CARPENTIER KENNETH
ActiveCARPENTIER KENNETH has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €230k and a net result of €103k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 19% of 7744 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-8
Solvency43▲+8
Growth78▲+10
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity short (current ratio 0.52 against 0.55 in 2024; short-term debt: 48.9% and cash: 7.9% of total assets), and 81.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
18.2%
Return on assets
8.2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 7744 sector peers (2025).
NBB · sector comparisonPosition among 7744 sector peers
Solvency
better than 19%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €230k
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 30-07-2026, 1 day ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
1 d early
2024
84 d early
2023
47 d early
2022
24 d early
2021
24 d early
2020
44 d early
2019
60 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€230k▲ 81.2%
2024 · €127k
2018: €127k
2019: €127k
2020: €127k
2021: €127k
2022: €127k
2023: €127k
2024: €127k
2018 → 2025
Total assets
€1.26M▼ 4.5%
2024 · €1.32M
2018: €912k
2019: €987k
2020: €1.09M
2021: €1.22M
2022: €1.13M
2023: €1.01M
2024: €1.32M
2018 → 2025
Net result
€103k▼ 45.9%
2024 · €191k
2018: €58k
2019: €89k
2020: €106k
2021: €136k
2022: €41k
2023: €75k
2024: €191k
2018 → 2025
Working capital
€-298k▲ 3.9%
2024 · €-310k
2018: €-129k
2019: €-128k
2020: €-152k
2021: €-220k
2022: €-217k
2023: €-224k
2024: €-310k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€127k-€127k=€127k=€127k=€230k▲ 81.2%
Operating result€237k-€123k▼ 48.3%€148k▲ 20.2%€277k▲ 87.7%€156k▼ 43.8%
Net result€136k-€41k▼ 70.3%€75k▲ 85.3%€191k▲ 154%€103k▼ 45.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 44% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.26M
Fixed assets
€943k▼ 0.8%
Current assets
€321k▼ 13.9%
Equity and liabilities €1.26M
Equity
€230k▲ 81.2%
Debt
€1.03M▼ 13.5%
The debt ratio falls from 90.4% to 81.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€288k▼
2024 · €350k
Cash flow
€236k▼
2024 · €264k
Solvency
18.2%▲
2024 · 9.6%
Current ratio
0.52▼
2024 · 0.55
Quick ratio
0.51▼
2024 · 0.53
Debt / equity
4.50▼
2024 · 9.43
ROE
44.8%▼
2024 · 150.3%
ROA
8.2%▼
2024 · 14.4%
Interest coverage
15.54▼
2024 · 16.86
Debt
€1.03M▼
2024 · €1.20M
Debt ≤ 1 year
€618k▼
2024 · €682k
Debt > 1 year
€416k▼
2024 · €514k
Income taxes
€35k▼
2024 · €67k
Staff costs
€793k▼
2024 · €873k
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€1.32M€1.26M▼
Fixed assets21/28€951k€943k▼
Intangible fixed assets21€2k€1k▼
Tangible fixed assets22/27€944k€938k▼
Land and buildings22€602k€604k▲
Plant, machinery and equipment23€44k€37k▼
Furniture and vehicles24€298k€297k▼
Financial fixed assets28€5k€5k=
Current assets29/58€372k€321k▼
Stocks and contracts in progress3€13k€7k▼
Stocks30/36€13k€7k▼
Amounts receivable within one year40/41€166k€201k▲
Trade receivables40€104k€59k▼
Other amounts receivable41€62k€142k▲
Cash at bank and in hand54/58€191k€100k▼
Deferred charges and accrued income490/1€3k€13k▲
Equity and liabilities
Total equity and liabilities10/49€1.32M€1.26M▼
Equity10/15€127k€230k▲
Contributions10/11€19k€19k=
Reserves13€108k€211k▲
Distributable reserves133€108k€211k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€1.20M€1.03M▼
Amounts payable after more than one year17€514k€416k▼
Financial debts170/4€514k€416k▼
Amounts payable within one year42/48€682k€618k▼
Current portion of amounts payable after more than one year42€184k€191k▲
Trade debts44€246k€148k▼
Suppliers440/4€246k€148k▼
Taxes, remuneration and social security45€21k€0▼
Taxes450/3€3k€0▼
Remuneration and social security454/9€18k€0▼
Other amounts payable47/48€232k€280k▲
Income statement
Code20242025
Non-recurring operating income76A€2k€0▼
Remuneration, social security and pensions62€873k€793k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€73k€133k▲
Other operating charges640/8€8k€7k▼
Gross operating margin9900€1.23M€1.09M▼
Operating profit (loss)9901€277k€156k▼
Financial income75/76B€2k€828▼
Recurring financial income75€2k€828▼
Financial charges65/66B€21k€19k▼
Recurring financial charges65€21k€19k▼
Non-recurring financial charges66B€0-
Profit (loss) for the period before taxes9903€258k€138k▼
Income taxes67/77€67k€35k▼
Profit (loss) for the period9904€191k€103k▼
Profit (loss) for the period to be appropriated9905€191k€103k▼
Appropriation of the result
Profit (loss) to be appropriated9906€191k€103k▼
Transfer to equity691/2-€103k
To other reserves6921-€103k
Profit to be distributed694/7€191k€0▼
Return on contributions (dividend)694€191k€0▼
Social balance
Average headcount (FTE)908712.410.8▼
The notes to these accounts (20 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €200kEq €230k ▲81.2%
8 profitable years in a row build equity to €230k.
08-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €191k ▲154%
Operating result €277k, net result €191k, both a record.
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €41k ▼70.3%
Net result drops to €41k, the lowest in the series; recovery starts the following year.
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
17-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 60 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Diksmuide · 1 establishment unit since 2016
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.
Pervijzestraat 728600 DiksmuideGround area
1,955 m²
Building footprint
151 m²
Volume, LiDAR
747 m³
Parcel 32018B0005/00T000, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CARPENTIER KENNETH
since 20162.256.112.211
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 32018B0005/00T000 | Flanders | 1,955 m² | 1 · 151 m² | 7.9 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 2025 · 7 entries · 51,004 EUR awarded · 51,004 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 16,613 EUR | 16,613 EUR |
| 2024 | 2 | 15,231 EUR | 15,231 EUR |
| 2023 | 1 | 10,511 EUR | 10,511 EUR |
| 2022 | 2 | 8,649 EUR | 8,649 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Dual-learning approval
3 live approvalsBinnenschrijnwerk en interieur duaal (so)
Interieurbouwer duaal (so)
Machinaal houtbewerker duaal (so)
Similar companies · same sector, comparable size
SYMETRIE
BE 0479.297.685
Soignies · Eq €230k
S.H. Concept Aménagement Intérieur
BE 0721.669.211
Namur · Eq €230k
DIRK VAN DE VELDE
BE 0453.708.788
Zwalm · Eq €230k
VMatic
BE 0743.909.430
Hooglede · Eq €230k
Bammens Interieur
BE 0643.705.955
Zonhoven · Eq €230k
Of 20,025 companies in sector 43320 we hold annual accounts for 9,136. 7,262 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-08-2016
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
68121Development of residential building projects
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.