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Keramix

Active
Private limited company (pre-2019)·Groothandel in vloer- en wandtegels· 11 yrs active
Berkenstraat 117A ·3530 Houthalen-Helchteren, Belgium
BE 0597.980.155
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Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.

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Age11 yrs

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of Keramix is 0.8% (low). The 2024 annual accounts show equity of €40k and a net result of €-223. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 95% of 3306 sector peers (fiscal year 2024). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.

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

Trust signals

3 signals
Established
Founded in 2015, 11 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).

Administrative Flags

0 events
No administrative flags

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
0.8% Low
0%0,5%1,5%4%10%≥25%
Annual accounts: weaker financial profile +Higher-failure-rate sector +

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

Financials

Turnover€13k-90.4%
EBIT margin96.7%+96.3pp
Net result€-223+80.7%
Working capital€39k-0.1%

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 24-06-2025 with the NBB · fiscal year 2024 · micro
€-5k€0€5k€10k€15k€20kRevenue 2020: €13k€13kOperating result 2020: €12k€12kNet result 2020: €18k€18kOperating result 2021: €-1k€-1kNet result 2021: €-2k€-2kOperating result 2022: €-576€-576Net result 2022: €-2k€-2kOperating result 2023: €-968€-968Net result 2023: €-1k€-1kOperating result 2024: €-199€-199Net result 2024: €-223€-22320202021202220232024
RevenueOperating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
stable Equity: stable across 7 fiscal years (±0.2%/year).
€36k€38k€40k€42k€44k2025: €40k (€37k - €44k)2026: €40k (€37k - €44k)2027: €41k (€37k - €44k)2018: €39k2019: €39k2020: €45k2021: €43k2022: €41k2023: €40k2024: €40k2018201920202021202220232024202520262027
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 46, Wholesale trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 99.1% 25.1%
better than 95% of 3306 sector peers
Net result €-223 €4k
better than 38% of 3294 sector peers
Equity €40k €22k
better than 62% of 3313 sector peers
Total assets €40k €104k
better than 26% of 3311 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Revenue
€13k
-90.4% 18-24
EBITDA
€0
- -100% vs sector
Net profit
€-223
+80.7% far below sector median
Cash flow
€-24
+93.2% far below sector median
Total assets
€40k
-0.5% -95% vs sector
Equity
€40k
-0.6% -81% vs sector
Working capital
€39k
-0.1% -23% vs sector
Income taxes
€966
-85.5% -87% vs sector
Debt
€364
+5.2% -100% vs sector
Debt ≤ 1y
€364
+5.2% -100% vs sector
Current ratio
109.31
-5.0% far above sector median
Quick ratio
90.18
-5.0% far above sector median
Solvency
99.1%
0.0% +244% vs sector
Debt / equity
0.01
+5.8% -100% vs sector
ROE
-0.6%
+80.5% far below sector median
ROA
-0.6%
+80.6% far below sector median
Net margin
145.7%
+1381.4% 18-24
EBITDA margin
103.1%
+9857.6% 18-24
Interest coverage
0.00
- -100% vs sector
Figures by fiscal year
Fiscal year2024
Revenue-
EBITDA€0
Net profit€-223
Cash flow€-24
Staff costs-
Income taxes-
Dividends-
Total assets€40k
Equity€40k
Debt€364
of which ≤ 1y€364
of which > 1y-
Working capital€39k
Employees (FTE)-
Ratios (computed)
2024
Current ratio109.31
Quick ratio90.18
Working capital ratio97.6%
Solvency99.1%
Debt / equity0.01
Long-term debt ratio-
Interest coverage0.00
Gross margin-
Net margin-
ROA-0.6%
ROE-0.6%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€40k
Fixed assets 21/28€596
Tangible fixed assets 22/27€596
Current assets 29/58€40k
Stocks & contracts in progress 3€7k
Amounts receivable within one year 40/41€33k
Cash & bank 54/58€0
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€40k
Equity 10/15€40k
Contributions / capital 10/11€19k
Reserves 13€8k
Accumulated profits (losses) 14€14k
Amounts payable 17/49€364
Amounts payable within one year 42/48€364
Income statement
Operating result 9901€-199
Financial charges 65€24
Result before taxes 9903€-223
Net result for the period 9904€-223
Result to be appropriated 9905€-223
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2024 · computed
60 / 100 Healthy
050100

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register
seat.Municipality exact location from the address register

Establishment units

1 location
Keramix
Berkenstraat 117, 3530 Houthalen-HelchterenGroothandel in bouwmaterialen, algemeen assortiment
since 20152.240.010.607
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area1.1 ha
Buildings2
Building footprint1,066 m²
Volume (LiDAR)747 m³
Tallest building8.4 m · ±2 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 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
72015D1179/00Y005 Flanders 1.0 ha 1 · 939 m² -
72015D1179/00Z004 Flanders 1,281 m² 1 · 127 m² 8.4 m · 2 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Analysis

Snowflake analysis

financial profile on 5 axes
Health60Profitability0Solvency100Growth35Stability100
59 / 100

Mixed profile: strong on solvency, weaker on profitability.

Health 60
Profitability 0
Solvency 100
Growth 35
Stability 100

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Credit advice

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

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Company registry

Company registry (CBE)

Crossroads Bank
Activities
Groothandel in vloer- en wandtegels46735Groothandel in vloer- en wandtegels46835
Primary activity highlighted.
Names & trade names
Legal nameNL Keramix
Registered office
Berkenstraat 117A
3530 Houthalen-Helchteren, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.