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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 has been shrinking by about 15% per year since 2018. 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).

Overview

Official details

KBO
Status
Active since 10-02-1984 Normal situation
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

Board and ownership

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

Financial position

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%
Filed on 04-09-2026, 57 days before the deadlineat the National Bank
Score breakdownraises 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 stronger than 39% of small companies in specialised construction (NACE 43)
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 within 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 is ample, with a current ratio of 1.84 (0.99 in 2025), above the usual 1.5. Short-term debt is 50.6% and cash 12.4% of total assets. However, 90.6% of the assets are financed with debt and provisions.
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 43, small). It does better than 10% of them 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. 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).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises riskneutral
raises risk · Equity €456,461 (9.4% of total assets)
NBB · annual accounts
raises risk · Sector: Specialised construction activities (NACE 43)
KBO
lowers risk · Liquidity: current ratio 1.84, cash €600,008
NBB · annual accounts
lowers risk · Size: 31.7 FTE, total assets €4.8m
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Weak solvency compared with the 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 →
neutral · 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

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

Searched, nothing found (2)
neutral · 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 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-03-2027 year end31-10-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Back in profit in 2026after a loss of €41,734 in 2025 €93,104 View
  • Caution: Lower solvency than 91% of companies in specialised constructionsector median 51.0% · 338 companies 9.4% View
  • Positive: Filed on time since financial year 2023accounts within the deadline every year 4 years View

Comparable companies

These companies have the same main activity as DE TENDER: joinery installation (NACE 43320). They are comparable in size and age: total assets between €4.2m and €6.9m, founded between 1977 and 1990.

CompanyTotal assetsGross margin
DE TENDER Sint-Niklaas€4.8m€2.7m
ROELANDT INTERIEURBOUW Zottegem€5.5m€2.5m
ADREM KEUKENS Eeklo€5.4m€2.6m
CHARPENTES HALLEUX Thimister-Clermont€5.0m€2.5m
DE LAERE DECOR Wevelgem€5.4m€3.0m
Van Hecke Ramen en Deuren Aalst€6.9m€3.0m
SMET KONSTRUKT Zulte€4.2m€1.7m
Full comparison

Documents

Annual accounts at the NBB

All 42 annual accounts

Articles and registers

Key facts about DE TENDER

What is the company number of DE TENDER?
The company number of DE TENDER is 0425.355.787. The VAT number is the same 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?
The legal form of DE TENDER is Private limited company (BV).
When was DE TENDER founded?
DE TENDER was 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?
DE TENDER had an average of 31.7 full-time equivalents in financial year 2026, according to the filed annual accounts.Financials
What is the turnover of DE TENDER?
The turnover in financial year 2026 is ≈ €7.7m. This figure is estimated from the gross margin of €2.7m and 68 comparable companies (NACE 43). It probably lies between €5.9m and €10.0m. 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?
DE TENDER must file the annual accounts for financial year 2027 by 31-10-2027.Timeline

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