Katam
ActiveSummary
The computed 12-month bankruptcy probability of Katam is 2.2% (moderate). The 2025 annual accounts show equity of €33,074 and a net result of €10,146. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 37% of 7586 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability81▼-19
Solvency56▼-25
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days acceptable
Liquidity short (current ratio 0.72 against 2.29 in 2024; short-term debt: 69% of total assets), and 69% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← 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 2025Solvency, return and age of the figures
Solvency
31%
Return on assets
9.5%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-07-2026, 17 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
17 d early
2024
19 d late
2023
30 d late
2022
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 16 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 25 August (3 of the last 4 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€33,074▼ 42.9%
2024 · €57,928
Total assets
€106,693▲ 3.0%
2024 · €103,589
Net result
€10,146▼ 66.3%
2024 · €30,113
Working capital
-€20,500
2024 · €51,365
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Operating result€33,157-€41,215▲ 24.3%€40,134▼ 2.6%€18,163▼ 54.7%
Net result€24,112within the sector's middle half-€30,703above the sector's middle half▲ 27.3%€30,113above the sector's middle half▼ 1.9%€10,146within the sector's middle half▼ 66.3%
Equity€27,112within the sector's middle half-€57,815within the sector's middle half▲ 113%€57,928within the sector's middle half▲ 0.2%€33,074within the sector's middle half▼ 42.9%
Total assets€83,894within the sector's middle half-€98,563within the sector's middle half▲ 17.5%€103,589within the sector's middle half▲ 5.1%€106,693within the sector's middle half▲ 3.0%
Debt€56,782-€40,748▼ 28.2%€45,661▲ 12.1%€73,618▲ 61.2%
Working capital€21,185within the sector's middle half-€51,881within the sector's middle half▲ 145%€51,365within the sector's middle half▼ 1.0%-€20,500below the sector's middle half
Solvency32.3%within the sector's middle half-58.7%within the sector's middle half▲ 26.3pp55.9%within the sector's middle half▼ 2.7pp31.0%within the sector's middle half▼ 24.9pp
Current ratio1.55within the sector's middle half-2.83within the sector's middle half▲ 1.272.29within the sector's middle half▼ 0.530.72below the sector's middle half▼ 1.57
Return on assets (ROA)28.7%above the sector's middle half-31.2%above the sector's middle half▲ 2.4pp29.1%above the sector's middle half▼ 2.1pp9.5%within the sector's middle half▼ 19.6pp
Staff (FTE)0.1
above
within
below
the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 55% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €106,693
Fixed assets
€53,574 ▲ 328%
Current assets
€53,119 ▼ 41.7%
Equity and liabilities €106,693
Equity
€33,074 ▼ 42.9%
Debt
€73,618 ▲ 61.2%
Debt's share of the balance-sheet total rises from 44.1% to 69.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€18,393▼
2024 · €46,573
Cash flow
€10,377▼
2024 · €36,552
Quick ratio
0.19▼
2024 · 1.33
Debt to equity
2.23▲
2024 · 0.79
ROE
30.7%▼
2024 · 52.0%
Interest coverage
7.63▼
2024 · 105.31
Debt ≤ 1 year
€73,618▲
2024 · €39,713
Income taxes
€5,607▼
2024 · €9,579
Staff costs
€6,571
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 39,276 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 2.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 39,276 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €6,571 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,748 | €6,251 | €6,439 | €231 | ▼ 96.4% |
| Other operating charges640/8 | €1,515 | €784 | €801 | €17,082 | ▲ 2,034% |
| Gross operating margin9900 | €41,420 | €48,250 | €47,374 | €42,046 | ▼ 11.2% |
| Operating profit (loss)9901 | €33,157 | €41,215 | €40,134 | €18,163 | ▼ 54.7% |
| Financial charges65/66B | €1,003 | €851 | €442 | €2,410 | ▲ 445% |
| Recurring financial charges65 | €1,003 | €851 | €442 | €2,410 | ▲ 445% |
| Profit (loss) for the period before taxes9903 | €32,154 | €40,364 | €39,692 | €15,753 | ▼ 60.3% |
| Income taxes67/77 | €8,042 | €9,661 | €9,579 | €5,607 | ▼ 41.5% |
| Profit (loss) for the period9904 | €24,112 | €30,703 | €30,113 | €10,146 | ▼ 66.3% |
| Profit (loss) for the period to be appropriated9905 | €24,112 | €30,703 | €30,113 | €10,146 | ▼ 66.3% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €83,894 | €98,563 | €103,589 | €106,693 | ▲ 3.0% |
| Fixed assets21/28 | €24,508 | €18,257 | €12,510 | €53,574 | ▲ 328% |
| Tangible fixed assets22/27 | €24,508 | €18,257 | €12,510 | €53,574 | ▲ 328% |
| Land and buildings22 | - | - | - | €53,300 | - |
| Furniture and vehicles24 | - | - | €505 | €274 | ▼ 45.7% |
| Leasing and similar rights25 | €24,508 | €18,257 | €12,006 | - | - |
| Current assets29/58 | €59,386 | €80,306 | €91,078 | €53,119 | ▼ 41.7% |
| Stocks and contracts in progress3 | €17,303 | €38,458 | €38,394 | €38,955 | ▲ 1.5% |
| Stocks30/36 | €17,303 | €38,458 | €38,394 | €38,955 | ▲ 1.5% |
| Amounts receivable within one year40/41 | €17,558 | €10,374 | €13,045 | €10,211 | ▼ 21.7% |
| Trade receivables40 | €17,558 | €10,374 | €13,045 | €10,211 | ▼ 21.7% |
| Cash at bank and in hand54/58 | €22,937 | €27,411 | €35,109 | - | - |
| Deferred charges and accrued income490/1 | €1,588 | €4,063 | €4,530 | €3,953 | ▼ 12.7% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €83,894 | €98,563 | €103,589 | €106,693 | ▲ 3.0% |
| Equity10/15 | €27,112 | €57,815 | €57,928 | €33,074 | ▼ 42.9% |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Profit (loss) carried forward14 | €24,112 | €54,815 | €54,928 | €30,074 | ▼ 45.2% |
| Amounts payable17/49 | €56,782 | €40,748 | €45,661 | €73,618 | ▲ 61.2% |
| Amounts payable after more than one year17 | €18,582 | €12,323 | €5,948 | - | - |
| Financial debts170/4 | €18,582 | €12,323 | €5,948 | - | - |
| Amounts payable within one year42/48 | €38,200 | €28,425 | €39,713 | €73,618 | ▲ 85.4% |
| Current portion of amounts payable after more than one year42 | €6,145 | €6,259 | €6,375 | - | - |
| Financial debts43 | - | - | - | €26,969 | - |
| Credit institutions430/8 | - | - | - | €26,969 | - |
| Trade debts44 | €8,323 | €1,959 | €2,057 | €1,868 | ▼ 9.2% |
| Suppliers440/4 | €8,323 | €1,959 | €2,057 | €1,868 | ▼ 9.2% |
| Taxes, remuneration and social security45 | €17,841 | €18,416 | €29,729 | €22,548 | ▼ 24.2% |
| Taxes450/3 | €17,841 | €15,916 | €29,729 | €22,548 | ▼ 24.2% |
| Remuneration and social security454/9 | - | €2,500 | - | - | - |
| Other amounts payable47/48 | €5,892 | €1,791 | €1,551 | €22,233 | ▲ 1,333% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €24,112 | €30,703 | €30,113 | €10,146 | ▼ 66.3% |
| + Depreciation and write-downs630 | €6,748 | €6,251 | €6,439 | €231 | ▼ 96.4% |
| Operating cash flow (approximation) | €30,860 | €36,954 | €36,552 | €10,377 | ▼ 71.6% |
| Investment in fixed assets (approximation) | - | €0 | -€693 | -€41,294 | ▼ 5,863% |
| Change in cash | - | €4,474 | €7,698 | - | - |
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
Next filing, fiscal year 2026, expected by
2026
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €10,146 ▼66.3%
Net result drops to €10,146, the lowest in the series.
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Highest result since 2022net €30,703 ▲27.3%
Operating result €41,215, net result €30,703, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
1 act for this company is 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, Chastre · 1 establishment unit since 2021
Ground area
2,180 m²
Building footprint
137 m²
Volume, LiDAR
706 m³
Parcel 25094A0171/00H000, Wallonia · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
KATAM
since 20212.323.566.209
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25094A0171/00H000 | Wallonia | 2,180 m² | 1 · 137 m² | 7.2 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.
Similar companies · same sector, comparable size
VANDEBERG CONSTRUCTIONS
BE 0759.883.647
Seraing · Eq €33,077
MS Constructie-Renovatie-Afwerking
BE 1015.082.927
Tongeren-Borgloon · Eq €33,070
BOUWRENOVATIE
BE 0452.310.703
Hasselt · Eq €33,079
COPA CONSTRUCT
BE 0761.353.790
Maaseik · Eq €33,068
J.E. UNICONSTRUCT
BE 0795.703.668
Dilbeek · Eq €33,061
Of 29,785 companies in sector 41001 we hold annual accounts for 16,058. 12,581 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
Founded30-09-2021
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43320Joinery installation
47120Other non-specialised retail sale
47551Retail sale of household furniture
Contact
E-mail
rubendeprez@hotmail.com
Phone
0493926779
E-invoicing
Reachable via Peppol
Peppol ID
0208:0774859457
Registered
30-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.