KUBERA CONSULTING
ActiveSummary
KUBERA CONSULTING has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €518k and a net result of €39k. Equity is growing by ~7.2% per year across the filed fiscal years. Its solvency ranks better than 74% of 17043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▲+1
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 3.49 against 3.84 in 2024; short-term debt: 15.8% and cash: 4% of total assets), and 20.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
79.9%
Return on assets
6%
Age of the figures
15 mo
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 20-02-2026, 20 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
20 d late
2024
on the day
2023
on the day
2022
on the day
2021
on the day
2020
23 d late
2019
on the day
← 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
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€518k▲ 8.1%
2024 · €480k
2019: €338k
2020: €389k
2021: €389k
2022: €444k
2023: €452k
2024: €480k
2019 → 2025
Total assets
€649k▲ 8.8%
2024 · €597k
2019: €622k
2020: €600k
2021: €600k
2022: €594k
2023: €590k
2024: €597k
2019 → 2025
Net result
€39k▲ 37.8%
2024 · €28k
2019: €83k
2020: €51k
2021: €51k
2022: €55k
2023: €7k
2024: €28k
2019 → 2025
Working capital
€255k▲ 28.5%
2024 · €199k
2019: €51k
2020: €33k
2021: €60k
2022: €136k
2023: €155k
2024: €199k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€389k-€444k▲ 14.1%€452k▲ 1.6%€480k▲ 6.2%€518k▲ 8.1%
Operating result€76k-€81k▲ 6.5%€14k▼ 82.1%€47k▲ 227%€63k▲ 32.6%
Net result€51k-€55k▲ 7.7%€7k▼ 87.0%€28k▲ 291%€39k▲ 37.8%
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 33% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €649k
Fixed assets
€291k ▼ 11.2%
Current assets
€358k ▲ 33.2%
Equity and liabilities €649k
Equity
€518k ▲ 8.1%
Provisions
€6k ▼ 7.1%
Debt
€125k ▲ 12.6%
Debt's share of the balance-sheet total rises from 18.5% to 19.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€102k▲
2024 · €87k
Cash flow
€78k▲
2024 · €68k
Current ratio
3.49▼
2024 · 3.84
Debt to equity
0.24▲
2024 · 0.23
ROE
7.5%▲
2024 · 5.9%
ROA
6.0%▲
2024 · 4.7%
Interest coverage
17.87▲
2024 · 13.23
Debt ≤ 1 year
€103k▲
2024 · €70k
Debt > 1 year
€22k▼
2024 · €41k
Income taxes
€19k▲
2024 · €13k
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€597k€649k▲
Fixed assets21/28€328k€291k▼
Tangible fixed assets22/27€328k€291k▼
Land and buildings22€324k€286k▼
Furniture and vehicles24€4k€5k▲
Current assets29/58€269k€358k▲
Amounts receivable within one year40/41€241k€292k▲
Trade receivables40€48k€43k▼
Other amounts receivable41€193k€250k▲
Current investments50/53€23k€23k=
Cash at bank and in hand54/58€537€26k▲
Deferred charges and accrued income490/1€5k€17k▲
Equity and liabilities
Total equity and liabilities10/49€597k€649k▲
Equity10/15€480k€518k▲
Contributions10/11€19k€19k=
Reserves13€461k€500k▲
Tax-exempt reserves132€39k€37k▼
Distributable reserves133€422k€463k▲
Provisions and deferred taxes16€6k€6k▼
Deferred taxes168€6k€6k▼
Amounts payable17/49€111k€125k▲
Amounts payable after more than one year17€41k€22k▼
Financial debts170/4€40k€19k▼
Other amounts payable178/9€250€2k▲
Amounts payable within one year42/48€70k€103k▲
Current portion of amounts payable after more than one year42€23k€24k▲
Financial debts43-€10k
Credit institutions430/8-€10k
Trade debts44€7k€19k▲
Suppliers440/4€7k€19k▲
Taxes, remuneration and social security45€40k€50k▲
Taxes450/3€40k€50k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39k€40k▲
Other operating charges640/8€20k€32k▲
Gross operating margin9900€106k€134k▲
Operating profit (loss)9901€47k€63k▲
Financial income75/76B€532€184▼
Recurring financial income75€532€184▼
Financial charges65/66B€7k€6k▼
Recurring financial charges65€7k€6k▼
Profit (loss) for the period before taxes9903€41k€57k▲
Transfer from deferred taxes780€455€455=
Income taxes67/77€13k€19k▲
Profit (loss) for the period9904€28k€39k▲
Transfer from tax-exempt reserves789€2k€2k=
Profit (loss) for the period to be appropriated9905€30k€41k▲
Appropriation of the result
Profit (loss) to be appropriated9906€30k€41k▲
Transfer to equity691/2€30k€41k▲
To other reserves6921€30k€41k▲
The notes to these accounts (9 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
20-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
30-06
Financial
Equity above €500kEq €518k ▲8.1%
7 profitable years in a row build equity to €518k.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Weakest financial yearnet €7k ▼87%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
23-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Gent · 1 establishment unit since 2006
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.
Godelieve Joliestraat 569041 GentGround area
1,141 m²
Building footprint
154 m²
Volume, LiDAR
756 m³
Parcel 44051B0164/00V000, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
KUBERA CONSULTING
since 20062.151.651.129
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44051B0164/00V000 | Flanders | 1,141 m² | 1 · 154 m² | 7.8 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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 10,500 EUR awarded · 10,500 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 3,000 EUR | 3,000 EUR |
| 2022 | 1 | 7,500 EUR | 7,500 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,996 companies in sector 62200 we hold annual accounts for 18,393. 11,815 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
Founded18-01-2006
Fiscal year end30-06
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
58290Other software publishing
62100Computer programming
63100Computing infrastructure, data processing, hosting and related activities
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0474/828061