KL & KL
ActiveKL & KL has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €30k and a net result of €-17k. Equity is shrinking by ~9.9% per year across the filed fiscal years. Its solvency ranks better than 62% of 18207 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-40
Solvency73▲+10
Growth32=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 2.45 against 1.75 in 2024; short-term debt: 20.2% and cash: 28.3% of total assets), but 52.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
47.7%
Return on assets
-27.3%
Age of the figures
9 mo
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 · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year €-17k
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 01-07-2026, 30 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
30 d early
2024
51 d early
2023
30 d early
2022
28 d late
2021
18 d late
2020
31 d late
2019
67 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€30k▼ 36.4%
2024 · €47k
2019: €64k
2020: €70k
2021: €73k
2022: €54k
2023: €58k
2024: €47k
2019 → 2025
Total assets
€63k▼ 49.3%
2024 · €124k
2019: €84k
2020: €83k
2021: €81k
2022: €167k
2023: €150k
2024: €124k
2019 → 2025
Net result
€-17k▼ 56.6%
2024 · €-11k
2019: €69k
2020: €6k
2021: €3k
2022: €-19k
2023: €4k
2024: €-11k
2019 → 2025
Working capital
€18k▼ 16.9%
2024 · €22k
2019: €51k
2020: €60k
2021: €65k
2022: €34k
2023: €38k
2024: €22k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€73k-€54k▼ 26.5%€58k▲ 8.0%€47k▼ 18.8%€30k▼ 36.4%
Operating result€3k-€-22k€7k€-8k€-16k▼ 88.1%
Net result€3k-€-19k€4k€-11k€-17k▼ 56.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €16k in 2025 against €8k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €63k
Fixed assets
€32k▼ 56.2%
Current assets
€31k▼ 39.8%
Equity and liabilities €63k
Equity
€30k▼ 36.4%
Debt
€33k▼ 57.3%
The debt ratio falls from 62.0% to 52.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-10k▼
2024 · €9k
Cash flow
€-11k▼
2024 · €7k
Solvency
47.7%▲
2024 · 38.0%
Current ratio
2.45▲
2024 · 1.75
Quick ratio
1.75▲
2024 · 1.30
Debt / equity
1.10▼
2024 · 1.63
ROE
-57.1%▼
2024 · -23.2%
ROA
-27.3%▼
2024 · -8.8%
Interest coverage
-7.69▼
2024 · 3.86
Debt
€33k▼
2024 · €77k
Debt ≤ 1 year
€13k▼
2024 · €29k
Debt > 1 year
€20k▼
2024 · €47k
Income taxes
€142▼
2024 · €155
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€124k€63k▼
Fixed assets21/28€72k€32k▼
Tangible fixed assets22/27€69k€29k▼
Plant, machinery and equipment23€5k€2k▼
Furniture and vehicles24€2k€2k▼
Leasing and similar rights25€33k€0▼
Other tangible fixed assets26€29k€25k▼
Financial fixed assets28€3k€3k=
Current assets29/58€52k€31k▼
Stocks and contracts in progress3€13k€9k▼
Stocks30/36€13k€9k▼
Amounts receivable within one year40/41€812€3k▲
Trade receivables40€798€819▲
Other amounts receivable41€14€2k▲
Cash at bank and in hand54/58€36k€18k▼
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€124k€63k▼
Equity10/15€47k€30k▼
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€39k€22k▼
Amounts payable17/49€77k€33k▼
Amounts payable after more than one year17€47k€20k▼
Financial debts170/4€47k€20k▼
Amounts payable within one year42/48€29k€13k▼
Current portion of amounts payable after more than one year42€18k€7k▼
Trade debts44€5k€3k▼
Suppliers440/4€5k€3k▼
Taxes, remuneration and social security45€3k€2k▼
Taxes450/3€3k€2k▼
Other amounts payable47/48€3k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€6k▼
Other operating charges640/8€12k€13k▲
Non-recurring operating charges66A-€6k
Gross operating margin9900€22k€9k▼
Operating profit (loss)9901€-8k€-16k▼
Financial income75/76B€24€28▲
Recurring financial income75€24€28▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€-11k€-17k▼
Income taxes67/77€155€142▼
Profit (loss) for the period9904€-11k€-17k▼
Profit (loss) for the period to be appropriated9905€-11k€-17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€39k€22k▼
Profit (loss) brought forward from the previous period14P€50k€39k▼
The notes to these accounts (12 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Weakest financial yearnet €-19k ▼770%
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
06-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 67 days late
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, Erpe-Mere · 2 establishment units since 2018
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.
Kloosterstraat 489420 Erpe-MereGround area
905 m²
Building footprint
252 m²
Volume, LiDAR
1,323 m³
2 parcels, Flanders · tallest building 13.1 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
KL & KL
since 20182.273.273.291
Les Arômes
since 20182.275.987.709
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41040B0777/00R000 | Flanders | 566 m² | 1 · 112 m² | - |
| 41034F0859/00G002 | Flanders | 339 m² | 1 · 140 m² | 13.1 m · 3 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 17,742 EUR awarded · 17,742 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 176 EUR | 176 EUR |
| 2024 | 1 | 176 EUR | 176 EUR |
| 2023 | 1 | 17,120 EUR | 17,120 EUR |
| 2022 | 1 | 270 EUR | 270 EUR |
Schemes
Hinderpremie bij openbare werken
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 418 companies in sector 47260 we hold annual accounts for 264. 203 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-01-2018
Fiscal year end31-12
Activities, NACEBEL
47260Retail trade
47252Retail sale of beverages, general range
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.