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KERAMOS

Active
Public limited companyfounded 1986active for 39 yearsLeuvensesteenweg 17, 1932 Zaventem, BelgiumKBO/BCE: BE 0430.163.920
Summary

KERAMOS has been active since 1986 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.4m and a net result of -€45,121. Equity is shrinking by about 5.2% per year across the filed financial years. Its solvency ranks better than 22% of 9,701 sector peers (NACE 46, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Overview

Activity
Wholesale of construction materials, general range
NACE 46831
1 site
Size
€9.6mtotal assets 2025
Staff
2.2 FTE
Equity
€1.4m
Loss
-€45,121
Turnover not published (abbreviated or micro format)
Financial health
91 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Structure
Parent
PAKERA · 100%
Holdings
1
  • BV UNITED TILES BELGIUMManaging director · permanent representative Jef Huet
  • CommV Kaname ConsultingDirector · permanent representative Nick D'Joos
  • Covalgo BVDirector · permanent representative Jacques Donners
Accounts 29 days early2 of 6 deeds read
Why 91raises riskLiquidity: current ratio 0.06, cash €157,184lowers riskSize: total assets €9.6mFounded in 1986Figures for financial year 2025 (filed 02-07-2026)Show the evidence

Checked score

Score 2025
91 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 24% of its sector peers (NACE 46, small)
Financial strength · tick = 2024
Weak
Solvency 40-36
equity 14.9% of total assets
Liquidity 38-15
short-term debt 32.4% · cash 1.6%
Profitability 25-47
return on assets -0.5%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (4,381 companies, NACE 46, small)
Last 24 months 11-2024: < 0.1%lowest value 12-2024: < 0.1%● unchanged vs 11-2024lowest value 01-2025: < 0.1%● unchanged vs 12-2024lowest value 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: 0.1%▲ +0.1 percentage points vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.1%● unchanged vs 06-2025 08-2025: 0.2%▲ +0.1 percentage points vs 07-2025highest value 09-2025: < 0.1%▼ -0.2 percentage points vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: 0.1%▲ +0.1 percentage points vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026 08-2026: 0.1%● unchanged vs 07-2026 09-2026: 0.1%● unchanged vs 08-2026 10-2026: 0.1%● unchanged vs 09-2026
Credit of up to €130,000 on 30-day terms is acceptable
Liquidity insufficient (current ratio 0.06, compared with 6.0 in 2024, below 1; short-term debt: 32.4% and cash: 1.6% of total assets), and 85.1% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 46, small): better than 17% on solvency, 42% on liquidity, 15% on profitability and 25% on growth.

The bankruptcy probability was computed on 19-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
lowers riskraises riskneutral
lowers risk · Size: total assets €9.6m
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Liquidity: current ratio 0.06, cash €157,184
NBB · annual accounts
lowers risk · Founded in 1986
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
lowers risk · Figures for financial year 2025 (filed 02-07-2026)
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 9701 sector peers (2025).
NBB · sector comparison
Position among 9701 sector peers
Solvency
better than 22%
← weakest strongest →
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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
29 days early
2024
6 days late
2023
27 days early
2022
9 days late
2021
31 days early
2020
11 days late
2019
27 days late
← 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 5 days before the deadline; the sector median (NACE 46) for financial year 2024 is 3 days before the deadline, and 39% 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 21 July (4 of the last 4 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
20-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · abbreviated…
  2. Resignations: NV PAKERA (director and managing…Permanent representatives: Jef Huet, Jacques…
  3. Weakest financial yearnet -€45,121

Key points

  • Caution: From profit to loss in 2025after €75,723 in 2024 -€45,121 View
  • Caution: Among the weakest 12% on net resultsector median €27,137 · 9,680 companies -€45,121 View
  • Board changedlatest change 03-12-2025 · 3 in office 3 joined · 2 left View
  • Controlled by PAKERAultimately: UNITED TILES BELGIUM 100% View

By topic

Financials

Financial year
2025
Total assets
€9.6m
Loss
-€45,121
Solvency
14.9%
Total assets▲ 230%
Net result
20192025
Go to Financials

Board & ownership

Board
3 members
Parent
PAKERA · 100%
  • BV UNITED TILES BELGIUMManaging director
  • CommV Kaname ConsultingDirector
  • Covalgo BVDirector
Go to Board & ownership

Network & group

Group
UNITED TILES BELGIUM
Subsidiaries
1
Connected companies
9

1 subsidiary

Go to Network & group

Timeline

Events
43
Since
1989
Next accounts
by 31-07-2027
  1. 06-08-2025Annual accounts filed
  2. 19-03-2025Resignations: KC Management NV (director) and Argile…
  3. 04-07-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Wholesale of construction materials, general rangeNACE 46831
Founded
19-12-1986
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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