KOIS
ActiveSummary
The annual accounts of KOIS for fiscal year 2025 show a net loss of 55% of the equity at the start of that year. The 2025 annual accounts show equity of €379k and a net result of €-471k. Equity is growing by ~10.4% per year across the filed fiscal years. Its solvency ranks better than 22% of 3187 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
50
/ 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▼-76
Solvency46▼-14
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.92 against 1.49 in 2024; short-term debt: 79.4% and cash: 41.1% of total assets), and 79.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 3187 sector peers (2025).
NBB · sector comparisonPosition among 3187 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
60 d late
2023
58 d late
2022
31 d late
2021
29 d late
2020
30 d late
2019
55 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-471k
2024 · €132k
2018: €-4k
2019: €-137k
2020: €378k
2021: €298k
2022: €-506k
2023: €495k
2024: €132k
2018 → 2025
Working capital
€-120k
2024 · €767k
2018: €364k
2019: €220k
2020: €558k
2021: €716k
2022: €-239k
2023: €252k
2024: €767k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€788k-€222k▼ 71.8%€718k▲ 223%€850k▲ 18.4%€379k▼ 55.4%
Operating result€343k-€-471k€504k€229k▼ 54.5%€-473k
Net result€298k-€-506k€495k€132k▼ 73.3%€-471k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €473k after €229k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.84M
Fixed assets
€500k ▲ 504%
Current assets
€1.34M ▼ 42.4%
Equity and liabilities €1.84M
Equity
€379k ▼ 55.4%
Debt
€1.46M ▼ 6.6%
Debt's share of the balance-sheet total rises from 64.8% to 79.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-469k▼
2024 · €231k
Cash flow
€-466k▼
2024 · €135k
Current ratio
0.92▼
2024 · 1.49
Debt to equity
3.86▲
2024 · 1.84
ROE
-124.1%▼
2024 · 15.6%
ROA
-25.5%▼
2024 · 5.5%
Interest coverage
-7.64▼
2024 · 8.94
Debt ≤ 1 year
€1.46M▼
2024 · €1.57M
Staff costs
€3k▲
2024 · €2k
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 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.42M€1.84M▼
Fixed assets21/28€83k€500k▲
Tangible fixed assets22/27€7k€6k▼
Furniture and vehicles24€7k€6k▼
Financial fixed assets28€75k€493k▲
Current assets29/58€2.33M€1.34M▼
Amounts receivable within one year40/41€2.08M€575k▼
Trade receivables40€348k€38k▼
Other amounts receivable41€1.73M€538k▼
Cash at bank and in hand54/58€236k€757k▲
Deferred charges and accrued income490/1€15k€12k▼
Equity and liabilities
Total equity and liabilities10/49€2.42M€1.84M▼
Equity10/15€850k€379k▼
Contributions10/11€400k€400k=
Capital10€400k€400k=
Issued capital100€400k€400k=
Reserves13€40k€40k=
Non-distributable reserves130/1€40k€40k=
Legal reserve130€40k€40k=
Profit (loss) carried forward14€410k€-61k▼
Amounts payable17/49€1.57M€1.46M▼
Amounts payable within one year42/48€1.57M€1.46M▼
Financial debts43€203k€200k▼
Credit institutions430/8€203k€200k▼
Trade debts44€335k€55k▼
Suppliers440/4€335k€55k▼
Taxes, remuneration and social security45€0€132k▲
Taxes450/3€0€132k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€1.03M€1.08M▲
Income statement
Code20242025
Non-recurring operating income76A€8k€15k▲
Remuneration, social security and pensions62€2k€3k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€5k▲
Other operating charges640/8€5k€347k▲
Non-recurring operating charges66A-€794k
Gross operating margin9900€238k€675k▲
Operating profit (loss)9901€229k€-473k▼
Financial income75/76B€64k€64k▼
Recurring financial income75€64k€5k▼
Non-recurring financial income76B-€59k
Financial charges65/66B€161k€61k▼
Recurring financial charges65€26k€61k▲
Non-recurring financial charges66B€136k€0▼
Profit (loss) for the period before taxes9903€132k€-471k▼
Profit (loss) for the period9904€132k€-471k▼
Profit (loss) for the period to be appropriated9905€132k€-471k▼
Appropriation of the result
Profit (loss) to be appropriated9906€410k€-61k▼
Profit (loss) brought forward from the previous period14P€278k€410k▲
Social balance
Average headcount (FTE)90870.00.2▲
The notes to these accounts (13 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 31 days late
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 60 days late
2024
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 58 days late
2023
31-12
Financial
Back to profitnet €495k
Net result €495k after one loss-making year.
31-12
Financial
Equity above €500kEq €718k ▲223%
Equity rises from €222k to €718k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €-506k
Net result drops to €-506k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 29 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 30 days late
15-01
State Gazette act
Capital increase · Capital
Legal-form conversion · Director resignation
2020
31-12
Financial
Back to profitnet €378k
Net result €378k after 2 loss-making years.
31-12
Financial
Equity above €500kEq €570k ▲110%
Equity rises from €272k to €570k.
Show earlier events
24-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 55 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 29 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
07-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 38 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 10 acts read
About the unread acts
We know of 10 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
10 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, Elsene · 1 establishment unit since 2014
Ground area
1,666 m²
Parcel 21807G0149/00W000, Brussels. Linked by address, not a title deed.
162
companies at this address
See who is registered here
1 establishment unit
KOIS
since 20142.233.244.658
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21807G0149/00W000 | Brussels | 1,666 m² | - | - |
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.
Public money · subsidies and aid
European Union, budget
2022 · 4 entries · 536,877 EUR in total| Year | Entries | awarded |
|---|---|---|
| 2022 | 4 | 536,877 EUR |
Projects
SOILVALUES - ENHANCING SOIL HEALTH THROUGH VALUES-BASED BUSINESS MODELS
European research
1 project · 536,875 EUR EU contributionProgrammes
Horizon Europe
Projects
Enhancing Soil health through Values-based business models
Recognitions · licences · registrations
Legal Entity Identifier
9845006C6001DCA46308
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 36,699 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 formPublic limited company
Founded30-04-2014
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.