Summary
KNL Consultancy is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2026 annual accounts show equity of €22k and a net result of €77k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 12% of 113 sector peers (fiscal year 2026). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 113 sector peers (2026).
NBB · sector comparisonPosition among 113 sector peers
Solvency
better than 12%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 04-06-2026, 149 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2026
149 d early
2025
29 d early
2024
on the day
2023
on the day
2022
25 d late
2021
3 d late
2020
25 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, micro schema
Equity
€22k▼ 66.5%
2025 · €65k
2019: €22k
2020: €79k
2021: €126k
2022: €174k
2023: €71k
2024: €146k
2025: €65k
2019 → 2026
Net result
€77k▼ 17.4%
2025 · €93k
2019: €3k
2020: €58k
2021: €49k
2022: €48k
2023: €50k
2024: €76k
2025: €93k
2019 → 2026
Total assets
€268k▼ 1.5%
2025 · €272k
2019: €32k
2020: €92k
2021: €165k
2022: €203k
2023: €213k
2024: €248k
2025: €272k
2019 → 2026
Solvency
8.1%▼ 15.7pp
2025 · 23.8%
2019: 68.0%
2020: 85.7%
2021: 76.0%
2022: 85.8%
2023: 33.2%
2024: 59.0%
2025: 23.8%
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€174k-€71k▼ 59.3%€146k▲ 107%€65k▼ 55.8%€22k▼ 66.5%
Operating result€63k-€44k▼ 30.6%€101k▲ 129%€120k▲ 18.9%€99k▼ 17.2%
Net result€48k-€50k▲ 4.1%€76k▲ 51.0%€93k▲ 23.0%€77k▼ 17.4%
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 2026; 2026 is 17% below 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €268k
Fixed assets
€4k ▲ 52.6%
Current assets
€264k ▼ 2.0%
Equity and liabilities €268k
Equity
€22k ▼ 66.5%
Debt
€246k ▲ 18.7%
Debt's share of the balance-sheet total rises from 76.2% to 91.9%. Equity is lower and debt is higher.
Key figures and ratios
ROE
354.9%▲
2025 · 144.1%
ROA
28.7%▼
2025 · 34.3%
Debt ≤ 1 year
€126k▼
2025 · €207k
Debt > 1 year
€120k
Income taxes
€23k▼
2025 · €26k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2026 against 2025 · 43 lines
Balance sheet
Code20252026
Assets
Total assets20/58€272k€268k▼
Fixed assets21/28€2k€4k▲
Tangible fixed assets22/27€2k€4k▲
Plant, machinery and equipment23€221€1k▲
Furniture and vehicles24€2k€2k▲
Current assets29/58€270k€264k▼
Amounts receivable within one year40/41€13k€20k▲
Trade receivables40€13k€3k▼
Other amounts receivable41-€18k
Cash at bank and in hand54/58€256k€242k▼
Deferred charges and accrued income490/1€648€2k▲
Equity and liabilities
Total equity and liabilities10/49€272k€268k▼
Equity10/15€65k€22k▼
Contributions10/11€19k€19k=
Reserves13€46k€3k▼
Distributable reserves133€46k€3k▼
Amounts payable17/49€207k€246k▲
Amounts payable after more than one year17-€120k
Financial debts170/4-€120k
Amounts payable within one year42/48€207k€126k▼
Trade debts44€22k€2k▼
Suppliers440/4€22k€2k▼
Taxes, remuneration and social security45€43k€18k▼
Taxes450/3€41k€18k▼
Remuneration and social security454/9€2k-
Other amounts payable47/48€143k€107k▼
Income statement
Code20252026
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€204€208▲
Non-recurring operating charges66A-€7
Gross operating margin9900€123k€102k▼
Operating profit (loss)9901€120k€99k▼
Financial income75/76B€1€587▲
Recurring financial income75€1€587▲
Financial charges65/66B€319€277▼
Recurring financial charges65€319€277▼
Profit (loss) for the period before taxes9903€120k€100k▼
Income taxes67/77€26k€23k▼
Profit (loss) for the period9904€93k€77k▼
Profit (loss) for the period to be appropriated9905€93k€77k▼
Appropriation of the result
Profit (loss) to be appropriated9906€93k€77k▼
Transfer from equity791/2€82k€43k▼
Profit to be distributed694/7€175k€120k▼
Return on contributions (dividend)694€175k€120k▼
The notes to these accounts (7 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 2027, expected by
2026
04-06
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
2025
02-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Highest result since 2019net €93k ▲23%
Operating result €120k, net result €93k, both a record.
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Liquidity times 6current ratio 8.85
Current ratio from 1.48 to 8.85; short-term debt falls from €142k to €28k.
31-03
Financial
Equity above €100kEq €146k ▲107%
6 profitable years in a row build equity to €146k.
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
25-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
31-03
Financial
Equity above €150kEq €174k ▲38.4%
4 profitable years in a row build equity to €174k.
2021
03-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
31-03
Financial
Equity above €100kEq €126k ▲59.8%
3 profitable years in a row build equity to €126k.
2020
25-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
31-03
Financial
Liquidity doublescurrent ratio 7.00
Current ratio from 3.12 to 7.00.
2019
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro 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, Brakel · 1 establishment unit since 2019
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.
Leinstraat 609660 BrakelGround area
308 m²
Building footprint
83 m²
Volume, LiDAR
586 m³
Parcel 45034B0972/00G000, Flanders · tallest building 11.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
KNL consultancy
since 20192.283.454.630
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45034B0972/00G000 | Flanders | 307 m² | 1 · 83 m² | 11.2 m · 2 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
MORINVEST
BE 0823.710.637
Merchtem · Eq €21,684
MATRIX
BE 0467.935.027
Bocholt · Eq €21,707
Amma Invest
BE 0748.735.575
Brecht · Eq €21,710
KAAP
BE 0766.999.982
Brussel · Eq €21,717
B & V
BE 0463.317.926
Balen · Eq €21,667
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 7,690 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-01-2019
Fiscal year end31-03
Activities, NACEBEL 2025
64210Activities of holding companies
70100Activities of head offices
73300Public relations and communication consultancy
81210General cleaning of buildings
81220Other building cleaning and industrial cleaning
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.