De Knuffel
ActiveDe Knuffel has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.10M and a net result of €104k. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 93% of 384 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+3
Solvency100=
Growth58=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €95k at 30 days acceptable
Liquidity ample (current ratio 2.07 against 1.34 in 2024; short-term debt: 10.8% and cash: 14.4% of total assets), and 10.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 88
Relative position
BE, all sectors
reference
Sector 88
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
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
89.2%
Return on assets
8.4%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €1.10M
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 12-06-2026, 49 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
49 d early
2024
34 d early
2023
30 d late
2022
122 d early
2021
5 d late
2020
1 d early
2019
20 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, abbreviated schema
Equity
€1.10M▲ 8.1%
2024 · €1.02M
2018: €1.13M
2019: €1.10M
2020: €1.03M
2021: €1.02M
2022: €1.02M
2023: €970k
2024: €1.02M
2018 → 2025
Total assets
€1.23M▲ 5.8%
2024 · €1.17M
2018: €1.29M
2019: €1.25M
2020: €1.21M
2021: €1.15M
2022: €1.18M
2023: €1.12M
2024: €1.17M
2018 → 2025
Net result
€104k▲ 51.2%
2024 · €68k
2018: €24
2019: €-14k
2020: €-48k
2021: €11k
2022: €18k
2023: €-28k
2024: €68k
2018 → 2025
Working capital
€142k▲ 184%
2024 · €50k
2018: €23k
2019: €18k
2020: €-34k
2021: €-14k
2022: €4k
2023: €-21k
2024: €50k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.02M-€1.02M▼ 0.3%€970k▼ 4.8%€1.02M▲ 4.9%€1.10M▲ 8.1%
Operating result€14k-€19k▲ 42.2%€-27k€68k€103k▲ 52.2%
Net result€11k-€18k▲ 58.3%€-28k€68k€104k▲ 51.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 52% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.23M
Fixed assets
€958k▼ 1.0%
Current assets
€275k▲ 38.7%
Equity and liabilities €1.23M
Equity
€1.10M▲ 8.1%
Debt
€133k▼ 10.2%
The debt ratio falls from 12.7% to 10.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€145k▲
2024 · €109k
Cash flow
€145k▲
2024 · €110k
Solvency
89.2%▲
2024 · 87.3%
Current ratio
2.07▲
2024 · 1.34
Quick ratio
2.07▲
2024 · 1.34
Debt / equity
0.12▼
2024 · 0.15
ROE
9.4%▲
2024 · 6.7%
ROA
8.4%▲
2024 · 5.9%
Interest coverage
155.63▼
2024 · 526.47
Debt
€133k▼
2024 · €148k
Debt ≤ 1 year
€133k▼
2024 · €148k
Staff costs
€895k▲
2024 · €886k
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€1.17M€1.23M▲
Fixed assets21/28€967k€958k▼
Tangible fixed assets22/27€967k€958k▼
Land and buildings22€943k€927k▼
Plant, machinery and equipment23€23k€27k▲
Furniture and vehicles24€2k€4k▲
Current assets29/58€198k€275k▲
Amounts receivable within one year40/41€84k€93k▲
Trade receivables40€21k€23k▲
Other amounts receivable41€64k€70k▲
Cash at bank and in hand54/58€111k€178k▲
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€1.17M€1.23M▲
Equity10/15€1.02M€1.10M▲
Contributions10/11€157k€157k=
Capital10€157k€157k=
Reserves13€55k€55k=
Profit (loss) carried forward14€201k€305k▲
Investment grants15€604k€584k▼
Amounts payable17/49€148k€133k▼
Amounts payable within one year42/48€148k€133k▼
Current portion of amounts payable after more than one year42€8k-
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€126k€120k▼
Taxes450/3€9k€8k▼
Remuneration and social security454/9€117k€111k▼
Income statement
Code20242025
Remuneration, social security and pensions62€886k€895k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€41k€42k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€997k€1.04M▲
Operating profit (loss)9901€68k€103k▲
Financial income75/76B€850€1k▲
Recurring financial income75€850€1k▲
Financial charges65/66B€207€931▲
Recurring financial charges65€207€931▲
Profit (loss) for the period before taxes9903€68k€104k▲
Profit (loss) for the period9904€68k€104k▲
Profit (loss) for the period to be appropriated9905€68k€104k▲
Appropriation of the result
Profit (loss) to be appropriated9906€231k€305k▲
Profit (loss) brought forward from the previous period14P€163k€201k▲
To contributions691€30k-
Social balance
Average headcount (FTE)908713.814.2▲
The notes to these accounts (7 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
12-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €104k ▲51.2%
Operating result €103k, net result €104k, both a record.
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €68k
Net result €68k after one loss-making year.
31-12
Financial
Equity above €1MEq €1.02M ▲4.9%
Equity rises from €970k to €1.02M.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
05-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 5 days late
2021
31-12
Financial
Back to profitnet €11k
Net result €11k after 2 loss-making years.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €-48k
Net result drops to €-48k, the lowest in the series; recovery starts the following year.
20-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 20 days late
2019
14-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
16-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
24-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
10 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, Mortsel · 1 establishment unit since 2006
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.
Molenlei 2BIS2640 MortselGround area
786 m²
Building footprint
817 m²
Volume, LiDAR
3,566 m³
Parcel 11513C0154/00W000, Flanders · tallest building 7.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
De Knuffel
since 20062.150.841.277
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11513C0154/00W000 | Flanders | 786 m² | 1 · 817 m² | 7.5 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 9 entries · 2,958,415 EUR awarded · 2,958,415 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 820,622 EUR | 820,622 EUR |
| 2024 | 2 | 769,641 EUR | 769,641 EUR |
| 2023 | 3 | 702,459 EUR | 702,459 EUR |
| 2022 | 2 | 665,693 EUR | 665,693 EUR |
Schemes
Subsidies voorschoolse kinderopvang
Subsidie aan instellingen in het beleidsdomein Welzijn, Volksgezondheid en Gezin voor de tussenkomst in de energiekost in 2023
Inkomenstarief kinderopvang
Recognitions · licences · registrations
Food safety, FASFC
1 siteMortsel2.150.841.277
Care and welfare
2 services · 1 liveDe Knuffel
De Knuffel
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Of 1,590 companies in sector 88911 we hold annual accounts for 706. 394 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded18-10-1990
Fiscal year end31-12
Activities, NACEBEL
85321
88911Day nurseries and crèches
Sources
Crossroads Bank for EnterprisesNational Bank · 20 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.