KARISS
ActiveKARISS has been active since 1978 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €314k and a net result of €27k. Equity is growing by ~23.1% per year across the filed fiscal years. Its solvency ranks better than 50% of 9582 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
79
/ 100
Excellent▼ -2 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability43▼-57
Solvency82▲+16
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 4.85 against 1.71 in 2023), but 61.1% 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
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 47
Relative position
BE, all sectors
reference
Sector 47
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 12-07-2025, 19 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
19 d early
2023
36 d early
2022
11 d early
2021
27 d early
2020
49 d early
2019
58 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€314k▲ 9.4%
2023 · €287k
2018: €174k
2019: €110k
2020: €112k
2021: €176k
2022: €236k
2023: €287k
2018 → 2024
Total assets
€807k▼ 9.9%
2023 · €896k
2018: €689k
2019: €1.04M
2020: €1.02M
2021: €920k
2022: €927k
2023: €896k
2018 → 2024
Net result
€27k▼ 60.7%
2023 · €69k
2018: €18k
2019: €-64k
2020: €2k
2021: €64k
2022: €64k
2023: €69k
2018 → 2024
Working capital
€348k▲ 66.3%
2023 · €209k
2018: €126k
2019: €31k
2020: €47k
2021: €126k
2022: €165k
2023: €209k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€112k-€176k▲ 56.7%€236k▲ 34.1%€287k▲ 21.5%€314k▲ 9.4%
Operating result€19k-€79k▲ 315%€92k▲ 16.0%€121k▲ 31.1%€60k▼ 50.5%
Net result€2k-€64k▲ 2,951%€64k▲ 0.6%€69k▲ 6.9%€27k▼ 60.7%
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 falls in 2024; 2024 is 51% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €807k
Fixed assets
€368k▼ 6.0%
Current assets
€438k▼ 13.0%
Equity and liabilities €807k
Equity
€314k▲ 9.4%
Debt
€493k▼ 19.1%
The debt ratio falls from 68.0% to 61.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€87k▼
2023 · €156k
Cash flow
€55k▼
2023 · €104k
Solvency
38.9%▲
2023 · 32.0%
Current ratio
4.85▲
2023 · 1.71
Quick ratio
2.21▲
2023 · 0.58
Debt / equity
1.57▼
2023 · 2.12
ROE
8.6%▼
2023 · 23.9%
ROA
3.3%▼
2023 · 7.7%
Interest coverage
3.77▼
2023 · 6.07
Debt
€493k▼
2023 · €609k
Debt ≤ 1 year
€90k▼
2023 · €295k
Debt > 1 year
€402k▲
2023 · €314k
Income taxes
€12k▼
2023 · €36k
Staff costs
€93k▲
2023 · €59k
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€896k€807k▼
Fixed assets21/28€392k€368k▼
Tangible fixed assets22/27€389k€365k▼
Plant, machinery and equipment23€12k€12k▲
Furniture and vehicles24€27k€23k▼
Leasing and similar rights25€350k€330k▼
Financial fixed assets28€3k€3k=
Current assets29/58€504k€438k▼
Stocks and contracts in progress3€334k€239k▼
Stocks30/36€334k€239k▼
Amounts receivable within one year40/41€16k€15k▼
Trade receivables40€15k-
Other amounts receivable41€654€15k▲
Cash at bank and in hand54/58€154k€184k▲
Deferred charges and accrued income490/1-€849
Equity and liabilities
Total equity and liabilities10/49€896k€807k▼
Equity10/15€287k€314k▲
Contributions10/11€66k€66k=
Reserves13€221k€248k▲
Distributable reserves133€221k€248k▲
Amounts payable17/49€609k€493k▼
Amounts payable after more than one year17€314k€402k▲
Financial debts170/4€314k€402k▲
Amounts payable within one year42/48€295k€90k▼
Current portion of amounts payable after more than one year42€212k€41k▼
Trade debts44€18k€16k▼
Suppliers440/4€18k€16k▼
Taxes, remuneration and social security45€61k€33k▼
Taxes450/3€53k€25k▼
Remuneration and social security454/9€7k€9k▲
Other amounts payable47/48€4k€554▼
Income statement
Code20232024
Remuneration, social security and pensions62€59k€93k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€28k▼
Other operating charges640/8€6k€6k▲
Gross operating margin9900€221k€186k▼
Operating profit (loss)9901€121k€60k▼
Financial income75/76B€9k€2k▼
Recurring financial income75€219€634▲
Non-recurring financial income76B€9k€2k▼
Financial charges65/66B€26k€23k▼
Recurring financial charges65€26k€23k▼
Profit (loss) for the period before taxes9903€104k€39k▼
Income taxes67/77€36k€12k▼
Profit (loss) for the period9904€69k€27k▼
Profit (loss) for the period to be appropriated9905€69k€27k▼
Appropriation of the result
Profit (loss) to be appropriated9906€69k€27k▼
Profit (loss) brought forward from the previous period14P€179-
Transfer from equity791/2€18k-
Transfer to equity691/2€69k€27k▼
To other reserves6921€69k€27k▼
Profit to be distributed694/7€18k-
Return on contributions (dividend)694€18k-
Social balance
Average headcount (FTE)90872.02.5▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
12-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity triplescurrent ratio 4.85
Current ratio from 1.71 to 4.85; short-term debt falls from €295k to €90k.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €69k ▲6.9%
Operating result €121k, net result €69k, both a record.
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €236k ▲34.1%
3 profitable years in a row build equity to €236k.
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €150kEq €176k ▲56.7%
2 profitable years in a row build equity to €176k.
12-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
27-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 58 days late
2019
31-12
Financial
Weakest financial yearnet €-64k ▼462%
Net result drops to €-64k, the lowest in the series; recovery starts the following year.
14-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
09-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
27-07
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
3 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, Koksijde · 2 establishment units since 1978
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.
Zeelaan(Kok) 2898670 KoksijdeGround area
413 m²
Building footprint
315 m²
Volume, LiDAR
3,364 m³
2 parcels, Flanders · tallest building 21.8 m, ±6 floors. Linked by address, not a title deed.
2 establishment units
Zeelaan(Kok) 289, 8670 Koksijde
since 19782.014.443.837
Karissma
since 20082.170.239.297
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38014E0396/00D000 | Flanders | 238 m² | 1 · 155 m² | 12.1 m · 3 fl. |
| 38342G0497/00A000 | Flanders | 175 m² | 1 · 161 m² | 21.8 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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 2024 · 2 entries · 1,500 EUR awarded · 1,500 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 1,000 EUR | 1,000 EUR |
| 2022 | 1 | 500 EUR | 500 EUR |
Schemes
Premie kwalificerend werkplekleren
Stagebonus (stopgezet)
Recognitions · licences · registrations
Dual-learning approval
1 live approval · 6 endedOnthaal, organisatie en sales duaal (so)
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Of 1,028 companies in sector 47721 we hold annual accounts for 581. 411 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-01-1978
Fiscal year end31-12
Activities, NACEBEL
47721Retail sale of footwear
47722Retail trade
47552Retail sale of lighting equipment
47592Retail trade
47715Retail trade
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47784Retail sale of souvenirs and religious articles
47786Retail trade
52421
52442
52497
Sources
Crossroads Bank for EnterprisesNational Bank · 47 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:058/516469