Result
-€28,231 -€28,231
From profit to loss in 2025, after a profit of €22,008 in 2024.
Kender
Lifetime
3 annual accounts with figures on one time axispeak €39,750 (2024)
-€16,954▼ €56,704
lowest -€28,231 (2025)
-€28,231▼ €50,239
peak €30,678 (2024)
€2,447▼ 92.0%
€36,105▼ 12.7%
Board1 name since 2023
1 directorKENNES Lander Guibert
Documentsfilings and deeds
30-09-202661 days late
2025micro format
Gross margin from €39,750 to -€16,954Loss of €28,231Equity from €30,678 to €2,447Cash from €3,398 to €129
Key points
from the 2025 annual accountsDebts
€36,105 94% of the balance sheet
Financial debts 6%Suppliers 8%Taxes and wages 18%Other 68%
Of this, €33,128 falls due within a year.
Liquidity
0.30 was 0.95 in 2024
Short-term debts fell from €35,909 to €33,128.
Filings
3 annual accounts 61 days
Latest accounts filed late: after the legal deadline.
Starting capital
€1,000 100 shares
Position in the sector
-€28,231
Lower net result than 95% of companies in office administrative support. Sector median €16,204 · 9,692 companies.
Turnover not published (micro format)
Checked score
52
Fair
Financially stronger than 8% of micro companies in office administrative support (NACE 82)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
1.7% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 12,672 companies (NACE 82, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.9%
01-2025: 0.9%● unchanged vs 12-2024
02-2025: 0.9%● unchanged vs 01-2025
03-2025: 1.0%▲ +0.1 percentage points vs 02-2025
04-2025: 1.0%● unchanged vs 03-2025
05-2025: 1.0%● unchanged vs 04-2025
06-2025: 1.0%● unchanged vs 05-2025
07-2025: 1.0%● unchanged vs 06-2025
08-2025: 1.4%▲ +0.4 percentage points vs 07-2025
09-2025: 0.8%▼ -0.6 percentage points vs 08-2025
10-2025: 0.8%● unchanged vs 09-2025
11-2025: 0.8%● unchanged vs 10-2025
12-2025: 0.8%● unchanged vs 11-2025
01-2026: 0.7%▼ -0.1 percentage points vs 12-2025
02-2026: 0.7%● unchanged vs 01-2026
03-2026: 0.7%● unchanged vs 02-2026lowest value
04-2026: 0.8%▲ +0.1 percentage points vs 03-2026
05-2026: 0.8%● unchanged vs 04-2026
06-2026: 0.8%● unchanged vs 05-2026
07-2026: 0.8%● unchanged vs 06-2026
08-2026: 1.2%▲ +0.4 percentage points vs 07-2026
09-2026: 1.4%▲ +0.2 percentage points vs 08-2026
10-2026: 1.7%▲ +0.3 percentage points vs 09-2026highest value
11-2026: 1.7%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
Last filed accounts filed 61 days late; 3 of the last 3 accounts late
Liquidity: current ratio 0.30, cash €129, halved
lowers risk
Sector: Office administrative, office support and other business support activities (NACE 82)
Size: total assets €38,552
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 82, micro). It does better than 18% of them on solvency, 4% on liquidity, 5% on profitability and 6% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 757 companies had the same profile as Kender has now. Each dot stands for 2 companies, two years later.
86.7%
were still trading
4.8%
stopped another way
7.9%
went bankrupt
Another 0.7% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Kender itself: 1.7% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 757 companies, not a prediction for Kender. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No publishable credit limit, so credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity is insufficient, with a current ratio of 0.3 (0.95 in 2024), below 1. Short-term debt is 85.9% and cash 0.3% of total assets. 93.7% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 9696 sector peers (2025).
NBB · sector comparisonPosition among 9696 sector peers
Solvency
better than 17%
← weakest
strongest →
raises risk · 2025 accounts filed 61 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 61 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 3 filingsDeviation from the deadline
2025
61 days late
2024
31 days late
2023
31 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 41 days after the deadline. In the sector (NACE 82), the median for financial year 2024 was 7 days before the deadline, and 35% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 1 September (3 of the last 3 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0798125205
Incorporation
Founding capital of €1,000, 100 shares · Founder: KENNES Lander Guibert (shareholder) · Appointment: KENNES Lander Guibert (director) · published on 08-02-2023 · Gazette deed
First establishment
Frans Smeyersstraat 108, Scherpenheuvel-Zichem
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Kender Scherpenheuvel-Zichem | €38,552 | -€16,954 | 6.3% | - |
| RUBICON Affligem | €29,386 | -€32,593 | -127.4% | - |
| JODK Brussels | €42,451 | -€874 | 91.8% | - |
| ATNO Consulting Vosselaar | €43,016 | -€16,440 | -18.2% | - |
| MMS SERVICES SRL Tubize | €37,661 | -€3,231 | 51.2% | - |
| LZ INVEST Heusden-Zolder | €34,193 | -€1,636 | 84.6% | - |
| NIELS LAMMENS Bruges | €33,002 | -€21,653 | -57.2% | - |
These companies have the same main activity as Kender: other business support services (NACE 82990). They are comparable in size and age: total assets between €29,400 and €43,000, founded between 2022 and 2023.
Official details
Source: KBO- Status
- Active since 06-02-2023Normal situation
- Activity
- Other business support servicesNACE 82990and 2 others
- Establishment unit
- 2.342.522.1853270 Scherpenheuvel-Zichem, since 06-02-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 29-07-2024
Insights on Kender
Kender files the micro format. That format states no turnover. The gross margin fell from €12,827 in 2023 to -€16,954 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Kender
- What is the company number of Kender?
- The company number of Kender is 0798.125.205. The VAT number is the same number with BE in front: BE 0798.125.205.
- Where is Kender based?
- The registered office is at Frans Smeyersstraat 108, 3270 Scherpenheuvel-Zichem.Company details
- What does Kender do?
- According to the KBO register, the main activity is other business support services (NACE 82990).
- What is the legal form of Kender?
- Kender is a private limited company (BV).
- When was Kender founded?
- Kender was founded on 06-02-2023.
- Is Kender still active?
- Yes, Kender is an active enterprise in the KBO register.
- What is the turnover of Kender?
- The annual accounts for financial year 2025 state no turnover. The micro format does not require it.Financials
- Is Kender profitable?
- In financial year 2025, Kender made a loss of €28,231.
- Where can I find the annual accounts of Kender?
- Kender filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Kender due?
- Kender must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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