KeyOB
ActiveKeyOB has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €22k and a net result of €-3k. Equity is growing by ~34.3% per year across the filed fiscal years. Its solvency ranks better than 47% of 2021 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-95
Solvency69▲+8
Growth54▼-16
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.27 against 1.17 in 2024), and 59.4% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 85
Relative position
BE, all sectors
reference
Sector 85
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
40.6%
Return on assets
-5.3%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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
28 d late
2024
31 d early
2023
1 d late
2022
7 d late
2021
29 d late
2020
26 d late
2019
47 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, micro schema
Turnover
€83k▲ 12.9%
2023 · €74k
2018: €60k
2019: €68k
2020: €61k
2021: €72k
2023: €74k
2018 → 2024
EBIT margin
18.0%▲ 15.8pp
2023 · 2.2%
2018: 3.4%
2019: 2.0%
2020: 11.6%
2021: 19.5%
2023: 2.2%
2018 → 2024
Net result
€-3k
2024 · €10k
2018: €-706
2019: €403
2020: €6k
2021: €10k
2022: €3k
2023: €591
2024: €10k
2018 → 2025
Working capital
€4k▲ 34.9%
2024 · €3k
2018: €-1k
2019: €983
2020: €6k
2021: €11k
2022: €6k
2023: €3k
2024: €3k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€72k-€74k€83k▲ 12.9%
Equity€12k-€14k▲ 21.5%€15k▲ 4.1%€25k▲ 68.0%€22k▼ 11.5%
Operating result€14k-€5k▼ 66.2%€2k▼ 66.1%€15k▲ 824%€45▼ 99.7%
Net result€10k-€3k▼ 75.7%€591▼ 76.7%€10k▲ 1,618%€-3k
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 100% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €55k
Fixed assets
€36k▼ 24.6%
Current assets
€19k▼ 8.6%
Equity and liabilities €55k
Equity
€22k▼ 11.5%
Debt
€32k▼ 24.5%
The debt ratio falls from 63.1% to 59.4%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€14k▼
2024 · €26k
Cash flow
€11k▼
2024 · €21k
Solvency
40.6%▲
2024 · 36.9%
Current ratio
1.27▲
2024 · 1.17
Quick ratio
1.27▲
2024 · 1.17
Debt / equity
1.46▼
2024 · 1.71
ROE
-13.1%▼
2024 · 40.5%
ROA
-5.3%▼
2024 · 14.9%
Interest coverage
6.60▼
2024 · 18.69
Debt
€32k▼
2024 · €43k
Debt ≤ 1 year
€15k▼
2024 · €18k
Debt > 1 year
€17k▼
2024 · €25k
Income taxes
€810▼
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€68k€55k▼
Fixed assets21/28€47k€36k▼
Tangible fixed assets22/27€47k€36k▼
Land and buildings22€2k€1k▼
Plant, machinery and equipment23€8k€4k▼
Furniture and vehicles24€37k€31k▼
Current assets29/58€21k€19k▼
Amounts receivable within one year40/41€679€4k▲
Trade receivables40€679€679=
Other amounts receivable41-€4k
Cash at bank and in hand54/58€20k€14k▼
Deferred charges and accrued income490/1€329€418▲
Equity and liabilities
Total equity and liabilities10/49€68k€55k▼
Equity10/15€25k€22k▼
Contributions10/11€6k€6k=
Profit (loss) carried forward14€19k€16k▼
Amounts payable17/49€43k€32k▼
Amounts payable after more than one year17€25k€17k▼
Financial debts170/4€25k€17k▼
Amounts payable within one year42/48€18k€15k▼
Current portion of amounts payable after more than one year42€11k€8k▼
Trade debts44€100€1k▲
Suppliers440/4€100€1k▲
Taxes, remuneration and social security45€7k€6k▼
Taxes450/3€7k€6k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€9-
Income statement
Code20242025
Turnover70€83k-
Non-recurring operating income76A€7k-
Goods, raw materials, services and sundry goods60/61€64k-
Remuneration, social security and pensions62€2k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€14k▲
Other operating charges640/8€180€1k▲
Gross operating margin9900€28k€15k▼
Operating profit (loss)9901€15k€45▼
Financial income75/76B€6-
Recurring financial income75€6-
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€14k€-2k▼
Income taxes67/77€3k€810▼
Profit (loss) for the period9904€10k€-3k▼
Profit (loss) for the period to be appropriated9905€10k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€19k€16k▼
Profit (loss) brought forward from the previous period14P€9k€19k▲
The notes to these accounts (6 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Weakest financial yearnet €-3k ▼129%
Net result drops to €-3k, the lowest in the series.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 1 day late
2023
07-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 7 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Highest result since 2018net €10k ▲75.3%
Net result €10k, the highest in the series.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
16-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 47 days late
2019
31-12
Financial
Back to profitnet €403
Net result €403 after one loss-making year.
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 12 days late
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 20 days late
2017
07-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 38 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Charleroi · 1 establishment unit since 2003
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.
Rue de la Révolution 836040 CharleroiGround area
2,321 m²
Building footprint
87 m²
Volume, LiDAR
908 m³
Parcel 52034B1169/00Z004, Wallonia · tallest building 12.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
KeyOB
since 20032.136.447.467
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52034B1169/00Z004 | Wallonia | 2,321 m² | 1 · 87 m² | 12.1 m · 3 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 13,462 companies in sector 85510 we hold annual accounts for 715. 591 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-11-2003
Fiscal year end31-12
Activities, NACEBEL
85510Sports and recreation education
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:dp@wellcoatches.eu
Phone:0475/95.37.85