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KEBAM

Active
Public limited companyfounded 197749 yrs activeMechelsesteenweg 340, 2550 Kontich, BelgiumKBO/BCE: BE 0417.213.430
Summary

KEBAM has been active since 1977 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €166,879 and a net result of €5,187. Equity is growing by ~3.8% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.6% (low).

Checked score

Score 2024
Axes · tick = 2023
Profitability72▼-1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13,000 at 30 days acceptable
short-term debt: 0.7% and cash: 23.4% of total assets, and 8.8% of the assets are financed with debt.
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Signals

Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 49 years 0 50 y
lowers risk · Lower-risk legal form
Companies with this legal form statistically fail less often than a BV.
KBO · legal form
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 08-10-2025, 69 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filings
Deviation from the deadline
2025
not confirmed
2024
69 d late
2023
69 d late
2022
66 d early
2021
39 d late
2020
25 d late
2019
3 d early
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 6 accounts on average 22 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

KEBAM was incorporated on 16 March 1977.1 Total assets fell from EUR 217,312 in 2018 to EUR 183,060 in 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2024

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Financials · fiscal year 2024, abbreviated schema

Equity
€166,879▲ 3.2%
2023 · €161,692
Total assets
€183,060▼ 0.1%
2023 · €183,301
Net result
€5,187▼ 18.5%
2023 · €6,367
Working capital
€171,640▲ 58.9%
2022 · €107,993
Trend over the years
In euros
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.

Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20202021202220232024
Operating result€919€8,991▲ 878%€7,787▼ 13.4%€7,561▼ 2.9%€9,255▲ 22.4%
Net result€919€8,991▲ 878%€7,197▼ 20.0%€6,367▼ 11.5%€5,187▼ 18.5%
Equity€139,137▲ 0.7%€148,128▲ 6.5%€155,325▲ 4.9%€161,692▲ 4.1%€166,879▲ 3.2%
Total assets€184,622▼ 5.0%€152,616▼ 17.3%€161,027▲ 5.5%€183,301▲ 13.8%€183,060▼ 0.1%
Debt€45,485▼ 19.1%€4,488▼ 90.1%€5,702▲ 27.0%€21,609▲ 279%€16,181▼ 25.1%
Working capital€103,824▲ 10.3%€121,631▲ 17.2%€107,993▼ 11.2%€171,640
Staff (FTE)0▼ 100%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
€0€2,500€5,000€7,500€10,000Operating result 2020: €919€919Net result 2020: €919€919Operating result 2021: €8,991€8,991Net result 2021: €8,991€8,991Operating result 2022: €7,787€7,787Net result 2022: €7,197€7,197Operating result 2023: €7,561€7,561Net result 2023: €6,367€6,367Operating result 2024: €9,255€9,255Net result 2024: €5,187€5,18720202021202220232024€0€2,500€5,000€7,500€10,000Operating result 2022: €7,787€7,790Net result 2022: €7,197€7,200Operating result 2023: €7,561€7,560Net result 2023: €6,367€6,370Operating result 2024: €9,255€9,260Net result 2024: €5,187€5,190202220232024
The operating result recovers in 2024; 2024 is 22% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €183,060
Fixed assets €10,118 ▼ 30.7%
Current assets €172,942 ▲ 2.5%
Equity and liabilities €183,060
Equity €166,879 ▲ 3.2%
Debt €16,181 ▼ 25.1%
Debt's share of the balance-sheet total falls from 11.8% to 8.8%. Equity is higher and debt is lower.
Key figures and ratios
2024 value · change against 2023
EBITDA
€13,744▲
2023 · €12,834
Cash flow
€9,676▼
2023 · €11,640
Debt to equity
0.10▼
2023 · 0.13
ROE
3.1%▼
2023 · 3.9%
ROA
2.8%▼
2023 · 3.5%
Interest coverage
14.26▲
2023 · 10.75
Debt ≤ 1 year
€1,302
Debt > 1 year
€14,879▼
2023 · €21,609
Income taxes
€3,104
A ratio outside any meaningful range has been withheld (balance sheet total €183,060, equity €166,879).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 17,040 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.

  • Micro
  • 20 years or older
  • solvency 30% or more
  • a profit under 5% of the balance sheet
0.5% went bankrupt
4.9% stopped otherwise
94% still going

A further 0.2% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 17,040 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
Filed annual accounts As filed with the NBB · 2024 against 2023 · 37 lines
Balance sheet Code20232024
Assets
Total assets20/58€183,301€183,060▼
Fixed assets21/28€14,607€10,118▼
Tangible fixed assets22/27€14,607€10,118▼
Land and buildings22€1,445€1,083▼
Plant, machinery and equipment23€1,950€1,560▼
Furniture and vehicles24€11,212€7,475▼
Current assets29/58€168,694€172,942▲
Amounts receivable within one year40/41€152,970€130,143▼
Trade receivables40€121,784€130,143▲
Other amounts receivable41€31,186-
Cash at bank and in hand54/58€15,724€42,799▲
Equity and liabilities
Total equity and liabilities10/49€183,301€183,060▼
Equity10/15€161,692€166,879▲
Contributions10/11€62,000€62,000=
Capital10€62,000€62,000=
Issued capital100€62,000€62,000=
Reserves13€3,100€3,100=
Non-distributable reserves130/1€3,100€3,100=
Legal reserve130€3,100€3,100=
Profit (loss) carried forward14€96,592€101,779▲
Amounts payable17/49€21,609€16,181▼
Amounts payable after more than one year17€21,609€14,879▼
Financial debts170/4€21,609€14,879▼
Amounts payable within one year42/48-€1,302
Other amounts payable47/48-€1,302
Income statement Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5,273€4,489▼
Other operating charges640/8€53,357€47,868▼
Gross operating margin9900€66,191€61,612▼
Operating profit (loss)9901€7,561€9,255▲
Financial charges65/66B€1,194€964▼
Recurring financial charges65€1,194€964▼
Profit (loss) for the period before taxes9903€6,367€8,291▲
Income taxes67/77-€3,104
Profit (loss) for the period9904€6,367€5,187▼
Profit (loss) for the period to be appropriated9905€6,367€5,187▼
Appropriation of the result
Profit (loss) to be appropriated9906€96,592€101,779▲
Profit (loss) brought forward from the previous period14P€90,225€96,592▲

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20202021202220232024Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8,817€8,816€9,165€5,273€4,489▼ 14.9%
Other operating charges640/8-€55,306€54,076€53,357€47,868▼ 10.3%
Gross operating margin9900€79,470€73,113€71,028€66,191€61,612▼ 6.9%
Operating profit (loss)9901€919€8,991€7,787€7,561€9,255▲ 22.4%
Financial charges65/66B--€590€1,194€964▼ 19.3%
Recurring financial charges65--€590€1,194€964▼ 19.3%
Profit (loss) for the period before taxes9903€919€8,991€7,197€6,367€8,291▲ 30.2%
Income taxes67/77----€3,104-
Profit (loss) for the period9904€919€8,991€7,197€6,367€5,187▼ 18.5%
Profit (loss) for the period to be appropriated9905€919€8,991€7,197€6,367€5,187▼ 18.5%
Line20202021202220232024Change
Assets
Total assets20/58€184,622€152,616€161,027€183,301€183,060▼ 0.1%
Fixed assets21/28€35,313€26,497€47,332€14,607€10,118▼ 30.7%
Tangible fixed assets22/27€35,313€26,497€47,332€14,607€10,118▼ 30.7%
Land and buildings22-€6,465€1,806€1,445€1,083▼ 25.1%
Plant, machinery and equipment23-€1,344€30,576€1,950€1,560▼ 20.0%
Furniture and vehicles24-€18,688€14,950€11,212€7,475▼ 33.3%
Current assets29/58€149,309€126,119€113,695€168,694€172,942▲ 2.5%
Stocks and contracts in progress3€25,000€54,875€80,362---
Stocks30/36-€54,875€80,362---
Amounts receivable within one year40/41€2,397€8,121€9,288€152,970€130,143▼ 14.9%
Trade receivables40-€8,121€9,288€121,784€130,143▲ 6.9%
Other amounts receivable41---€31,186--
Cash at bank and in hand54/58€121,912€63,123€24,045€15,724€42,799▲ 172%
Equity and liabilities
Total equity and liabilities10/49€184,622€152,616€161,027€183,301€183,060▼ 0.1%
Equity10/15€139,137€148,128€155,325€161,692€166,879▲ 3.2%
Contributions10/11€62,000€62,000€62,000€62,000€62,000=
Capital10-€62,000€62,000€62,000€62,000=
Issued capital100-€62,000€62,000€62,000€62,000=
Reserves13€3,100€3,100€3,100€3,100€3,100=
Non-distributable reserves130/1-€3,100€3,100€3,100€3,100=
Legal reserve130-€3,100€3,100€3,100€3,100=
Profit (loss) carried forward14€74,037€83,028€90,225€96,592€101,779▲ 5.4%
Amounts payable17/49€45,485€4,488€5,702€21,609€16,181▼ 25.1%
Amounts payable after more than one year17---€21,609€14,879▼ 31.1%
Financial debts170/4---€21,609€14,879▼ 31.1%
Amounts payable within one year42/48€45,485€4,488€5,702-€1,302-
Trade debts44€1,360€840€1,250---
Suppliers440/4-€840€1,250---
Other amounts payable47/48-€3,648€4,452-€1,302-
Line20202021202220232024Change
Profit (loss) for the period9904€919€8,991€7,197€6,367€5,187▼ 18.5%
+ Depreciation and write-downs630€8,817€8,816€9,165€5,273€4,489▼ 14.9%
Operating cash flow (approximation)€9,736€17,807€16,362€11,640€9,676▼ 16.9%
Investment in fixed assets (approximation)-€0-€30,000€27,452€0▼ 100%
Change in cash--€58,789-€39,078-€8,321€27,075▲ 425%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2025
08-10
NBB filing Annual accounts filed
fiscal year 2024 · abbreviated schema · 69 days late
2024
08-10
NBB filing Annual accounts filed
fiscal year 2023 · abbreviated schema · 69 days late
2023
26-05
NBB filing Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial Equity above €150,000Eq €155,325 ▲4.9%
3 profitable years in a row build equity to €155,325.
08-09
NBB filing Annual accounts filed
fiscal year 2021 · abbreviated schema · 39 days late
2021
31-12
Financial Highest result since 2018net €8,991 ▲878%
Net result €8,991, the highest in the series.
31-12
Financial Liquidity times 9current ratio 28.10
Current ratio from 3.28 to 28.10; short-term debt falls from €45,485 to €4,488.
25-08
NBB filing Annual accounts filed
fiscal year 2020 · abbreviated schema · 25 days late
2020
31-12
Financial Back to profitnet €919
Net result €919 after 2 loss-making years.
28-07
NBB filing Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
09-08
NBB filing Annual accounts filed
fiscal year 2018 · abbreviated schema · 9 days late
2018
25-07
NBB filing Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-07
NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
11-07
NBB filing Annual accounts filed
fiscal year 2015 · abbreviated 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, Kontich · 1 establishment unit since 1977
seat establishment The establishment unit on the map
Ground area
1,380 m²
Building footprint
337 m²
Volume, LiDAR
2,888 m³
Parcel 11024F0323/00G000, Flanders · tallest building 13.2 m, ±3 floors. Linked by address, not a title deed.
4 companies at this address See who is registered here
1 establishment unit
Mechelsesteenweg 340, 2550 Kontich
Water collection, treatment and supply
since 19772.013.636.757
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11024F0323/00G000 Flanders 1,380 m² 1 · 337 m² 13.2 m · 3 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.

Identification & contact

Identification
Legal formPublic limited company
Founded16-03-1977
Fiscal year end31-12
E-invoicing
Reachable via Peppol
Peppol ID 0208:0417213430

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 30 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.