KEMPENAERS INTERIEURS
ActiveThe computed 12-month bankruptcy probability of KEMPENAERS INTERIEURS is 1.7% (moderate). The 2025 annual accounts show equity of €546k and a net result of €128k. Equity is growing by ~28.8% per year across the filed fiscal years. Its solvency ranks better than 33% of 7687 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
66
/ 100
Healthy▲ +18 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+32
Solvency47▲+14
Growth78=
Stability100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity short (current ratio 0.97 against 0.94 in 2024), and 69.5% 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 43
Relative position
BE, all sectors
reference
Sector 43
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
30.5%
Return on assets
7.2%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 7 filingsDeviation from the deadline
2025
18 d late
2024
33 d late
2023
14 d early
2022
23 d late
2021
2 d early
2020
51 d late
2019
48 d late
← before the deadline
after the deadline →
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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€546k▲ 30.6%
2024 · €418k
2019: €41k
2020: €122k
2021: €173k
2022: €280k
2023: €362k
2024: €418k
2019 → 2025
Total assets
€1.79M▲ 1.1%
2024 · €1.77M
2019: €119k
2020: €201k
2021: €262k
2022: €416k
2023: €449k
2024: €1.77M
2019 → 2025
Net result
€128k▲ 126%
2024 · €57k
2019: €26k
2020: €81k
2021: €51k
2022: €107k
2023: €81k
2024: €57k
2019 → 2025
Working capital
€-20k▲ 48.2%
2024 · €-39k
2019: €18k
2020: €106k
2021: €135k
2022: €180k
2023: €190k
2024: €-39k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€173k-€280k▲ 62.2%€362k▲ 29.0%€418k▲ 15.6%€546k▲ 30.6%
Operating result€62k-€129k▲ 110%€113k▼ 12.8%€62k▼ 44.9%€187k▲ 201%
Net result€51k-€107k▲ 110%€81k▼ 24.4%€57k▼ 30.4%€128k▲ 126%
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 201% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.79M
Fixed assets
€1.22M▲ 9.6%
Current assets
€572k▼ 13.3%
Equity and liabilities €1.79M
Equity
€546k▲ 30.6%
Debt
€1.24M▼ 8.1%
The debt ratio falls from 76.4% to 69.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€276k▲
2024 · €168k
Cash flow
€217k▲
2024 · €162k
Solvency
30.5%▲
2024 · 23.6%
Current ratio
0.97▲
2024 · 0.94
Quick ratio
0.97▲
2024 · 0.94
Debt / equity
2.28▼
2024 · 3.24
ROE
23.4%▲
2024 · 13.5%
ROA
7.2%▲
2024 · 3.2%
Interest coverage
12.23▼
2024 · 22.30
Debt
€1.24M▼
2024 · €1.35M
Debt ≤ 1 year
€593k▼
2024 · €699k
Debt > 1 year
€650k▼
2024 · €651k
Income taxes
€41k▲
2024 · €3k
Staff costs
€109k▲
2024 · €71k
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€1.77M€1.79M▲
Fixed assets21/28€1.11M€1.22M▲
Tangible fixed assets22/27€1.11M€1.22M▲
Land and buildings22€980k€1.06M▲
Plant, machinery and equipment23€112k€152k▲
Furniture and vehicles24€11k€6k▼
Other tangible fixed assets26€8k€2k▼
Current assets29/58€660k€572k▼
Amounts receivable within one year40/41€159k€35k▼
Trade receivables40€46k€10k▼
Other amounts receivable41€113k€26k▼
Cash at bank and in hand54/58€501k€537k▲
Deferred charges and accrued income490/1-€268
Equity and liabilities
Total equity and liabilities10/49€1.77M€1.79M▲
Equity10/15€418k€546k▲
Contributions10/11€15k€15k=
Reserves13€377k€505k▲
Distributable reserves133€377k€505k▲
Profit (loss) carried forward14€26k€26k=
Amounts payable17/49€1.35M€1.24M▼
Amounts payable after more than one year17€651k€650k▼
Financial debts170/4€651k€650k▼
Amounts payable within one year42/48€699k€593k▼
Current portion of amounts payable after more than one year42€24k€27k▲
Trade debts44€201k€59k▼
Suppliers440/4€201k€59k▼
Taxes, remuneration and social security45€5k€34k▲
Taxes450/3-€34k
Remuneration and social security454/9€5k-
Other amounts payable47/48€469k€473k▲
Accrued charges and deferred income492/3€3k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€71k€109k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€106k€89k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€240k€387k▲
Operating profit (loss)9901€62k€187k▲
Financial income75/76B€5k€4k▼
Recurring financial income75€5k€4k▼
Financial charges65/66B€8k€23k▲
Recurring financial charges65€8k€23k▲
Profit (loss) for the period before taxes9903€60k€169k▲
Income taxes67/77€3k€41k▲
Profit (loss) for the period9904€57k€128k▲
Profit (loss) for the period to be appropriated9905€57k€128k▲
Appropriation of the result
Profit (loss) to be appropriated9906€82k€154k▲
Profit (loss) brought forward from the previous period14P€26k€26k=
Transfer to equity691/2€57k€128k▲
To other reserves6921€57k€128k▲
Social balance
Average headcount (FTE)9087-2.0
The notes to these accounts (10 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
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 18 days late
2025
31-12
Financial
Highest result since 2019net €128k ▲126%
Operating result €187k, net result €128k, both a record.
31-12
Financial
Equity above €500kEq €546k ▲30.6%
7 profitable years in a row build equity to €546k.
02-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 33 days late
2024
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
31-12
Financial
Equity above €200kEq €280k ▲62.2%
4 profitable years in a row build equity to €280k.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €150kEq €173k ▲42.1%
3 profitable years in a row build equity to €173k.
20-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 51 days late
2020
31-12
Financial
Liquidity doublescurrent ratio 2.76
Current ratio from 1.33 to 2.76.
31-12
Financial
Equity above €100kEq €122k ▲198%
2 profitable years in a row build equity to €122k.
17-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 48 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Lier · 1 establishment unit since 2019
Ground area
7,785 m²
Parcel 12019C0130/00_000, Flanders. Linked by address, not a title deed.
1 establishment unit
KEMPENAERS INTERIEURS
since 20192.289.971.743
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12019C0130/00_000 | Flanders | 7,785 m² | - | - |
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.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 743 EUR awarded · 743 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 203 EUR | 203 EUR |
| 2024 | 1 | 540 EUR | 540 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 19,947 companies in sector 43320 we hold annual accounts for 9,084. 5,761 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-05-2019
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
31001Manufacture of furniture
31002Manufacture of furniture
31004Manufacture of dining room, living room, bedroom and bathroom furniture
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.kempenaersinterieurs.be
E-mail:info@kempenaersinterieurs.be