KEMI CONSTRUCT
ActiveThe computed 12-month bankruptcy probability of KEMI CONSTRUCT is 2.4% (moderate). The 2025 annual accounts show equity of €15k and a net result of €7k. Its solvency ranks better than 47% of 7415 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability93▲+34
Solvency66▲+24
Growth78
Track record94
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.12 against 0.67 in 2024; short-term debt: 59.4% and cash: 46.3% of total assets), and 59.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
40.6%
Return on assets
19%
Age of the figures
12 mo
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 30-04-2026, 0 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
on the day
2024
35 d early
← before the deadline
after the deadline →
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
20-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€15k▲ 87.9%
2024 · €8k
2024: €8k
2024 → 2025
Total assets
€36k▼ 19.7%
2024 · €45k
2024: €45k
2024 → 2025
Net result
€7k▲ 80.7%
2024 · €4k
2024: €4k
2024 → 2025
Working capital
€3k
2024 · €-12k
2024: €-12k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€8k-€15k▲ 87.9%
Operating result€7k-€9k▲ 37.8%
Net result€4k-€7k▲ 80.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 38% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €36k
Fixed assets
€12k▼ 40.0%
Current assets
€24k▼ 3.4%
Equity and liabilities €36k
Equity
€15k▲ 87.9%
Debt
€21k▼ 42.3%
The debt ratio falls from 82.6% to 59.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€13k
Cash flow
€11k
Solvency
40.6%▲
2024 · 17.4%
Current ratio
1.12▲
2024 · 0.67
Quick ratio
1.12▲
2024 · 0.67
Debt / equity
1.46▼
2024 · 4.76
ROE
46.8%▼
2024 · 48.6%
ROA
19.0%▲
2024 · 8.4%
Interest coverage
54.83
Debt
€21k▼
2024 · €37k
Debt ≤ 1 year
€21k▼
2024 · €37k
Income taxes
€2k▲
2024 · €1k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€45k€36k▼
Fixed assets21/28€20k€12k▼
Intangible fixed assets21€20k€12k▼
Current assets29/58€25k€24k▼
Amounts receivable within one year40/41€10k€7k▼
Trade receivables40€5k-
Other amounts receivable41€5k€7k▲
Cash at bank and in hand54/58€15k€17k▲
Equity and liabilities
Total equity and liabilities10/49€45k€36k▼
Equity10/15€8k€15k▲
Contributions10/11€4k€4k=
Capital10€4k-
Issued capital100€4k-
Profit (loss) carried forward14€4k€11k▲
Amounts payable17/49€37k€21k▼
Amounts payable within one year42/48€37k€21k▼
Trade debts44€898€5k▲
Suppliers440/4€898€5k▲
Taxes, remuneration and social security45€17k€7k▼
Taxes450/3€9k€2k▼
Remuneration and social security454/9€8k€5k▼
Other amounts payable47/48€19k€9k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€4k
Other operating charges640/8-€1k
Non-recurring operating charges66A-€4k
Gross operating margin9900€7k€19k▲
Operating profit (loss)9901€7k€9k▲
Financial income75/76B-€17
Recurring financial income75-€17
Financial charges65/66B€2k€244▼
Recurring financial charges65€2k€244▼
Profit (loss) for the period before taxes9903€5k€9k▲
Income taxes67/77€1k€2k▲
Profit (loss) for the period9904€4k€7k▲
Profit (loss) for the period to be appropriated9905€4k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€4k€11k▲
Profit (loss) brought forward from the previous period14P-€4k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Antwerpen · 1 establishment unit since 2023
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Pollepelstraat 72060 AntwerpenGround area
88 m²
Building footprint
91 m²
Volume, LiDAR
921 m³
Parcel 11805E0707/00H003, Flanders · tallest building 13.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
KEMI CONSTRUCT
since 20232.348.965.163
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11805E0707/00H003 | Flanders | 88 m² | 1 · 91 m² | 13.2 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
BL SYSTEMS
BE 0757.968.985
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MR Creative Construction
BE 0775.871.722
Sint-Pieters-Leeuw · Eq €15k
PA CONSTRUCTION
BE 0898.578.801
Soumagne · Eq €15k
GABY DECOR
BE 0793.302.424
Grimbergen · Eq €15k
EASY BOUW
BE 0837.380.907
Linter · Eq €15k
Of 29,801 companies in sector 41001 we hold annual accounts for 16,041. 10,606 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-08-2023
Fiscal year end30-09
Activities, NACEBEL
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.