KERREMANS
ActiveSummary
KERREMANS has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €159k and a net result of €50k. Equity is growing by ~21.8% per year across the filed fiscal years. Its solvency ranks better than 69% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability94▼-1
Solvency90▲+10
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 2.72 against 2.07 in 2024; short-term debt: 35.2% and cash: 52.1% of total assets), and 35.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
64.8%
Return on assets
20.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 · 10 filingsDeviation from the deadline
2025
26 d late
2024
29 d late
2023
28 d late
2022
91 d late
2021
61 d late
2020
107 d late
2019
133 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€159k▲ 46.1%
2024 · €109k
2018: €38k
2019: €40k
2020: €42k
2021: €61k
2022: €64k
2023: €67k
2024: €109k
2018 → 2025
Total assets
€246k▲ 24.3%
2024 · €197k
2018: €151k
2019: €117k
2020: €153k
2021: €157k
2022: €149k
2023: €177k
2024: €197k
2018 → 2025
Net result
€50k▲ 21.0%
2024 · €41k
2018: €-16k
2019: €2k
2020: €2k
2021: €19k
2022: €3k
2023: €4k
2024: €41k
2018 → 2025
Working capital
€149k▲ 60.3%
2024 · €93k
2018: €-3k
2019: €8k
2020: €17k
2021: €42k
2022: €39k
2023: €43k
2024: €93k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€61k-€64k▲ 5.3%€67k▲ 5.8%€109k▲ 61.5%€159k▲ 46.1%
Operating result€26k-€7k▼ 74.5%€7k▲ 9.9%€60k▲ 717%€73k▲ 21.4%
Net result€19k-€3k▼ 82.9%€4k▲ 14.3%€41k▲ 1,027%€50k▲ 21.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 21% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €246k
Fixed assets
€11k ▼ 41.9%
Current assets
€235k ▲ 31.1%
Equity and liabilities €246k
Equity
€159k ▲ 46.1%
Debt
€86k ▼ 2.4%
Debt's share of the balance-sheet total falls from 44.8% to 35.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€80k▲
2024 · €70k
Cash flow
€58k▲
2024 · €51k
Current ratio
2.72▲
2024 · 2.07
Quick ratio
2.04▲
2024 · 0.72
Debt to equity
0.54▼
2024 · 0.81
ROE
31.5%▼
2024 · 38.1%
ROA
20.5%▼
2024 · 21.0%
Interest coverage
25.33▼
2024 · 30.98
Debt ≤ 1 year
€86k▼
2024 · €87k
Income taxes
€20k▲
2024 · €17k
Staff costs
€162k▼
2024 · €178k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€197k€246k▲
Fixed assets21/28€18k€11k▼
Intangible fixed assets21€0-
Tangible fixed assets22/27€16k€8k▼
Plant, machinery and equipment23€12k€8k▼
Furniture and vehicles24€722€455▼
Leasing and similar rights25€3k€0▼
Financial fixed assets28€3k€3k=
Current assets29/58€179k€235k▲
Stocks and contracts in progress3€117k€59k▼
Stocks30/36€46k€47k▲
Contracts in progress37€71k€12k▼
Amounts receivable within one year40/41€49k€32k▼
Trade receivables40€29k€19k▼
Other amounts receivable41€19k€13k▼
Cash at bank and in hand54/58€13k€128k▲
Deferred charges and accrued income490/1€639€16k▲
Equity and liabilities
Total equity and liabilities10/49€197k€246k▲
Equity10/15€109k€159k▲
Contributions10/11€19k€19k=
Reserves13€90k€141k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€88k€139k▲
Amounts payable17/49€89k€86k▼
Amounts payable within one year42/48€87k€86k▼
Current portion of amounts payable after more than one year42€0-
Financial debts43-€4k
Credit institutions430/8-€4k
Trade debts44€51k€56k▲
Suppliers440/4€51k€56k▲
Taxes, remuneration and social security45€36k€26k▼
Taxes450/3€12k€10k▼
Remuneration and social security454/9€24k€16k▼
Other amounts payable47/48€175€349▲
Accrued charges and deferred income492/3€2k€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€178k€162k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€8k▼
Other operating charges640/8€3k€5k▲
Gross operating margin9900€250k€247k▼
Operating profit (loss)9901€60k€73k▲
Financial income75/76B€410€486▲
Recurring financial income75€410€486▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€58k€70k▲
Income taxes67/77€17k€20k▲
Profit (loss) for the period9904€41k€50k▲
Profit (loss) for the period to be appropriated9905€41k€50k▲
Appropriation of the result
Profit (loss) to be appropriated9906€41k€50k▲
Transfer to equity691/2€41k€50k▲
To other reserves6921€41k€50k▲
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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
31-12
Financial
Highest result since 2018net €50k ▲21%
Operating result €73k, net result €50k, both a record.
31-12
Financial
Equity above €150kEq €159k ▲46.1%
7 profitable years in a row build equity to €159k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Equity above €100kEq €109k ▲61.5%
6 profitable years in a row build equity to €109k.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
30-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 91 days late
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
15-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 107 days late
2020
11-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 133 days late
2019
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
14-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 75 days late
2018
08-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 8 days late
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are 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, Puurs-Sint-Amands · 1 establishment unit since 1991
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.
Molenheide 112870 Puurs-Sint-AmandsGround area
676 m²
Building footprint
189 m²
Volume, LiDAR
956 m³
Parcel 12008A0443/00D002, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Molenheide 11, 2870 Puurs-Sint-Amands
since 19912.051.306.015
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12008A0443/00D002 | Flanders | 676 m² | 1 · 189 m² | 8.7 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.
Similar companies · same sector, comparable size
LA MIRASOL
BE 0790.354.218
Waimes · Eq €159,199
GC RAMEN & DEUREN
BE 0782.860.076
Rumst · Eq €159,070
ROOOTS.BE
BE 1003.766.193
Gavere · Eq €159,069
HARGO Schrijnwerkerij en Winkelinrichting
BE 0453.930.405
Turnhout · Eq €159,059
VAN PARYS GEERT
BE 0871.618.442
Kruisem · Eq €159,330
Of 20,024 companies in sector 43320 we hold annual accounts for 9,135. 7,588 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-01-1991
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:de_buyser_david@outlook.be