KEBEC
ActiveSummary
KEBEC has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €70,922 and a net result of €68,403. Its solvency ranks better than 66% of 9,664 sector peers (NACE 82, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 19-12-2024 Normal situation
- Activity
- Other business support services NACE 82990
- Establishment unit
- 2.369.511.050 1981 Zemst, since 19-12-2024
- Financial year end
- 31 December
- Peppol
- Reachable
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.1%
Annual accounts 2025
- Gross margin
- €89,984
- Turnover
- ≈ €180,000
- estimated
- Profit
- €68,403
- Equity
- €70,922
- ▲ 28×
- Total assets
- €104,921
- ▲ 21×
Score breakdownraises riskFounded in 2024lowers riskSector: Office administrative, office support and other business support activities (NACE 82)Liquidity: current ratio 3.09, cash €31,238Equity €70,922 (67.6% of total assets)Show the evidence
Checked score
Score 2025
98
/ 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 80% of micro companies in office administrative support (NACE 82)
Financial strength · tick: 2024
Strong
Solvency
93+18
equity 67.6% of total assets
Liquidity
73-2
short-term debt 32.4% · cash 29.8%
Profitability
100+100
return on assets 65.2%
Bankruptcy probability within 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
01-2026: 0.1%
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.2%▲ +0.1 percentage points vs 06-2026
08-2026: 0.2%● unchanged vs 07-2026
09-2026: 0.3%▲ +0.1 percentage points vs 08-2026highest value
10-2026: 0.1%▼ -0.2 percentage points vs 09-2026lowest value
11-2026: 0.1%● unchanged vs 10-2026lowest value
Credit of up to €6,000 on 30-day terms, only on tighter conditions: young company (under 3 years) without a track record
Liquidity is ample, with a current ratio of 3.09 (2.01 in 2024), above the usual 1.5. Short-term debt is 32.4% and cash 29.8% of total assets. 32.4% of the assets are financed with debt and provisions.
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 82, micro). It does better than 68% of them on solvency, 67% on liquidity, 87% on profitability and 99% on growth.
The bankruptcy probability was computed on 03-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Credit check for an amount and term of your choice
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 16-06-2026, 45 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
45 days early
2024
44 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 45 days before the deadline. In the sector (NACE 82), the median for financial year 2024 was 7 days before the deadline, and 35% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
04-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 16-06-2026 at the NBB all 2 filings
Turnover
≈ €180,000
Estimated: probably between €150,000 and €250,000
Total assets
€104,921▲ 21×
2024 · €5,000
Net result
€68,403
2024 · -€2,482
Working capital
€70,922▲ 28×
2024 · €2,518
Multi-year overview
2024 to 2025, 2 financial yearsOperating result
€88,556
2025
20242025
Net result
€68,403
2025
highest quarter of the sector
20242025
Equity
€70,922
▲ 28×
2025
middle half of the sector
20242025
Total assets
€104,921
▲ 21×
2025
middle half of the sector
20242025
Debt
€33,999
▲ 14×
2025
20242025
Working capital
€70,922
▲ 28×
2025
middle half of the sector
20242025
Solvency
67.6%
▲ 17.2pp
2025
middle half of the sector
20242025
Current ratio
3.09
▲ 1.07
2025
middle half of the sector
20242025
Return on assets (ROA)
65.2%
▲ 114.8pp
2025
highest quarter of the sector
20242025
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line20242025
Operating result-€2,482-€88,556
Net result-€2,482below the sector's middle half-€68,403above the sector's middle half
Equity€2,518below the sector's middle half-€70,922within the sector's middle half▲ 28×
Total assets€5,000below the sector's middle half-€104,921within the sector's middle half▲ 21×
Debt€2,482-€33,999▲ 14×
Working capital€2,518within the sector's middle half-€70,922within the sector's middle half▲ 28×
Solvency50.4%within the sector's middle half-67.6%within the sector's middle half▲ 17.2pp
Current ratio2.01within the sector's middle half-3.09within the sector's middle half▲ 1.07
Return on assets (ROA)-49.6%below the sector's middle half-65.2%above the sector's middle half▲ 114.8pp
above
within
below
The sector band is the middle half of the companies in Office administrative, office support and other business support activities (NACE 82). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The operating result for 2025 is a profit of €88,556, after a loss of €2,482 in 2024.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €104,921
Equity
€70,922 ▲ 28×
Debt
€33,999 ▲ 14×
Debt's share of the balance-sheet total falls from 49.6% to 32.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€88,556▲
2024 · -€1,250
Cash flow
€68,403▲
2024 · -€1,250
Debt to equity
0.48▼
2024 · 0.99
ROE
96.4%▲
2024 · -98.5%
Interest coverage
72.51
Debt ≤ 1 year
€33,999▲
2024 · €2,482
Income taxes
€18,932
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,232 | €0 | ▼ 100% |
| Other operating charges640/8 | - | €1,428 | - |
| Gross operating margin9900 | -€1,250 | €89,984 | - |
| Operating profit (loss)9901 | -€2,482 | €88,556 | - |
| Financial income75/76B | - | €1 | - |
| Recurring financial income75 | - | €1 | - |
| Financial charges65/66B | - | €1,221 | - |
| Recurring financial charges65 | - | €1,221 | - |
| Profit (loss) for the period before taxes9903 | -€2,482 | €87,335 | - |
| Income taxes67/77 | - | €18,932 | - |
| Profit (loss) for the period9904 | -€2,482 | €68,403 | - |
| Profit (loss) for the period to be appropriated9905 | -€2,482 | €68,403 | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €5,000 | €104,921 | ▲ 21× |
| Current assets29/58 | €5,000 | €104,921 | ▲ 21× |
| Amounts receivable within one year40/41 | - | €73,683 | - |
| Trade receivables40 | - | €72,600 | - |
| Other amounts receivable41 | - | €1,083 | - |
| Cash at bank and in hand54/58 | €5,000 | €31,238 | ▲ 525% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €5,000 | €104,921 | ▲ 21× |
| Equity10/15 | €2,518 | €70,922 | ▲ 28× |
| Contributions10/11 | €5,000 | €5,000 | = |
| Profit (loss) carried forward14 | -€2,482 | €65,922 | - |
| Amounts payable17/49 | €2,482 | €33,999 | ▲ 14× |
| Amounts payable within one year42/48 | €2,482 | €33,999 | ▲ 14× |
| Trade debts44 | €2,482 | €5,312 | ▲ 114% |
| Suppliers440/4 | €2,482 | €5,312 | ▲ 114% |
| Taxes, remuneration and social security45 | - | €28,688 | - |
| Taxes450/3 | - | €28,688 | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | -€2,482 | €68,403 | - |
| + Depreciation and write-downs630 | €1,232 | €0 | ▼ 100% |
| Operating cash flow (approximation) | -€1,250 | €68,403 | - |
| Change in cash | - | €26,238 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 11,279 companies had the same profile as KEBEC has now. Two years later, 96.6% were still going and 0.7% had gone bankrupt.
- Micro
- under 2 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
96.6%
was still going
2.6%
stopped otherwise
0.7%
went bankrupt
That fits the bankruptcy probability of KEBEC itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 11,279 companies, not a prediction for KEBEC. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Board & ownership
Directors
Directors
1 director, no change since 2024
COLLAERT Karine Hortensia Paul
Current
Director · since 18-12-2024 · term without a fixed end · listed in the 2025 annual accounts, filed on 16-06-2026
Signing authorityThe articles say who may bind the company, for example by signing a contract.
Each director alone
deed of 23-12-2024Owners and capital
Shareholders
At incorporation
act of 23-12-2024 ↗
- COLLAERT Karine Hortensia Paul 100 shares (100%) · €5,000
Capital transactions
Capital over time
- 23-12-2024 Incorporation · €5,000 · 100 shares
Network & group
Board mandates elsewhere
1 board mandateBoard mandates of KEBECKEBEC sits on their board1
2 locations
Companies at the same address
1 other companyConnections & network
1 current directorThe board mandates are listed under Board mandates elsewhere. The network lets you explore the same ties.
This company
Company
Director
Shareholding
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Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2026
16-06
micro format · 45 days before the deadline
2025
31-12
Financial
Back to profitnet €68,403
The net result is €68,403, after one loss-making year.
17-06
micro format · 44 days before the deadline
2024
23-12
Gazette deed
IncorporationStarting capital €5,000 · Appointment: COLLAERT Karine Hortensia Paul (director) · Founder10 points ▸
Gazette deed
Incorporation
Starting capital €5,000 · Appointment: COLLAERT Karine Hortensia Paul (director) · Founder10 points ▸
- Incorporation, “KEBEC” (deed in Dutch)
- Founder, COLLAERT Karine Hortensia Paul
- Founding capital, €5,000
- Bank account, “KBC Bank”, 5000 (deed in Dutch)
- Other provision, “comparant, tekst van de statuten bij uittreksel” (deed in Dutch)
- Capital
- Registered office clause, “1981 Zemst (Hofstade),Ambroossteenweg 56” (deed in Dutch)
- Board rule, 1
- Director appointment, COLLAERT Karine Hortensia Paul (director)
- Other provision, “afwezigheid bestuursverbod, geen strafrechtelijk of burgerrechtelijk bestuursverbod om onderneming uit te baten of functie van bestuurder,commissaris of zaakvoe…” (deed in Dutch)
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
KEBEC in Dutch
Enterprise number
1017.670.352
Legal form
Private limited company
Status
Active, normale toestand
Founded
19-12-2024
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 23-12-2024 (in Dutch)Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Vlaamse Gewest, eenvoudige beslissing van het bestuursorgaan”
deed of 23-12-2024 (in Dutch)Registered office and establishments
Registered office
Ambroossteenweg 56, 1981 Zemst, Belgium
Establishment unit
Ambroossteenweg 56, 1981 Zemst since 19-12-2024 · unit number 2.369.511.050
Activities
NACEBEL 202582990
Other business support services main activity
PurposeThe purpose describes the activities the company may carry out under its articles.
deed of 23-12-2024 (in Dutch)
“Alle bijdragen aan de vestiging of ontwikkeling van ondernemingen en in het bijzonder het verlenen aan natuurlijke – of rechtspersonen van…”
9 activities
- Alle bijdragen aan de vestiging of ontwikkeling van ondernemingen en in het bijzonder het verlenen aan natuurlijke – of rechtspersonen van financieel, technisch, commercieel, administratief en personeelsgebonden advies in de breedste zin van het woord (uitgezonderd vermogensbeheer of beleggingsadvies zoals bedoeld in de Wet van 25 oktober 2016 betreffende de toegang tot het beleggingsdienstenbedrijf en betreffende het statuut van en het toezicht op de vennootschappen voor vermogensbeheer en beleggingsadvies), raadgeving, bijstand en het uitvoeren van diensten rechtstreeks of onrechtstreeks op het gebied van administratie en financiën, van verkoop, van productie, van technieken van commerciële organisatie en distributie, en meer algemeen het beleid en de uitoefening van alle activiteiten in verband met dienstverlening en management in de breedste zin van het woord aan alle willekeurige fysieke- of rechtspersonen
- Het waarnemen van alle bestuursopdrachten, mandaten in directiecomités, het uitoefenen van opdrachten en functies. Deze opdrachten kunnen worden geleverd krachtens een contractuele of statutaire benoeming en in de hoedanigheid van externe raadgever of orgaan van de cliënt. Ter uitvoering van haar opdrachten en voor het waarnemen van bestuursmandaten kan de vennootschap zich laten vertegenwoordigen door haar bestuurder of elke andere derde vertegenwoordiger, die door de vennootschap worden afgevaardigd om op te treden in eigen naam doch voor rekening van de vennootschap
- Management consulting aan bedrijven, organisaties en andere instellingen en het op punt stellen van de organisatie, strategie en management van het menselijk potentieel, zoals onder meer coaching, Human Resources Management Systemen, recrutering, selectie en training
- Het exploiteren van een bureau voor private arbeidsbemiddeling en in het bijzonder het werven en selecteren van personen in de ruimste zin ten behoeve van ondernemingen, verenigingen, overheden en private personen
- Het uitoefenen van alle mogelijke mandaten onder de vorm van studies van organisatie, van expertises, van technische of andere handelingen en adviezen, in alle domeinen begrepen in haar voorwerp
- Alle marketing studies, expertises, en adviezen met betrekking tot de licentie van producten, verwerving van vennootschappen, organisaties, personeel, public relations, en alle handelingen en activiteiten daarmee verband houdend; alle mogelijke studies, expertises, en adviesverlening in de sector van beleggingen
- Uitsluitend in eigen naam en voor eigen rekening: het aanleggen, het oordeelkundig uitbouwen en beheren van een onroerend vermogen; alle verrichtingen, al dan niet onder het stelsel van de BTW, met betrekking tot onroerende goederen en onroerende zakelijke rechten, zoals de aan- en verkoop, de bouw, de verbouwing, de binnenhuisinrichting en decoratie, de huur- en verhuur, de ruil, de verkaveling en, in het algemeen, alle verrichtingen die rechtstreeks of onrechtstreeks betrekking hebben op het beheer of op het productief maken, van onroerende goederen of onroerende zakelijke rechten
- Uitsluitend in eigen naam en voor eigen rekening: het aanleggen, het oordeelkundig uitbouwen en beheren van een roerend vermogen; alle verrichtingen met betrekking tot roerende goederen en rechten, van welke aard ook, zoals de aan- en verkoop, de huur- en verhuur, de ruil; in het bijzonder het beheer en de valorisatie van alle verhandelbare waardepapieren, aandelen, obligaties, staatsfondsen
- Uitsluitend in eigen naam en voor eigen rekening: het aangaan en verstrekken van leningen, kredieten, financieringen en het aangaan van leasingcontracten, in het kader van de bovenvermelde doelstellingen
Invoicing and payment
VAT number
BE 1017.670.352
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Third Monday of June at 14:00
deed of 23-12-2024 (in Dutch)Sites & property
Location
Buildings and parcels at the address
Ground area
1,057 m²
Building footprint
117 m²
Building volume
1,195 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 23034A0254/00C004 | Flanders | 1,057 m² | 1 · 117 m² | 12.2 m · 3 |