MK KLIMMO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €120k and a net result of €43k. Equity is growing by ~45.9% per year across the filed fiscal years. Its solvency ranks better than 27% of 3325 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-06-2025, 31 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
31 d early
2023
43 d early
2022
31 d early
2021
4 d early
2020
30 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€120k▲ 55.2%
2023 · €77k
2020: €3k
2021: €28k
2022: €63k
2023: €77k
2020 → 2024
Net result
€43k▲ 197%
2023 · €14k
2020: €-2k
2021: €25k
2022: €35k
2023: €14k
2020 → 2024
Total assets
€538k▲ 4.3%
2023 · €516k
2020: €292k
2021: €302k
2022: €328k
2023: €516k
2020 → 2024
Solvency
22.3%▲ 7.3pp
2023 · 15.0%
2020: 1.1%
2021: 9.3%
2022: 19.1%
2023: 15.0%
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€3k-€28k▲ 780%€63k▲ 123%€77k▲ 22.8%€120k▲ 55.2%
Operating result€5k-€32k▲ 485%€46k▲ 42.8%€24k▼ 47.6%€71k▲ 199%
Net result€-2k-€25k€35k▲ 38.7%€14k▼ 58.6%€43k▲ 197%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 199% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €538k
Fixed assets
€474k▼ 4.7%
Current assets
€64k▲ 246%
Equity and liabilities €538k
Equity
€120k▲ 55.2%
Debt
€418k▼ 4.7%
The debt ratio falls from 85.0% to 77.7%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
22.3%▲
2023 · 15.0%
ROE
35.6%▲
2023 · 18.6%
ROA
7.9%▲
2023 · 2.8%
Debt
€418k▼
2023 · €439k
Debt ≤ 1 year
€62k▲
2023 · €46k
Debt > 1 year
€356k▼
2023 · €393k
Income taxes
€17k▲
2023 · €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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€516k€538k▲
Fixed assets21/28€497k€474k▼
Tangible fixed assets22/27€496k€473k▼
Land and buildings22€496k€473k▼
Financial fixed assets28€1k€1k=
Current assets29/58€18k€64k▲
Amounts receivable within one year40/41€12k€23k▲
Trade receivables40€7k€18k▲
Other amounts receivable41€5k€5k=
Cash at bank and in hand54/58€6k€41k▲
Equity and liabilities
Total equity and liabilities10/49€516k€538k▲
Equity10/15€77k€120k▲
Contributions10/11€5k€5k=
Reserves13€65k€105k▲
Distributable reserves133€65k€105k▲
Profit (loss) carried forward14€7k€10k▲
Amounts payable17/49€439k€418k▼
Amounts payable after more than one year17€393k€356k▼
Financial debts170/4€393k€356k▼
Amounts payable within one year42/48€46k€62k▲
Current portion of amounts payable after more than one year42€36k€37k▲
Trade debts44€1k€3k▲
Suppliers440/4€1k€3k▲
Taxes, remuneration and social security45€8k€22k▲
Taxes450/3€8k€22k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€23k▲
Other operating charges640/8€32k€3k▼
Gross operating margin9900€69k€98k▲
Operating profit (loss)9901€24k€71k▲
Financial income75/76B€15€0▼
Recurring financial income75€15€0▼
Financial charges65/66B€4k€12k▲
Recurring financial charges65€4k€12k▲
Profit (loss) for the period before taxes9903€19k€59k▲
Income taxes67/77€5k€17k▲
Profit (loss) for the period9904€14k€43k▲
Profit (loss) for the period to be appropriated9905€14k€43k▲
Appropriation of the result
Profit (loss) to be appropriated9906€20k€50k▲
Profit (loss) brought forward from the previous period14P€5k€7k▲
Transfer to equity691/2€13k€40k▲
To other reserves6921€13k€40k▲
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
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2020net €43k ▲197%
Operating result €71k, net result €43k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 1.03
Current ratio from 0.40 to 1.03.
31-12
Financial
Equity above €100kEq €120k ▲55.2%
4 profitable years in a row build equity to €120k.
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €25k
Net result €25k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 1.16
Current ratio from 0.33 to 1.16.
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Bilzen-Hoeselt · 1 establishment unit since 2019
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.
Koekoekstraat 163740 Bilzen-HoeseltGround area
886 m²
Building footprint
188 m²
Volume, LiDAR
942 m³
Parcel 73056B0379/00V000, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
MK KLIMMO
since 20192.292.453.161
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73056B0379/00V000 | Flanders | 886 m² | 1 · 188 m² | 8.1 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 2,967 EUR awarded · 2,967 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 2,967 EUR | 2,967 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 591 companies in sector 66300 we hold annual accounts for 366. 244 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-08-2019
Fiscal year end31-12
Activities, NACEBEL
66300Activities auxiliary to financial services and insurance activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.