charges and accrued income490/1€1k€0▼
Equity and liabilities
Total equity and liabilities10/49€1.08M€1.05M▼
Equity10/15€64k€34k▼
Contributions10/11€5k€5k=
Reserves13€59k€59k=
Distributable reserves133€59k€59k=
Profit (loss) carried forward14-€-30k
Amounts payable17/49€1.02M€1.01M▼
Amounts payable after more than one year17€971k€947k▼
Financial debts170/4€971k€947k▼
Amounts payable within one year42/48€47k€64k▲
Current portion of amounts payable after more than one year42€27k€24k▼
Financial debts43-€5k
Credit institutions430/8-€5k
Trade debts44€780€4k▲
Suppliers440/4€780€4k▲
Taxes, remuneration and social security45€15k€9k▼
Taxes450/3€15k€7k▼
Remuneration and social security454/9-€2k
Other amounts payable47/48€4k€22k▲
Accrued charges and deferred income492/3-€3k
Income statement
Code20242025
Remuneration, social security and pensions62€206€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€43k▲
Other operating charges640/8€3k€585▼
Gross operating margin9900€40k€63k▲
Operating profit (loss)9901€22k€19k▼
Financial income75/76B€5€0▼
Recurring financial income75€5€0▼
Financial charges65/66B€10k€49k▲
Recurring financial charges65€10k€49k▲
Profit (loss) for the period before taxes9903€12k€-30k▼
Income taxes67/77€3k€0▼
Profit (loss) for the period9904€9k€-30k▼
Profit (loss) for the period to be appropriated9905€9k€-30k▼
Appropriation of the result
Profit (loss) to be appropriated9906€9k€-30k▼
Transfer to equity691/2€9k€0▼
To other reserves6921€9k€0▼
The notes to these accounts (11 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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-30k ▼441%
Net result drops to €-30k, the lowest in the series.
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Tessenderlo-Ham · 1 establishment unit since 2022
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.
Staatsbaan 943945 Tessenderlo-HamGround area
3,312 m²
Building footprint
316 m²
Volume, LiDAR
789 m³
Parcel 71033A2014/00A000, Flanders · tallest building 14.3 m. Linked by address, not a title deed.
1 establishment unit
Maxim Kerkhofs
since 20222.326.989.517
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71033A2014/00A000 | Flanders | 3,312 m² | 1 · 316 m² | 14.3 m |
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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 1,708 EUR awarded · 1,708 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 410 EUR | 410 EUR |
| 2022 | 1 | 1,298 EUR | 1,298 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,606 companies in sector 49410 we hold annual accounts for 8,199. 5,667 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-01-2022
Fiscal year end31-12
Activities, NACEBEL
49410Freight transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.maximkerkhofs.be
E-mail:maxim.kerkhofs@gmail.com