KARDEMOM
ActiveKARDEMOM has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €168k and a net result of €36k. Equity is growing by ~22.2% per year across the filed fiscal years. Its solvency ranks better than 43% of 72 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2026
100
/ 100
Excellent▲ +22 vs 2025
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability100▲+4
Solvency96▲+37
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 2.55 against 1.43 in 2025), and 48.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2026Solvency, return and age of the figures
Solvency
51.4%
Return on assets
10.9%
Age of the figures
6 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 14-09-2026, 47 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2026
47 d early
2025
46 d early
2024
3 d early
2023
46 d early
2022
4 d early
2021
40 d early
2020
31 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, micro schema
Equity
€168k▲ 27.0%
2025 · €132k
2019: €46k
2020: €45k
2021: €65k
2022: €48k
2023: €61k
2024: €107k
2025: €132k
2019 → 2026
Total assets
€327k▼ 22.6%
2025 · €423k
2019: €345k
2020: €313k
2021: €369k
2022: €321k
2023: €327k
2024: €439k
2025: €423k
2019 → 2026
Net result
€36k▲ 40.9%
2025 · €25k
2019: €27k
2020: €-232
2021: €20k
2022: €-17k
2023: €13k
2024: €46k
2025: €25k
2019 → 2026
Working capital
€151k▲ 75.5%
2025 · €86k
2019: €-134k
2020: €-115k
2021: €-13k
2022: €-18k
2023: €-868
2024: €43k
2025: €86k
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€48k-€61k▲ 26.7%€107k▲ 74.4%€132k▲ 23.8%€168k▲ 27.0%
Operating result€-14k-€16k€66k▲ 325%€40k▼ 39.6%€56k▲ 38.9%
Net result€-17k-€13k€46k▲ 253%€25k▼ 44.3%€36k▲ 40.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2026; 2026 is 39% above 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €327k
Fixed assets
€79k▼ 41.6%
Current assets
€248k▼ 13.6%
Equity and liabilities €327k
Equity
€168k▲ 27.0%
Debt
€159k▼ 45.2%
The debt ratio falls from 68.7% to 48.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€112k▲
2025 · €92k
Cash flow
€92k▲
2025 · €77k
Solvency
51.4%▲
2025 · 31.3%
Current ratio
2.55▲
2025 · 1.43
Quick ratio
1.76▲
2025 · 1.16
Debt / equity
0.95▼
2025 · 2.19
ROE
21.3%▲
2025 · 19.2%
ROA
10.9%▲
2025 · 6.0%
Interest coverage
22.08▼
2025 · 22.50
Debt
€159k▼
2025 · €290k
Debt ≤ 1 year
€97k▼
2025 · €201k
Debt > 1 year
€52k▼
2025 · €74k
Income taxes
€15k▲
2025 · €11k
Staff costs
€64k▲
2025 · €61k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€423k€327k▼
Fixed assets21/28€135k€79k▼
Intangible fixed assets21€31k€0▼
Tangible fixed assets22/27€104k€79k▼
Land and buildings22€6k€4k▼
Plant, machinery and equipment23€8k€6k▼
Furniture and vehicles24€90k€70k▼
Financial fixed assets28€100€0▼
Current assets29/58€287k€248k▼
Stocks and contracts in progress3€54k€77k▲
Stocks30/36€54k€77k▲
Amounts receivable within one year40/41€29k€57k▲
Trade receivables40€23k€56k▲
Other amounts receivable41€5k€2k▼
Cash at bank and in hand54/58€204k€112k▼
Deferred charges and accrued income490/1€669€2k▲
Equity and liabilities
Total equity and liabilities10/49€423k€327k▼
Equity10/15€132k€168k▲
Contributions10/11€19k€19k=
Reserves13€114k€150k▲
Distributable reserves133€114k€150k▲
Amounts payable17/49€290k€159k▼
Amounts payable after more than one year17€74k€52k▼
Financial debts170/4€74k€52k▼
Amounts payable within one year42/48€201k€97k▼
Current portion of amounts payable after more than one year42€22k€21k▼
Trade debts44€32k€59k▲
Suppliers440/4€32k€59k▲
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€22k€15k▼
Taxes450/3€10k€6k▼
Remuneration and social security454/9€12k€8k▼
Other amounts payable47/48€125k€3k▼
Accrued charges and deferred income492/3€15k€9k▼
Income statement
Code20252026
Remuneration, social security and pensions62€61k€64k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€52k€56k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0€2k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€154k€180k▲
Operating profit (loss)9901€40k€56k▲
Financial income75/76B€294€500▲
Recurring financial income75€294€500▲
Financial charges65/66B€4k€5k▲
Recurring financial charges65€4k€5k▲
Profit (loss) for the period before taxes9903€36k€51k▲
Income taxes67/77€11k€15k▲
Profit (loss) for the period9904€25k€36k▲
Profit (loss) for the period to be appropriated9905€25k€36k▲
Appropriation of the result
Profit (loss) to be appropriated9906€25k€36k▲
Profit (loss) brought forward from the previous period14P€0-
Transfer to equity691/2€25k€36k▲
To other reserves6921€25k€36k▲
The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2027, expected by
2026
14-09
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
31-03
Financial
Equity above €150kEq €168k ▲27%
4 profitable years in a row build equity to €168k.
2025
15-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
28-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Highest result since 2019net €46k ▲253%
Operating result €66k, net result €46k, both a record.
31-03
Financial
Equity above €100kEq €107k ▲74.4%
2 profitable years in a row build equity to €107k.
2023
15-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
2022
27-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Weakest financial yearnet €-17k ▼185%
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
2021
21-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
2020
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Gent · 2 establishment units since 2018
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Trekweg 7A9030 GentGround area
315 m²
Building footprint
179 m²
Volume, LiDAR
1,572 m³
Parcel 44038A0800/00H002, Flanders · tallest building 12.7 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
PIETER THOOFT
since 20182.274.839.941
FOUR ROOMS
since 20182.274.840.040
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44038A0800/00H002 | Flanders | 315 m² | 1 · 179 m² | 12.7 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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 9,633 companies in sector 68121 we hold annual accounts for 7,328. 5,298 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-04-2018
Fiscal year end31-03
Activities, NACEBEL
68121Development of residential building projects
71112Activities of interior architects
47120Other non-specialised retail sale
47910Retail trade
70200Business and other management consultancy
70220Business consulting
74111Design of textile patterns, clothing, jewellery, furniture and decorative items
82990Other business support services
96999Other personal services
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.fourrooms.be
E-mail:info@fourrooms.be