Equity
€1.3m ▲ 8.4%
DE KEPPER has made a profit without a break since 2021.
DE KEPPER
Lifetime
19 annual accounts with figures on one time axis, 37 filings since 1989peak €2.9m (2017)
€342,651▼ 8.0%
lowest -€420,956 (2020)
€104,652▼ 8.7%
peak €1.5m (2015)
€1.3m▲ 8.4%
€2.8m▼ 7.0%
peak 1 FTE (2007)
-not published
Board6 names since 2020
2 directorsArtuur Consult and 1 other
Documentsfilings and deeds
29-05-202629 days late
2025abbreviated format
Cash from €19,253 to €48,745
Key points
from the 2025 annual accountsTurnover
≈ €1.8m estimated
The abbreviated format states no turnover.
Investments
€31,662 0.2 × depreciation
Green is investment, beige is depreciation.
Liquidity
2.93 was 2.10 in 2024
Short-term debts fell from €471,627 to €343,324.
Filings
37 annual accounts since 1989
Three of the last ten came late. The 2025 accounts came latest: 29 days after the end of the period.
Position in the sector
€1.3m
More equity than 91% of companies in retail trade. Sector median €235,781 · 12,866 companies.
Checked score
94
Excellent
Financially stronger than 56% of small companies in retail trade (NACE 47)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.4% across 3,698 companies (NACE 47, small).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.2%▲ +0.1 percentage points vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.3%▲ +0.1 percentage points vs 03-2025
05-2025: 0.1%▼ -0.2 percentage points vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.2%▲ +0.1 percentage points vs 03-2026
05-2026: 0.3%▲ +0.1 percentage points vs 04-2026highest value
06-2026: 0.1%▼ -0.2 percentage points vs 05-2026lowest value
07-2026: 0.1%● unchanged vs 06-2026lowest value
08-2026: 0.1%● unchanged vs 07-2026lowest value
09-2026: 0.1%● unchanged vs 08-2026lowest value
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Liquidity: current ratio 2.93, cash €48,745
lowers risk
Size: total assets €4.1m
Founded in 1989
Figures for financial year 2025 (filed on 29-05-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, small). It does better than 52% of them on solvency, 67% on liquidity, 42% on profitability and 63% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-09-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 14,766 companies had the same profile as DE KEPPER has now. Each dot stands for 37 companies, two years later.
96.2%
were still trading
3.5%
stopped another way
0.2%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of DE KEPPER itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 14,766 companies, not a prediction for DE KEPPER. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €120,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.93 (2.1 in 2024), above the usual 1.5. Short-term debt is 8.3% and cash 1.2% of total assets. However, 67.4% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · A punctual record breaks
This company filed 6 consecutive financial years on time. The year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-05-2026, 29 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
29 days late
2024
8 days early
2023
1 day early
2022
5 days early
2021
1 day early
2020
on the day
2019
6 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 1 day after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 29 April (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end10-11-2026 today30-04-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0436608084
1 director appointed, 2 reappointments
Reappointments: BERT CONSULT and ARTUUR CONSULT · Permanent representatives: DE KEPPER Robert and DE KEPPER Artuur · Appointment: BERT CONSULT (managing director) · General meeting of 13-12-2023 · Gazette deed
2 directors appointed, 2 resignations
Resignations: Robert De Kepper (managing director) and Artuur De Kepper · Appointments: BV Bert Consult (managing director) and BV Artuur Consult · Permanent representatives: Robert De Kepper and Artuur De Kepper · General meeting of 15-07-2022 · Gazette deed
Registered office moved from Knokke-Heist to Putte
New registered office: Mechelbaan 612, 2580 Putte · Previous registered office: Natiënlaan 265 te 8300 Knokke-Heist · Board meeting of 01-01-2022 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| DE KEPPER Putte | €4.1m | €342,651 | 32.6% | - |
| SENSA INTERIEUR Riemst | €3.9m | €446,012 | 77.8% | 4.1 |
| T.N.C. Hasselt | €4.1m | €284,938 | 4.6% | - |
| NOORDKAAP Putte | €3.4m | €548,591 | 99.9% | 0.6 |
| DE KRAKER Turnhout | €3.5m | €502,313 | 23.5% | 9.6 |
| FITO LEUVEN Leuven | €3.9m | €264,347 | 77.0% | 0 |
| MARCAM Sint-Gillis-Waas | €3.5m | €272,190 | 10.4% | - |
These companies have the same main activity as DE KEPPER: retail sale of household furniture (NACE 47551). They are comparable in size and age: total assets between €3.4m and €4.1m, founded between 1983 and 1994.
Official details
Source: KBO- Status
- Active since 19-01-1989Normal situation
- Activity
- Retail sale of household furnitureNACE 47551and 2 others
- Establishment unit
- 2.111.922.5032580 Putte, since 20-12-2002
- Financial year end
- 30 September
- Peppol
- Reachable since 03-10-2025
Insights on DE KEPPER
DE KEPPER files the abbreviated format. That format states no turnover. The gross margin rose from €136,190 in 2007 to €342,651 in 2025.
The balance sheet grew most from 2021 to 2022 through fixed assets, financed with long-term debt.
In March 2023, the Official Gazette published the appointment of BERT CONSULT as managing director.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about DE KEPPER
- What is the company number of DE KEPPER?
- The company number of DE KEPPER is 0436.608.084. The VAT number is the same number with BE in front: BE 0436.608.084.
- Where is DE KEPPER based?
- The registered office is at Mechelbaan 612, 2580 Putte.Company details
- What does DE KEPPER do?
- According to the KBO register, the main activity is retail sale of household furniture (NACE 47551).
- What is the legal form of DE KEPPER?
- DE KEPPER is a public limited company (NV).
- When was DE KEPPER founded?
- DE KEPPER was founded on 19-01-1989.
- Is DE KEPPER still active?
- Yes, DE KEPPER is an active enterprise in the KBO register.
- How many employees does DE KEPPER have?
- DE KEPPER had an average of 1 full-time equivalents in financial year 2019, according to the filed annual accounts.Financials
- What is the turnover of DE KEPPER?
- The turnover in financial year 2025 is ≈ €1.8m. This figure is estimated from the gross margin of €342,651 and 31 comparable companies (NACE 475). It probably lies between €1.1m and €2.8m.
- Is DE KEPPER profitable?
- In financial year 2025, DE KEPPER made a profit of €104,652.
- Where can I find the annual accounts of DE KEPPER?
- DE KEPPER filed 37 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of DE KEPPER due?
- DE KEPPER must file the annual accounts for financial year 2026 by 30-04-2027.Timeline
Next steps
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