K & E

Active Risk: not assessed Private limited companyfounded 2007active for 19 yearsLichtenberglaan 2019, 3800 Sint-TruidenKBO/BCE: BE 0886.133.305 #2 company by total assets in Sint-Truiden

Heads the group K & E 12 companies in 7 countries

See the group

K & E

Financial year 2025

Follow Report Compare

Annual accounts 2025

full format, filed on 22-07-2026, 9 days before the deadline

€409.2m

▲ 0.8%

€411.3m

▲ 1.2%

€3.3m

▼ 66.9%

99.5%

▼ 0.3 percentage points

0.8%

▼ 1.7 percentage points

0.8%

▼ 1.7 percentage points

In the rankings #2 company by total assets in Sint-Truiden #2 company by equity in Sint-Truiden

Money flows

turnover is 34.5% of income in 2025

Balance sheet

balance sheet total €411.3m on 31-12-2025

What the company ownsHow it is paid for

in €m

in euro

Position in the sector

Compare with sector

99.5%

Higher than 95% of 3,042 companies in 2025.

0.8%

Higher than 42% of 3,034 companies in 2025.

K & E Middle half of the sector 80% of the sector Full accounts in financial services (NACE 64)

Net result: top quarter · Equity: top quarter · Balance sheet total: top quarter · Staff: top quarter

Staff

Men and women62% women

8.6 men and 14.3 women in full-time equivalents in 2025.

€95,884

Men €102,443, women €91,939 per full-time equivalent. Jobs differ, so this is not a pay gap.

+3 people

people who joined people who left

In 2025, 5 people joined and 2 left. Training hours in 2025: 1,405. Agency workers: 0.1 on average.

Filed annual accounts

as filed with the National Bank, click a year to choose it

Line	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2011	2010	2009	2008	2007
Balance sheet: assets
`20/58`	411.3m	406.6m	396.2m	394.9m	389.9m	387.0m	93.0m	87.5m	78.3m	71.3m	65.0m	50.5m	46.6m	41.8m	30.5m	30.3m	30.3m	29.9m
`21/28`	337.5m	314.4m	313.7m	313.4m	324.3m	323.1m	54.3m	52.7m	55.8m	51.8m	52.7m	44.2m	43.0m	30.1m	29.8m	29.8m	29.8m	29.7m
`22/27`	162,510	212,988	-	0	1,862	7,739	41,684	64,838	87,992	72,333	-	-	472	6,369	11,296	16,222	17,258	-
`23`	131,686	172,086	-	-	-	-	694	1,679	2,665	-	-	-	-	-	-	-	-	-
`24`	30,823	40,902	-	0	1,862	7,739	40,990	63,159	85,327	72,333	-	-	472	6,369	11,296	16,222	17,258	-
`28`	337.4m	314.2m	313.7m	313.4m	324.3m	323.1m	54.2m	52.6m	55.7m	51.7m	52.7m	44.2m	43.0m	30.1m	29.7m	29.7m	29.7m	29.7m
`280/1`	314.8m	314.2m	313.7m	313.4m	321.0m	319.6m	53.0m	51.4m	51.9m	48.0m	46.7m	41.2m	40.7m	-	-	-	-	-
`280`	313.1m	312.6m	312.1m	311.7m	315.1m	313.4m	46.1m	44.6m	44.2m	38.8m	39.6m	37.4m	37.1m	-	-	-	-	-
`281`	1.7m	1.6m	1.6m	1.6m	5.9m	6.2m	6.9m	6.7m	7.7m	9.2m	7.1m	3.9m	3.6m	-	-	-	-	-
`282/3`	-	-	-	0	968,795	968,795	1.2m	1.2m	1.2m	1.2m	1.6m	2.3m	2.3m	-	-	-	-	-
`282`	-	-	-	0	968,795	968,795	1.2m	1.2m	1.2m	1.2m	1.6m	2.3m	2.3m	-	-	-	-	-
`284/8`	22.6m	-	-	0	2.3m	2.5m	-	-	2.5m	2.5m	4.4m	687,731	-	-	-	-	-	-
`284`	22.6m	-	-	0	2.3m	2.5m	-	-	2.5m	2.5m	4.4m	687,731	-	-	-	-	-	-
`29/58`	73.7m	92.1m	82.5m	81.5m	65.6m	63.9m	38.7m	34.8m	22.5m	19.5m	12.3m	6.3m	3.6m	11.6m	758,169	531,724	512,112	179,628
`29`	9.7m	23.2m	11.0m	8.0m	7.1m	15.8m	-	-	-	-	-	-	-	-	-	-	-	-
`291`	9.7m	23.2m	11.0m	8.0m	7.1m	15.8m	-	-	-	-	-	-	-	-	-	-	-	-
`3`	-	5,148	91,813	217,529	95,208	58,391	216,587	21,323	37,420	15,801	64,008	51,642	21,443	-	-	-	-	-
`30/36`	-	5,148	91,813	217,529	95,208	58,391	216,587	21,323	37,420	15,801	64,008	51,642	21,443	-	-	-	-	-
`33`	-	5,148	91,813	217,529	95,208	-	-	-	-	-	-	-	-	-	-	-	-	-
`34`	-	-	-	-	0	58,391	216,587	21,323	37,420	15,801	64,008	51,642	21,443	-	-	-	-	-
`40/41`	3.0m	4.5m	2.5m	25.1m	17.5m	11.2m	1.8m	1.2m	511,628	492,180	814,728	607,336	2.1m	8.8m	172,242	37,735	25,503	37,510
`40`	758,582	710,316	283,914	380,498	400,862	45,485	266,400	185,939	138,245	205,810	325,000	223,388	185,145	169,403	125,242	37,735	-	37,510
`41`	2.2m	3.8m	2.2m	24.7m	17.1m	11.1m	1.6m	1.0m	373,383	286,370	489,728	383,948	1.9m	8.7m	47,000	-	25,503	-
`50/53`	60.1m	63.4m	67.7m	43.8m	34.9m	26.7m	15.4m	16.3m	15.9m	12.2m	3.0m	-	-	-	-	-	-	-
`51/53`	60.1m	63.4m	67.7m	43.8m	34.9m	26.7m	15.4m	16.3m	15.9m	12.2m	3.0m	-	-	-	-	-	-	-
`54/58`	346,354	552,658	462,990	4.3m	6.0m	10.1m	21.3m	17.3m	6.1m	6.8m	8.4m	5.6m	1.5m	159,118	584,304	493,512	486,609	141,903
`490/1`	533,209	441,214	768,488	143,961	76,455	27,050	1,173	1,161	1,156	-	-	-	-	2.7m	1,623	476	-	215
Balance sheet: equity and liabilities
`10/49`	411.3m	406.6m	396.2m	394.9m	389.9m	387.0m	93.0m	87.5m	78.3m	71.3m	65.0m	50.5m	46.6m	41.8m	30.5m	30.3m	30.3m	29.9m
`10/15`	409.2m	405.9m	395.8m	392.1m	389.2m	385.5m	89.3m	75.9m	77.1m	70.2m	64.1m	46.6m	40.8m	32.4m	30.4m	30.2m	30.0m	29.8m
`10/11`	23.6m	23.6m	23.6m	23.6m	23.6m	23.6m	20.7m	20.7m	29.7m	29.7m	29.7m	29.7m	29.7m	29.7m	29.7m	29.7m	29.7m	29.7m
`100`	-	-	-	-	-	-	20.7m	20.7m	29.7m	29.7m	29.7m	29.7m	29.7m	29.7m	29.7m	29.7m	29.7m	29.7m
`13`	2.1m	2.1m	2.1m	2.1m	2.1m	2.1m	2.1m	2.1m	2.4m	2.1m	1.7m	860,000	560,000	135,176	37,583	26,396	17,683	4,285
`130/1`	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-
`130`	-	-	-	-	-	-	2.1m	2.1m	2.4m	2.1m	1.7m	860,000	560,000	135,176	37,583	26,396	17,683	4,285
`1311`	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-
`133`	2.1m	2.1m	2.1m	2.1m	2.1m	2.1m	-	-	-	-	-	-	-	-	-	-	-	-
`14`	383.5m	380.2m	370.1m	366.3m	363.5m	359.8m	66.4m	53.1m	44.9m	38.4m	32.6m	16.0m	10.5m	2.5m	627,990	415,428	249,885	81,422
`17/49`	2.1m	673,637	380,625	2.8m	704,947	1.5m	3.7m	11.6m	1.2m	1.1m	900,867	3.9m	5.8m	9.4m	103,891	106,122	261,801	93,920
`17`	-	-	-	2.5m	-	-	-	-	-	-	102,577	2.2m	2.9m	8.2m	-	-	-	-
`170/4`	-	-	-	2.5m	-	-	-	-	-	-	102,577	2.2m	2.9m	8.2m	-	-	-	-
`173`	-	-	-	2.5m	-	-	-	-	-	-	-	-	-	-	-	-	-	-
`174`	-	-	-	-	-	-	-	-	-	-	102,577	2.2m	2.9m	-	-	-	-	-
`42/48`	2.1m	672,797	379,951	189,689	624,057	1.4m	3.7m	11.6m	1.2m	1.1m	798,290	1.7m	2.9m	1.1m	103,452	105,381	261,801	93,885
`44`	59,171	101,319	55,041	100,941	118,193	278,176	18,315	10,569	12,775	39,356	216,038	6,258	921	3,811	5,596	3,482	138,651	4,449
`440/4`	59,171	101,319	55,041	100,941	118,193	278,176	18,315	10,569	12,775	39,356	216,038	6,258	921	3,811	5,596	3,482	138,651	4,449
`45`	434,885	412,457	173,034	87,758	92,159	95,112	3.6m	2.4m	1.1m	940,376	481,104	1.1m	522,080	1.1m	87,961	91,126	90,210	73,007
`450/3`	-	24,449	-	0	12,766	1,048	3.4m	2.3m	914,396	749,654	378,413	1.0m	412,698	1.1m	47,734	86,302	90,210	68,879
`454/9`	434,885	388,008	173,034	87,758	79,393	94,064	183,796	161,943	180,728	190,722	102,692	118,918	109,382	63,396	40,227	4,824	-	4,128
`47/48`	1.6m	159,021	151,875	991	413,705	1.1m	109,232	9.2m	124,934	110,468	101,148	534,193	2.4m	15,633	9,895	10,773	32,940	16,429
`492/3`	-	840	674	130,815	80,890	37,733	815	-	275	-	-	-	-	99,710	439	741	-	35
Income statement
`70/76A`	3.0m	5.7m	1.9m	1.9m	1.5m	13.5m	13.2m	7.7m	7.5m	7.4m	7.1m	7.1m	8.0m	-	-	-	-	-
`70`	2.9m	5.8m	2.0m	1.8m	1.5m	13.4m	12.9m	7.4m	7.2m	7.3m	7.0m	7.0m	7.9m	-	-	-	-	-
`71`	-5,148	-101,753	-110,628	122,322	36,817	-	-	-	-	-	-	-	-	-	-	-	-	-
`74`	45,307	39,774	49,406	37,843	1,887	-	-	-	-	-	-	-	-	-	-	-	-	-
`76A`	-	-	-	0	16,491	270.4m	-	-	-	1.1m	1.9m	528	-	-	-	-	-	-
`9900`	-	-	-	-	-	-	-	-	-	-	-	-	-	3.3m	605,658	250,577	273,636	133,882
`60/66A`	3.3m	3.1m	2.2m	2.1m	1.5m	1.7m	2.4m	1.7m	1.7m	2.1m	1.5m	1.2m	1.5m	-	-	-	-	-
`60`	24,641	2,580	141,081	420,051	65,291	260,729	647,420	134,206	203,861	182,818	288,443	400,916	175,967	-	-	-	-	-
`600/8`	24,641	2,580	141,081	420,051	65,291	173,946	842,685	118,109	225,479	134,611	300,809	431,115	197,411	-	-	-	-	-
`609`	-	-	-	-	0	86,783	-195,264	16,097	-21,619	48,207	-12,366	-30,199	-21,443	-	-	-	-	-
`61`	992,558	1.0m	870,307	769,991	711,405	596,691	491,157	437,728	367,969	310,649	574,089	266,236	483,152	-	-	-	-	-
`62`	2.2m	2.0m	1.1m	873,442	729,835	779,724	1.3m	1.1m	1.1m	878,345	630,922	555,359	846,424	337,237	270,930	-	-	-
`630`	50,478	39,404	0	1,862	5,877	11,083	23,154	23,154	16,680	9,127	-	-	5,897	4,927	4,927	4,573	3,838	-
`631/4`	-	-15,088	15,088	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
`640/8`	38,744	39,370	37,731	18,713	3,548	2,634	3,450	3,784	2,830	755,845	1,232	3,392	2,893	2,425	1,685	1,734	1,299	-
`66A`	-	-	-	-	-	9.8m	-	-	-	-	-	-	-	-	-	-	-	-
`9901`	-321,109	2.7m	-260,698	-147,710	21,183	11.8m	10.8m	6.0m	5.8m	5.3m	5.6m	5.9m	6.5m	2.9m	328,117	244,270	268,499	133,882
`75/76B`	5.5m	8.6m	4.9m	4.1m	5.2m	276.9m	6.6m	4.4m	3.0m	2.5m	12.1m	2.0m	4.6m	156,692	4,283	14,019	9,398	692
`75`	5.5m	8.6m	4.9m	4.0m	4.1m	6.6m	6.6m	4.4m	3.0m	2.5m	12.1m	2.0m	4.6m	156,692	4,283	14,019	9,398	692
`750`	3.8m	7.0m	3.6m	3.4m	2.7m	6.4m	5.1m	2.6m	2.6m	2.1m	12.0m	2.0m	4.0m	-	-	-	-	-
`751`	1.5m	1.4m	1.2m	497,514	830,644	115,951	1.3m	338,004	267,872	209,670	53,831	36,679	226,690	-	-	-	-	-
`752/9`	256,983	172,758	165,678	105,228	651,128	1,679	164,928	1.4m	134,131	136,058	59,290	303	307,284	-	-	-	-	-
`76B`	-	-	-	42,368	1.1m	270.4m	-	-	-	-	-	-	-	-	-	-	-	-
`65/66B`	521,482	62,627	466,243	315,399	353,428	10.5m	316,625	286,115	-44,162	662,966	31,389	105,391	252,850	99,732	570	897	542	11
`65`	521,482	62,627	466,243	315,399	353,428	645,873	316,625	286,115	-44,162	662,966	31,389	105,391	252,850	99,732	570	897	542	11
`650`	40,122	26,098	28,440	7,373	3,219	4,848	7,335	7,194	6,584	5,233	9,856	105,330	252,642	-	-	-	-	-
`651`	352,577	-377,850	377,850	-278,048	106,685	-36,877	-40,396	104,256	-182,381	372,394	15,796	-	-	-	-	-	-	-
`652/9`	128,784	414,378	59,953	586,074	243,524	677,902	349,686	174,665	131,635	285,338	5,737	61	208	-	-	-	-	-
`66B`	-	-	-	-	0	9.8m	-	-	-	-	-	-	-	-	-	-	-	-
`9903`	4.7m	11.2m	4.2m	3.6m	4.9m	278.3m	17.1m	10.1m	8.9m	8.2m	19.6m	7.8m	10.8m	3.0m	331,830	257,392	277,355	134,564
`67/77`	1.4m	1.1m	491,546	747,500	1.2m	3.2m	3.7m	2.3m	2.1m	2.1m	2.1m	2.0m	2.4m	1.0m	108,080	83,137	90,821	48,856
`670/3`	1.4m	1.2m	491,546	747,500	1.2m	3.2m	3.7m	2.3m	2.1m	2.1m	2.1m	2.0m	2.4m	-	-	-	-	-
`77`	-	103,750	-	-	-	0	-	1,121	-	-	239	-	-	-	-	-	-	-
`9904`	3.3m	10.1m	3.7m	2.9m	3.7m	275.1m	13.4m	7.8m	6.9m	6.1m	17.5m	5.8m	8.4m	2.0m	223,749	174,256	186,535	85,708
`9905`	3.3m	10.1m	3.7m	2.9m	3.7m	275.1m	13.4m	7.8m	6.9m	6.1m	17.5m	5.8m	8.4m	2.0m	223,749	174,256	186,535	85,708
Appropriation of the result
`9906`	383.5m	380.2m	370.1m	366.3m	363.5m	360.4m	66.4m	52.7m	45.3m	38.7m	33.5m	16.3m	10.9m	2.6m	639,177	424,141	267,957	85,708
`14P`	380.2m	370.1m	366.3m	363.5m	359.8m	-	-	-	-	-	-	-	-	-	-	-	-	-
`791/2`	-	-	-	-	-	-	-	320,960	-	-	-	-	-	-	-	-	-	-
`792`	-	-	-	-	-	-	-	320,960	-	-	-	-	-	-	-	-	-	-
`691/2`	-	-	-	-	-	-	-	-	345,000	310,000	880,000	300,000	424,824	97,593	11,187	8,713	13,398	4,285
`6920`	-	-	-	-	-	-	-	-	345,000	310,000	880,000	300,000	424,824	97,593	11,187	8,713	13,398	4,285
`694/7`	-	-	-	-	0	600,000	-	-	-	-	-	-	-	-	-	-	4,674	-
`694`	-	-	-	-	0	600,000	-	-	-	-	-	-	-	-	-	-	-	-
`695`	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	4,674	-
Social balance sheet
`9087`	22.9	20.5	11.7	9	8.3	14.7	13.8	12.2	12.9	9.7	6	6	4.2	2.9	2	-	-	-
Men (FTE)`1003`	8.6	8.1	3.5	2	1.4	5.3	4.1	3.3	4.9	4.7	3	3	3	-	-	-	-	-
Women (FTE)`1003`	14.3	12.2	8.2	7	6.9	9.4	9.7	8.9	8	5	3	3	1.2	-	-	-	-	-
Agency workers`1501`	0.1	-	0.6	0.2	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Hours worked`1013`	37,180	32,548	18,783	13,897	13,662	16,355	21,777	12,504	18,728	16,090	10,228	9,841	13,550	5,116	3,443	-	-	-
Document	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF	PDF

The notes to these accounts have 61 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.

Source: Annual accounts 2025 at the NBB, filed on 22-07-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank

Financial year	Type	Filed	Reference	Document
31-12-2025	full format	22-07-2026	2026-00324225	PDF
31-12-2024	full format	03-07-2025	2025-00245490	PDF
31-12-2023	full format	28-06-2024	2024-00209751	PDF
31-12-2022	full format	25-07-2023	2023-00272857	PDF
31-12-2021	full format	29-07-2022	2022-20275215	PDF
31-12-2020	full format	02-07-2021	2021-31100594	PDF
30-04-2020	full format	25-11-2020	2020-72000279	PDF
30-04-2019	full format	29-11-2019	2019-75200288	PDF
30-04-2018	full format	29-11-2018	2018-73600266	PDF
30-04-2017	full format	30-11-2017	2017-71000316	PDF
30-04-2016	full format	09-11-2016	2016-67700379	PDF
30-04-2015	full format	26-10-2015	2015-65700413	PDF
30-04-2014	full format	30-10-2014	2014-66100048	PDF
30-04-2013	full format	29-11-2013	2013-67400522	PDF
30-06-2011	abbreviated format	02-02-2012	2012-02500152	PDF
30-06-2010	abbreviated format	14-02-2011	2011-03200437	PDF
30-06-2009	abbreviated format	01-02-2010	2010-03500077	PDF
30-06-2008	abbreviated format	02-02-2009	2009-03300310	PDF
30-06-2007	abbreviated format	08-01-2008	2008-01200093	PDF

Subsidies and aid

Flemish government 2024 to 2025, 2 entries, €1,384 awarded, €1,384 paid

Vlaams opleidingsverlof (VOV)

€1,384

Year	Entries	Awarded	Paid
2025	1	€447	€447
2024	1	€937	€937

Key figures and ratios

per financial year, computed from the annual accounts

2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2011	2010	2009	2008	2007
505,431	789,832	314,000	2.2m	3.0m	295.1m	1.4m	428,571	5.5m	244,706	5.9m	938,041	9.3m	375,627	0	3,537	21,095	29.7m
-206,303	89,668	-3.8m	-1.7m	-4.1m	-11.2m	4.0m	11.2m	-712,744	-1.6m	2.8m	4.1m	-	-425,186	90,792	6,903	344,706	-
-10.9%	46.0%	-13.1%	-8.3%	1.4%	88.5%	83.6%	80.9%	81.0%	72.9%	80.3%	84.2%	82.6%	-	-	-	-	-
99.5%	99.8%	99.9%	99.3%	99.8%	99.6%	96.0%	86.7%	98.4%	98.5%	98.6%	92.3%	87.5%	77.5%	99.7%	99.6%	99.1%	99.7%
0.8%	2.5%	0.9%	0.7%	0.9%	71.4%	15.0%	10.3%	8.9%	8.7%	27.3%	12.5%	20.7%	6.0%	0.7%	0.6%	0.6%	0.3%
0.8%	2.5%	0.9%	0.7%	0.9%	71.1%	14.4%	8.9%	8.7%	8.6%	26.9%	11.5%	18.1%	4.7%	0.7%	0.6%	0.6%	0.3%

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Social balance sheet

Item	31-12-2025	31-12-2024	31-12-2023	31-12-2022	31-12-2021
Employees at the balance-sheet date	25	22	15	10	9
full-time	17	15	12	7	7
part-time	8	7	3	3	2
in full-time equivalents	23.3	20.5	14.2	9.1	8.3
	22.9	20.3	11.7	9	8.3
On a permanent contract	25	22	15	10	9
Joined	5	9	6	7	3
Left	2	2	1	6	2
Agency workers, average number	0.1	-	0.6	0.2	-
Training hours	1,405	98	734	392	22

Source: social balance sheet in the 2021 to 2025 annual accounts

Overdue debts

tax and social security

Item	2025	2024	2023	2022	2021
Overdue tax debts	-	€24,449	-	-	-

Source: notes to the 2021 to 2025 annual accounts (statement of debts)

Investments

fixed assets acquired

Item	2025	2024	2023	2022	2021
Tangible fixed assets	-	€252,392	-	-	-
Financial fixed assets	€505,431	€537,440	€314,000	€2.2m	€3.0m
	€50,478	€39,404	€0	€1,862	€5,877

Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)

Insights on K & E

The operating result for 2025 is a loss of €321,109, after a profit of €2.7m in 2024. It is the lowest result since 2007.

Debt's share of the balance-sheet total rises from 0.2% to 0.5%. Equity and debt are higher.

Large changes and their cause

2021 Turnover -89%, Net result -99% on 2020. The previous financial year ran 8 months, this one 12.

Next steps

Work out how much credit to give this customer and on what payment terms.Credit check See what changed in the latest annual accounts.What changed

Annual accounts 2025

Money flows

Balance sheet

Change in equityin €m

Change in cashin euro

Position in the sector

Solvency99.5%

Return on assets0.8%

Staff

Men and women62% women

Staff cost per FTE€95,884

Joined and left+3 people

Filed annual accounts

Filings

Subsidies and aid

Flemish government 2024 to 2025, 2 entries, €1,384 awarded, €1,384 paid

Key figures and ratios

Social balance sheet

Overdue debts

Investments

Insights on K & E

Next steps

in €m

in euro

99.5%

0.8%

€95,884

+3 people