DE KAMENIER
ActiveDE KAMENIER has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €59k and a net result of €19k. Equity is growing by ~20.1% per year across the filed fiscal years. Its solvency ranks better than 40% of 26043 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
67
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability77▲+1
Solvency46=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity tight (current ratio 1.31 against 1.02 in 2023; short-term debt: 18.9% and cash: 16.4% of total assets), and 79.1% 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.
+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
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
20.9%
Return on assets
6.7%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 03-07-2025, 28 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
not confirmed
2024
28 d early
2023
6 d early
2022
32 d late
2021
31 d late
2020
31 d late
2019
14 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€59k▼ 8.5%
2023 · €65k
2018: €23k
2019: €31k
2020: €37k
2021: €75k
2022: €65k
2023: €65k
2018 → 2024
Total assets
€284k▼ 5.9%
2023 · €302k
2018: €43k
2019: €55k
2020: €316k
2021: €318k
2022: €298k
2023: €302k
2018 → 2024
Net result
€19k▲ 6.7%
2023 · €18k
2018: €-3k
2019: €8k
2020: €19k
2021: €39k
2022: €13k
2023: €18k
2018 → 2024
Working capital
€17k▲ 998%
2023 · €2k
2018: €21k
2019: €28k
2020: €-19k
2021: €92
2022: €-3k
2023: €2k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€37k-€75k▲ 101%€65k▼ 13.4%€65k=€59k▼ 8.5%
Operating result€24k-€47k▲ 93.9%€28k▼ 41.0%€34k▲ 22.7%€35k▲ 2.9%
Net result€19k-€39k▲ 104%€13k▼ 67.8%€18k▲ 41.6%€19k▲ 6.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 3% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €284k
Fixed assets
€214k▼ 6.4%
Current assets
€70k▼ 4.5%
Equity and liabilities €284k
Equity
€59k▼ 8.5%
Debt
€225k▼ 5.3%
The debt ratio rises from 78.5% to 79.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€50k▲
2023 · €49k
Cash flow
€34k▲
2023 · €33k
Solvency
20.9%▼
2023 · 21.5%
Current ratio
1.31▲
2023 · 1.02
Quick ratio
0.90▲
2023 · 0.74
Debt / equity
3.79▲
2023 · 3.66
ROE
32.1%▲
2023 · 27.5%
ROA
6.7%▲
2023 · 5.9%
Interest coverage
7.61▲
2023 · 7.18
Debt
€225k▼
2023 · €238k
Debt ≤ 1 year
€54k▼
2023 · €72k
Debt > 1 year
€156k▼
2023 · €165k
Income taxes
€10k▲
2023 · €10k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€302k€284k▼
Fixed assets21/28€229k€214k▼
Tangible fixed assets22/27€228k€213k▼
Land and buildings22€228k€213k▼
Other tangible fixed assets26€295€295=
Financial fixed assets28€805€805=
Current assets29/58€74k€70k▼
Stocks and contracts in progress3€21k€22k▲
Stocks30/36€21k€22k▲
Amounts receivable within one year40/41€9k€1k▼
Trade receivables40€2k€946▼
Other amounts receivable41€7k€166▼
Cash at bank and in hand54/58€41k€47k▲
Deferred charges and accrued income490/1€3k€576▼
Equity and liabilities
Total equity and liabilities10/49€302k€284k▼
Equity10/15€65k€59k▼
Contributions10/11€9k€9k=
Reserves13€56k€51k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€54k€49k▼
Amounts payable17/49€238k€225k▼
Amounts payable after more than one year17€165k€156k▼
Financial debts170/4€165k€156k▼
Amounts payable within one year42/48€72k€54k▼
Current portion of amounts payable after more than one year42€9k€9k▲
Trade debts44€12k€6k▼
Suppliers440/4€12k€6k▼
Taxes, remuneration and social security45€36k€38k▲
Taxes450/3€36k€38k▲
Other amounts payable47/48€15k€362▼
Accrued charges and deferred income492/3-€15k
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€15k=
Other operating charges640/8€4k€3k▼
Gross operating margin9900€52k€53k▲
Operating profit (loss)9901€34k€35k▲
Financial income75/76B€282€669▲
Recurring financial income75€282€669▲
Financial charges65/66B€7k€7k▼
Recurring financial charges65€7k€7k▼
Profit (loss) for the period before taxes9903€27k€29k▲
Income taxes67/77€10k€10k▲
Profit (loss) for the period9904€18k€19k▲
Profit (loss) for the period to be appropriated9905€18k€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€18k€19k▲
Transfer from equity791/2-€6k
Profit to be distributed694/7€18k€25k▲
Return on contributions (dividend)694€18k€25k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Highest result since 2018net €39k ▲104%
Operating result €47k, net result €39k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
09-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
07-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-06
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
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, Tielt · 1 establishment unit since 2015
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.
Kortrijkstraat 578700 TieltGround area
399 m²
Building footprint
227 m²
Volume, LiDAR
1,614 m³
Parcel 37015K0821/00C000, Flanders · tallest building 17.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DE KAMENIER
since 20152.244.704.417
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37015K0821/00C000 | Flanders | 398 m² | 1 · 227 m² | 17.5 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.
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Of 2,610 companies in sector 47551 we hold annual accounts for 1,718. 1,233 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-07-2015
Fiscal year end31-12
Activities, NACEBEL
47551Retail sale of household furniture
47591Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 9 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.