Payment terms
3 days to suppliers
KLM pays its suppliers 2 days earlier than in 2025. Customers pay 32 days later.
KLM
Lifetime
2 annual accounts with figures on one time axispeak €73,341 (2026)
€73,341▲ 2.7%
lowest -€1,540 (2026)
-€1,540▼ €9,203
peak €10,664 (2025)
€9,124▼ 14.4%
€6,083▼ 34.4%
Board1 name since 2024
1 directorLA MATINA Nicolo
Documentsfilings and deeds
29-10-20262 days before the deadline
2026micro format
Gross margin from €11,124 to €1,439Loss of €1,540Equity from €10,664 to €9,124Debts from €9,271 to €6,083Cash from €11,966 to €1,368
Key points
from the 2026 annual accountsStarting capital
€3,000 300 shares
Position in the sector
-€1,540
Lower net result than 86% of companies in construction of buildings. Sector median €13,148 · 351 companies.
Checked score
51
Fair
Financially stronger than 40% of micro companies in construction of buildings (NACE 41)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.7% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,460 companies (NACE 41, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
05-2025: 3.6%
06-2025: 3.7%▲ +0.1 percentage points vs 05-2025
07-2025: 3.7%● unchanged vs 06-2025
08-2025: 4.2%▲ +0.5 percentage points vs 07-2025
09-2025: 4.5%▲ +0.3 percentage points vs 08-2025
10-2025: 4.5%● unchanged vs 09-2025
11-2025: 5.0%▲ +0.5 percentage points vs 10-2025highest value
12-2025: 0.9%▼ -4.1 percentage points vs 11-2025
01-2026: 0.9%● unchanged vs 12-2025
02-2026: 0.9%● unchanged vs 01-2026lowest value
03-2026: 0.9%● unchanged vs 02-2026
04-2026: 1.0%▲ +0.1 percentage points vs 03-2026
05-2026: 1.0%● unchanged vs 04-2026
06-2026: 1.0%● unchanged vs 05-2026
07-2026: 1.1%▲ +0.1 percentage points vs 06-2026
08-2026: 1.1%● unchanged vs 07-2026
09-2026: 1.2%▲ +0.1 percentage points vs 08-2026
10-2026: 1.2%● unchanged vs 09-2026
11-2026: 2.7%▲ +1.5 percentage points vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Founded in 2024
Sector: Construction of residential and non-residential buildings (NACE 41)
Size: turnover €73,341, total assets €15,207
lowers risk
Equity €9,124 (60.0% of total assets)
Calculation
The band follows from the bankruptcy probability. 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 41, micro). It does better than 69% of them on solvency, 40% on liquidity, 14% on profitability and 37% on growth.
The bankruptcy probability was computed on 10-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-03-2026.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 3,223 companies had the same profile as KLM has now. Each dot stands for 9 companies, two years later.
87.8%
were still trading
8.7%
stopped another way
3.4%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of KLM itself: 2.7% within 12 months.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 3,223 companies, not a prediction for KLM. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 29-10-2026, 2 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2026
2 days early
2025
4 days early
← before the deadline
after the deadline →
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-03-2027 year end31-10-2027 deadline
Board and ownership
- LA MATINA Nicolo 270 sharesdeed of 09-04-2024
- LA MATINA Angelo 30 sharesdeed of 09-04-2024
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1008070817
Incorporation
Founding capital of €3,000, 300 shares · Founders: LA MATINA Nicolo and LA MATINA Angelo · Appointment: LA MATINA Nicolo (director) · published on 09-04-2024 · Gazette deed
First establishment
Rue Julien Schmidt 1, Charleroi
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| KLM Charleroi | €73,341 | 0.9% | 60.0% | - |
| TILIA DESIGN Uccle | - | - | -1.0% | - |
| ConstructVision Zaventem | - | - | 68.2% | - |
| BOUWWERKEN HLB Hamme (Vl.) | - | - | 23.3% | - |
| MSD CONSTRUCT Charleroi | - | - | -61.7% | - |
| ANCRE RENOVATION Zaventem | €153,679 | -7.5% | -30.2% | - |
| IMPAIR SOLUTION Brussels | - | - | -16.7% | - |
Grey: the largest companies of the sector (construction of buildings (NACE 41)), without their names. Blue: the sector peers from the table.
These companies have the same main activity as KLM: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €14,300 and €17,900, founded between 2023 and 2024.
Official details
Source: KBO- Status
- Active since 05-04-2024Normal situation
- Activity
- General construction of residential buildingsNACE 41001and 1 other
- Establishment unit
- 2.358.334.5716020 Charleroi, since 05-04-2024
- Financial year end
- 31 March
- Peppol
- Reachable since 06-01-2026
Annual accounts to 31-03-2026
- €15,207▼ 23.7%
- Filing
- Filed on 29-10-2026, 2 days before the end of the filing period
Insights on KLM
Solvency rose in 2026 from 53.5% to 60.0% because of lower debts.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about KLM
- What is the company number of KLM?
- The company number of KLM is 1008.070.817. The VAT number is the same number with BE in front: BE 1008.070.817.
- Where is KLM based?
- The registered office is at Rue Julien Schmidt 1B, 6020 Charleroi.Company details
- What does KLM do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of KLM?
- KLM is a private limited company (BV).
- When was KLM founded?
- KLM was founded on 05-04-2024.
- Is KLM still active?
- Yes, KLM is an active enterprise in the KBO register.
- What is the turnover of KLM?
- The turnover of KLM was €73,341 in financial year 2026, according to the filed annual accounts.Financials
- Is KLM profitable?
- In financial year 2026, KLM made a loss of €1,540.
- Where can I find the annual accounts of KLM?
- KLM filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2026.
- When are the next annual accounts of KLM due?
- KLM must file the annual accounts for financial year 2027 by 31-10-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
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