BUGA KEMPEN
ActiveSummary
BUGA KEMPEN has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €219,573 and a net result of €58,864. Equity remains stable across the filed fiscal years (±0.3% per year). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability43▼-4
Solvency34▲+4
Growth61▲+30
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10,000 at 30 days acceptable
Liquidity short (current ratio 0.96 against 0.97 in 2023; short-term debt: 78% and cash: 4.6% of total assets), and 90.9% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-06-2026, 36 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
36 d early
2024
36 d early
2023
37 d early
2022
34 d early
2021
26 d early
2020
24 d early
2019
21 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 31 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
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. Usually files around 25 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2024, full schema, 2025 accounts filed, figures not processed yet
Turnover
€14.8m▼ 2.2%
2023 · €15.2m
EBIT margin
1.0%▲ 0.7pp
2023 · 0.4%
Net result
€58,864▲ 911%
2023 · €5,821
Working capital
-€67,585▲ 35.3%
2023 · -€104,458
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Turnover€13.6m▼ 23.8%€11.7m▼ 14.3%€13.7m▲ 17.2%€15.2m▲ 10.7%€14.8m▼ 2.2%
Operating result-€11,359▼ 550%-€61,908▼ 445%€31,352€53,315▲ 70.1%€154,364▲ 190%
Net result€1,073within the sector's middle half▲ 361%-€55,270below the sector's middle half€8,205within the sector's middle half€5,821within the sector's middle half▼ 29.1%€58,864within the sector's middle half▲ 911%
EBIT margin-0.1%▼ 0.1pp-0.5%▼ 0.4pp0.2%▲ 0.8pp0.4%▲ 0.1pp1.0%▲ 0.7pp
Equity€201,953within the sector's middle half▲ 0.5%€146,683within the sector's middle half▼ 27.4%€154,888within the sector's middle half▲ 5.6%€160,709within the sector's middle half▲ 3.8%€219,573within the sector's middle half▲ 36.6%
Total assets€1.9mwithin the sector's middle half▼ 11.5%€1.6mwithin the sector's middle half▼ 16.5%€2.7mabove the sector's middle half▲ 69.3%€3.3mabove the sector's middle half▲ 23.4%€2.4mwithin the sector's middle half▼ 27.3%
Debt€1.7m▼ 12.7%€1.4m▼ 15.3%€2.5m▲ 75.8%€3.2m▲ 24.6%€2.2m▼ 30.5%
Working capital-€223,167below the sector's middle half▲ 25.6%-€172,696below the sector's middle half▲ 22.6%-€229,661below the sector's middle half▼ 33.0%-€104,458below the sector's middle half▲ 54.5%-€67,585below the sector's middle half▲ 35.3%
Solvency10.6%below the sector's middle half▲ 1.3pp9.2%below the sector's middle half▼ 1.4pp5.8%below the sector's middle half▼ 3.5pp4.8%below the sector's middle half▼ 0.9pp9.1%below the sector's middle half▲ 4.3pp
Current ratio0.87below the sector's middle half▲ 0.020.88below the sector's middle half▲ 0.010.91below the sector's middle half▲ 0.030.97below the sector's middle half▲ 0.060.96below the sector's middle half=
Return on assets (ROA)0.1%below the sector's middle half=-3.5%below the sector's middle half▼ 3.5pp0.3%within the sector's middle half▲ 3.8pp0.2%within the sector's middle half▼ 0.1pp2.4%within the sector's middle half▲ 2.3pp
Staff (FTE)39.7above the sector's middle half▼ 3.6%33.9above the sector's middle half▼ 14.6%31.4above the sector's middle half▼ 7.4%27.6above the sector's middle half▼ 12.1%27.1above the sector's middle half▼ 1.8%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 190% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €2.4m
Fixed assets
€599,135 ▲ 126%
Current assets
€1.8m ▼ 40.6%
Equity and liabilities €2.4m
Equity
€219,573 ▲ 36.6%
Debt
€2.2m ▼ 30.5%
Debt's share of the balance-sheet total falls from 95.2% to 90.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€235,568▲
2023 · €178,139
Cash flow
€140,068▲
2023 · €130,645
Quick ratio
0.27▲
2023 · 0.26
Debt to equity
9.98▼
2023 · 19.64
ROE
26.8%▲
2023 · 3.6%
Interest coverage
3.49▼
2023 · 4.78
Debt ≤ 1 year
€1.9m▼
2023 · €3.2m
Debt > 1 year
€311,977
Income taxes
€28,080▲
2023 · €14,062
Staff costs
€2.0m▼
2023 · €2.1m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,448 companies that looked in July 2024 the way this one looks now, 2.0% went bankrupt within 24 months and 96% are still going.
- Small
- 10 to 20 years old
- solvency under 10%
- a profit under 5% of the balance sheet
2.0%
went bankrupt
2.1%
stopped otherwise
96%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 1,448 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Operating income70/76A | - | €11.9m | €14.1m | €15.6m | €15.1m | ▼ 3.0% |
| Turnover70 | €13.6m | €11.7m | €13.7m | €15.2m | €14.8m | ▼ 2.2% |
| Other operating income74 | - | €159,288 | €160,378 | €192,499 | €135,147 | ▼ 29.8% |
| Non-recurring operating income76A | - | €57,952 | €208,391 | €207,855 | €135,587 | ▼ 34.8% |
| Operating charges60/66A | - | €12.0m | €14.0m | €15.5m | €14.9m | ▼ 3.6% |
| Goods for resale, raw materials and consumables60 | - | €8.6m | €10.5m | €11.9m | €11.4m | ▼ 4.2% |
| Purchases600/8 | - | €8.5m | €11.2m | €12.7m | €10.4m | ▼ 18.1% |
| Change in stocks: decrease (increase)609 | - | €182,490 | -€640,323 | -€866,327 | €940,110 | ▲ 209% |
| Services and other goods61 | - | €1.1m | €1.3m | €1.3m | €1.4m | ▲ 7.8% |
| Remuneration, social security and pensions62 | - | €1.9m | €2.0m | €2.1m | €2.0m | ▼ 4.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €190,805 | €174,035 | €126,325 | €124,824 | €81,204 | ▼ 34.9% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €12,625 | €8,363 | €3,021 | €11 | ▼ 99.6% |
| Other operating charges640/8 | - | €79,643 | €80,623 | €97,149 | €83,258 | ▼ 14.3% |
| Operating profit (loss)9901 | -€11,359 | -€61,908 | €31,352 | €53,315 | €154,364 | ▲ 190% |
| Financial income75/76B | - | €17,092 | €3,585 | €4,826 | €2,198 | ▼ 54.5% |
| Recurring financial income75 | €26,933 | €17,092 | €3,585 | €4,826 | €2,198 | ▼ 54.5% |
| Income from current assets751 | - | €15,274 | €2,124 | €53 | €42 | ▼ 20.8% |
| Other financial income752/9 | - | €1,818 | €1,461 | €4,773 | €2,156 | ▼ 54.8% |
| Financial charges65/66B | - | €9,608 | €19,662 | €38,258 | €69,618 | ▲ 82.0% |
| Recurring financial charges65 | €11,526 | €9,608 | €19,662 | €38,258 | €69,618 | ▲ 82.0% |
| Debt charges650 | €8,914 | €7,570 | €18,586 | €37,241 | €67,581 | ▲ 81.5% |
| Other financial charges652/9 | - | €2,038 | €1,076 | €1,017 | €2,037 | ▲ 100% |
| Profit (loss) for the period before taxes9903 | €4,048 | -€54,424 | €15,275 | €19,883 | €86,944 | ▲ 337% |
| Income taxes67/77 | €2,975 | €846 | €7,070 | €14,062 | €28,080 | ▲ 99.7% |
| Taxes670/3 | - | €13,083 | €7,127 | €14,062 | €28,080 | ▲ 99.7% |
| Tax adjustments and reversals of tax provisions77 | - | €12,237 | €57 | - | - | - |
| Profit (loss) for the period9904 | €1,073 | -€55,270 | €8,205 | €5,821 | €58,864 | ▲ 911% |
| Profit (loss) for the period to be appropriated9905 | €1,073 | -€55,270 | €8,205 | €5,821 | €58,864 | ▲ 911% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.9m | €1.6m | €2.7m | €3.3m | €2.4m | ▼ 27.3% |
| Fixed assets21/28 | €447,450 | €328,831 | €384,549 | €265,467 | €599,135 | ▲ 126% |
| Intangible fixed assets21 | €24,940 | €0 | €0 | - | - | - |
| Tangible fixed assets22/27 | €420,472 | €326,793 | €381,971 | €262,889 | €591,557 | ▲ 125% |
| Land and buildings22 | - | €48,254 | €38,731 | €29,909 | €36,376 | ▲ 21.6% |
| Plant, machinery and equipment23 | - | €77,163 | €47,351 | €20,792 | €334,613 | ▲ 1,509% |
| Furniture and vehicles24 | - | €201,376 | €253,900 | €212,188 | €220,568 | ▲ 3.9% |
| Assets under construction and advance payments27 | - | - | €41,989 | €0 | - | - |
| Financial fixed assets28 | €2,038 | €2,038 | €2,578 | €2,578 | €7,578 | ▲ 194% |
| Other financial fixed assets284/8 | - | €2,038 | €2,578 | €2,578 | €7,578 | ▲ 194% |
| Amounts receivable and cash guarantees285/8 | - | €2,038 | €2,578 | €2,578 | €7,578 | ▲ 194% |
| Current assets29/58 | €1.5m | €1.3m | €2.3m | €3.1m | €1.8m | ▼ 40.6% |
| Stocks and contracts in progress3 | €934,106 | €749,179 | €1.4m | €2.2m | €1.3m | ▼ 41.9% |
| Stocks30/36 | - | €736,554 | €1.4m | €2.2m | €1.3m | ▼ 41.7% |
| Goods purchased for resale34 | - | €736,554 | €1.4m | €2.2m | €1.3m | ▼ 41.7% |
| Contracts in progress37 | - | €12,625 | €4,588 | €7,370 | - | - |
| Amounts receivable within one year40/41 | €504,557 | €498,730 | €916,543 | €716,985 | €341,697 | ▼ 52.3% |
| Trade receivables40 | - | €474,267 | €649,842 | €450,881 | €328,525 | ▼ 27.1% |
| Other amounts receivable41 | - | €24,463 | €266,701 | €266,104 | €13,172 | ▼ 95.1% |
| Cash at bank and in hand54/58 | €5,349 | €10,371 | €4,471 | €53,326 | €109,906 | ▲ 106% |
| Deferred charges and accrued income490/1 | - | - | - | €35,971 | €56,087 | ▲ 55.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.9m | €1.6m | €2.7m | €3.3m | €2.4m | ▼ 27.3% |
| Equity10/15 | €201,953 | €146,683 | €154,888 | €160,709 | €219,573 | ▲ 36.6% |
| Contributions10/11 | - | €200,000 | €200,000 | €200,000 | €200,000 | = |
| Reserves13 | €345 | €345 | €345 | €345 | €345 | = |
| Non-distributable reserves130/1 | - | €345 | €345 | - | - | - |
| Reserves not available under the articles1311 | - | €345 | €345 | - | - | - |
| Distributable reserves133 | - | - | - | €345 | €345 | = |
| Profit (loss) carried forward14 | €1,608 | -€53,662 | -€45,457 | -€39,636 | €19,228 | ▲ 149% |
| Amounts payable17/49 | €1.7m | €1.4m | €2.5m | €3.2m | €2.2m | ▼ 30.5% |
| Amounts payable after more than one year17 | - | - | - | - | €311,977 | - |
| Financial debts170/4 | - | - | - | - | €311,977 | - |
| Credit institutions173 | - | - | - | - | €311,977 | - |
| Amounts payable within one year42/48 | €1.7m | €1.4m | €2.5m | €3.2m | €1.9m | ▼ 40.4% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €28,023 | - |
| Financial debts43 | - | €748 | €255,441 | €12,278 | €10,371 | ▼ 15.5% |
| Credit institutions430/8 | - | - | €250,000 | - | - | - |
| Other loans439 | - | €748 | €5,441 | €12,278 | €10,371 | ▼ 15.5% |
| Trade debts44 | €392,280 | €579,181 | €1.5m | €1.1m | €680,200 | ▼ 37.0% |
| Suppliers440/4 | - | €579,181 | €1.5m | €1.1m | €680,200 | ▼ 37.0% |
| Advances received on contracts in progress46 | - | - | €20,066 | €0 | - | - |
| Taxes, remuneration and social security45 | - | €341,375 | €321,186 | €296,229 | €356,565 | ▲ 20.4% |
| Taxes450/3 | - | €119,957 | €91,591 | €74,298 | €134,166 | ▲ 80.6% |
| Remuneration and social security454/9 | - | €221,418 | €229,595 | €221,931 | €222,399 | ▲ 0.2% |
| Other amounts payable47/48 | - | €509,672 | €476,859 | €1.8m | €804,767 | ▼ 54.5% |
| Accrued charges and deferred income492/3 | - | €9,452 | €0 | €300 | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1,073 | -€55,270 | €8,205 | €5,821 | €58,864 | ▲ 911% |
| + Depreciation and write-downs630 | €190,805 | €174,035 | €126,325 | €124,824 | €81,204 | ▼ 34.9% |
| Operating cash flow (approximation) | €191,878 | €118,765 | €134,530 | €130,645 | €140,068 | ▲ 7.2% |
| Investment in fixed assets (approximation) | - | -€55,416 | -€182,043 | -€5,742 | -€414,872 | ▼ 7,125% |
| Change in cash | - | €5,022 | -€5,900 | €48,855 | €56,580 | ▲ 15.8% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
25-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2018net €58,864 ▲911%
Operating result €154,364, net result €58,864, both a record.
31-12
Financial
Equity above €200,000Eq €219,573 ▲36.6%
3 profitable years in a row build equity to €219,573.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Back to profitnet €8,205
Net result €8,205 after one loss-making year.
31-12
Financial
Equity above €150,000Eq €154,888 ▲5.6%
Equity rises from €146,683 to €154,888.
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Weakest financial yearnet -€55,270
Net result drops to -€55,270, the lowest in the series; recovery starts the following year.
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
10-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
Show earlier events
2019
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
11-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
06-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
We know of 8 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
No directors read yet: 0 of 8 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Geel · 1 establishment unit since 2011
Ground area
1.2 ha
Building footprint
4,497 m²
Volume, LiDAR
21,994 m³
Parcel 13373L0306/00K000, Flanders · tallest building 39.2 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Buga Kempen
since 20112.203.461.601
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13373L0306/00K000 | Flanders | 1.2 ha | 1 · 4,497 m² | 39.2 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 ownerChain of control
- IPT
- BUGA KEMPEN
Highest known parent: IPT. The sources do not say who stands above it.
Owners 1
- IPTparentSourceaccounts IPT 2023100%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 4,261 EUR awarded · 3,637 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,676 EUR | 1,230 EUR |
| 2024 | 1 | 317 EUR | 317 EUR |
| 2023 | 1 | 1,209 EUR | 1,031 EUR |
| 2022 | 1 | 1,059 EUR | 1,059 EUR |
Recognitions · licences · registrations
Dual-learning approval
2 live approvalsOnderhoudsmecanicien personenwagens en lichte bedrijfsvoertuigen (vwo)
Onderhoudsmechanica auto duaal (so)
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Of 10,654 companies in this sector we hold annual accounts for 5,227. 3,722 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded21-10-2011
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
77110Renting and leasing of cars and light motor vehicles
95314Bodywork repair (including spraying and painting)
E-invoicing
Reachable via Peppol
Peppol ID
0208:0840532516
Also
9925:BE0840532516
Registered
20-11-2020
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.