KAMINSKY
ActiveKAMINSKY has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €140k and a net result of €-22k. Equity is growing by ~13.2% per year across the filed fiscal years. Its solvency ranks better than 65% of 3614 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-47
Solvency73▼-11
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity tight (current ratio 1.28 against 1.58 in 2024), and 55.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
21 d late
2024
29 d late
2023
30 d late
2022
30 d late
2021
31 d late
2020
30 d late
2019
28 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€140k▼ 13.8%
2024 · €163k
2018: €26k
2019: €30k
2020: €85k
2021: €156k
2022: €149k
2023: €148k
2024: €163k
2018 → 2025
Total assets
€314k▼ 7.0%
2024 · €338k
2018: €92k
2019: €85k
2020: €92k
2021: €306k
2022: €349k
2023: €341k
2024: €338k
2018 → 2025
Net result
€-22k
2024 · €15k
2018: €7k
2019: €4k
2020: €54k
2021: €71k
2022: €-7k
2023: €-1k
2024: €15k
2018 → 2025
Working capital
€34k▼ 44.0%
2024 · €61k
2018: €-3k
2019: €1k
2020: €53k
2021: €90k
2022: €36k
2023: €41k
2024: €61k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€156k-€149k▼ 4.5%€148k▼ 0.8%€163k▲ 10.3%€140k▼ 13.8%
Operating result€75k-€1k▼ 98.5%€7k▲ 477%€29k▲ 347%€-15k
Net result€71k-€-7k€-1k▲ 82.5%€15k€-22k
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 turns negative in 2025: a loss of €15k after €29k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €314k
Fixed assets
€160k▼ 6.8%
Current assets
€154k▼ 7.1%
Equity and liabilities €314k
Equity
€140k▼ 13.8%
Debt
€174k▼ 0.6%
The debt ratio rises from 51.8% to 55.3%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€15k▼
2024 · €59k
Cash flow
€7k▼
2024 · €45k
Solvency
44.7%▼
2024 · 48.2%
Current ratio
1.28▼
2024 · 1.58
Quick ratio
1.15▼
2024 · 1.48
Debt / equity
1.24▲
2024 · 1.07
ROE
-16.0%▼
2024 · 9.3%
ROA
-7.2%▼
2024 · 4.5%
Interest coverage
1.98▼
2024 · 7.82
Debt
€174k▼
2024 · €175k
Debt ≤ 1 year
€120k▲
2024 · €105k
Debt > 1 year
€53k▼
2024 · €70k
Income taxes
€0▼
2024 · €6k
Staff costs
€563k▲
2024 · €561k
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€338k€314k▼
Fixed assets21/28€172k€160k▼
Tangible fixed assets22/27€167k€156k▼
Land and buildings22€151k€143k▼
Plant, machinery and equipment23€17k€13k▼
Financial fixed assets28€4k€4k=
Current assets29/58€166k€154k▼
Stocks and contracts in progress3€11k€16k▲
Stocks30/36€11k€16k▲
Amounts receivable within one year40/41€9k€15k▲
Trade receivables40€0-
Other amounts receivable41€9k€15k▲
Cash at bank and in hand54/58€146k€120k▼
Deferred charges and accrued income490/1-€3k
Equity and liabilities
Total equity and liabilities10/49€338k€314k▼
Equity10/15€163k€140k▼
Contributions10/11€19k€19k=
Reserves13€144k€122k▼
Distributable reserves133€144k€122k▼
Amounts payable17/49€175k€174k▼
Amounts payable after more than one year17€70k€53k▼
Financial debts170/4€70k€53k▼
Amounts payable within one year42/48€105k€120k▲
Current portion of amounts payable after more than one year42€16k€16k▲
Trade debts44€51k€61k▲
Suppliers440/4€51k€61k▲
Taxes, remuneration and social security45€38k€43k▲
Taxes450/3€21k€26k▲
Remuneration and social security454/9€17k€18k▲
Accrued charges and deferred income492/3-€171
Income statement
Code20242025
Remuneration, social security and pensions62€561k€563k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€30k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€622k€580k▼
Operating profit (loss)9901€29k€-15k▼
Financial income75/76B€0€41▲
Recurring financial income75€0€41▲
Financial charges65/66B€8k€8k▼
Recurring financial charges65€8k€8k▼
Profit (loss) for the period before taxes9903€22k€-22k▼
Income taxes67/77€6k€0▼
Profit (loss) for the period9904€15k€-22k▼
Profit (loss) for the period to be appropriated9905€15k€-22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€-22k▼
Transfer from equity791/2€0€22k▲
Transfer to equity691/2€15k€0▼
To other reserves6921€15k€0▼
Social balance
Average headcount (FTE)908714.717.2▲
The notes to these accounts (19 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
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 21 days late
2025
31-12
Financial
Weakest financial yearnet €-22k ▼248%
Net result drops to €-22k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
31-12
Financial
Back to profitnet €15k
Net result €15k after 2 loss-making years.
31-12
Financial
Equity above €150kEq €163k ▲10.3%
Equity rises from €148k to €163k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Highest result since 2018net €71k ▲31%
Operating result €75k, net result €71k, both a record.
31-12
Financial
Equity above €150kEq €156k ▲84.1%
4 profitable years in a row build equity to €156k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Liquidity times 8current ratio 7.83
Current ratio from 1.02 to 7.83; short-term debt falls from €55k to €8k.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
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, Leuven · 1 establishment unit since 2001
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.
Léon Schreursvest 13001 LeuvenGround area
377 m²
Building footprint
160 m²
Volume, LiDAR
1,174 m³
Parcel 24433E0062/00K000, Flanders · tallest building 13.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
KAMINSKY
since 20012.095.424.385
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24433E0062/00K000 | Flanders | 376 m² | 1 · 160 m² | 13.1 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
2023 · 1 entry · 510 EUR awarded · 510 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 510 EUR | 510 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteLeuven2.095.424.385
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Of 20,231 companies in sector 56111 we hold annual accounts for 11,311. 9,053 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-09-2001
Fiscal year end31-12
Activities, NACEBEL
55401
56101Full-service restaurants
56111Full-service restaurants
56301Cafés and bars
55301
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.