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Complete company report
Generated 28-07-2026
Active BE 0436.268.188Public limited company

KERFIN

Beervelde-Dorp 75 ·9080 Lochristi, Belgium· 37 yrs active
Conclusion Checked

The computed 12-month bankruptcy probability of KERFIN is 0.6% (low). The 2025 annual accounts show equity of €362k and a net result of €-14k. Equity is shrinking by ~3.3% per year across the filed fiscal years. The company has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 8 annual accounts.
Key figures
Equity €362k
Net result €-14k
Active 37 yrs
Locations 1
Snowflake analysis 5 axes · computed by Checked
Health78Profitability0Solvency100Growth58Stability100
67 / 100

Strong profile, led by solvency.

Health 78
Profitability 0
Solvency 100
Growth 58
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
0.6% Low
0%0,5%1,5%4%10%≥25%
No NACE activity registered +Long track record −Lower-risk legal form −

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

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
Long-established
Founded in 1988, 37 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
Health barometer FY 2025 · computed
78 / 100 Excellent
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 08-04-2026 with the NBB · fiscal year 2025 · verkort
€-80k€-60k€-40k€-20k€0Operating result 2021: €-15k€-15kNet result 2021: €-67k€-67kOperating result 2022: €-11k€-11kNet result 2022: €-11k€-11kOperating result 2023: €-8k€-8kNet result 2023: €-9k€-9kOperating result 2024: €-15k€-15kNet result 2024: €-15k€-15kOperating result 2025: €-13k€-13kNet result 2025: €-14k€-14k20212022202320242025
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining Equity: declining trend of ~3.3%/year over 8 fiscal years, indicative, assuming unchanged policy.
€250k€300k€350k€400k€450k2026: €351k (€322k - €380k)2027: €339k (€310k - €368k)2028: €328k (€299k - €357k)2018: €458k2019: €446k2020: €428k2021: €412k2022: €401k2023: €392k2024: €376k2025: €362k20182019202020212022202320242025202620272028
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).

EBITDA
€30k
+21.4% 18-25
Net profit
€-14k
+8.9% 18-25
Cash flow
€29k
+22.3% 18-25
Total assets
€472k
-11.9% 18-25
Equity
€362k
-3.7% 18-25
Working capital
€16k
-49.9% 18-25
Income taxes
€12
-89.2% 18-25
Debt
€110k
-31.2% 18-25
Debt ≤ 1y
€5k
-48.9% 18-25
Debt > 1y
€105k
-30.0% 18-25
Current ratio
4.15
-1.5% 18-25
Quick ratio
4.15
-1.5% 18-25
Solvency
76.7%
+9.3% 18-25
Debt / equity
0.30
-28.5% 18-25
ROE
-3.9%
+5.4% 18-25
ROA
-3.0%
-3.4% 18-25
Interest coverage
47.02
+78.9% 18-25
Figures by fiscal year
Fiscal year2025
Revenue-
EBITDA€30k
Net profit€-14k
Cash flow€29k
Staff costs-
Income taxes€12
Dividends-
Total assets€472k
Equity€362k
Debt€110k
of which ≤ 1y€5k
of which > 1y€105k
Working capital€16k
Employees (FTE)-
Ratios (computed)
2025
Current ratio4.15
Quick ratio4.15
Working capital ratio3.4%
Solvency76.7%
Debt / equity0.30
Long-term debt ratio0.29
Interest coverage47.02
Gross margin-
Net margin-
ROA-3.0%
ROE-3.9%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€472k
Fixed assets 21/28€452k
Tangible fixed assets 22/27€452k
Current assets 29/58€21k
Cash & bank 54/58€20k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€472k
Equity 10/15€362k
Contributions / capital 10/11€473k
Reserves 13€7k
Accumulated profits (losses) 14€-117k
Amounts payable 17/49€110k
Amounts payable after one year 17€105k
Amounts payable within one year 42/48€5k
Income statement
Gross operating margin 9900€34k
Operating result 9901€-13k
Financial income 75€38
Financial charges 65€633
Result before taxes 9903€-14k
Income taxes 67/77€12
Net result for the period 9904€-14k
Result to be appropriated 9905€-14k
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary -
Legal form Public limited company(014)
Incorporation23-12-1988
StatusActive
Postal code9080
Establishment units 1 location
Beervelde-Dorp 75, 9080 Lochristi
Verhuur van woningen, exclusief sociale woningen
since 19892.041.854.849
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

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 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
44008B0657/00H000
ProtectedMonumentKasteeldomein van BeerveldeSource ↗
 Flanders 587 m² 1 · 469 m² 15.1 m · 3 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Updates 11 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
08-04-2026
NBB filing Annual accounts filed
fiscal year 2025 · verkort
2025
17-04-2025
State Gazette act Director changes
24-03-2025
NBB filing Annual accounts filed
fiscal year 2024 · verkort
2024
27-03-2024
NBB filing Annual accounts filed
fiscal year 2023 · verkort
2023
31-03-2023
NBB filing Annual accounts filed
fiscal year 2022 · verkort
2022
29-03-2022
NBB filing Annual accounts filed
fiscal year 2021 · verkort
2021
25-03-2021
NBB filing Annual accounts filed
fiscal year 2020 · verkort
2020
18-05-2020
NBB filing Annual accounts filed
fiscal year 2019 · verkort
2019
11-04-2019
NBB filing Annual accounts filed
fiscal year 2018 · verkort
2018
29-03-2018
NBB filing Annual accounts filed
fiscal year 2017 · verkort
2017
20-04-2017
NBB filing Annual accounts filed
fiscal year 2016 · verkort
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 1 year ago
2025
17-04-2025 6 reappointed Director changes
  • Graaf de Kerchove de Denterghem André, Bestuurder
  • Graaf de Kerchove de Denterghem Cédric, Bestuurder
  • Graaf de Kerchove de Denterghem Alexis, Bestuurder
  • Gravin de Kerchove de Denterghem Natacha, Bestuurder
  • Graaf de Kerchove de Denterghem André, Gedelegeerd bestuurder
  • Graaf de Kerchove de Denterghem André, Voorzitter
Technical details 
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  "act_meta": {
    "language": "nl",
    "pub_date": "2025-04-17",
    "filing_date": "2025-04-09",
    "act_kind_objet": "HERBENOEMING (GEDELEGEERD) BESTUURDER(S) - VOORZITTER RAAD VAN BESTUUR - MACHTEN"
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      "date": "2025-03-22",
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    "kbo": "0436.268.188",
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Credit advice verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
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Company registry (CBE) Crossroads Bank
Names & trade names
Legal nameNL KERFIN
Registered office
Beervelde-Dorp 75
9080 Lochristi, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative