Summary
KEESERBERG is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €7.5m and a net result of €98,763. Equity is growing by ~3.6% per year across the filed fiscal years. Its solvency ranks better than 49% of 2445 sector peers (fiscal year 2025). The company has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 27-04-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
16 d early
2023
on the day
2022
3 d late
2021
19 d late
2020
1 d early
2019
1 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average on the deadline day; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
28-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, full schema
In the rankings
#8 company by equity in Oudenaarde, Finance and insurance sector#10 company by total assets in Oudenaarde, Finance and insurance sector
Equity
€7.5m▲ 1.3%
2024 · €7.4m
Net result
€98,763▼ 49.3%
2024 · €194,768
Total assets
€12.5m▼ 4.9%
2024 · €13.1m
Solvency
60.2%▲ 3.7pp
2024 · 56.6%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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
Line20212022202320242025
Turnover€637,697€664,986▲ 4.3%€586,564▼ 11.8%€584,606▼ 0.3%
Operating result€262,222▲ 1.7%€197,543▼ 24.7%€296,486▲ 50.1%€329,762▲ 11.2%€208,280▼ 36.8%
Net result€121,309within the sector's middle half▲ 13.0%€72,903within the sector's middle half▼ 39.9%€466,944within the sector's middle half▲ 540%€194,768within the sector's middle half▼ 58.3%€98,763within the sector's middle half▼ 49.3%
Equity€6.5mabove the sector's middle half▲ 4.4%€6.7mwithin the sector's middle half▲ 3.5%€7.2mwithin the sector's middle half▲ 6.9%€7.4mwithin the sector's middle half▲ 2.7%€7.5mwithin the sector's middle half▲ 1.3%
Total assets€13.5mabove the sector's middle half▲ 0.6%€13.8mwithin the sector's middle half▲ 2.5%€13.2mwithin the sector's middle half▼ 4.7%€13.1mwithin the sector's middle half▼ 0.6%€12.5mwithin the sector's middle half▼ 4.9%
Debt€6.7m▼ 3.4%€6.7m▲ 1.1%€5.6m▼ 17.1%€5.3m▼ 5.4%€4.5m▼ 14.6%
Working capital€433,079above the sector's middle half▼ 48.1%€583,076within the sector's middle half▲ 34.6%€786,708within the sector's middle half▲ 34.9%€752,115within the sector's middle half▼ 4.4%€724,884within the sector's middle half▼ 3.6%
Solvency48.3%within the sector's middle half▲ 1.8pp48.8%within the sector's middle half▲ 0.5pp54.8%within the sector's middle half▲ 6.0pp56.6%within the sector's middle half▲ 1.8pp60.2%within the sector's middle half▲ 3.7pp
Current ratio1.59within the sector's middle half▼ 0.771.55within the sector's middle half▼ 0.042.53within the sector's middle half▲ 0.991.96within the sector's middle half▼ 0.572.52within the sector's middle half▲ 0.56
Return on assets (ROA)0.9%within the sector's middle half▲ 0.1pp0.5%within the sector's middle half▼ 0.4pp3.5%within the sector's middle half▲ 3.0pp1.5%within the sector's middle half▼ 2.1pp0.8%within the sector's middle half▼ 0.7pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 37% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €12.5m
Fixed assets
€11.3m ▼ 2.7%
Current assets
€1.2m ▼ 21.6%
Equity and liabilities €12.5m
Equity
€7.5m ▲ 1.3%
Provisions
€432,050 ▲ 8.0%
Debt
€4.5m ▼ 14.6%
Debt's share of the balance-sheet total falls from 40.4% to 36.3%. Equity is higher and debt is lower.
Key figures and ratios
ROE
1.3%▼
2024 · 2.6%
Debt ≤ 1 year
€477,760▼
2024 · €782,124
Debt > 1 year
€4.0m▼
2024 · €4.4m
Income taxes
€46,340▼
2024 · €74,037
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Operating income70/76A | - | €820,345 | €813,559 | €911,196 | €727,638 | ▼ 20.1% |
| Turnover70 | - | €637,697 | €664,986 | €586,564 | €584,606 | ▼ 0.3% |
| Other operating income74 | - | €182,648 | €148,573 | €124,632 | €143,032 | ▲ 14.8% |
| Non-recurring operating income76A | - | - | - | €200,000 | - | - |
| Operating charges60/66A | - | €622,802 | €517,074 | €581,434 | €519,358 | ▼ 10.7% |
| Goods for resale, raw materials and consumables60 | - | €66,432 | €61,045 | €46,970 | €54,221 | ▲ 15.4% |
| Purchases600/8 | - | €66,432 | €61,045 | €46,970 | €54,221 | ▲ 15.4% |
| Services and other goods61 | - | €189,170 | €74,335 | €148,780 | €76,786 | ▼ 48.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €300,352 | €305,198 | €305,367 | €307,008 | €307,803 | ▲ 0.3% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | €32,000 | €26,750 | €32,000 | €31,300 | €32,000 | ▲ 2.2% |
| Other operating charges640/8 | €19,642 | €35,252 | €44,327 | €47,375 | €48,547 | ▲ 2.5% |
| Gross operating margin9900 | €614,216 | - | - | - | - | - |
| Operating profit (loss)9901 | €262,222 | €197,543 | €296,486 | €329,762 | €208,280 | ▼ 36.8% |
| Financial income75/76B | €45,133 | €39,025 | €388,878 | €52,382 | €42,919 | ▼ 18.1% |
| Recurring financial income75 | €45,133 | €39,025 | €388,878 | €52,382 | €42,919 | ▼ 18.1% |
| Income from financial fixed assets750 | - | - | €345,395 | €1,056 | €107 | ▼ 89.9% |
| Income from current assets751 | - | €39,025 | €43,336 | €51,326 | €42,812 | ▼ 16.6% |
| Other financial income752/9 | - | €0 | €148 | €0 | €0 | ▲ 220% |
| Financial charges65/66B | €134,938 | €128,696 | €166,036 | €113,339 | €106,096 | ▼ 6.4% |
| Recurring financial charges65 | €134,938 | €128,696 | €166,036 | €113,339 | €106,096 | ▼ 6.4% |
| Debt charges650 | - | €128,696 | - | €113,338 | €106,095 | ▼ 6.4% |
| Other financial charges652/9 | - | €0 | €166,036 | €1 | €1 | = |
| Profit (loss) for the period before taxes9903 | €172,416 | €107,871 | €519,328 | €268,805 | €145,103 | ▼ 46.0% |
| Income taxes67/77 | €51,107 | €34,968 | €52,384 | €74,037 | €46,340 | ▼ 37.4% |
| Taxes670/3 | - | €34,968 | €52,384 | €74,937 | €46,340 | ▼ 38.2% |
| Tax adjustments and reversals of tax provisions77 | - | - | - | €900 | - | - |
| Profit (loss) for the period9904 | €121,309 | €72,903 | €466,944 | €194,768 | €98,763 | ▼ 49.3% |
| Profit (loss) for the period to be appropriated9905 | €121,309 | €72,903 | €466,944 | €194,768 | €98,763 | ▼ 49.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €13.5m | €13.8m | €13.2m | €13.1m | €12.5m | ▼ 4.9% |
| Fixed assets21/28 | €12.3m | €12.2m | €11.9m | €11.6m | €11.3m | ▼ 2.7% |
| Tangible fixed assets22/27 | €7.3m | €7.0m | €6.7m | €6.5m | €6.1m | ▼ 4.8% |
| Furniture and vehicles24 | €14,155 | €14,155 | €14,155 | €14,155 | €14,155 | = |
| Other tangible fixed assets26 | €7.3m | €7.0m | €6.7m | €6.4m | €6.1m | ▼ 4.8% |
| Financial fixed assets28 | €5.0m | €5.1m | €5.1m | €5.1m | €5.1m | = |
| Affiliated companies280/1 | - | €5.1m | €5.1m | €5.1m | €5.1m | = |
| Participating interests280 | - | €5.1m | €5.1m | €5.1m | €5.1m | = |
| Current assets29/58 | €1.2m | €1.7m | €1.3m | €1.5m | €1.2m | ▼ 21.6% |
| Amounts receivable after more than one year29 | €1.1m | €824,854 | €773,395 | €773,395 | €923,395 | ▲ 19.4% |
| Other amounts receivable291 | €1.1m | €824,854 | €773,395 | €773,395 | €923,395 | ▲ 19.4% |
| Amounts receivable within one year40/41 | €6,201 | €184,220 | €100,026 | €177,251 | €25,447 | ▼ 85.6% |
| Trade receivables40 | €5,367 | €132,439 | €37,056 | €27,251 | €25,447 | ▼ 6.6% |
| Other amounts receivable41 | €834 | €51,781 | €62,971 | €150,000 | - | - |
| Current investments50/53 | €50,000 | - | €200,000 | €500,000 | €100,000 | ▼ 80.0% |
| Other investments51/53 | - | - | €200,000 | €500,000 | €100,000 | ▼ 80.0% |
| Cash at bank and in hand54/58 | €3,892 | €631,859 | €211,162 | €39,575 | €135,813 | ▲ 243% |
| Deferred charges and accrued income490/1 | €36,118 | €11,356 | €15,637 | €44,018 | €17,989 | ▼ 59.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €13.5m | €13.8m | €13.2m | €13.1m | €12.5m | ▼ 4.9% |
| Equity10/15 | €6.5m | €6.7m | €7.2m | €7.4m | €7.5m | ▲ 1.3% |
| Contributions10/11 | €2.0m | €2.0m | €2.0m | €2.0m | €2.0m | = |
| Capital10 | €2.0m | €2.0m | €2.0m | €2.0m | €2.0m | = |
| Issued capital100 | €2.0m | €2.0m | €2.0m | €2.0m | €2.0m | = |
| Revaluation surpluses12 | €1.8m | €2.0m | €2.0m | €2.0m | €2.0m | = |
| Reserves13 | €2.7m | €2.8m | €3.3m | €3.5m | €3.5m | ▲ 2.9% |
| Non-distributable reserves130/1 | €157,800 | €161,450 | €190,000 | €200,000 | €200,000 | = |
| Legal reserve130 | €157,800 | €161,450 | €190,000 | €200,000 | €200,000 | = |
| Distributable reserves133 | €2.6m | €2.6m | €3.1m | €3.3m | €3.3m | ▲ 3.0% |
| Provisions and deferred taxes16 | €310,000 | €336,750 | €368,750 | €400,050 | €432,050 | ▲ 8.0% |
| Provisions for liabilities and charges160/5 | €310,000 | €336,750 | €368,750 | €400,050 | €432,050 | ▲ 8.0% |
| Major repairs and maintenance162 | €310,000 | €336,750 | €368,750 | €400,050 | €432,050 | ▲ 8.0% |
| Amounts payable17/49 | €6.7m | €6.7m | €5.6m | €5.3m | €4.5m | ▼ 14.6% |
| Amounts payable after more than one year17 | €5.9m | €5.6m | €5.1m | €4.4m | €4.0m | ▼ 8.8% |
| Financial debts170/4 | €4.8m | €4.5m | €5.1m | €4.4m | €4.0m | ▼ 8.8% |
| Subordinated loans170 | - | €1.3m | - | €98,252 | €98,252 | = |
| Credit institutions173 | - | €3.1m | €2.8m | €2.5m | €2.1m | ▼ 13.2% |
| Other loans174 | - | - | €2.3m | €1.9m | €1.8m | ▼ 3.5% |
| Other amounts payable178/9 | €1.1m | €1.1m | - | - | - | - |
| Amounts payable within one year42/48 | €738,766 | €1.1m | €513,513 | €782,124 | €477,760 | ▼ 38.9% |
| Current portion of amounts payable after more than one year42 | €325,396 | €325,396 | €425,396 | €525,396 | €425,396 | ▼ 19.0% |
| Trade debts44 | €10,042 | €195,092 | €48,046 | €36,121 | €21,600 | ▼ 40.2% |
| Suppliers440/4 | €10,042 | €195,092 | €48,046 | €36,121 | €21,600 | ▼ 40.2% |
| Taxes, remuneration and social security45 | €28,328 | - | €39,371 | €15,695 | €21,733 | ▲ 38.5% |
| Taxes450/3 | €28,328 | - | €39,371 | €15,695 | €21,733 | ▲ 38.5% |
| Other amounts payable47/48 | €375,000 | €548,725 | €700 | €204,912 | €9,031 | ▼ 95.6% |
| Accrued charges and deferred income492/3 | €9,536 | €80,078 | €25,278 | €76,503 | €1,102 | ▼ 98.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €121,309 | €72,903 | €466,944 | €194,768 | €98,763 | ▼ 49.3% |
| + Depreciation and write-downs630 | €300,352 | €305,198 | €305,367 | €307,008 | €307,803 | ▲ 0.3% |
| Operating cash flow (approximation) | €421,661 | €378,102 | €772,311 | €501,776 | €406,566 | ▼ 19.0% |
| Investment in fixed assets (approximation) | - | -€157,119 | -€2,589 | €500 | €0 | ▼ 100% |
| Change in cash | - | €627,967 | -€420,698 | -€171,587 | €96,239 | ▲ 156% |
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
27-04
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
14-04
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
30-09
Financial
Highest result since 2018net €466,944 ▲540%
Net result €466,944, the highest in the series.
03-05
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 3 days late
2022
19-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 19 days late
2021
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
29-04
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
30-09
Financial
Weakest financial yearnet €55,526 ▼32%
Net result drops to €55,526, the lowest in the series; recovery starts the following year.
12-04
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
09-04
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
06-04
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 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
7 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, Oudenaarde · 1 establishment unit since 1999
Ground area
1.6 ha
Building footprint
6,045 m²
Parcel 45507A0022/00Z000, Flanders. Linked by address, not a title deed.
6
companies at this address
See who is registered here
1 establishment unit
Meersbloem-Leupegem 21, 9700 Oudenaarde
since 19992.091.367.510
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45507A0022/00Z000 | Flanders | 1.6 ha | 1 · 6,045 m² | - |
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.
Structure & network
Owners and holdings
2 holdingsOwners 0
The accounts to 30-09-2025 list no shareholders, and no other source names one.
Holdings 2
-
100%
-
98.68%
According to the annual accounts to 30-09-2025 of KEESERBERG and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,799. 6,899 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded31-05-1999
Fiscal year end30-09
Activities, NACEBEL 2025
64210Activities of holding companies
82100Office administrative and support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0466138448
Also
9925:BE0466138448
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.