Kerpel
ActiveThe computed 12-month bankruptcy probability of Kerpel is 2.3% (moderate). The annual accounts of Kerpel for fiscal year 2025 show a net loss of 54% of the equity at the start of that year. The 2025 annual accounts show equity of €3k and a net result of €-3k. Its solvency ranks better than 23% of 18281 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
35
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability34▼-12
Solvency26▼-2
Growth32
Track record82
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; 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 tight (current ratio 1.01 against 1.03 in 2024; short-term debt: 98.9% and cash: 12.2% of total assets), and 98.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
1.1%
Return on assets
-1.4%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 18281 sector peers (2025).
NBB · sector comparisonPosition among 18281 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filingsDeviation from the deadline
2025
28 d late
2024
7 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€3k▼ 54.5%
2024 · €6k
2024: €6k
2024 → 2025
Total assets
€249k▲ 31.2%
2024 · €190k
2024: €190k
2024 → 2025
Net result
€-3k
2024 · €6k
2024: €6k
2024 → 2025
Working capital
€3k▼ 54.5%
2024 · €6k
2024: €6k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€6k-€3k▼ 54.5%
Operating result€8k-€-3k
Net result€6k-€-3k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €3k after €8k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €249k
Equity
€3k▼ 54.5%
Debt
€246k▲ 34.1%
The debt ratio rises from 96.7% to 98.9%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
1.1%▼
2024 · 3.3%
Current ratio
1.01▼
2024 · 1.03
Quick ratio
0.71▼
2024 · 0.75
Debt / equity
86.31▲
2024 · 29.31
ROE
-119.6%▼
2024 · 98.4%
ROA
-1.4%▼
2024 · 3.2%
Debt
€246k▲
2024 · €183k
Debt ≤ 1 year
€246k▲
2024 · €183k
Income taxes
€0▼
2024 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€190k€249k▲
Current assets29/58€190k€249k▲
Stocks and contracts in progress3€53k€74k▲
Stocks30/36€53k€74k▲
Amounts receivable within one year40/41€125k€144k▲
Trade receivables40€108k€114k▲
Other amounts receivable41€18k€31k▲
Cash at bank and in hand54/58€11k€30k▲
Equity and liabilities
Total equity and liabilities10/49€190k€249k▲
Equity10/15€6k€3k▼
Contributions10/11€100€100=
Profit (loss) carried forward14€6k€3k▼
Amounts payable17/49€183k€246k▲
Amounts payable within one year42/48€183k€246k▲
Trade debts44€148k€231k▲
Suppliers440/4€148k€231k▲
Taxes, remuneration and social security45€13k€15k▲
Taxes450/3€13k€15k▲
Other amounts payable47/48€22k€0▼
Income statement
Code20242025
Other operating charges640/8-€259
Gross operating margin9900€8k€-3k▼
Operating profit (loss)9901€8k€-3k▼
Financial income75/76B-€28
Recurring financial income75-€28
Financial charges65/66B€40€392▲
Recurring financial charges65€40€392▲
Profit (loss) for the period before taxes9903€8k€-3k▼
Income taxes67/77€2k€0▼
Profit (loss) for the period9904€6k€-3k▼
Profit (loss) for the period to be appropriated9905€6k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€6k€3k▼
Profit (loss) brought forward from the previous period14P-€6k
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Tervuren · 1 establishment unit since 2024
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Sint-Pauluslaan 443080 TervurenGround area
1,145 m²
Building footprint
103 m²
Volume, LiDAR
716 m³
Parcel 24114B0508/00A000, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kerpel
since 20242.356.086.052
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24114B0508/00A000 | Flanders | 1,145 m² | 1 · 103 m² | 10.0 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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STELLA CORP
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DE MANESCHIJN
BE 0671.942.853
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BE 1005.151.909
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NATIONAL EURO TRAVEL
BE 0832.768.853
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Of 12,959 companies in sector 47120 we hold annual accounts for 2,190. 762 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-01-2024
Fiscal year end31-12
Activities, NACEBEL
47120Other non-specialised retail sale
47910Retail trade
46190Agents in non-specialised wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.