Active BE 0696.961.628Private limited company

Koen Conings

Sint Jobsteenweg 84 ·2970 Schilde, Belgium· 8 yrs active

Sector: Activities of holding companies (64210)

Conclusion Checked

Koen Conings is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €75k and a net result of €221k. Equity is shrinking by ~50.7% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 16% of 5424 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 6 annual accounts.

Key figures

Equity	€75k
Net result	€221k
Better than sector	16%
Active	8 yrs

Financial profile 4 of 5 axes measured · computed by Checked

67 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.

Health -

Profitability 100

Solvency 9

Growth 58

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2018, 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 Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score

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.

Financial overview7 NBB filings

Annual accounts filed on 17-04-2026 with the NBB · fiscal year 2025 · abbreviated schema

RevenueOperating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

declining At this pace, equity would indicatively turn negative around fiscal year 2026, assuming unchanged policy.

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).

Sector comparison

Fiscal year 2025 · NACE 64, Financial service activities, except insurance and pension funding · compared within the same schema type (abbreviated schema)

Metric	This company	Sector median	Position in the sector
Solvency	13.5%	51.8%	better than 16% of 5424 sector peers
Net result	€221k	€53k	better than 77% of 5425 sector peers
Equity	€75k	€622k	better than 15% of 5425 sector peers
Gross operating margin	€291k	€87k	better than 81% of 5421 sector peers
Total assets	€551k	€1.54M	better than 23% of 5425 sector peers

Net profit

€221k

+98.6% 20-25

Total assets

€551k

+13.1% 20-25

Equity

€75k

+2.7% 20-25

Staff costs

€3k

+4.0% 20-25

Income taxes

€68k

+109.9% 20-25

Dividends

€219k

+62.1% 20-25

Debt

€477k

+14.9% 20-25

Debt ≤ 1y

€477k

+14.9% 20-25

Solvency

13.5%

-9.1% 20-25

ROE

295.9%

+93.3% 20-25

ROA

40.1%

+75.6% 20-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025	2024	2023	2022	2021
Deposit	abbreviated schema	abbreviated schema	abbreviated schema	abbreviated schema	abbreviated schema
Revenue	n/a	n/a	n/a	n/a	n/a
EBITDA	n/a	n/a	n/a	n/a	n/a
Net profit	€221k	€111k	€76k	€248k	€262k
Cash flow	n/a	n/a	n/a	n/a	n/a
Staff costs	-	-	-	€3k	€2k
Income taxes	€68k	€32k	€20k	€77k	€82k
Dividends	€219k	€135k	€247k	€690k	€800
Total assets	€551k	€488k	€423k	€538k	€746k
Equity	€75k	€73k	€97k	€267k	€703k
Debt	€477k	€415k	€326k	€271k	€43k
of which ≤ 1y	€477k	€415k	€326k	€271k	€43k
of which > 1y	-	-	-	-	-
Working capital	n/a	n/a	n/a	n/a	n/a
Employees (FTE)	-	-	-	-	-

Ratios (computed)

	2025	2024	2023	2022	2021
Current ratio	n/a	n/a	n/a	n/a	n/a
Quick ratio	n/a	n/a	n/a	n/a	n/a
Working capital ratio	n/a	n/a	n/a	n/a	n/a
Solvency	13.5%	14.9%	22.8%	49.7%	94.3%
Debt / equity	n/a	n/a	n/a	n/a	n/a
Long-term debt ratio	n/a	n/a	n/a	n/a	n/a
Interest coverage	n/a	n/a	n/a	n/a	n/a
Gross margin	n/a	n/a	n/a	n/a	n/a
Net margin	n/a	n/a	n/a	n/a	n/a
ROA	40.1%	22.8%	18.0%	46.1%	35.1%
ROE	295.9%	153.1%	78.9%	92.8%	37.2%
EBITDA margin	n/a	n/a	n/a	n/a	n/a
Days sales outstanding	n/a	n/a	n/a	n/a	n/a
Days payable outstanding	n/a	n/a	n/a	n/a	n/a
Inventory turnover	n/a	n/a	n/a	n/a	n/a
Days inventory (DSI)	n/a	n/a	n/a	n/a	n/a

Balance-sheet composition 2025

Assets

Fixed assets €354k · 64.1% Current assets €198k · 35.9%

Equity & liabilities

Equity €75k · 13.5% Debt €477k · 86.5%

Full annual accounts (23 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025	2024	2023	2022	2021
Balance sheet, Assets
TOTAL ASSETS	20/58	€551k	€488k	€423k	€538k	€746k
Fixed assets	21/28	€354k	€354k	€354k	€354k	€354k
Financial fixed assets	28	€354k	€354k	€354k	€354k	€354k
Current assets	29/58	€198k	€134k	€69k	€185k	€392k
Amounts receivable within one year	40/41	€92k	€81k	€67k	€81k	€69k
Cash & bank	54/58	€106k	€53k	€2k	€101k	€323k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€551k	€488k	€423k	€538k	€746k
Equity	10/15	€75k	€73k	€97k	€267k	€703k
Contributions / capital	10/11	€19k	€19k	€19k	€19k	€12k
Reserves	13	€56k	€54k	€78k	€249k	€690k
Accumulated profits (losses)	14	€0	-	-	-	-
Amounts payable	17/49	€477k	€415k	€326k	€271k	€43k
Amounts payable within one year	42/48	€477k	€415k	€326k	€271k	€43k
Trade debts payable within one year	44	€96	€334	€772	€1k	€1k
Income statement
Turnover	70	€400k	-	-	-	-
Gross operating margin	9900	€291k	€146k	€99k	€334k	€346k
Operating result	9901	€291k	€146k	€99k	€326k	€344k
Financial income	75	-	-	-	-	€33
Financial charges	65	€2k	€2k	€3k	€1k	€16
Result before taxes	9903	€289k	€144k	€96k	€325k	€344k
Income taxes	67/77	€68k	€32k	€20k	€77k	€82k
Net result for the period	9904	€221k	€111k	€76k	€248k	€262k
Result to be appropriated	9905	€221k	€111k	€76k	€248k	€262k

Directors & mandates 1 directors

Current directors & mandates

Koen CONINGS
Director
State Gazette act 23467368 (20-12-2023)

Current
20-12-2023 → present
2 events
- 20-12-2023 Resigned· Director
- 20-12-2023 Appointed· Director

Legal Structure

NACE primary	Activities of holding companies(64210)
Legal form	Private limited company(610)
Incorporation	31-05-2018
Status	Active
Postal code	2970

Establishment units 1 location

Koen Conings

Sint Jobsteenweg 84, 2970 SchildeFinancial service activities, except insurance and pension funding

since 20182.277.767.559

Real-estate footprint Source: CBE × cadastre

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11041A0213/00M004	Flanders	1,814 m²	1 · 244 m²	7.2 m · 2 fl.

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.

Updates 8 events

All 12Financial 4Gazette 1Filings 7

Next filing, fiscal year 2026, expected by 31-07-2027

2026

17-04

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

2025

16-04

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema

2024

08-05

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema

2023

31-12

Financial Weakest financial yearnet €76k ▼69.3%

Net result drops to €76k, the lowest in the series; recovery starts the following year.

20-12

State Gazette act Director changes

Jennifer De Weggheleire

05-04

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema

2022

25-04

NBB filing Annual accounts filed

fiscal year 2021 · abbreviated schema

2021

31-12

Financial Highest result since 2020net €262k ▲57.2%

Operating result €344k, net result €262k, both a record.

31-12

Financial Liquidity times 5current ratio 9.17

Current ratio from 1.85 to 9.17; short-term debt falls from €147k to €43k.

31-12

Financial Equity above €500kEq €703k ▲59.1%

2 profitable years in a row build equity to €703k.

26-04

NBB filing Annual accounts filed

fiscal year 2020 · abbreviated schema

2020

24-04

NBB filing Annual accounts filed

fiscal year 2019 · abbreviated schema

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Belgian State Gazette reading coverage 0 of 2 acts read

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts

All acts · 1 updated 2 years ago

2023

20-12-2023 1 director appointed, 1 resigning Director changes·Jennifer De Weggheleire

Koen CONINGS, Bestuurder
Koen CONINGS, Bestuurder

Notary: Jennifer De Weggheleire · Brecht

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Holdings64200Activities of holding companies64210

Names & trade names

Legal nameNL

Koen Conings

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