KADDOURI
ActiveSummary
KADDOURI has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €231k and a net result of €-3k. Equity is growing by ~2.6% per year across the filed fiscal years. Its solvency ranks better than 59% of 36375 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability46▼-22
Solvency80▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days only on tighter terms
Liquidity ample (current ratio 2.66 against 2.79 in 2023; short-term debt: 28.3% and cash: 6.7% of total assets), and 45.4% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
54.6%
Return on assets
-0.6%
Age of the figures
21 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 15-12-2025, 137 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
137 d late
2023
153 d late
2022
34 d early
2021
31 d late
2020
18 d early
2019
31 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-3k▼ 41.1%
2023 · €-2k
Working capital
€199k▼ 3.3%
2023 · €206k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€9k€4k▼ 55.0%€49k▲ 1,160%€870▼ 98.2%€12k▲ 1,316%
Net result€8k€-73€46k€-2k€-3k▼ 41.1%
Equity€190k▲ 4.5%€190k=€236k▲ 24.0%€234k▼ 0.8%€231k▼ 1.1%
Total assets€340k▼ 11.4%€408k▲ 19.9%€431k▲ 5.7%€450k▲ 4.4%€424k▼ 5.9%
Debt€150k▼ 25.7%€218k▲ 45.1%€195k▼ 10.3%€216k▲ 10.7%€192k▼ 11.1%
Working capital€164k▼ 1.1%€161k▼ 2.2%€207k▲ 29.1%€206k▼ 0.7%€199k▼ 3.3%
Staff (FTE)2.2▼ 24.1%2.8▲ 27.3%3.3▲ 17.9%2.5
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 1,316% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €424k
Fixed assets
€105k ▼ 19.0%
Current assets
€319k ▼ 0.6%
Equity and liabilities €424k
Equity
€231k ▼ 1.1%
Debt
€192k ▼ 11.1%
Debt's share of the balance-sheet total falls from 48.0% to 45.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€37k▲
2023 · €21k
Cash flow
€22k▲
2023 · €18k
Current ratio
2.66▼
2023 · 2.79
Quick ratio
2.13▼
2023 · 2.24
Debt to equity
0.83▼
2023 · 0.92
ROE
-1.1%▼
2023 · -0.8%
ROA
-0.6%▼
2023 · -0.4%
Interest coverage
3.35▼
2023 · 30.69
Debt ≤ 1 year
€120k▲
2023 · €115k
Debt > 1 year
€73k▼
2023 · €101k
Income taxes
€4k▲
2023 · €2k
Staff costs
€51k▲
2023 · €35k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €37k | €30k | €35k | €51k | ▲ 44.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7k | €12k | €12k | €20k | €25k | ▲ 22.0% |
| Other operating charges640/8 | - | €4k | €1k | €7k | €3k | ▼ 57.9% |
| Gross operating margin9900 | €67k | €57k | €93k | €63k | €91k | ▲ 44.0% |
| Operating profit (loss)9901 | €9k | €4k | €49k | €870 | €12k | ▲ 1,316% |
| Financial income75/76B | - | - | €7 | €9 | €118 | ▲ 1,242% |
| Recurring financial income75 | - | - | €7 | €9 | €118 | ▲ 1,242% |
| Financial charges65/66B | - | €4k | €4k | €687 | €11k | ▲ 1,508% |
| Recurring financial charges65 | €448 | €4k | €4k | €687 | €11k | ▲ 1,508% |
| Profit (loss) for the period before taxes9903 | €8k | €-73 | €45k | €192 | €1k | ▲ 628% |
| Income taxes67/77 | - | - | €-444 | €2k | €4k | ▲ 96.0% |
| Profit (loss) for the period9904 | €8k | €-73 | €46k | €-2k | €-3k | ▼ 41.1% |
| Profit (loss) for the period to be appropriated9905 | €8k | €-73 | €46k | €-2k | €-3k | ▼ 41.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €340k | €408k | €431k | €450k | €424k | ▼ 5.9% |
| Fixed assets21/28 | €82k | €96k | €89k | €130k | €105k | ▼ 19.0% |
| Tangible fixed assets22/27 | €79k | €94k | €87k | €127k | €103k | ▼ 19.4% |
| Land and buildings22 | - | €73k | €71k | €64k | €57k | ▼ 11.3% |
| Furniture and vehicles24 | - | €21k | €16k | €64k | €46k | ▼ 27.4% |
| Financial fixed assets28 | €2k | €2k | €2k | €2k | €2k | = |
| Current assets29/58 | €259k | €312k | €342k | €321k | €319k | ▼ 0.6% |
| Stocks and contracts in progress3 | - | €22k | €63k | €63k | €63k | = |
| Stocks30/36 | - | €22k | €63k | €63k | €63k | = |
| Amounts receivable within one year40/41 | €232k | €231k | €201k | €219k | €224k | ▲ 2.2% |
| Trade receivables40 | - | €212k | €189k | €207k | €219k | ▲ 5.7% |
| Other amounts receivable41 | - | €19k | €12k | €12k | €5k | ▼ 57.4% |
| Cash at bank and in hand54/58 | €22k | €58k | €78k | €37k | €29k | ▼ 23.6% |
| Deferred charges and accrued income490/1 | - | - | - | €914 | €3k | ▲ 230% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €340k | €408k | €431k | €450k | €424k | ▼ 5.9% |
| Equity10/15 | €190k | €190k | €236k | €234k | €231k | ▼ 1.1% |
| Contributions10/11 | - | €6k | €6k | €6k | €6k | = |
| Reserves13 | €232k | €232k | €232k | €232k | €232k | = |
| Non-distributable reserves130/1 | - | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | - | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | - | €230k | €230k | €230k | €230k | = |
| Profit (loss) carried forward14 | €-48k | €-48k | €-2k | €-4k | €-7k | ▼ 65.6% |
| Amounts payable17/49 | €150k | €218k | €195k | €216k | €192k | ▼ 11.1% |
| Amounts payable after more than one year17 | €55k | €67k | €61k | €101k | €73k | ▼ 28.4% |
| Financial debts170/4 | - | €67k | €61k | €101k | €73k | ▼ 28.4% |
| Amounts payable within one year42/48 | €95k | €151k | €135k | €115k | €120k | ▲ 4.2% |
| Current portion of amounts payable after more than one year42 | - | €12k | €4k | €4k | €21k | ▲ 425% |
| Trade debts44 | €40k | €82k | €111k | €90k | €86k | ▼ 3.9% |
| Suppliers440/4 | - | €82k | €111k | €90k | €86k | ▼ 3.9% |
| Taxes, remuneration and social security45 | - | €57k | €19k | €21k | €8k | ▼ 61.0% |
| Taxes450/3 | - | €2k | €2k | €4k | €3k | ▼ 19.7% |
| Remuneration and social security454/9 | - | €55k | €17k | €17k | €5k | ▼ 70.0% |
| Other amounts payable47/48 | - | - | - | - | €5k | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €8k | €-73 | €46k | €-2k | €-3k | ▼ 41.1% |
| + Depreciation and write-downs630 | €7k | €12k | €12k | €20k | €25k | ▲ 22.0% |
| Operating cash flow (approximation) | €15k | €12k | €58k | €18k | €22k | ▲ 20.0% |
| Investment in fixed assets (approximation) | - | €-27k | €-5k | €-61k | €0 | ▲ 100% |
| Change in cash | - | €36k | €20k | €-41k | €-9k | ▲ 78.3% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
15-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 137 days late
2024
31-12
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 153 days late
2023
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Back to profitnet €46k
Net result €46k after one loss-making year.
31-12
Financial
Equity above €200kEq €236k ▲24%
Equity rises from €190k to €236k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €8k
Net result €8k after 2 loss-making years.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Weakest financial yearnet €-32k
Net result drops to €-32k, the lowest in the series; recovery starts the following year.
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
19-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
12-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Saint-Ghislain · 1 establishment unit since 2006
Ground area
1,773 m²
Building footprint
202 m²
Volume, LiDAR
994 m³
Parcel 53009C0276/00K004, Wallonia · tallest building 13.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
KADDOURI SPRL
since 20062.152.072.484
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53009C0276/00K004 | Wallonia | 1,773 m² | 1 · 202 m² | 13.4 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 3,959 companies in sector 43331 we hold annual accounts for 1,788. 1,368 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded15-12-2005
Fiscal year end31-12
Activities, NACEBEL 2025
43331Floor and wall tiling
Scores and ratios are computed by Checked and are not a credit decision.