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Complete company report
Generated 10-07-2026
Active BE 0798.512.908Private limited company

KEL-TECH

Balkenstraat 16 ·3950 Bocholt, Belgium· 3 yrs active
Sector: Specialised construction (43211)
Conclusion Checked

The computed 12-month bankruptcy probability of KEL-TECH is 3.8% (moderate). The 2024 annual accounts show equity of €671 and a net result of €-3k. Its solvency ranks better than 10% of 11041 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €671
Net result €-3k
Better than sector 10%
Active 3 yrs
Snowflake analysis 5 axes · computed by Checked
Health20Profitability0Solvency5Growth32Stability94
30 / 100

Fragile profile, watch profitability in particular.

Health 20
Profitability 0
Solvency 5
Growth 32
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
3.8% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2024 · computed
20 / 100 Critical
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview2 NBB filings
Annual accounts filed on 29-07-2025 with the NBB · fiscal year 2024 · micro
€-5k€-3k€0€3k€5kOperating result 2023: €5k€5kNet result 2023: €2k€2kOperating result 2024: €-2k€-2kNet result 2024: €-3k€-3k20232024
Operating resultNet result
Sector comparison
Fiscal year 2024 · NACE 43, Specialised construction · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 1.4% 40.9%
better than 10% of 11041 sector peers
Net result €-3k €11k
better than 15% of 11024 sector peers
Equity €671 €34k
better than 10% of 11045 sector peers
Gross operating margin €10k €35k
better than 21% of 11014 sector peers
Total assets €49k €93k
better than 27% of 11041 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€8k
-42.2% -57% vs sector
Net profit
€-3k
- far below sector median
Cash flow
€6k
-44.3% -65% vs sector
Total assets
€49k
+13.0% -78% vs sector
Equity
€671
-83.7% -99% vs sector
Working capital
€-15k
-75.8% far below sector median
Income taxes
€144
-85.3% -93% vs sector
Debt
€48k
+23.1% -43% vs sector
Debt ≤ 1y
€44k
+93.8% -26% vs sector
Debt > 1y
€4k
-75.6% -77% vs sector
Current ratio
0.66
+5.6% -56% vs sector
Quick ratio
0.59
+19.9% -54% vs sector
Solvency
1.4%
-85.6% -97% vs sector
Debt / equity
72.12
+654.0% far above sector median
ROE
-512.3%
- far below sector median
ROA
-7.0%
- far below sector median
Interest coverage
3.07
-54.5% -65% vs sector
Figures by fiscal year
Fiscal year2024
Revenue-
EBITDA€8k
Net profit€-3k
Cash flow€6k
Staff costs-
Income taxes€144
Dividends-
Total assets€49k
Equity€671
Debt€48k
of which ≤ 1y€44k
of which > 1y€4k
Working capital€-15k
Employees (FTE)-
Ratios (computed)
2024
Current ratio0.66
Quick ratio0.59
Working capital ratio-30.8%
Solvency1.4%
Debt / equity72.12
Long-term debt ratio5.96
Interest coverage3.07
Gross margin-
Net margin-
ROA-7.0%
ROE-512.3%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€49k
Fixed assets 21/28€20k
Tangible fixed assets 22/27€19k
Financial fixed assets 28€300
Current assets 29/58€29k
Stocks & contracts in progress 3€3k
Amounts receivable within one year 40/41€24k
Cash & bank 54/58€45
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€49k
Equity 10/15€671
Contributions / capital 10/11€2k
Reserves 13€2k
Accumulated profits (losses) 14€-3k
Amounts payable 17/49€48k
Amounts payable after one year 17€4k
Amounts payable within one year 42/48€44k
Trade debts payable within one year 44€11k
Income statement
Gross operating margin 9900€10k
Operating result 9901€-2k
Financial income 75€796
Financial charges 65€3k
Result before taxes 9903€-3k
Income taxes 67/77€144
Net result for the period 9904€-3k
Result to be appropriated 9905€-3k
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Ratios computed by Checked.
Legal Structure
NACE primary Specialised construction(43211)
Legal form Private limited company(610)
Incorporation16-02-2023
StatusActive
Postal code3950
Establishment units 1 location
KEL-TECH
Balkenstraat 16, 3950 BocholtReparatie en onderhoud van verwarmingsinstallaties
since 20232.341.852.192
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
72003C1152/00A010 Flanders 412 m² 1 · 119 m² 7.4 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 2 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
29-07-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
31-07-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
Credit advice verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Company registry (CBE) Crossroads Bank
Activities
Elektrotechnische installatiewerken aan gebouwen43211Algemene elektrotechnische installatiewerken43211Loodgieterswerk43221Sanitaire werkzaamheden43221Installatie van isolatie43230Overige bouwinstallatie43240Isolatiewerkzaamheden43291Overige bouwinstallatie, n.e.g.43299
Primary activity highlighted.
Names & trade names
Legal nameNL KEL-TECH
Registered office
Balkenstraat 16
3950 Bocholt, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative