K.C.T.
ActiveK.C.T. has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €64k and a net result of €-27k. Equity is shrinking by ~29.5% per year across the filed fiscal years. Its solvency ranks better than 74% of 11257 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-3
Solvency97▲+5
Growth32=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 3.46 against 2.92 in 2024; short-term debt: 27.7% and cash: 35.6% of total assets), and 27.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
72.3%
Return on assets
-30.7%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-27k
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 05-06-2026, 56 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
56 d early
2024
51 d early
2023
58 d late
2022
23 d early
2021
3 d early
2020
10 d early
2019
26 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€64k▼ 42.2%
2024 · €111k
2018: €684k
2019: €703k
2020: €536k
2021: €515k
2022: €548k
2023: €132k
2024: €111k
2018 → 2025
Total assets
€89k▼ 46.8%
2024 · €167k
2018: €1.98M
2019: €1.83M
2020: €1.65M
2021: €1.60M
2022: €851k
2023: €197k
2024: €167k
2018 → 2025
Net result
€-27k▼ 27.8%
2024 · €-21k
2018: €10k
2019: €19k
2020: €-166k
2021: €-22k
2022: €33k
2023: €-116k
2024: €-21k
2018 → 2025
Working capital
€60k▼ 43.6%
2024 · €107k
2018: €285k
2019: €321k
2020: €160k
2021: €354k
2022: €535k
2023: €128k
2024: €107k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€515k-€548k▲ 6.5%€132k▼ 75.9%€111k▼ 16.1%€64k▼ 42.2%
Operating result€-81k-€37k€-75k€-21k▲ 72.0%€-27k▼ 28.0%
Net result€-22k-€33k€-116k€-21k▲ 81.6%€-27k▼ 27.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €27k in 2025 against €21k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €89k
Fixed assets
€4k▼ 0.4%
Current assets
€85k▼ 47.8%
Equity and liabilities €89k
Equity
€64k▼ 42.2%
Debt
€25k▼ 55.9%
The debt ratio falls from 33.5% to 27.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-27k▼
2024 · €-20k
Cash flow
€-27k▼
2024 · €-21k
Solvency
72.3%▲
2024 · 66.5%
Current ratio
3.46▲
2024 · 2.92
Quick ratio
3.46▲
2024 · 2.92
Debt / equity
0.38▼
2024 · 0.50
ROE
-42.5%▼
2024 · -19.2%
ROA
-30.7%▼
2024 · -12.8%
Interest coverage
-50.89▼
2024 · -47.64
Debt
€25k▼
2024 · €56k
Debt ≤ 1 year
€25k▼
2024 · €56k
Staff costs
€53▼
2024 · €594
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€167k€89k▼
Fixed assets21/28€4k€4k▼
Tangible fixed assets22/27€13-
Furniture and vehicles24€13-
Financial fixed assets28€4k€4k=
Current assets29/58€163k€85k▼
Amounts receivable within one year40/41€139k€53k▼
Trade receivables40€27k-
Other amounts receivable41€112k€53k▼
Cash at bank and in hand54/58€23k€32k▲
Deferred charges and accrued income490/1€212€26▼
Equity and liabilities
Total equity and liabilities10/49€167k€89k▼
Equity10/15€111k€64k▼
Contributions10/11€431k€431k=
Reserves13€4k€4k=
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Profit (loss) carried forward14€-324k€-370k▼
Amounts payable17/49€56k€25k▼
Amounts payable within one year42/48€56k€25k▼
Trade debts44€43k€23k▼
Suppliers440/4€43k€23k▼
Other amounts payable47/48€13k€2k▼
Accrued charges and deferred income492/3-€6
Income statement
Code20242025
Remuneration, social security and pensions62€594€53▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€438€13▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€9k-
Other operating charges640/8€1k€462▼
Non-recurring operating charges66A€21k-
Gross operating margin9900€11k€-26k▼
Operating profit (loss)9901€-21k€-27k▼
Financial income75/76B€2-
Recurring financial income75€2-
Financial charges65/66B€429€525▲
Recurring financial charges65€429€525▲
Profit (loss) for the period before taxes9903€-21k€-27k▼
Income taxes67/77€0-
Profit (loss) for the period9904€-21k€-27k▼
Profit (loss) for the period to be appropriated9905€-21k€-27k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-324k€-370k▼
Profit (loss) brought forward from the previous period14P€-302k€-343k▼
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
Next filing, fiscal year 2026, expected by
2026
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 58 days late
2023
08-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €33k
Net result €33k after 2 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 2.78
Current ratio from 1.38 to 2.78; short-term debt falls from €932k to €301k.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
21-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €-166k ▼984%
Net result drops to €-166k, the lowest in the series; recovery starts the following year.
05-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
20-06
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
4 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, Tongeren-Borgloon · 1 establishment unit since 2003
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.
Jaminéstraat 523700 Tongeren-BorgloonGround area
243 m²
Building footprint
243 m²
Volume, LiDAR
3,648 m³
Parcel 73348B0026/00H003, Flanders · tallest building 18.2 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Jaminéstraat 52, 3700 Tongeren-Borgloon
since 20032.123.196.475
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73348B0026/00H003 | Flanders | 243 m² | 1 · 243 m² | 18.2 m · 5 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.
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Of 2,507 companies in sector 46649 we hold annual accounts for 1,760. 896 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-01-2003
Fiscal year end31-12
Activities, NACEBEL
46649Wholesale of other machinery and equipment
51873
71340
77399Renting and leasing of other machinery, equipment and tangible goods
92000Gambling and betting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 23 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.