KEYLO
ActiveThe computed 12-month bankruptcy probability of KEYLO is 3.4% (moderate). The 2025 annual accounts show equity of €36k and a net result of €694. Equity is growing by ~24.4% per year across the filed fiscal years. Its solvency ranks better than 58% of 7431 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability63▼-29
Solvency77▼-7
Growth39▲+4
Track record94
Bankruptcy probability, 12 months
3.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 1.71 against 1.8 in 2024; short-term debt: 48.4% and cash: 18.4% of total assets), and 48.4% 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
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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
51.6%
Return on assets
1%
Age of the figures
12 mo
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 18-05-2026, 18 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 · 4 filingsDeviation from the deadline
2025
18 d late
2024
18 d late
2023
33 d late
2022
30 d late
← 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
22-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€104k▲ 45.2%
2024 · €72k
2022: €128k
2023: €74k
2024: €72k
2022 → 2025
EBIT margin
1.8%▼ 16.0pp
2024 · 17.8%
2022: 12.3%
2023: 15.9%
2024: 17.8%
2022 → 2025
Net result
€694▼ 92.5%
2024 · €9k
2022: €12k
2023: €9k
2024: €9k
2022 → 2025
Working capital
€24k▲ 24.2%
2024 · €19k
2022: €17k
2023: €16k
2024: €19k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€128k-€74k▼ 42.2%€72k▼ 2.9%€104k▲ 45.2%
Equity€17k-€26k▲ 50.5%€35k▲ 35.4%€36k▲ 2.0%
Operating result€16k-€12k▼ 25.3%€13k▲ 8.3%€2k▼ 85.5%
Net result€12k-€9k▼ 29.0%€9k▲ 5.5%€694▼ 92.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 85% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €70k
Fixed assets
€12k▼ 24.7%
Current assets
€58k▲ 33.2%
Equity and liabilities €70k
Equity
€36k▲ 2.0%
Debt
€34k▲ 40.4%
The debt ratio rises from 40.5% to 48.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€7k▼
2024 · €17k
Cash flow
€6k▼
2024 · €14k
Solvency
51.6%▼
2024 · 59.5%
Current ratio
1.71▼
2024 · 1.80
Quick ratio
1.71▼
2024 · 1.80
Debt / equity
0.94▲
2024 · 0.68
ROE
1.9%▼
2024 · 26.2%
ROA
1.0%▼
2024 · 15.6%
Interest coverage
46.83▼
2024 · 114.16
Debt
€34k▲
2024 · €24k
Debt ≤ 1 year
€34k▲
2024 · €24k
Income taxes
€998▼
2024 · €3k
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€59k€70k▲
Fixed assets21/28€16k€12k▼
Tangible fixed assets22/27€16k€12k▼
Plant, machinery and equipment23-€1k
Furniture and vehicles24€16k€11k▼
Current assets29/58€43k€58k▲
Amounts receivable within one year40/41€27k€35k▲
Trade receivables40€26k€33k▲
Other amounts receivable41€1k€2k▲
Cash at bank and in hand54/58€16k€13k▼
Deferred charges and accrued income490/1-€9k
Equity and liabilities
Total equity and liabilities10/49€59k€70k▲
Equity10/15€35k€36k▲
Contributions10/11€5k€5k=
Capital10€5k-
Issued capital100€5k-
Reserves13€500€500=
Non-distributable reserves130/1€500€500=
Legal reserve130€500-
Reserves not available under the articles1311-€500
Profit (loss) carried forward14€30k€31k▲
Amounts payable17/49€24k€34k▲
Amounts payable within one year42/48€24k€34k▲
Current portion of amounts payable after more than one year42€4k-
Trade debts44€10k€11k▲
Suppliers440/4€2k€785▼
Bills of exchange payable441€8k€11k▲
Taxes, remuneration and social security45€8k€22k▲
Taxes450/3€3k€1k▼
Remuneration and social security454/9€5k€21k▲
Other amounts payable47/48€3k-
Income statement
Code20242025
Turnover70€72k€104k▲
Goods, raw materials, services and sundry goods60/61€54k€99k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▲
Other operating charges640/8€3k€434▼
Gross operating margin9900€20k€8k▼
Operating profit (loss)9901€13k€2k▼
Financial charges65/66B€153€156▲
Recurring financial charges65€153€156▲
Profit (loss) for the period before taxes9903€13k€2k▼
Income taxes67/77€3k€998▼
Profit (loss) for the period9904€9k€694▼
Profit (loss) for the period to be appropriated9905€9k€694▼
Appropriation of the result
Profit (loss) to be appropriated9906€30k€31k▲
Profit (loss) brought forward from the previous period14P€21k€30k▲
The notes to these accounts (5 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
18-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
2025
30-09
Financial
Weakest financial yearnet €694 ▼92.5%
Net result drops to €694, the lowest in the series.
18-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
2024
02-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 33 days late
2023
30-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Oudergem · 1 establishment unit since 2021
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.
Hertogendal 2291160 OudergemGround area
677 m²
Building footprint
676 m²
Volume, LiDAR
4,218 m³
Parcel 21002A0149/00L000, Brussels · tallest building 16.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
KEYLO
since 20212.313.694.775
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21002A0149/00L000 | Brussels | 677 m² | 1 · 676 m² | 16.4 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.
Similar companies · same sector, comparable size
DEBROUX-BONTÉ
BE 0799.675.720
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ALL-IN RENOVATIONS
BE 0875.456.573
Diepenbeek · Eq €36k
A&E Rénovation
BE 0800.647.601
Sint-Genesius-Rode · Eq €36k
BOUW- EN DAKWERKEN VAN IMPE
BE 1004.728.473
Aalst · Eq €36k
NEMO TEHNICS
BE 0768.862.976
Vilvoorde · Eq €36k
Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 12,718 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-01-2021
Fiscal year end30-09
Activities, NACEBEL
41001General construction of residential buildings
43211General electrical installation work
43221Plumbing work
43240Other construction installation
43299Specialised construction activities
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.