DE TENDER

Active

Private limited companyfounded 1984active for 42 yearsNieuwe Baan 68, 9111 Sint-Niklaas, BelgiumKBO/BCE: BE 0425.355.787

From the official registers: KBO 42 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

DE TENDER has been active since 1984 and the Belgian Official Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €456,461 and a net result of €93,104. Equity is shrinking by about 15% per year across the filed financial years. Its solvency ranks better than 9% of 338 sector peers (NACE 43, financial year 2026). The computed 12-month bankruptcy probability is 0.5% (very low).

Risk analysisFollow Report Compare

DE TENDERActiveChecked score 81/100

Risk analysis Report Compare

Official details

KBO

Status: Active since 10-02-1984 Normal situation
Legal form: Private limited company
Registered office: Nieuwe Baan 68, 9111 Sint-Niklaas
Activity: Joinery installation NACE 43320and 4 others
Establishment unit: 2.024.175.214 9111 Sint-Niklaas, since 10-02-1984
Financial year end: 31 March
Peppol: Reachable

Company details

Who decides

Board

Coelembier HoldingDirector · permanent representative Jan DEJONGHE
CYJELADirector · permanent representative Anthony TOMBEUR
COCREATEDirector · permanent representative Joeri DE TENDER
MajoliceDirector · permanent representative Olivier Tombeur
PamicoDirector · permanent representative Amaury Vanparys

Shareholders

Coelembier Holding100%annual accounts 31-03-2026

Board & ownership

How it is doing

81 Excellent Checked score 2026

Bankruptcy probabilitywithin 12 months: 0.5%

Annual accounts to 31-03-2026

Gross margin: €2.7m; ▲ 21.4%
Turnover: ≈ €7.7m; estimated
Profit: €93,104
Equity: €456,461; ▲ 17.5%
Total assets: €4.8m; ▼ 2.1%
Staff: 31.7 FTE; ▲ 12.4%

2026 accounts 57 days early

Filed on 04-09-2026at the National Bank

Financials

Why 81raises riskEquity €456,461 (9.4% of total assets)Sector: Specialised construction activities (NACE 43)lowers riskLiquidity: current ratio 1.84, cash €600,008Size: 31.7 FTE, total assets €4.8mShow the evidence

Checked score

Score 2026

81 / 100

Excellent

Probability in this band: under 0.55%

Financially better than 39% of its sector peers (NACE 43, small)

Every signal that counts is listed under Signals.

Financial strength · tick = 2025

Average

Solvency 34+1

equity 9.4% of total assets

Liquidity 40+29

short-term debt 50.6% · cash 12.4%

Profitability 64+24

return on assets 1.9%

Bankruptcy probability, 12 months

0.5% Very low

0%0.5%1.5%4%10%≥ 25%

About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.3% (2,649 companies, NACE 43, small)

Last 24 months 11-2024: 0.7% 12-2024: 0.7%● unchanged vs 11-2024 01-2025: 0.7%● unchanged vs 12-2024 02-2025: 0.7%● unchanged vs 01-2025 03-2025: 0.7%● unchanged vs 02-2025 04-2025: 0.7%● unchanged vs 03-2025 05-2025: 0.7%● unchanged vs 04-2025 06-2025: 0.7%● unchanged vs 05-2025 07-2025: 0.8%▲ +0.1 percentage points vs 06-2025 08-2025: 0.8%● unchanged vs 07-2025 09-2025: 0.8%● unchanged vs 08-2025 10-2025: 0.8%● unchanged vs 09-2025 11-2025: 0.8%● unchanged vs 10-2025 12-2025: 0.8%● unchanged vs 11-2025 01-2026: 0.8%● unchanged vs 12-2025 02-2026: 0.8%● unchanged vs 01-2026 03-2026: 0.8%● unchanged vs 02-2026 04-2026: 0.8%● unchanged vs 03-2026 05-2026: 0.8%● unchanged vs 04-2026 06-2026: 0.8%● unchanged vs 05-2026 07-2026: 0.8%● unchanged vs 06-2026 08-2026: 0.8%● unchanged vs 07-2026 09-2026: 0.9%▲ +0.1 percentage points vs 08-2026highest value 10-2026: 0.5%▼ -0.4 percentage points vs 09-2026lowest value

Credit of up to €35,000 on 30-day terms is acceptable

Liquidity ample (current ratio 1.84, compared with 0.99 in 2025, above the usual 1.5; short-term debt: 50.6% and cash: 12.4% of total assets), but 90.6% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 43, small): better than 10% on solvency, 41% on liquidity, 33% on profitability and 73% on growth.

The bankruptcy probability was computed on 31-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.

lowers riskraises riskneutral

Equity €456,461 (9.4% of total assets)

NBB · annual accounts

Sector: Specialised construction activities (NACE 43)

KBO

Liquidity: current ratio 1.84, cash €600,008

NBB · annual accounts

Size: 31.7 FTE, total assets €4.8m

Companies of this size fail less often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 338 sector peers (2026).

NBB · sector comparison

Position among 338 sector peers

Solvency

better than 9%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 04-09-2026, 57 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2026

57 days early

2025

43 days early

2024

8 days early

2023

28 days early

2021

9 days late

2020

23 days late

2019

24 days early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 18 days before the deadline; the sector median (NACE 43) for financial year 2024 is 1 day before the deadline, and 43% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today. The company usually files around 26 September (4 of the last 4 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

01-11-2026 today31-03-2027 year end31-10-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

Key points

Positive: Back in profit in 2026after -€41,734 in 2025 €93,104 View
Caution: Among the weakest 9% on solvencysector median 51.0% · 338 companies 9.4% View
Positive: Filed on time since financial year 2023accounts within the deadline every year 4 years View

Documents

Key facts about DE TENDER

What is the company number of DE TENDER?: 0425.355.787. In Belgium the VAT number is the company number with BE in front: BE 0425.355.787.
Where is DE TENDER based?: The registered office is at Nieuwe Baan 68, 9111 Sint-Niklaas.Company details
What does DE TENDER do?: According to the KBO register, the main activity is joinery installation (NACE 43320).
What is the legal form of DE TENDER?: Private limited company (BV).
When was DE TENDER founded?: On 10-02-1984.
Is DE TENDER still active?: Yes, DE TENDER is an active enterprise in the KBO register.
How many employees does DE TENDER have?: On average 31.7 full-time equivalents in financial year 2026, according to the filed annual accounts.Financials
What is the turnover of DE TENDER?: ≈ €7.7m in financial year 2026. Estimated from the gross margin of €2.7m: probably between €5.9m and €10.0m, based on 68 comparable companies, NACE 43. In financial year 2023 turnover was €14.9m.
Is DE TENDER profitable?: In financial year 2026, DE TENDER made a profit of €93,104.
Where can I find the annual accounts of DE TENDER?: DE TENDER filed 42 annual accounts with the National Bank of Belgium, the latest for financial year 2026.Annual accounts at the National Bank
When are the next annual accounts of DE TENDER due?: By 31-10-2027, for financial year 2027.Timeline