KEMP · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of KEMP is 1.7% (moderate). The 2024 annual accounts show equity of €59k and a net result of €8k. Equity is growing by ~15.6% per year across the filed fiscal years. Its solvency ranks better than 81% of 5634 sector peers (fiscal year 2024). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Signals

3 signals · with evidence

Strong solvency vs sector

Solvency is in the sector's strongest quartile: better than 81% of 5634 peers (2024). A comfortable equity buffer.

View the sector comparison

Consistently profitable

Positive net result in the two most recent financial years (2023 and 2024).

View the result trend

Growing equity

Equity grew over 2022-2024. Profits are largely retained rather than distributed.

View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Deadline passed, not yet counted as missing

The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 16 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 02-07-2025, 29 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

How we compute the deadline

The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	02-07-2025	29 d early	2025-00223856
31-12-2023	31-07-2024	05-07-2024	26 d early	2024-00220760
31-12-2022	31-07-2023	05-07-2023	26 d early	2023-00211548
31-12-2021	31-07-2022	01-08-2022	1 d late	2022-20260113
31-12-2020	31-07-2021	20-07-2021	11 d early	2021-40200133
31-12-2019	31-07-2020	15-08-2020	15 d late	2020-42100592
31-12-2018	31-07-2019	12-08-2019	12 d late	2019-45700334
31-12-2017	31-07-2018	12-08-2019	377 d late	2019-45700362
31-12-2016	31-07-2017	01-08-2017	1 d late	2017-40500288
31-12-2015	31-07-2016	12-07-2016	19 d early	2016-30500544

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Established

Founded in 2012, 13 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

1.7% Moderate

0%0,5%1,5%4%10%≥25%

Higher-failure-rate sector +Long track record −

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

Financials

Turnover€122k+25.3%

EBIT margin-4.4%+27.5pp

Net result€8k-10.6%

Working capital€-6k+74.4%

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 02-07-2025 with the NBB · fiscal year 2024 · micro

RevenueOperating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~15.6%/year over 7 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 56, Food & beverage service · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	54.3%	19.4%	better than 81% of 5634 sector peers
Net result	€8k	€4k	better than 58% of 5623 sector peers
Equity	€59k	€14k	better than 79% of 5646 sector peers
Gross operating margin	€67k	€52k	better than 56% of 5609 sector peers
Staff costs	€38k	€49k	higher than 43% of 4078 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P81

Improving position over 2020-2024 · n=1435-5634

Net result P58

Improving position over 2020-2024 · n=1427-5623

Equity P79

Stable position over 2020-2024 · n=1439-5646

Gross operating margin P56

Stable position over 2020-2024 · n=1421-5609

Describes the position versus peers, not a forecast.

Revenue

€122k

+25.3% 18-24

EBITDA

€26k

-4.6% 18-24

Net profit

€8k

-10.6% 18-24

Cash flow

€25k

-4.6% 18-24

Total assets

€110k

-20.6% 18-24

Equity

€59k

+15.9% 18-24

Working capital

€-6k

+74.4% 18-24

Employees (FTE)

1

-9.1% 18-24

Show 13 other metrics

Staff costs

€38k

+14.7% 18-24

Debt

€50k

-42.1% 18-24

Debt ≤ 1y

€38k

-45.4% 18-24

Debt > 1y

€12k

-29.4% 18-24

Current ratio

0.84

+27.6% 18-24

Quick ratio

0.79

+27.0% 18-24

Solvency

54.3%

+45.9% 18-24

Debt / equity

0.84

-50.1% 18-24

ROE

13.7%

-22.9% 18-24

ROA

7.4%

+12.5% 18-24

Net margin

6.0%

- 18-24

EBITDA margin

20.4%

+5102.0% 18-24

Interest coverage

43.47

-0.9% 18-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	€26k
Net profit	€8k
Cash flow	€25k
Staff costs	€38k
Income taxes	-
Dividends	-
Total assets	€110k
Equity	€59k
Debt	€50k
of which ≤ 1y	€38k
of which > 1y	€12k
Working capital	€-6k
Employees (FTE)	1.0

Ratios (computed)

	2024
Current ratio	0.84
Quick ratio	0.79
Working capital ratio	-5.5%
Solvency	54.3%
Debt / equity	0.84
Long-term debt ratio	0.21
Interest coverage	43.47
Gross margin	-
Net margin	-
ROA	7.4%
ROE	13.7%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €78k · 71.2% Current assets €32k · 28.9%

Equity & liabilities

Equity €59k · 54.3% Debt €50k · 45.7%

Full annual accounts (22 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€110k
Fixed assets	21/28	€78k
Tangible fixed assets	22/27	€78k
Current assets	29/58	€32k
Stocks & contracts in progress	3	€2k
Amounts receivable within one year	40/41	€14k
Cash & bank	54/58	€13k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€110k
Equity	10/15	€59k
Contributions / capital	10/11	€50k
Reserves	13	€9k
Amounts payable	17/49	€50k
Amounts payable after one year	17	€12k
Amounts payable within one year	42/48	€38k
Trade debts payable within one year	44	€9k
Income statement
Gross operating margin	9900	€67k
Operating result	9901	€9k
Financial income	75	€0
Financial charges	65	€600
Result before taxes	9903	€8k
Net result for the period	9904	€8k
Result to be appropriated	9905	€8k

This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2024 · computed

68 / 100 Healthy

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

Establishment units

1 location

Bij Jengske

Sint Jozefstraat 3, 3740 Bilzen-HoeseltCafé-restaurants (tavernen)

since 20122.214.483.472

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area2,584 m²

Buildings1

Building footprint269 m²

Volume (LiDAR)1,138 m³

Tallest building8.8 m · ±1 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

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.
73006C0337/00Z000	Flanders	2,584 m²	1 · 269 m²	8.8 m · 1 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.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

0 of 2 acts read

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.