KVD
ActiveKVD has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €325k and a net result of €12k. Equity is growing by ~18.9% per year across the filed fiscal years. Its solvency ranks better than 85% of 16527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-27
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 18.9 against 17.0 in 2024; short-term debt: 4.8% and cash: 88.7% of total assets), and 8.7% of the assets are financed with debt.
Credit advice 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 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
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
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
91.3%
Return on assets
3.3%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-08-2026, 7 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 · 7 filingsDeviation from the deadline
2025
7 d late
2024
77 d early
2023
37 d early
2022
26 d early
2021
31 d early
2020
29 d early
2019
5 d late
← before the deadline
after the deadline →
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€325k▲ 3.7%
2024 · €314k
2019: €65k
2020: €129k
2021: €208k
2022: €243k
2023: €208k
2024: €314k
2019 → 2025
Total assets
€357k▲ 4.8%
2024 · €340k
2019: €181k
2020: €221k
2021: €283k
2022: €292k
2023: €344k
2024: €340k
2019 → 2025
Net result
€12k▼ 89.0%
2024 · €106k
2019: €48k
2020: €66k
2021: €81k
2022: €36k
2023: €109k
2024: €106k
2019 → 2025
Working capital
€307k▼ 4.1%
2024 · €320k
2019: €-44k
2020: €3k
2021: €82k
2022: €102k
2023: €74k
2024: €320k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€208k-€243k▲ 16.9%€208k▼ 14.5%€314k▲ 50.7%€325k▲ 3.7%
Operating result€113k-€50k▼ 55.9%€147k▲ 196%€150k▲ 1.8%€17k▼ 88.6%
Net result€81k-€36k▼ 55.5%€109k▲ 202%€106k▼ 3.1%€12k▼ 89.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 89% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €357k
Fixed assets
€33k▲ 8,333%
Current assets
€324k▼ 4.7%
Equity and liabilities €357k
Equity
€325k▲ 3.7%
Debt
€31k▲ 17.7%
The debt ratio rises from 7.8% to 8.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€21k▼
2024 · €152k
Cash flow
€15k▼
2024 · €108k
Solvency
91.3%▼
2024 · 92.2%
Current ratio
18.90▲
2024 · 17.00
Quick ratio
18.90▲
2024 · 17.00
Debt / equity
0.10▲
2024 · 0.08
ROE
3.6%▼
2024 · 33.7%
ROA
3.3%▼
2024 · 31.0%
Interest coverage
124.85▼
2024 · 752.50
Debt
€31k▲
2024 · €26k
Debt ≤ 1 year
€17k▼
2024 · €20k
Debt > 1 year
€0▼
2024 · €6k
Income taxes
€5k▼
2024 · €44k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€340k€357k▲
Fixed assets21/28€387€33k▲
Tangible fixed assets22/27€387€33k▲
Land and buildings22€0-
Plant, machinery and equipment23€0-
Furniture and vehicles24€387€33k▲
Current assets29/58€340k€324k▼
Amounts receivable within one year40/41€153k€7k▼
Trade receivables40€152k€0▼
Other amounts receivable41€1k€7k▲
Cash at bank and in hand54/58€186k€316k▲
Deferred charges and accrued income490/1-€416
Equity and liabilities
Total equity and liabilities10/49€340k€357k▲
Equity10/15€314k€325k▲
Contributions10/11€19k€19k=
Reserves13€295k€307k▲
Distributable reserves133€295k€307k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€26k€31k▲
Amounts payable after more than one year17€6k€0▼
Financial debts170/4€6k€0▼
Amounts payable within one year42/48€20k€17k▼
Current portion of amounts payable after more than one year42€6k€6k▼
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€7k€5k▼
Taxes450/3€3k€3k▼
Remuneration and social security454/9€4k€2k▼
Other amounts payable47/48€3k€4k▲
Accrued charges and deferred income492/3€542€14k▲
Income statement
Code20242025
Non-recurring operating income76A€16k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A€7k€25k▲
Gross operating margin9900€161k€48k▼
Operating profit (loss)9901€150k€17k▼
Financial income75/76B€0€7▲
Recurring financial income75€0€7▲
Financial charges65/66B€203€168▼
Recurring financial charges65€203€168▼
Profit (loss) for the period before taxes9903€150k€17k▼
Income taxes67/77€44k€5k▼
Profit (loss) for the period9904€106k€12k▼
Profit (loss) for the period to be appropriated9905€106k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€106k€12k▼
Transfer from equity791/2€0-
Transfer to equity691/2€106k€12k▼
To other reserves6921€106k€12k▼
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
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
07-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 7 days late
2025
31-12
Financial
Weakest financial yearnet €12k ▼89%
Net result drops to €12k, the lowest in the series.
15-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 11current ratio 17.00
Current ratio from 1.61 to 17.00; short-term debt falls from €123k to €20k.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2019net €109k ▲202%
Net result €109k, the highest in the series.
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity triplescurrent ratio 2.85
Current ratio from 1.06 to 2.85; short-term debt falls from €52k to €44k.
31-12
Financial
Equity above €200kEq €208k ▲61.8%
3 profitable years in a row build equity to €208k.
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity triplescurrent ratio 1.06
Current ratio from 0.35 to 1.06; short-term debt falls from €67k to €52k.
31-12
Financial
Equity above €100kEq €129k ▲99.5%
2 profitable years in a row build equity to €129k.
05-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 5 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Wuustwezel · 1 establishment unit since 2018
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.
Neerstraat 492990 WuustwezelGround area
1,584 m²
Building footprint
348 m²
Volume, LiDAR
1,436 m³
2 parcels, Flanders · tallest building 11.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
KVD
since 20182.282.609.344
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11022G0635/00D002 | Flanders | 951 m² | 1 · 199 m² | 9.6 m · 2 fl. |
| 11682F0825/00Z000 | Flanders | 633 m² | 1 · 149 m² | 11.1 m |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
DR. M. NEYRINCK-HUISARTS
BE 0632.956.078
Hove · Eq €325k
Dr. Karolien Vanwijmelbeke
BE 0567.934.208
Zwevegem · Eq €325k
Centre de Santé de l'Ourthe
BE 0750.997.160
Esneux · Eq €325k
Dr. Marina Essers
BE 0802.823.171
Houthalen-Helchteren · Eq €326k
DOKTER MARIEN NELE
BE 0882.399.201
Beringen · Eq €325k
Of 9,124 companies in sector 86210 we hold annual accounts for 6,337. 5,184 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-10-2018
Fiscal year end31-12
Activities, NACEBEL
86210General medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.