Financials
- Fiscal year
- 2025
- Total assets
- €62,195
- Profit
- €4,348
- Solvency
- -7.1%
Total assets▲ 64.4%
Net result
20192025
KERAMICO
ActiveSummary
KERAMICO has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€4,431) and a net result of €4,348. Equity is growing by ~29.7% per year across the filed fiscal years. Its solvency ranks better than 19% of 20110 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Overview
What they do
Retail sale of hardware, building materials, paint and glass (general range)
NACE 47521NACE 52461
1 site
How big
€62,195total assets 2025
- Equity
- -€4,431
- Profit
- €4,348
Turnover not published (abridged schema)
Who decides
Accounts 1 d early0 of 2 deeds read
Why 55Capped at 59: negative equity- Negative equity -€4,431- Liquidity: current ratio 0.93+ Size: total assets €62,195+ Founded in 2005Show the evidence
Checked score
Score 2025
55
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 36% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Negative equity caps the score at 59. Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency
18+16
equity -7.1% of total assets
Liquidity
0-16
short-term debt 107.1%
Profitability
60-40
return on assets 7.0%
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
- Size: total assets €62,195 lowers the probability for this profile
- Founded in 2005 lowers the probability for this profile
- Negative equity -€4,431 raises the probability
- Liquidity: current ratio 0.93 raises the probability
No credit on open account
Liquidity short (current ratio 0.93 against 0.81 in 2024; short-term debt: 107.1% of total assets), and equity is negative.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 17%, liquidity 1%, profitability 42%, growth against the median 86%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 20110 sector peers (2025).
NBB · sector comparisonPosition among 20110 sector peers
Solvency
better than 19%
← weakest
strongest →
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 29-04-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
6 d early
2022
3 d early
2021
4 d early
2020
3 d early
2019
1 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 3 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 27 April (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 close02-10-2026 today30-04-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Weakest financial yearnet €4,348 ▼79.1%
- Annual accounts filedfiscal year 2024 · micro…
Key points
- Risk: Negative equityfiscal year 2025: debts exceed assets -€4,431 View
- Caution: Among the weakest 20% on equitysector median €41,999 · 20,145 companies -€4,431 View
- Positive: Always filed on timeaccounts within the deadline every year 8 years View
- Positive: 7 profitable years in a rowprofit 2025: €4,348 7 years View
By topic
Timeline
- Events
- 12
- Since
- 2017
- Next accounts
- by 30-04-2027
- 29-04-2026Annual accounts filed
- 30-09-2025Weakest financial year
- 30-04-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Retail sale of hardware, building materials, paint and…NACE 47521
- Founded
- 13-04-2005
- Year ends
- 30-09
- Peppol
- Reachable for e-invoices
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