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KEYPOINT

Active
Nieuwpoortse Steenweg 104 ·8470 Gistel, Belgium
KBO/BCE: BE 0674.440.604
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Age9 yrs
Board3
Staff (FTE)13
Connections10
Real estate1 parcel · 1,722 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of KEYPOINT is 0.5% (very low). The 2023 annual accounts show equity of €854k and a net result of €38k. Equity is growing by ~12% per year across the filed fiscal years. The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Trust signals

2 signals
More than 3 years active
Founded in 2017, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No administrative flags

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
0.5% Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€38k+16.6%
Working capital€-285k

Annual accounts & ratios

Source: NBB · 2023
Annual accounts filed on 16-07-2025 with the NBB · fiscal year 2024 · verkort
€-400k€-300k€-200k€-100k€0Operating result 2019: €-164k€-164kNet result 2019: €-241k€-241kOperating result 2020: €-106k€-106kNet result 2020: €-326k€-326kOperating result 2021: €15k€15kNet result 2021: €33k€33kOperating result 2023: €50k€50kNet result 2023: €38k€38k2019202020212023
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~12%/year over 4 fiscal years, indicative, assuming unchanged policy.
€0€500k€1.00M€1.50M2024: €1.04M (€805k - €1.27M)2025: €1.13M (€765k - €1.50M)2026: €1.23M (€725k - €1.74M)2019: €127k2020: €815k2021: €824k2023: €854k2019202020212023202420252026
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

EBITDA
€296k
+180.1% far above sector median
Net profit
€38k
+16.6% +190% vs sector
Cash flow
€284k
+129.2% +236% vs sector
Total assets
€3.33M
+100.8% +17% vs sector
Equity
€854k
+3.7% -47% vs sector
Working capital
€-285k
- far below sector median
Employees (FTE)
13
+54.8% far above sector median
Staff costs
€759k
+89.8% far above sector median
Income taxes
€1k
+59.6% -55% vs sector
Debt
€2.48M
+196.4% far above sector median
Debt ≤ 1y
€1.71M
+110.6% +243% vs sector
Debt > 1y
€764k
+2911.9% far above sector median
Current ratio
0.83
-38.8% -56% vs sector
Quick ratio
0.58
-57.3% -70% vs sector
Solvency
25.6%
-48.4% -67% vs sector
Debt / equity
2.90
+185.9% far above sector median
ROE
4.5%
+12.4% far above sector median
ROA
1.2%
-41.9% +148% vs sector
Interest coverage
7.88
-61.3% -36% vs sector
Figures by fiscal year
Fiscal year2023
Revenue-
EBITDA€296k
Net profit€38k
Cash flow€284k
Staff costs€759k
Income taxes€1k
Dividends-
Total assets€3.33M
Equity€854k
Debt€2.48M
of which ≤ 1y€1.71M
of which > 1y€764k
Working capital€-285k
Employees (FTE)13.0
Ratios (computed)
2023
Current ratio0.83
Quick ratio0.58
Working capital ratio-8.5%
Solvency25.6%
Debt / equity2.90
Long-term debt ratio0.89
Interest coverage7.88
Gross margin-
Net margin-
ROA1.2%
ROE4.5%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2023
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2023
Balance sheet, Assets
TOTAL ASSETS 20/58€3.33M
Fixed assets 21/28€1.80M
Formation expenses 20€108k
Intangible fixed assets 21€1.75M
Tangible fixed assets 22/27€52k
Financial fixed assets 28€200
Current assets 29/58€1.42M
Stocks & contracts in progress 3€431k
Amounts receivable within one year 40/41€821k
Cash & bank 54/58€135k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€3.33M
Equity 10/15€854k
Contributions / capital 10/11€924k
Accumulated profits (losses) 14€-212k
Amounts payable 17/49€2.48M
Amounts payable after one year 17€764k
Amounts payable within one year 42/48€1.71M
Trade debts payable within one year 44€909k
Income statement
Gross operating margin 9900€1.06M
Operating result 9901€50k
Financial income 75€27k
Financial charges 65€38k
Result before taxes 9903€39k
Income taxes 67/77€1k
Net result for the period 9904€38k
Result to be appropriated 9905€38k
You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2023 · computed
54 / 100 Fair
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

See plans →
Computed by Checked from the NBB filing for FY 2023. Indicative, not credit advice.

Directors

Directors & mandates

12 directors
Current directors & mandates
  • KBC VERZEKERINGENLegal entity
    Director· perm. rep.: Wim VAN HELLEMONT
    State Gazette act 26011130 (22-01-2026)
    Current
    15-10-2025 → present
  • Karen Van De Woestyne
    Director
    State Gazette act 26011130 (22-01-2026)
    Current
    25-06-2025 → present
  • Stefaan de Kezel
    Director
    State Gazette act 23054724 (21-04-2023)
    Current
    01-12-2022 → present
Historic, not recently confirmed (4)
These mandates remain open in the register but have not been confirmed by a new act in over six years. They do not count as active directors.
  • GODLegal entity
    Director· perm. rep.: Jonathan Goderis
    State Gazette act 20055912 (08-05-2020)
    Not recently confirmed
    last confirmed in an act from 2020
  • LuneLegal entity
    Director· perm. rep.: Peter Callant
    State Gazette act 20055912 (08-05-2020)
    Not recently confirmed
    last confirmed in an act from 2020
  • Markit-SolutionsLegal entity
    Director· perm. rep.: Corneillie Tijs
    State Gazette act 20055912 (08-05-2020)
    Not recently confirmed
    last confirmed in an act from 2020
  • CALLANT VERZEKERINGSKANTOORLegal entity
    Manager· perm. rep.: LUNE NV
    State Gazette act 18168728 (27-11-2018)
    Not recently confirmed
    last confirmed in an act from 2018
Former directors (5)
  • Marc EUBEN
    Director
    State Gazette act 26011130 (22-01-2026)
    Former
    - → 25-06-2025
  • Joris SMEULDERS
    Director
    State Gazette act 23054724 (21-04-2023)
    Former
    01-01-2022 → 01-12-2022
    2 events
    • 01-12-2022 Resigned· Director
    • 01-01-2022 Appointed· Director
  • Noël Pauwels
    Director
    State Gazette act 20055912 (08-05-2020)
    Former
    08-05-2020 → 01-01-2022
    2 events
    • 01-01-2022 Resigned· Director
    • 08-05-2020 Appointed· Director
  • currente zaakvoerders
    Manager
    State Gazette act 20055912 (08-05-2020)
    Former
    - → 08-05-2020
  • Stefan Van Geert
    Manager
    State Gazette act 18058025 (09-04-2018)
    Former
    - → 04-11-2017
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.

Statutory auditor

1 auditor
Statutory auditor IRE/IBR number Tenure
KPMG Réviseurs d'EntreprisesCurrent
Statutory auditor · represented by Ellemarie Bex
 - 28-06-2024 → present
Appointed statutory auditor from the Belgian State Gazette. The IRE/IBR number refers to the register of the Institute of Registered Auditors.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary Administratieve en ondersteunende activiteiten ten behoeve van kantoren(82100)
Legal form Private limited company(610)
Incorporation11-04-2017
StatusActive
Postal code8470

Structure & network

Connections & network

10 connected companies
CALLANT VERZEKERINGSKANTOOR, Parent company CVCALLANTVERZEKER…NTOORKPMG Réviseurs d'Entreprises, Parent company KRKPMG Réviseursd'EntreprisesBALOISE BELGIUM, Shared director BBBALOISEBELGIUMBureau belge des Assureurs Automobiles - Belgisch Bureau van de Autoverzekeraars, Shared director BBBureau belgedes Assu…raarsCOMPENS®, Shared director CCOMPENS®Fonds commun de Garantie belge, Shared director FCFonds communde Garan…belgeRentio, Shared director RRentioBLESSING 2021, Shared address · open bankruptcy B2BLESSING 2021KENA GROUP, Shared address KGKENA GROUPmyFaro, Shared address MmyFaroKEYPOINT KEYPOINT0674.440.604
Group structureShared directorsShared address / shareholderOpen bankruptcy
Group structure
CALLANT VERZEKERINGSKANTOOR
Parent · 1 subsidiary · 2 locations
Control→
KPMG Réviseurs d'Entreprises
Parent · 419 subsidiaries · 7 locations
Control→
Network connections
BALOISE BELGIUM
Shared director
→
COMPENS®
Shared director
→
Rentio
Shared director
→
BLESSING 2021
Shared address
→
KENA GROUP
Shared address
→
myFaro
Shared address
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.

Locations & real estate

Establishment units

1 location
KEYPOINT
Nieuwpoortse Steenweg 104, 8470 GistelZagen en schaven van hout
since 20172.263.787.186
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,722 m²
Buildings1
Building footprint806 m²
Volume (LiDAR)346 m³
Tallest building8.9 m

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
35005A0694/00V000 Flanders 1,722 m² 1 · 806 m² 8.9 m
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

11 acts
Capital history · 3
28-02-2024
v3.2
08-05-2020
v3.2
27-11-2018
v3.2
Address history · 3
22-07-2021
v3.2
17-09-2020
v3.2
31-10-2019
v3.2
All acts · 11 updated 6 months ago
2026
22-01-2026 1 director appointed, 1 resigning, 1 reappointed Director changes
  • Karen Van De Woestyne, Bestuurder
  • Euben Marc, Bestuurder
  • Wim VAN HELLEMONT, Bestuurder
Summary: v3.2
2024
15-10-2024 Ellemarie Bex appointed as statutory auditor Director changes
  • Ellemarie Bex, Commissaris
Summary: v3.2
28-02-2024 Capital increase of €2,500,000 Capital & shares
Summary: v3.2
2023
21-04-2023 2 directors appointed, 2 resigning Director changes
  • Joris Smeulders, Bestuurder
  • Stefaan de Kezel, Bestuurder
  • Noël Pauwels, Bestuurder
  • Joris Smeulders, Bestuurder
Summary: v3.2
2021
22-07-2021 Registered office moved from Oostende to Gistel Registered-office change
  • Kuipweg 13, 8400 Oostende → Nieuwpoortsesteenweg 104, 8470 Gistel
Summary: v3.2
2020
17-09-2020 Registered office moved from Oostkamp to Zandvoorde Registered-office change
  • Kapellestraat 113, 8020 Oostkamp → Kuipweg 13, 8400 Zandvoorde
Summary: v3.2
08-05-2020 Capital increase of €746,462.84 to €924,497.80 Capital & shares
  • €178.034,96 → €924.497,80
  • 2 kapitaalbewegingen in deze akte
Summary: v3.2
2019
31-10-2019 Registered office moved from Knokke-Heist to Oostkamp Registered-office change
  • Bondgenotenlaan 8, 8301 Knokke-Heist → Kapellestraat 113, 8020 Oostkamp
Summary: v3.2
2018
27-11-2018 Capital increase of €108,695 to €127,295 Capital & shares
  • €18.600 → €127.295
Summary: v3.2
09-04-2018 Stefan Van Geert resigns as manager Director changes
  • Stefan Van Geert, Zaakvoerder
Summary: v3.2
2017
26-04-2017 Incorporation of a new BV Incorporation
Summary: oprichting

Analysis

Snowflake analysis

financial profile on 5 axes
Health54Profitability22Solvency35Growth78Stability100
58 / 100

Mixed profile: strong on stability, weaker on profitability.

All 5 axes are computed from data Checked has read.

Health 54
Profitability 22
Solvency 35
Growth 78
Stability 100

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

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Company registry

Company registry (CBE)

Crossroads Bank
Activities
Risicoanalisten en schadetaxateurs66210Activiteiten van risicoanalisten en schadetaxateurs66210Administratieve en ondersteunende activiteiten ten behoeve van kantoren82100Diverse administratieve activiteiten ten behoeve van kantoren82110Overige gespecialiseerde bouwactiviteiten, neg43990Restaureren van bouwwerken43995Overige gespecialiseerde bouwwerkzaamheden43999Beheer van computerfaciliteiten62030Activiteiten op het gebied van computerconsultancy en beheer van computerfaciliteiten62200Webportalen63120Activiteiten van webportalen63910Holdings64200Activiteiten van holdings64210Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
Legal nameNL KEYPOINT
Registered office
Nieuwpoortse Steenweg 104
8470 Gistel, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.