KETS CONSTRUCT

Active

Private limited companyfounded 20224 yrs activeFrederik Peltzerstraat 76, 2500 Lier, BelgiumKBO/BCE: BE 0780.958.084

The computed 12-month bankruptcy probability of KETS CONSTRUCT is 2.5% (moderate). The 2025 annual accounts show equity of €36k and a net result of €-8k. Equity is growing by ~3.6% per year across the filed fiscal years. Its solvency ranks better than 44% of 7318 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

58 / 100

Fair▼ -29 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability0▼-49

Solvency81▲+1

Growth32▼-20

Stability94

Bankruptcy probability, 12 months

2.5% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €2k at 30 days acceptable

Liquidity ample (current ratio 2.41 against 2.33 in 2024), but 62% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 41

Relative position

BE, all sectors

reference

Sector 41

higher

← fewer bankruptcies more bankruptcies →

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 2025

Solvency, return and age of the figures

Solvency

38%

Return on assets

-8.6%

Age of the figures

8 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-07-2026, 8 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

8 d early

2024

16 d early

2023

34 d early

2022

7 d early

← before the deadline after the deadline →

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 months

Position in the running window

14-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€36k▼ 18.5%

2024 · €44k

2022: €37k 2023: €40k 2024: €44k

2022 → 2025

Total assets

€94k▼ 20.9%

2024 · €119k

2022: €282k 2023: €138k 2024: €119k

2022 → 2025

Net result

€-8k

2024 · €4k

2022: €32k 2023: €3k 2024: €4k

2022 → 2025

Working capital

€46k▼ 13.8%

2024 · €54k

2022: €69k 2023: €56k 2024: €54k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Equity€37k-€40k▲ 8.3%€44k▲ 10.8%€36k▼ 18.5%

Operating result€42k-€8k▼ 81.8%€9k▲ 17.3%€-6k

Net result€32k-€3k▼ 90.4%€4k▲ 40.8%€-8k

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 €6k after €9k in 2024, the lowest year so far.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €94k

15.4%

84.6%

Fixed assets €15k▼ 40.4%

Current assets €79k▼ 15.9%

Equity and liabilities €94k

38.0%

62.0%

Equity €36k▼ 18.5%

Debt €58k▼ 22.4%

The debt ratio falls from 63.1% to 62.0%: debt falls faster than equity shrinks.

Key figures and ratios

2025 value · change against 2024

EBITDA

€4k▼

2024 · €20k

Cash flow

€2k▼

2024 · €15k

Solvency

38.0%▲

2024 · 36.9%

Current ratio

2.41▲

2024 · 2.33

Quick ratio

2.41▲

2024 · 2.33

Debt / equity

1.63▼

2024 · 1.71

ROE

-22.6%▼

2024 · 9.8%

ROA

-8.6%▼

2024 · 3.6%

Interest coverage

1.81▼

2024 · 6.54

Debt

€58k▼

2024 · €75k

Debt ≤ 1 year

€33k▼

2024 · €41k

Debt > 1 year

€25k▼

2024 · €34k

Income taxes

€27▼

2024 · €2k

Staff costs

€97k▼

2024 · €123k

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€119k€94k▼

Fixed assets21/28€24k€15k▼

Tangible fixed assets22/27€24k€14k▼

Plant, machinery and equipment23€21k€13k▼

Furniture and vehicles24€3k€1k▼

Financial fixed assets28€336€336=

Current assets29/58€95k€79k▼

Amounts receivable within one year40/41€34k€28k▼

Trade receivables40€31k€25k▼

Other amounts receivable41€2k€2k▼

Cash at bank and in hand54/58€59k€49k▼

Deferred charges and accrued income490/1€2k€3k▲

Equity and liabilities

Total equity and liabilities10/49€119k€94k▼

Equity10/15€44k€36k▼

Contributions10/11€5k€5k=

Reserves13€39k€31k▼

Distributable reserves133€39k€31k▼

Amounts payable17/49€75k€58k▼

Amounts payable after more than one year17€34k€25k▼

Financial debts170/4€34k€25k▼

Amounts payable within one year42/48€41k€33k▼

Current portion of amounts payable after more than one year42€15k€9k▼

Trade debts44€23k€19k▼

Suppliers440/4€23k€19k▼

Taxes, remuneration and social security45€2k€4k▲

Taxes450/3€2k€2k▲

Remuneration and social security454/9-€2k

Other amounts payable47/48€1k€689▼

Income statement Code20242025

Remuneration, social security and pensions62€123k€97k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€10k▼

Other operating charges640/8€1k€893▼

Gross operating margin9900€144k€102k▼

Operating profit (loss)9901€9k€-6k▼

Financial income75/76B€0-

Recurring financial income75€0-

Financial charges65/66B€3k€2k▼

Recurring financial charges65€3k€2k▼

Profit (loss) for the period before taxes9903€6k€-8k▼

Income taxes67/77€2k€27▼

Profit (loss) for the period9904€4k€-8k▼

Profit (loss) for the period to be appropriated9905€4k€-8k▼

Appropriation of the result

Profit (loss) to be appropriated9906€4k€-8k▼

Transfer from equity791/2-€8k

Transfer to equity691/2€4k€0▼

To other reserves6921€4k€0▼

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 5Financial 1Filings 4

Next filing, fiscal year 2026, expected by 31-07-2027

2026

23-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Weakest financial yearnet €-8k ▼289%

Net result drops to €-8k, the lowest in the series.

15-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

27-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

24-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

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, Lier · 1 establishment unit since 2022

establishment The establishment unit on the map

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.

Frederik Peltzerstraat 762500 Lier

Ground area

1.1 ha

Building footprint

1,090 m²

Volume, LiDAR

5,650 m³

Parcel 12392A0596/00E003, Flanders · tallest building 39.4 m, ±1 floor. Linked by address, not a title deed.

1 establishment unit

KETS CONSTRUCT

Frederik Peltzerstraat 76, 2500 LierConstruction of residential and non-residential buildings

since 20222.327.073.451

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
12392A0596/00E003 ProtectedCultural-historical landscapeOmleidingskanaal van de Nete en de WandelingSource ↗	Flanders	1.1 ha	1 · 1,090 m²	39.4 m · 1 fl.