KETTE
ActiveKETTE has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €45k and a net result of €15k. Equity is growing by ~20.6% per year across the filed fiscal years. Its solvency ranks better than 33% of 627 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+8
Solvency49▼-4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.09 against 1.12 in 2024; short-term debt: 62% of total assets), and 75.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 74
Relative position
BE, all sectors
reference
Sector 74
lower
← fewer bankruptcies
more bankruptcies →
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
24.4%
Return on assets
8.1%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 27-04-2026, 3 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
3 d early
2024
24 d early
2023
12 d early
2022
21 d early
2021
21 d early
2020
39 d early
2019
31 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€45k▲ 49.2%
2024 · €30k
2019: €13k
2020: €13k
2021: €19k
2022: €21k
2023: €27k
2024: €30k
2019 → 2025
Total assets
€185k▲ 71.1%
2024 · €108k
2019: €127k
2020: €172k
2021: €121k
2022: €158k
2023: €142k
2024: €108k
2019 → 2025
Net result
€15k▲ 322%
2024 · €4k
2019: €755
2020: €-395
2021: €6k
2022: €2k
2023: €5k
2024: €4k
2019 → 2025
Working capital
€10k▲ 47.2%
2024 · €7k
2019: €15k
2020: €17k
2021: €2k
2022: €11k
2023: €3k
2024: €7k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€19k-€21k▲ 12.5%€27k▲ 25.7%€30k▲ 13.2%€45k▲ 49.2%
Operating result€9k-€3k▼ 61.8%€6k▲ 90.4%€8k▲ 30.6%€26k▲ 221%
Net result€6k-€2k▼ 61.8%€5k▲ 131%€4k▼ 35.5%€15k▲ 322%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 221% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €185k
Fixed assets
€60k▲ 36.4%
Current assets
€125k▲ 95.2%
Equity and liabilities €185k
Equity
€45k▲ 49.2%
Debt
€140k▲ 79.7%
The debt ratio rises from 72.0% to 75.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€39k▲
2024 · €17k
Cash flow
€28k▲
2024 · €12k
Solvency
24.4%▼
2024 · 28.0%
Current ratio
1.09▼
2024 · 1.12
Quick ratio
1.09▼
2024 · 1.12
Debt / equity
3.09▲
2024 · 2.57
ROE
33.0%▲
2024 · 11.6%
ROA
8.1%▲
2024 · 3.3%
Interest coverage
6.82▲
2024 · 5.76
Debt
€140k▲
2024 · €78k
Debt ≤ 1 year
€115k▲
2024 · €57k
Debt > 1 year
€22k▲
2024 · €18k
Income taxes
€6k▲
2024 · €2k
Staff costs
€57k▲
2024 · €44k
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€108k€185k▲
Fixed assets21/28€44k€60k▲
Tangible fixed assets22/27€41k€52k▲
Plant, machinery and equipment23€29k€25k▼
Furniture and vehicles24€12k€21k▲
Other tangible fixed assets26-€5k
Financial fixed assets28€3k€9k▲
Current assets29/58€64k€125k▲
Amounts receivable within one year40/41€36k€106k▲
Trade receivables40€36k€106k▲
Other amounts receivable41€68€65▼
Cash at bank and in hand54/58€5k-
Deferred charges and accrued income490/1€22k€19k▼
Equity and liabilities
Total equity and liabilities10/49€108k€185k▲
Equity10/15€30k€45k▲
Contributions10/11€12k€12k=
Reserves13€755€755=
Non-distributable reserves130/1€755€755=
Reserves not available under the articles1311€755€755=
Profit (loss) carried forward14€17k€32k▲
Amounts payable17/49€78k€140k▲
Amounts payable after more than one year17€18k€22k▲
Financial debts170/4€18k€22k▲
Amounts payable within one year42/48€57k€115k▲
Current portion of amounts payable after more than one year42€9k€13k▲
Financial debts43-€28k
Credit institutions430/8-€28k
Trade debts44€13k€14k▲
Suppliers440/4€13k€14k▲
Taxes, remuneration and social security45€31k€36k▲
Taxes450/3€26k€19k▼
Remuneration and social security454/9€6k€17k▲
Other amounts payable47/48€4k€24k▲
Accrued charges and deferred income492/3€3k€3k▲
Income statement
Code20242025
Remuneration, social security and pensions62€44k€57k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€13k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€2k
Other operating charges640/8€408€4k▲
Gross operating margin9900€61k€102k▲
Operating profit (loss)9901€8k€26k▲
Financial income75/76B€13€11▼
Recurring financial income75€13€11▼
Financial charges65/66B€3k€6k▲
Recurring financial charges65€3k€6k▲
Profit (loss) for the period before taxes9903€5k€21k▲
Income taxes67/77€2k€6k▲
Profit (loss) for the period9904€4k€15k▲
Profit (loss) for the period to be appropriated9905€4k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€17k€32k▲
Profit (loss) brought forward from the previous period14P€14k€17k▲
Social balance
Average headcount (FTE)90871.01.4▲
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
27-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Highest result since 2019net €15k ▲322%
Operating result €26k, net result €15k, both a record.
06-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
18-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
09-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
09-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
22-03
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial
Weakest financial yearnet €-395 ▼152%
Net result drops to €-395, the lowest in the series; recovery starts the following year.
30-03
NBB filing
Annual accounts filed
fiscal year 2019 · 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, Halle · 1 establishment unit since 2022
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.
Floralaan 491501 HalleGround area
906 m²
Building footprint
240 m²
Volume, LiDAR
1,542 m³
2 parcels, Flanders · tallest building 13.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kette
since 20222.334.551.755
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23013B0138/00H003 | Flanders | 636 m² | 1 · 106 m² | 8.2 m · 2 fl. |
| 23027G0128/00D000 | Flanders | 269 m² | 1 · 133 m² | 13.9 m · 1 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
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DREAMBUILDER
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VG-DESIGNS
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BRAMSKI BEAT
BE 0896.311.177
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CREASONUS
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Of 6,296 companies in sector 74120 we hold annual accounts for 1,010. 877 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-11-2018
Fiscal year end30-09
Activities, NACEBEL
73110Advertising agencies
74103Other professional, scientific and technical activities
74120Graphic design and visual communication
62010Computer programming, consultancy and related activities
62020IT consultancy
62100Computer programming
62200Computer consultancy and computer facilities management
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.