Summary
KRIKO IMMO 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 €325k and a net result of €-39k. Equity is growing by ~24.7% per year across the filed fiscal years. Its solvency ranks better than 52% of 3323 sector peers (fiscal year 2024). The company has been active since 1999 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
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-09-2026, 54 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
54 d late
2024
35 d early
2023
14 d late
2022
23 d late
2021
29 d late
2020
31 d late
2019
87 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, micro schema
Equity
€325k▼ 10.8%
2024 · €365k
2018: €-30k
2019: €14k
2020: €92k
2021: €217k
2022: €495k
2023: €371k
2024: €365k
2018 → 2025
Net result
€-39k▼ 173%
2024 · €-14k
2018: €-3k
2019: €44k
2020: €78k
2021: €125k
2022: €278k
2023: €-129k
2024: €-14k
2018 → 2025
Total assets
€670k▼ 3.3%
2024 · €693k
2018: €249k
2019: €243k
2020: €295k
2021: €384k
2022: €707k
2023: €741k
2024: €693k
2018 → 2025
Solvency
48.5%▼ 4.1pp
2024 · 52.6%
2018: -12.0%
2019: 5.6%
2020: 31.2%
2021: 56.4%
2022: 70.0%
2023: 50.1%
2024: 52.6%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€217k-€495k▲ 128%€371k▼ 25.1%€365k▼ 1.8%€325k▼ 10.8%
Operating result€177k-€357k▲ 101%€-102k€-7k▲ 93.0%€-28k▼ 295%
Net result€125k-€278k▲ 123%€-129k€-14k▲ 88.8%€-39k▼ 173%
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 €28k in 2025 against €7k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €670k
Fixed assets
€641k ▼ 5.9%
Current assets
€28k ▲ 151%
Equity and liabilities €670k
Equity
€325k ▼ 10.8%
Debt
€345k ▲ 4.9%
Debt's share of the balance-sheet total rises from 47.4% to 51.5%. Equity is lower and debt is higher.
Key figures and ratios
ROE
-12.1%▼
2024 · -4.0%
ROA
-5.9%▼
2024 · -2.1%
Debt ≤ 1 year
€186k▲
2024 · €146k
Debt > 1 year
€159k▼
2024 · €180k
Income taxes
€2k▲
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€693k€670k▼
Fixed assets21/28€682k€641k▼
Tangible fixed assets22/27€682k€641k▼
Land and buildings22€652k€625k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€26k€14k▼
Current assets29/58€11k€28k▲
Amounts receivable within one year40/41€2k€19k▲
Trade receivables40€2k€19k▲
Other amounts receivable41€390-
Cash at bank and in hand54/58€8k€10k▲
Deferred charges and accrued income490/1€733-
Equity and liabilities
Total equity and liabilities10/49€693k€670k▼
Equity10/15€365k€325k▼
Contributions10/11€19k€19k=
Revaluation surpluses12€8k€8k=
Reserves13€193k€193k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€191k€191k=
Profit (loss) carried forward14€145k€106k▼
Amounts payable17/49€329k€345k▲
Amounts payable after more than one year17€180k€159k▼
Financial debts170/4€180k€159k▼
Amounts payable within one year42/48€146k€186k▲
Current portion of amounts payable after more than one year42€22k€13k▼
Trade debts44€974€31k▲
Suppliers440/4€974€31k▲
Taxes, remuneration and social security45€691€6k▲
Taxes450/3€691€6k▲
Other amounts payable47/48€122k€137k▲
Accrued charges and deferred income492/3€2k-
Income statement
Code20242025
Remuneration, social security and pensions62€284-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€49k€32k▼
Other operating charges640/8€5k€10k▲
Non-recurring operating charges66A-€8k
Gross operating margin9900€48k€23k▼
Operating profit (loss)9901€-7k€-28k▼
Financial charges65/66B€7k€9k▲
Recurring financial charges65€7k€9k▲
Profit (loss) for the period before taxes9903€-14k€-37k▼
Transfer from deferred taxes780€1k-
Income taxes67/77€2k€2k▲
Profit (loss) for the period9904€-14k€-39k▼
Transfer from tax-exempt reserves789€3k-
Profit (loss) for the period to be appropriated9905€-11k€-39k▼
Appropriation of the result
Profit (loss) to be appropriated9906€145k€106k▼
Profit (loss) brought forward from the previous period14P€156k€145k▼
The notes to these accounts (10 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
23-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 54 days late
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 14 days late
2023
31-12
Financial
Weakest financial yearnet €-129k ▼146%
Net result drops to €-129k, the lowest in the series; recovery starts the following year.
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
31-12
Financial
Highest result since 2018net €278k ▲123%
Operating result €357k, net result €278k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 2.99
Current ratio from 1.27 to 2.99; short-term debt falls from €83k to €79k.
31-12
Financial
Equity above €200kEq €217k ▲136%
3 profitable years in a row build equity to €217k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Liquidity quadruplescurrent ratio 1.27
Current ratio from 0.28 to 1.27.
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 87 days late
Show earlier events
2019
31-12
Financial
Back to profitnet €44k
Net result €44k after one loss-making year.
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 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, Zemst · 1 establishment unit since 1999
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.
Ambroossteenweg 1841981 ZemstGround area
2,481 m²
Building footprint
205 m²
Volume, LiDAR
849 m³
Parcel 23034B0093/00V003, Flanders · tallest building 6.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Ambroossteenweg 184, 1981 Zemst
since 19992.092.474.793
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23034B0093/00V003 | Flanders | 2,480 m² | 1 · 205 m² | 6.0 m · 1 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.
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Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,703 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
Founded06-09-1999
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
55203Holiday cottages, homes and apartments
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.