KOC
ActiveSummary
The computed 12-month bankruptcy probability of KOC is 2.1% (moderate). The 2025 annual accounts show equity of €34k and a net result of €10k. Equity is growing by ~39.3% per year across the filed fiscal years. Its solvency ranks better than 52% of 7453 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
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▲+6
Solvency70▲+22
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.35 against 1.09 in 2024; short-term debt: 44.2% and cash: 2.1% of total assets), and 54.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+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 →
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 28-02-2026, 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 · 4 filingsDeviation from the deadline
2025
28 d late
2024
59 d late
2023
29 d late
2022
28 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€90k
EBIT margin
13.1%
Net result
€10k▲ 18.6%
2024 · €8k
2022: €9k
2023: €2k
2024: €8k
2022 → 2025
Working capital
€12k▲ 124%
2024 · €5k
2022: €12k
2023: €15k
2024: €5k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€90k-
Equity€13k-€16k▲ 18.2%€24k▲ 54.0%€34k▲ 41.6%
Operating result€12k-€4k▼ 69.6%€17k▲ 372%€17k▲ 2.6%
Net result€9k-€2k▼ 73.3%€8k▲ 243%€10k▲ 18.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 3% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €76k
Fixed assets
€30k ▼ 30.0%
Current assets
€45k ▼ 26.3%
Equity and liabilities €76k
Equity
€34k ▲ 41.6%
Debt
€41k ▼ 48.6%
Debt's share of the balance-sheet total falls from 76.9% to 54.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€29k▲
2024 · €22k
Cash flow
€21k▲
2024 · €13k
Current ratio
1.35▲
2024 · 1.09
Debt to equity
1.21▼
2024 · 3.34
ROE
29.4%▼
2024 · 35.1%
ROA
13.3%▲
2024 · 8.1%
Interest coverage
12.17▼
2024 · 24.85
Debt ≤ 1 year
€33k▼
2024 · €56k
Debt > 1 year
€8k▼
2024 · €25k
Income taxes
€5k▼
2024 · €8k
Staff costs
€90
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 · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€105k€76k▼
Fixed assets21/28€44k€30k▼
Intangible fixed assets21€0-
Tangible fixed assets22/27€44k€30k▼
Furniture and vehicles24€25k€21k▼
Leasing and similar rights25€18k€9k▼
Current assets29/58€61k€45k▼
Amounts receivable within one year40/41€59k€44k▼
Trade receivables40€51k€25k▼
Other amounts receivable41€8k€19k▲
Cash at bank and in hand54/58€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€105k€76k▼
Equity10/15€24k€34k▲
Contributions10/11€4k€4k=
Profit (loss) carried forward14€20k€30k▲
Amounts payable17/49€81k€41k▼
Amounts payable after more than one year17€25k€8k▼
Financial debts170/4€25k€8k▼
Amounts payable within one year42/48€56k€33k▼
Current portion of amounts payable after more than one year42€10k€8k▼
Financial debts43€15k€9k▼
Credit institutions430/8€15k€9k▼
Trade debts44€24k€5k▼
Suppliers440/4€24k€5k▼
Taxes, remuneration and social security45€7k€12k▲
Taxes450/3€38€5k▲
Remuneration and social security454/9€7k€7k▼
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€179k-
Remuneration, social security and pensions62-€90
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€11k▲
Other operating charges640/8€5k€4k▼
Non-recurring operating charges66A-€982
Gross operating margin9900€27k€33k▲
Operating profit (loss)9901€17k€17k▲
Financial income75/76B€0€413▲
Recurring financial income75€0€413▲
Financial charges65/66B€872€2k▲
Recurring financial charges65€872€2k▲
Profit (loss) for the period before taxes9903€16k€15k▼
Income taxes67/77€8k€5k▼
Profit (loss) for the period9904€8k€10k▲
Profit (loss) for the period to be appropriated9905€8k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€20k€30k▲
Profit (loss) brought forward from the previous period14P€12k€20k▲
The notes to these accounts (11 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
28-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
30-06
Financial
Highest result since 2022net €10k ▲18.6%
Operating result €17k, net result €10k, both a record.
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 59 days late
2024
29-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
30-06
Financial
Weakest financial yearnet €2k ▼73.3%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
28-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 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, Evergem · 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.
Braamstraat 6 unit B9940 EvergemGround area
2.0 ha
Building footprint
1,665 m²
Parcel 44302E1868/00A000, Flanders · tallest building 0.1 m. Linked by address, not a title deed.
1 establishment unit
Braamstraat 6 unit B, 9940 Evergem
since 20212.323.521.766
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44302E1868/00A000 | Flanders | 2.0 ha | 1 · 1,665 m² | 0.1 m |
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
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GUILLAUME Thibaut
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Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 12,632 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
Founded29-09-2021
Fiscal year end30-06
Activities, NACEBEL 2025
41001General construction of residential buildings
43110Demolition
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:koc.bv@outlook.com
Phone:0484124292