De Kempeneer BV
ActiveDe Kempeneer BV has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €65k and a net result of €22k. Its solvency ranks better than 44% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability90▼-10
Solvency74▲+14
Growth52
Track record82
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 1.88 against 0.85 in 2024; short-term debt: 47.3% and cash: 2.3% of total assets), but 50.7% 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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
49.3%
Return on assets
16.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filingsDeviation from the deadline
2025
19 d late
2024
21 d early
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€65k▲ 51.6%
2024 · €43k
2024: €43k
2024 → 2025
Total assets
€131k▲ 8.1%
2024 · €121k
2024: €121k
2024 → 2025
Net result
€22k▼ 45.2%
2024 · €40k
2024: €40k
2024 → 2025
Working capital
€54k
2024 · €-7k
2024: €-7k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€43k-€65k▲ 51.6%
Operating result€54k-€32k▼ 40.2%
Net result€40k-€22k▼ 45.2%
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 40% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €131k
Fixed assets
€14k▼ 82.0%
Current assets
€116k▲ 183%
Equity and liabilities €131k
Equity
€65k▲ 51.6%
Debt
€66k▼ 15.5%
The debt ratio falls from 64.8% to 50.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€35k▼
2024 · €69k
Cash flow
€25k▼
2024 · €56k
Solvency
49.3%▲
2024 · 35.2%
Current ratio
1.88▲
2024 · 0.85
Quick ratio
1.88▲
2024 · 0.83
Debt / equity
1.03▼
2024 · 1.84
ROE
34.0%▼
2024 · 94.1%
ROA
16.8%▼
2024 · 33.1%
Interest coverage
16.19▼
2024 · 26.02
Debt
€66k▼
2024 · €78k
Debt ≤ 1 year
€62k▲
2024 · €49k
Debt > 1 year
€4k▼
2024 · €30k
Income taxes
€8k▼
2024 · €11k
Staff costs
€952
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€121k€131k▲
Fixed assets21/28€80k€14k▼
Tangible fixed assets22/27€80k€14k▼
Furniture and vehicles24€69k€5k▼
Other tangible fixed assets26€11k€9k▼
Current assets29/58€41k€116k▲
Amounts receivable after more than one year29-€60k
Other amounts receivable291-€60k
Stocks and contracts in progress3€702€0▼
Stocks30/36€702€0▼
Amounts receivable within one year40/41€19k€30k▲
Trade receivables40€19k€26k▲
Other amounts receivable41€317€4k▲
Current investments50/53-€23k
Cash at bank and in hand54/58€18k€3k▼
Deferred charges and accrued income490/1€3k€0▼
Equity and liabilities
Total equity and liabilities10/49€121k€131k▲
Equity10/15€43k€65k▲
Contributions10/11€3k€3k=
Reserves13€40k€62k▲
Distributable reserves133€40k€62k▲
Amounts payable17/49€78k€66k▼
Amounts payable after more than one year17€30k€4k▼
Financial debts170/4€30k€4k▼
Amounts payable within one year42/48€49k€62k▲
Current portion of amounts payable after more than one year42€25k€26k▲
Financial debts43€2k€31▼
Credit institutions430/8€2k€31▼
Trade debts44€6k€4k▼
Suppliers440/4€6k€4k▼
Taxes, remuneration and social security45€14k€30k▲
Taxes450/3€14k€30k▲
Other amounts payable47/48€2k€2k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€952
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€3k▼
Other operating charges640/8€3k€1k▼
Non-recurring operating charges66A-€8k
Gross operating margin9900€72k€46k▼
Operating profit (loss)9901€54k€32k▼
Financial income75/76B€360€301▼
Recurring financial income75€360€301▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€51k€30k▼
Income taxes67/77€11k€8k▼
Profit (loss) for the period9904€40k€22k▼
Profit (loss) for the period to be appropriated9905€40k€22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€40k€22k▼
Transfer to equity691/2€40k€22k▼
To other reserves6921€40k€22k▼
The notes to these accounts (10 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
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 19 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 1.88
Current ratio from 0.85 to 1.88.
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2024
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.
Verrebroekstraat(VER) 79130 Beveren-Kruibeke-ZwijndrechtGround area
592 m²
Building footprint
183 m²
Volume, LiDAR
969 m³
Parcel 46027C0856/00V000, Flanders · tallest building 10.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
De Kempeneer
since 20242.354.118.635
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46027C0856/00V000 | Flanders | 592 m² | 1 · 183 m² | 10.0 m · 1 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
2025 · 1 entry · 322 EUR awarded · 322 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 322 EUR | 322 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
Ehras Consulting
BE 0792.714.088
Wijnegem · Eq €65k
PARFINANS
BE 0508.608.315
Ukkel · Eq €65k
NOMAD NOMAD
BE 0751.627.165
Gent · Eq €65k
STRATEGOS CONSULTING
BE 0681.513.882
Ukkel · Eq €65k
Tuuki
BE 1002.414.232
Ottignies-Louvain-la-Neuve · Eq €65k
Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 39,312 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-01-2024
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
45194
46341Wholesale of wines and spirits
46713Wholesale trade
47551Retail sale of household furniture
47591Retail trade
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 2 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.