KEMPEN BEHEER
ActiveSummary
KEMPEN BEHEER has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €890k and a net result of €137k. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 83% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
94
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▲+8
Solvency100=
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €80k at 30 days acceptable
Liquidity ample (current ratio 5.24 against 3.97 in 2024; short-term debt: 12.6% and cash: 34.1% of total assets), and 12.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
87.4%
Return on assets
13.4%
Age of the figures
9 mo
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 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
5 d late
2023
40 d early
2022
22 d late
2021
33 d early
2020
60 d early
2019
25 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€890k▲ 11.5%
2024 · €798k
2018: €849k
2019: €935k
2020: €964k
2021: €892k
2022: €807k
2023: €855k
2024: €798k
2018 → 2025
Total assets
€1.02M▲ 7.3%
2024 · €949k
2018: €855k
2019: €957k
2020: €1.03M
2021: €897k
2022: €891k
2023: €885k
2024: €949k
2018 → 2025
Net result
€137k▲ 90.0%
2024 · €72k
2018: €84k
2019: €86k
2020: €64k
2021: €2k
2022: €173k
2023: €90k
2024: €72k
2018 → 2025
Working capital
€542k▲ 22.2%
2024 · €444k
2018: €543k
2019: €638k
2020: €675k
2021: €257k
2022: €530k
2023: €588k
2024: €444k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€892k-€807k▼ 9.6%€855k▲ 6.0%€798k▼ 6.7%€890k▲ 11.5%
Operating result€5k-€181k▲ 3,440%€136k▼ 25.0%€89k▼ 34.5%€175k▲ 97.2%
Net result€2k-€173k▲ 10,964%€90k▼ 47.6%€72k▼ 20.4%€137k▲ 90.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 97% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.02M
Fixed assets
€348k ▼ 2.1%
Current assets
€670k ▲ 12.9%
Equity and liabilities €1.02M
Equity
€890k ▲ 11.5%
Debt
€128k ▼ 15.0%
Debt's share of the balance-sheet total falls from 15.9% to 12.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€188k▲
2024 · €106k
Cash flow
€149k▲
2024 · €89k
Current ratio
5.24▲
2024 · 3.97
Debt to equity
0.14▼
2024 · 0.19
ROE
15.4%▲
2024 · 9.0%
ROA
13.4%▲
2024 · 7.6%
Interest coverage
229.33▼
2024 · 562.47
Debt ≤ 1 year
€128k▼
2024 · €150k
Income taxes
€44k▲
2024 · €17k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 56 lines
Balance sheet
Code20242025
Assets
Total assets20/58€949k€1.02M▲
Fixed assets21/28€355k€348k▼
Tangible fixed assets22/27€355k€348k▼
Land and buildings22€257k€249k▼
Furniture and vehicles24€98k€99k▲
Financial fixed assets28€238€238=
Current assets29/58€593k€670k▲
Amounts receivable after more than one year29€121k€121k=
Other amounts receivable291€121k€121k=
Amounts receivable within one year40/41€65k€59k▼
Trade receivables40€41k€35k▼
Other amounts receivable41€25k€24k▼
Current investments50/53€156k€81k▼
Cash at bank and in hand54/58€180k€348k▲
Deferred charges and accrued income490/1€70k€60k▼
Equity and liabilities
Total equity and liabilities10/49€949k€1.02M▲
Equity10/15€798k€890k▲
Contributions10/11€152k€152k=
Capital10€152k€152k=
Issued capital100€152k€152k=
Reserves13€634k€726k▲
Non-distributable reserves130/1€15k€15k=
Legal reserve130€15k€15k=
Distributable reserves133€619k€711k▲
Profit (loss) carried forward14€12k€12k▲
Amounts payable17/49€150k€128k▼
Amounts payable within one year42/48€150k€128k▼
Trade debts44€152€2k▲
Suppliers440/4€152€2k▲
Taxes, remuneration and social security45€6k€8k▲
Taxes450/3€6k€8k▲
Other amounts payable47/48€143k€118k▼
Accrued charges and deferred income492/3€897€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€13k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€2k€0▼
Other operating charges640/8€2k€6k▲
Non-recurring operating charges66A-€33k
Gross operating margin9900€110k€227k▲
Operating profit (loss)9901€89k€175k▲
Financial income75/76B€4k€6k▲
Recurring financial income75€4k€6k▲
Financial charges65/66B€4k€821▼
Recurring financial charges65€188€821▲
Non-recurring financial charges66B€4k€0▼
Profit (loss) for the period before taxes9903€89k€181k▲
Income taxes67/77€17k€44k▲
Profit (loss) for the period9904€72k€137k▲
Profit (loss) for the period to be appropriated9905€72k€137k▲
Appropriation of the result
Profit (loss) to be appropriated9906€84k€149k▲
Profit (loss) brought forward from the previous period14P€12k€12k▲
Transfer from equity791/2€129k€45k▼
Transfer to equity691/2€72k€137k▲
To other reserves6921€72k€137k▲
Profit to be distributed694/7€129k€45k▼
Return on contributions (dividend)694€84k€0▼
Directors or managers695€45k€45k=
The notes to these accounts (9 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
05-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 5 days late
2024
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity triplescurrent ratio 20.76
Current ratio from 7.34 to 20.76; short-term debt falls from €84k to €30k.
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
31-12
Financial
Highest result since 2018net €173k ▲10964%
Operating result €181k, net result €173k, both a record.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €2k ▼97.5%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 5current ratio 59.41
Current ratio from 12.07 to 59.41; short-term debt falls from €61k to €4k.
01-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
21-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
10-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 10 days late
2017
15-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Antwerpen · 1 establishment unit since 1994
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.
Londenstraat 32000 AntwerpenGround area
1,053 m²
Building footprint
913 m²
Parcel 11807G1457/19Y000, Flanders. Linked by address, not a title deed.
1 establishment unit
Londenstraat 3, 2000 Antwerpen
since 19942.068.713.753
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11807G1457/19Y000 | Flanders | 1,053 m² | 1 · 913 m² | 0.0 m |
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.
Recognitions · licences · registrations
Legal Entity Identifier
967600M20YXHK97UC084
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 29,119 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded02-09-1994
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.