Result
€146,148 ▲ 233%
The result rose in 2025 from €43,858 to €146,148.
DE KERN
Lifetime
15 annual accounts with figures on one time axispeak €663,925 (2025)
€663,925▲ 40.9%
lowest -€137,961 (2023)
€146,148▲ 233%
peak €192,841 (2025)
€192,841▲ 313%
€601,421▲ 12.2%
peak 6.5 FTE (2024)
6.5 FTEunchanged
Board2 names since 2014
2 directorsMariposa Pequeña and 1 other
Owners
15%COSMOPROMIS
Documentsfilings and deeds
17-07-202614 days before the deadline
2025abbreviated format
Gross margin from €471,280 to €663,925Result from €43,858 to €146,148Equity from €46,693 to €192,841Cash from €15,998 to €248,819
Key points
from the 2025 annual accountsTurnover
≈ €1.6m estimated
The accounts state no turnover.
Debts
€601,421 74% of the balance sheet
Financial debts 52%Suppliers 31%Taxes and wages 5%Other 12%
Of this, €395,672 falls due within a year.
Staff
8 employees on 31-12-2025
In 2025, 6 people joined and 5 left.
Filings
15 annual accounts since 2011
Three of the last ten came late. The 2018 accounts came latest: 30 days after the end of the period.
Position in the sector
€146,148
Higher net result than 83% of companies in real estate. Sector median €9,997 · 11,290 companies.
Checked score
93
Excellent
Financially stronger than 76% of micro companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,625 companies (NACE 68, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.5%
01-2025: 2.5%● unchanged vs 12-2024
02-2025: 2.7%▲ +0.2 percentage points vs 01-2025
03-2025: 2.7%● unchanged vs 02-2025
04-2025: 2.6%▼ -0.1 percentage points vs 03-2025
05-2025: 2.5%▼ -0.1 percentage points vs 04-2025
06-2025: 2.4%▼ -0.1 percentage points vs 05-2025
07-2025: 2.9%▲ +0.5 percentage points vs 06-2025highest value
08-2025: 0.9%▼ -2.0 percentage points vs 07-2025
09-2025: 0.9%● unchanged vs 08-2025
10-2025: 0.9%● unchanged vs 09-2025
11-2025: 0.9%● unchanged vs 10-2025
12-2025: 0.9%● unchanged vs 11-2025
01-2026: 0.9%● unchanged vs 12-2025
02-2026: 0.9%● unchanged vs 01-2026
03-2026: 0.9%● unchanged vs 02-2026
04-2026: 0.9%● unchanged vs 03-2026
05-2026: 0.9%● unchanged vs 04-2026
06-2026: 0.9%● unchanged vs 05-2026
07-2026: 1.0%▲ +0.1 percentage points vs 06-2026
08-2026: 0.2%▼ -0.8 percentage points vs 07-2026lowest value
09-2026: 0.2%● unchanged vs 08-2026lowest value
10-2026: 0.2%● unchanged vs 09-2026lowest value
11-2026: 0.2%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Size: 6.5 FTE, total assets €816,049
5 establishment units
lowers risk
Liquidity: current ratio 1.44, cash €248,819
Profit of €146,148 (financial year 2025)
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 68, micro). It does better than 43% of them on solvency, 75% on liquidity, 86% on profitability and 97% on growth.
The bankruptcy probability was computed on 08-11-2026 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 31-12-2025.
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, 5,053 companies had the same profile as DE KERN has now. Each dot stands for 13 companies, two years later.
95.9%
were still trading
2.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of DE KERN itself is lower: 0.2% within 12 months. It rests on far more data about DE KERN than the profile alone.
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 5,053 companies, not a prediction for DE KERN. 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 €17,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.44 (1.52 in 2024), below the usual 1.5. Short-term debt is 48.5% and cash 30.5% of total assets. 76.4% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 days early
2024
3 days early
2023
1 day early
2022
5 days early
2021
24 days early
2020
23 days early
2019
1 day 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 10 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 26 July (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
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- COSMOPROMIS 15%score 70equity €45,195 (2025) · 2025 annual accounts of COSMOPROMIS
Recent changes
Company renamed from ERA DE KERN to DE KERN
Board meeting of 02-01-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0820397888
2 establishments registered
Antwerp and Schoten
Changes of role: Cosmopromis (director) and Mariposa Pequeña (director)
Director discharge: Cosmopromis · Director discharge: Mariposa Pequeña · General meeting of 28-12-2023 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| DE KERN Antwerp | €816,049 | €663,925 | 23.6% | 6.5 |
| IMMO VASTA Antwerp | €932,571 | €606,933 | 31.9% | 6.2 |
| Vastgoedservice MG Mol | €846,044 | €642,724 | -57.8% | 5.8 |
| VIJFHOEK Mechelen | €774,464 | €696,813 | 21.2% | 6.9 |
| J.VAN GASTEL Schoten | €757,076 | €481,120 | 1.5% | 6.8 |
| LABEL IMMO Huy | €654,535 | €525,282 | 10.9% | 7 |
| J&J Properties Woluwe-Saint-Pierre | €887,440 | €465,581 | 29.1% | 7.9 |
These companies have the same main activity as DE KERN: real estate agency activities (NACE 68310). They are comparable in size and age: total assets between €655,000 and €933,000, founded between 2005 and 2013.
Official details
Source: KBO- Status
- Active since 09-11-2009Normal situation
- Activity
- Real estate agency activitiesNACE 68310
- Establishment units
- 2.182.734.2832610 Antwerp, since 01-10-2009
- 2.315.737.4182530 Boechout, since 01-01-2021and 3 others
- Financial year end
- 31 December
- Peppol
- Reachable since 19-11-2025
Annual accounts 2025
- €816,049▲ 35.0%
- Employeeson 31-12-2025
- 8▲ 14.3%
- Filing
- Filed on 17-07-2026, 14 days before the end of the filing period
Insights on DE KERN
DE KERN files the abbreviated format. That format states no turnover. The gross margin rose from €104,563 in 2011 to €663,925 in 2025.
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 KERN
- What is the company number of DE KERN?
- The company number of DE KERN is 0820.397.888. The VAT number is the same number with BE in front: BE 0820.397.888.
- Where is DE KERN based?
- The registered office is at Heistraat 73, 2610 Antwerp.Company details
- What does DE KERN do?
- According to the KBO register, the main activity is real estate agency activities (NACE 68310).
- What is the legal form of DE KERN?
- DE KERN is a private limited company (BV).
- When was DE KERN founded?
- DE KERN was founded on 09-11-2009.
- Is DE KERN still active?
- Yes, DE KERN is an active enterprise in the KBO register.
- How many employees does DE KERN have?
- DE KERN had an average of 6.5 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of DE KERN?
- The turnover in financial year 2025 is ≈ €1.6m. This figure is estimated from the gross margin of €663,925 and 30 comparable companies (NACE 683). It probably lies between €1.1m and €2.1m.
- Is DE KERN profitable?
- In financial year 2025, DE KERN made a profit of €146,148.
- Where can I find the annual accounts of DE KERN?
- DE KERN filed 15 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of DE KERN due?
- DE KERN must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check See which support similar companies received that this one did not.Subsidies Compare this company with its sector.Sector benchmark
See how customers, suppliers and banks see your own company and what to improve first.