C & K
ActiveSummary
C & K has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €799k and a net result of €395. Equity is growing by ~3.4% per year across the filed fiscal years. Its solvency ranks better than 33% of 9038 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
54
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability29=
Solvency54▲+1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 1.97 against 1.9 in 2023; short-term debt: 49.7% and cash: 2.8% of total assets), but 70.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 17-06-2025, 44 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
44 d early
2023
30 d early
2022
28 d early
2021
34 d early
2020
37 d early
2019
36 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, abbreviated schema
Equity
€799k=
2023 · €799k
2018: €655k
2019: €675k
2020: €718k
2021: €798k
2022: €798k
2023: €799k
2018 → 2024
Total assets
€2.74M▼ 4.8%
2023 · €2.88M
2018: €2.49M
2019: €2.32M
2020: €2.41M
2021: €3.06M
2022: €3.02M
2023: €2.88M
2018 → 2024
Net result
€395▲ 29.5%
2023 · €305
2018: €6k
2019: €20k
2020: €44k
2021: €79k
2022: €770
2023: €305
2018 → 2024
Working capital
€1.32M▼ 0.2%
2023 · €1.32M
2018: €1.21M
2019: €1.23M
2020: €1.28M
2021: €1.34M
2022: €1.35M
2023: €1.32M
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€718k-€798k▲ 11.0%€798k▲ 0.1%€799k=€799k=
Operating result€117k-€146k▲ 24.7%€46k▼ 68.5%€105k▲ 129%€103k▼ 2.3%
Net result€44k-€79k▲ 81.7%€770▼ 99.0%€305▼ 60.4%€395▲ 29.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 2% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €2.74M
Fixed assets
€57k ▼ 28.1%
Current assets
€2.69M ▼ 4.1%
Equity and liabilities €2.74M
Equity
€799k =
Debt
€1.94M ▼ 6.6%
Debt's share of the balance-sheet total falls from 72.3% to 70.9%. Debt is lower.
Key figures and ratios
EBITDA
€125k▼
2023 · €127k
Cash flow
€23k▲
2023 · €22k
Current ratio
1.97▲
2023 · 1.90
Quick ratio
0.86▲
2023 · 0.81
Debt to equity
2.43▼
2023 · 2.61
ROE
0.0%▲
2023 · 0.0%
ROA
0.0%▲
2023 · 0.0%
Interest coverage
1.21▲
2023 · 1.20
Debt ≤ 1 year
€1.36M▼
2023 · €1.48M
Debt > 1 year
€580k▼
2023 · €604k
Income taxes
€2k▼
2023 · €4k
Staff costs
€464k▲
2023 · €450k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 54 lines
Balance sheet
Code20232024
Assets
Total assets20/58€2.88M€2.74M▼
Fixed assets21/28€79k€57k▼
Tangible fixed assets22/27€79k€57k▼
Furniture and vehicles24€79k€57k▼
Current assets29/58€2.80M€2.69M▼
Amounts receivable after more than one year29€14k€14k=
Other amounts receivable291€14k€14k=
Stocks and contracts in progress3€1.61M€1.52M▼
Stocks30/36€1.61M€1.52M▼
Amounts receivable within one year40/41€885k€1.06M▲
Trade receivables40€735k€830k▲
Other amounts receivable41€150k€232k▲
Cash at bank and in hand54/58€274k€77k▼
Deferred charges and accrued income490/1€20k€14k▼
Equity and liabilities
Total equity and liabilities10/49€2.88M€2.74M▼
Equity10/15€799k€799k=
Contributions10/11€167k€167k=
Outside capital11€167k€167k=
Other1109/19€167k€167k=
Reserves13€17k€17k=
Non-distributable reserves130/1€17k€17k=
Reserves not available under the articles1311€17k€17k=
Profit (loss) carried forward14€615k€615k▲
Amounts payable17/49€2.08M€1.94M▼
Amounts payable after more than one year17€604k€580k▼
Financial debts170/4€44k€20k▼
Other amounts payable178/9€560k€560k=
Amounts payable within one year42/48€1.48M€1.36M▼
Current portion of amounts payable after more than one year42€27k€24k▼
Financial debts43€1.00M€900k▼
Credit institutions430/8€1.00M€900k▼
Trade debts44€373k€356k▼
Suppliers440/4€373k€356k▼
Taxes, remuneration and social security45€78k€84k▲
Taxes450/3€15k€21k▲
Remuneration and social security454/9€63k€63k=
Accrued charges and deferred income492/3€701€58▼
Income statement
Code20232024
Remuneration, social security and pensions62€450k€464k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€22k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€579k€590k▲
Operating profit (loss)9901€105k€103k▼
Financial income75/76B€5k€4k▼
Recurring financial income75€789€4k▲
Non-recurring financial income76B€4k-
Financial charges65/66B€106k€103k▼
Recurring financial charges65€106k€103k▼
Profit (loss) for the period before taxes9903€4k€3k▼
Income taxes67/77€4k€2k▼
Profit (loss) for the period9904€305€395▲
Profit (loss) for the period to be appropriated9905€305€395▲
Appropriation of the result
Profit (loss) to be appropriated9906€615k€615k▲
Profit (loss) brought forward from the previous period14P€614k€615k=
Social balance
Average headcount (FTE)90876.86.8=
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
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €305 ▼60.4%
Net result drops to €305, the lowest in the series; recovery starts the following year.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €79k ▲81.7%
Operating result €146k, net result €79k, both a record.
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
22-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
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, Oostkamp · 1 establishment unit since 1990
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.
Nijverheidsstraat 3 A8020 OostkampGround area
7,329 m²
Building footprint
3,908 m²
Volume, LiDAR
13,178 m³
Parcel 31403E0067/00R000, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
C & K
since 19902.049.871.009
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31403E0067/00R000 | Flanders | 7,329 m² | 1 · 3,908 m² | 9.2 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 to 2025 · 3 entries · 803 EUR awarded · 803 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 305 EUR | 305 EUR |
| 2024 | 1 | 289 EUR | 289 EUR |
| 2022 | 1 | 209 EUR | 209 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
894500HACPXYFUOXOT27
Similar companies · same sector, comparable size
TRAEN INDUSTRIES
BE 0739.687.851
Brugge · Eq €798k
WIJHUIS INGENIEURS BUREAU
BE 0430.726.619
Baarle-Hertog · Eq €796k
Manthydro
BE 0403.965.111
Flémalle · Eq €803k
VAN CUTSEM tools
BE 0423.057.976
Beveren-Kruibeke-Zwijndrecht · Eq €792k
SYNC SOLUTIONS
BE 0438.067.737
Fleurus · Eq €807k
Of 828 companies in sector 46620 we hold annual accounts for 642. 523 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded14-09-1990
Fiscal year end31-12
Activities, NACEBEL 2025
46620Wholesale of machine tools
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.