Turnover
≈ €270,000 estimated
The micro format states no turnover.
KEFIN
Lifetime
20 annual accounts with figures on one time axis, 35 filings since 1991peak €130,267 (2019)
€58,084▲ 103%
lowest -€19,097 (2021)
€30,143▲ 197%
peak €1.0m (2025)
€1.0m▲ 3.1%
€51,322▼ 19.5%
Board1 name since 1991
1 directorElst Rembrant Helena
Documentsfilings and deeds
05-06-202656 days before the deadline
2025micro format
Gross margin from €28,632 to €58,084Result from €10,138 to €30,143Debts from €63,718 to €51,322
Key points
from the 2025 annual accountsFilings
35 annual accounts since 1991
The last five annual accounts were filed 48 to 56 days before the end of the period.
Position in the sector
€1.0m
More equity than 95% of companies in wholesale trade. Sector median €56,570 · 13,809 companies.
Checked score
96
Excellent
Financially stronger than 65% of micro companies in wholesale trade (NACE 46)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.4% across 26,900 companies (NACE 46, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025highest value
06-2025: 0.1%● unchanged vs 05-2025
07-2025: < 0.1%▼ -0.1 percentage points vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
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: < 0.1%● unchanged vs 06-2026lowest value
08-2026: < 0.1%● unchanged vs 07-2026lowest value
09-2026: < 0.1%● unchanged vs 08-2026lowest value
10-2026: < 0.1%● unchanged vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
lowers risk
Size: total assets €1.1m
Founded in 1991
Equity €1.0m (95.1% of total assets)
Figures for financial year 2025 (filed on 05-06-2026)
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 46, micro). It does better than 90% of them on solvency, 61% on liquidity, 58% on profitability and 51% on growth.
The bankruptcy probability was computed on 05-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 14,766 companies had the same profile as KEFIN has now. Each dot stands for 37 companies, two years later.
96.2%
were still trading
3.5%
stopped another way
0.2%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of KEFIN itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 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 14,766 companies, not a prediction for KEFIN. 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.
Credit verdict
Credit of up to €95,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 25.32 (27.02 in 2024), above the usual 1.5. Short-term debt is 2.6% and cash 4.4% of total assets. 4.9% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
5 signals, none raises the risk
Five signals.
lowers 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 05-06-2026, 56 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
56 days early
2024
50 days early
2023
51 days early
2022
48 days early
2021
54 days early
2020
37 days early
2019
23 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 46 days before the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% 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. The company usually files around 11 June (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
06-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0444917026
First establishment
Bareel 25, Sint-Gillis-Waas
Incorporation
published on 13-09-1991 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| KEFIN Sint-Gillis-Waas | €1.1m | €58,084 | 95.1% | - |
| Hentonic Maldegem | €0.8m | €53,118 | 85.4% | 0 |
| ONE FOUR ONE Dendermonde | €1.4m | €85,741 | 51.5% | 0.3 |
| IMPACT CONSULTING Bilzen-Hoeselt | €1.0m | €63,408 | 86.6% | - |
| OMEGA TOOLS Namur | €0.9m | €47,272 | 96.7% | - |
| ADAMS Herselt | €1.0m | €96,251 | 85.7% | - |
| ACTIV ELECTRO Bruges | €1.3m | €106,414 | 70.8% | 1 |
These companies have the same main activity as KEFIN: agents in the wholesale of furniture, household goods and hardware (NACE 46150). They are comparable in size and age: total assets between €780,000 and €1.4m, founded between 1987 and 1998.
Official details
Source: KBO- Status
- Active since 20-08-1991Normal situation
- Activity
- Agents in the wholesale of furniture, household goods and hardwareNACE 46150
- Establishment unit
- 2.054.092.5869170 Sint-Gillis-Waas, since 11-09-1991
- Financial year end
- 31 December
- Peppol
- Reachable since 30-06-2025
Annual accounts 2025
- €1.1m▲ 1.7%
- Filing
- Filed on 05-06-2026, 56 days before the end of the filing period
Insights on KEFIN
KEFIN files the micro format. That format states no turnover. The gross margin rose from €28,842 in 2006 to €58,084 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about KEFIN
- What is the company number of KEFIN?
- The company number of KEFIN is 0444.917.026. The VAT number is the same number with BE in front: BE 0444.917.026.
- Where is KEFIN based?
- The registered office is at Bareel 25, 9170 Sint-Gillis-Waas.Company details
- What does KEFIN do?
- According to the KBO register, the main activity is agents in the wholesale of furniture, household goods and hardware (NACE 46150).
- What is the legal form of KEFIN?
- KEFIN is a private limited company (BV).
- When was KEFIN founded?
- KEFIN was founded on 20-08-1991.
- Is KEFIN still active?
- Yes, KEFIN is an active enterprise in the KBO register.
- What is the turnover of KEFIN?
- The turnover in financial year 2025 is ≈ €270,000. This figure is estimated from the gross margin of €58,084 and 30 comparable companies (NACE 461). It probably lies between €140,000 and €630,000.Financials
- Is KEFIN profitable?
- In financial year 2025, KEFIN made a profit of €30,143.
- Where can I find the annual accounts of KEFIN?
- KEFIN filed 35 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of KEFIN due?
- KEFIN must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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