KEIBOS
ActiveKEIBOS has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €606k and a net result of €41k. Equity is growing by ~8.7% per year across the filed fiscal years. Its solvency ranks better than 34% of 3163 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability52▼-21
Solvency60▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity short (current ratio 0.78 against 0.65 in 2024; short-term debt: 23.2% and cash: 4.6% of total assets), and 65.5% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
34.5%
Return on assets
2.4%
Age of the figures
9 mo
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
6 d early
2023
4 d early
2022
3 d early
2021
8 d early
2020
9 d early
2019
52 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€41k▼ 20.8%
2024 · €52k
2018: €27k
2019: €32k
2020: €25k
2021: €40k
2022: €48k
2023: €26k
2024: €52k
2018 → 2025
Working capital
€-91k▲ 37.0%
2024 · €-145k
2018: €-140k
2019: €-131k
2020: €-135k
2021: €-138k
2022: €-128k
2023: €-133k
2024: €-145k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€438k-€486k▲ 11.0%€512k▲ 5.4%€565k▲ 10.2%€606k▲ 7.3%
Operating result€44k-€58k▲ 33.9%€37k▼ 36.3%€70k▲ 87.3%€73k▲ 5.0%
Net result€40k-€48k▲ 20.7%€26k▼ 45.8%€52k▲ 101%€41k▼ 20.8%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 5% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.75M
Fixed assets
€1.44M▼ 2.5%
Current assets
€316k▲ 18.5%
Equity and liabilities €1.75M
Equity
€606k▲ 7.3%
Debt
€1.15M▼ 2.4%
The debt ratio falls from 67.6% to 65.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€110k▲
2024 · €106k
Cash flow
€78k▼
2024 · €89k
Solvency
34.5%▲
2024 · 32.4%
Current ratio
0.78▲
2024 · 0.65
Quick ratio
0.78▲
2024 · 0.65
Debt / equity
1.89▼
2024 · 2.08
ROE
6.8%▼
2024 · 9.3%
ROA
2.4%▼
2024 · 3.0%
Interest coverage
3.58▼
2024 · 6.10
Debt
€1.15M▼
2024 · €1.18M
Debt ≤ 1 year
€407k▼
2024 · €412k
Debt > 1 year
€725k▼
2024 · €765k
Income taxes
€1k
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€1.74M€1.75M▲
Fixed assets21/28€1.47M€1.44M▼
Tangible fixed assets22/27€1.34M€1.30M▼
Land and buildings22€1.26M€1.24M▼
Other tangible fixed assets26€72k€58k▼
Financial fixed assets28€138k€138k=
Current assets29/58€267k€316k▲
Amounts receivable within one year40/41€255k€234k▼
Trade receivables40€61k€40k▼
Other amounts receivable41€194k€194k=
Cash at bank and in hand54/58€8k€81k▲
Deferred charges and accrued income490/1€4k€1k▼
Equity and liabilities
Total equity and liabilities10/49€1.74M€1.75M▲
Equity10/15€565k€606k▲
Contributions10/11€589k€589k=
Capital10€589k€589k=
Issued capital100€589k€589k=
Profit (loss) carried forward14€-25k€17k▲
Amounts payable17/49€1.18M€1.15M▼
Amounts payable after more than one year17€765k€725k▼
Financial debts170/4€765k€725k▼
Amounts payable within one year42/48€412k€407k▼
Current portion of amounts payable after more than one year42€40k€40k▲
Trade debts44-€731
Suppliers440/4-€731
Taxes, remuneration and social security45€3k€4k▲
Taxes450/3€3k€4k▲
Other amounts payable47/48€368k€362k▼
Accrued charges and deferred income492/3-€16k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37k€37k=
Other operating charges640/8€21k€16k▼
Gross operating margin9900€127k€125k▼
Operating profit (loss)9901€70k€73k▲
Financial income75/76B€0€86▲
Recurring financial income75€0€86▲
Financial charges65/66B€17k€31k▲
Recurring financial charges65€17k€31k▲
Profit (loss) for the period before taxes9903€52k€43k▼
Income taxes67/77-€1k
Profit (loss) for the period9904€52k€41k▼
Profit (loss) for the period to be appropriated9905€52k€41k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-25k€17k▲
Profit (loss) brought forward from the previous period14P€-77k€-25k▲
The notes to these accounts (14 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €52k ▲101%
Net result €52k, the highest in the series.
27-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €500kEq €512k ▲5.4%
6 profitable years in a row build equity to €512k.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
23-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €25k ▼21.5%
Net result drops to €25k, the lowest in the series; recovery starts the following year.
09-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 29 days late
2017
16-02
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
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, Wortegem-Petegem
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.
Keistraat(O.) 39790 Wortegem-PetegemGround area
4,512 m²
Building footprint
351 m²
Volume, LiDAR
1,876 m³
Parcel 45025C0595/00E000, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45025C0595/00E000 | Flanders | 4,512 m² | 1 · 351 m² | 9.8 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.
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 32,996 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded30-11-2004
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.