Knowingwhere

Active Private limited companyfounded 2020active for 6 yearsRue du Monty,Nettinne 2, 5377 Somme-LeuzeKBO/BCE: BE 0754.492.823

Knowingwhere

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Overview

Lifetime

5 annual accounts with figures on one time axis

Compare with

peak €212,050 (2024)

€101,957▼ 51.9%

lowest -€11,205 (2025)

-€11,205▼ €56,890

peak €125,765 (2022)

€97,606▼ 10.3%

€153,341▼ 19.0%

Board1 name since 2020

1 directorBONTEMPS Luc Jean-Marie Camille

Documentsfilings and deeds

09-07-202622 days before the deadline

2025micro format

Gross margin from €212,050 to €101,957Loss of €11,205Debts from €189,285 to €153,341Cash from €54,623 to €19,985

Key points

from the 2025 annual accounts

Result

-€11,205 -€11,205

From profit to loss in 2025, after a profit of €45,685 in 2024.

Turnover

≈ €170,000 estimated

The micro format states no turnover.

Liquidity

7.10 was 2.47 in 2024

Short-term debts fell from €97,023 to €29,428.

Filings

5 annual accounts 2 late

The 2022 accounts came latest: 27 days after the end of the period.

Position in the sector

-€11,205

Lower net result than 90% of companies in head offices and management consultancy. Sector median €27,132 · 39,384 companies.

Checked score

Excellent

Financially stronger than 33% of micro companies in head offices and management consultancy (NACE 70)

Probability in this band: under 0.55%

Bankruptcy probability within 12 months 0.2% Very low

0%0.5%1.5%4%10%≥ 25%

The dashed line is the sector median: 0.1% across 48,570 companies (NACE 70, micro).

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 12-2024: < 0.1% 01-2025: < 0.1%● unchanged vs 12-2024lowest value 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025 08-2025: < 0.1%● unchanged vs 07-2025 09-2025: < 0.1%● unchanged vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: 0.1%▲ +0.1 percentage points vs 06-2026 08-2026: 0.2%▲ +0.1 percentage points vs 07-2026 09-2026: 0.2%● unchanged vs 08-2026highest value 10-2026: 0.2%● unchanged vs 09-2026highest value 11-2026: 0.2%● unchanged vs 10-2026highest value

Financial strength

Weak

64+2equity 38.9% of total assets

59=short-term debt 11.7% · cash 8.0%

24-64return on assets -4.5%

Score breakdown

raises risk

Loss of €11,205 (financial year 2025)

Founded in 2020

lowers risk

Sector: Activities of head offices; management consultancy activities (NACE 70)

Size: total assets €250,947

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 70, micro). It does better than 37% of them on solvency, 50% on liquidity, 15% on profitability and 28% on growth.

The bankruptcy probability was computed on 09-11-2026 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 31-12-2025.

Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% 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, 3,440 companies had the same profile as Knowingwhere has now. Each dot stands for 9 companies, two years later.

90.1%

were still trading

7.4%

stopped another way

2.3%

went bankrupt

Micro
5 to 10 years old
solvency 30% or more
a small loss

Another 0.2% stopped without a precise date, possibly only after those two years.

The bankruptcy probability of Knowingwhere itself is lower: 0.2% within 12 months. It rests on far more data about Knowingwhere than the profile alone.

Test of the method

The method was tested on the 497,447 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.

The companies in ten equal groups, from the lowest to the highest expected share
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 3,440 companies, not a prediction for Knowingwhere. 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.

Credit verdict

Credit of up to €8,000 on 30-day terms is acceptable

Liquidity is ample, with a current ratio of 7.1 (2.47 in 2024), above the usual 1.5. Short-term debt is 11.7% and cash 8% of total assets. However, 61.1% of the assets are financed with debt and provisions.

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.

lowers riskraises riskneutral

Sector: Activities of head offices; management consultancy activities (NACE 70)

KBO

Size: total assets €250,947

Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.

NBB · annual accounts

Loss of €11,205 (financial year 2025)

NBB · annual accounts

Founded in 2020

Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.

KBO

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-07-2026, 22 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

22 days early

2024

54 days early

2023

23 days early

2022

27 days late

2021

8 days late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

The company filed its last 5 accounts on average 13 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 9 July (4 of the last 5 accounts filed within 32 days either side of that date).

Companies Code · seven months

Where today falls in the filing period

10-11-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

That holds for every publication since 2021.

KBO publications

Board and ownership

BONTEMPS Luc Jean-Marie Camille

Director, since 16-09-2020

BONTEMPS Luc all the sharesdeed of 24-04-2023

Board & ownership

Recent changes

05-06-2025

Registered in the Peppol Directory Reachable for e-invoices through 0208:0754492823

24-04-2023

Purpose change “Activité de menuiserie générale, fabrication et pose de menuiseries en bois, PVC, alu et mixtes; pose de…” (deed in French) · BONTEMPS Luc holds all the shares · General meeting of 19-04-2023 · Gazette deed

16-09-2020

Incorporation Founding capital of €10,000, 100 shares · Founder: BONTEMPS Luc Jean-Marie Camille · Appointment: BONTEMPS Luc Jean-Marie Camille (director) · published on 18-09-2020 · Gazette deed

16-09-2020

First establishment Rue du Monty,Nettinne 2, Somme-Leuze

All 13 events

Comparable companies

same main activity, similar in size and age

Company
Knowingwhere Somme-Leuze	€250,947	€101,957	38.9%	-
BFM La Bruyère	€227,502	€104,596	39.8%	-
CL CONSULT Rochefort	€249,986	€105,853	87.3%	-
CertiOne Hamois	€240,355	€119,431	1.6%	-
SF Solutions Ciney	€268,006	€115,997	86.9%	0
FIRAMA Fernelmont	€257,380	€112,679	37.4%	-
Stone Consulting Solutions Namur	€280,186	€120,984	49.7%	-

These companies have the same main activity as Knowingwhere: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €228,000 and €280,000, founded between 2019 and 2021.

Official details

Source: KBO

Status: Active since 16-09-2020Normal situation
Activity: Business and other management consultancyNACE 70200and 1 other
Establishment unit: 2.307.230.5185377 Somme-Leuze, since 16-09-2020
Financial year end: 31 December
Peppol: Reachable since 05-06-2025

Company details

Annual accounts 2025

: €101,957▼ 51.9%
: €11,205
: €97,606▼ 10.3%
: €250,947▼ 15.8%
Filing: Filed on 09-07-2026, 22 days before the end of the filing period

Financials

Insights on Knowingwhere

Knowingwhere files the micro format. That format states no turnover. The gross margin fell from €128,484 in 2021 to €101,957 in 2025.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2025

micro format, filed on 09-07-2026, 22 days before the deadline

€101,957

▼ 51.9%

-€3,462

▼ €64,753

-€11,205

▼ €56,890

€179,520

▲ 26.0%

38.9%

▲ 2.4 percentage points

7.10

▲ 4.63

Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.

Turnover ≈ €170,000. Estimated: probably between €150,000 and €210,000.

Balance sheet

balance sheet total €250,947 on 31-12-2025

What the company ownsHow it is paid for

in euro

Position in the sector

Compare with sector

38.9%

Higher than 36% of 39,368 companies in 2025.

7.10

Higher than 85% of 38,051 companies in 2025.

-4.5%

Higher than 13% of 38,523 companies in 2025.

Knowingwhere Middle half of the sector 80% of the sector Micro accounts in head offices and management consultancy (NACE 70)

Net result: bottom quarter · Equity: middle half · Balance sheet total: middle half · Working capital: top quarter

Filed annual accounts

as filed with the National Bank, click a year to choose it

Line	2025	2024	2023	2022	2021
Balance sheet: assets
`20/58`	250,947	298,097	257,431	275,642	200,313
`21/28`	41,999	58,633	24,392	37,608	54,346
`21`	0	6,370	15,370	24,370	33,370
`22/27`	41,999	52,263	9,021	13,238	20,976
`23`	3,522	4,622	-	-	-
`24`	32,977	42,140	3,521	7,738	20,976
`26`	5,500	5,500	5,500	5,500	-
`29/58`	208,948	239,464	233,040	238,034	145,967
`40/41`	187,982	119,387	77,189	120,505	124,801
`40`	171,653	118,558	75,160	119,669	124,517
`41`	16,329	829	2,029	835	284
`50/53`	0	58,498	60,000	-	-
`54/58`	19,985	54,623	91,981	116,536	18,835
`490/1`	981	6,955	3,870	993	2,331
Balance sheet: equity and liabilities
`10/49`	250,947	298,097	257,431	275,642	200,313
`10/15`	97,606	108,811	98,834	125,765	55,013
`10/11`	10,000	10,000	10,000	10,000	10,000
`13`	88,754	88,754	43,068	-	-
`133`	88,754	88,754	43,068	-	-
`14`	-1,148	10,058	45,765	115,765	45,013
`17/49`	153,341	189,285	158,598	149,877	145,300
`17`	123,913	91,747	73,087	88,941	92,625
`170/4`	10,868	18,660	0	1,854	5,538
`178/9`	113,045	73,087	73,087	87,087	87,087
`42/48`	29,428	97,023	85,039	60,441	52,675
`42`	7,793	7,499	1,854	3,683	3,650
`44`	12,832	38,451	2,703	5,510	8,561
`440/4`	12,832	38,451	2,703	5,510	8,561
`45`	7,101	8,362	5,914	37,970	2,870
`450/3`	7,101	8,362	5,914	37,970	2,870
`47/48`	1,702	42,712	74,567	13,277	37,595
`492/3`	0	515	472	495	-
Income statement
`76A`	0	11,570	-	-	-
`9900`	101,957	212,050	114,881	178,779	128,484
`630`	18,665	18,273	16,614	23,272	21,379
`640/8`	86,754	131,795	35,239	64,315	43,215
`66A`	0	690	-	-	3,145
`9901`	-3,462	61,292	63,028	91,192	60,745
`75/76B`	4,062	11,482	1,046	4,695	1,141
`75`	4,062	11,482	1,046	4,695	1,141
`65/66B`	11,441	9,619	3,092	3,816	2,557
`65`	11,441	9,619	3,092	3,816	2,557
`9903`	-10,841	63,154	60,983	92,070	59,329
`67/77`	365	17,469	17,914	20,519	13,515
`9904`	-11,205	45,685	43,068	71,552	45,813
`9905`	-11,205	45,685	43,068	71,552	45,813
Appropriation of the result
`9906`	-1,148	90,743	158,834	116,565	45,813
`14P`	10,058	45,058	115,765	45,013	-
`691/2`	0	45,685	43,068	-	-
`6921`	0	45,685	43,068	-	-
`694/7`	0	35,000	70,000	800	800
`694`	0	35,000	70,000	800	800
Document	PDF	PDF	PDF	PDF	PDF

The notes to these accounts have 15 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.

Source: Annual accounts 2025 at the NBB, filed on 09-07-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank

Financial year	Type	Filed	Reference	Document
31-12-2025	micro format	09-07-2026	2026-00272278	PDF
31-12-2024	micro format	07-06-2025	2025-00125697	PDF
31-12-2023	micro format	08-07-2024	2024-00226863	PDF
31-12-2022	micro format	27-08-2023	2023-00357768	PDF
31-12-2021	micro format	08-08-2022	2022-20275807	PDF

Key figures and ratios

per financial year, computed from the annual accounts

2025	2024	2023	2022	2021
15,203	79,565	79,642	114,464	82,124
7,459	63,958	59,682	94,824	67,193
2,030	54,233	3,397	6,534	86,724
-34,638	-37,357	-24,556	97,701	-
179,520	142,440	148,001	177,593	93,291
38.9%	36.5%	38.4%	45.6%	27.5%
7.10	2.47	2.74	3.94	2.77
1.57	1.74	1.60	1.19	2.64
-11.5%	42.0%	43.6%	56.9%	83.3%
-4.5%	15.3%	16.7%	26.0%	22.9%
1.33	8.27	25.76	29.99	32.12

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Investments

fixed assets acquired

Item	2025	2024	2023	2022	2021
Tangible fixed assets	€2,030	€54,233	€3,397	€6,534	€41,724
Intangible fixed assets	-	-	-	-	€45,000
Financial fixed assets	€0	-	-	-	-
	€18,665	€18,273	€16,614	€23,272	€21,379

Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)

Insights on Knowingwhere

The operating result for 2025 is a loss of €3,462, after a profit of €61,292 in 2024. It is the lowest result since 2021.

Debt's share of the balance-sheet total falls from 63.5% to 61.1%. Equity and debt are lower.

Board & ownership

Board

1 director, since incorporation

BONTEMPS Luc Jean-Marie Camille

Director

since 16-09-2020 term without a fixed end

listed in the 2025 annual accounts, filed on 09-07-2026

Signing authority: “S’il n’y a qu’un seul administrateur, la totalité des pouvoirs d’administration lui est attribuée, avec la faculté de déléguer partie de…”
deed of 18-09-2020

Office holders in the KBO →

Mandates through the years

1 name, the dashed line is today

BONTEMPS Luc Jean-Marie Camille
Director

Board

Mandates as a list

BONTEMPS Luc Jean-Marie Camille
- Director, from 16-09-2020 to date

See the board, name and registered office on a given date →

Control

Shareholder

BONTEMPS Luc

This company

Knowingwhere

Equity €97,606

Loss €11,205 in 2025

Capital

Contribution: €10,000
Shares: 100
Contribution per share: €100
Equity per share: €976 in 2025
Source: deed of 18-09-2020

Articles of association

deed of 18-09-2020 (in French)

Duration: Unlimited
Board rule: At least 1 director
“Rémunération et gestion journalière, majorité absolue des voix”
Annual meeting: Fourth Friday of June at 18:00
Statutory auditor: No statutory auditor

Shareholders

Stated in the deed deed of 24-04-2023 ↗

BONTEMPS Luc all shares

At incorporation deed of 18-09-2020 ↗

BONTEMPS Luc Jean-Marie Camille 100 shares (100%) · €10,000

Network & group

No group

Knowingwhere has no parent and no holdings in its annual accounts. BONTEMPS Luc Jean-Marie Camille is the only director. Knowingwhere shares no director with another company.

Timeline

13 events since 2020

Filings

Financial

Establishments

Other

2020202220242026

Deadline for the 2026 accounts: 31-07-2027

2026

09-07-2026

Annual accounts 2025 filed NBBmicro format · 22 days before the deadline

2025

31-12-2025

Weakest financial year net -€11,205 The net result drops to -€11,205, the lowest from 2021 to 2025.

31-12-2025

Liquidity more than doubled current ratio 7.10 The current ratio rises from 2.47 to 7.10. Short-term debt falls from €97,023 to €29,428.

07-06-2025

Annual accounts 2024 filed PDFmicro format · 54 days before the deadline

05-06-2025

Registered in the Peppol Directory Reachable for e-invoices through 0208:0754492823

2024

08-07-2024

Annual accounts 2023 filed PDFmicro format · 23 days before the deadline

2023

27-08-2023

Annual accounts 2022 filed PDFmicro format · 27 days late

24-04-2023

Purpose change“Activité de menuiserie générale, fabrication et pose de menuiseries en bois, PVC, alu et mixtes; pose de…” (deed in French) · BONTEMPS Luc holds all the shares · General meeting of 19-04-20232 points ▸

General meeting, 19-04-2023
BONTEMPS Luc holds all the shares
The deed holds 1 more point.

Open the deed in the Belgian Official Gazette

2022

31-12-2022

Highest result from 2021 to 2025 net €71,552 ▲56.2% The operating result of €91,192 and the net result of €71,552 are both a record.

31-12-2022

Equity above €100,000 equity €125,765 ▲129% With a profit in every financial year since 2021, equity grows to €125,765.

08-08-2022

Annual accounts 2021 filed PDFmicro format · 8 days late

2020

16-09-2020

IncorporationFounding capital of €10,000, 100 shares · Founder: BONTEMPS Luc Jean-Marie Camille · Appointment: BONTEMPS Luc Jean-Marie Camille (director) · published on 18-09-20205 points ▸

Founder, BONTEMPS Luc Jean-Marie Camille
Founding capital, €10,000, 100 shares
Registered office clause, rue du Monty, 2 à 5377 Nettinne
Board rule, 1
Director appointment, BONTEMPS Luc Jean-Marie Camille
The deed holds 3 more points.

Open the deed in the Belgian Official Gazette

16-09-2020

First establishment Rue du Monty,Nettinne 2, Somme-Leuze

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official Gazette Filings with the National Bank

History

On 16 September 2020, Knowingwhere was incorporated as a private limited company by one natural person, with a starting capital of €10,000.¹² BONTEMPS Luc Jean-Marie Camille has served as director since 2020.³ Total assets went from €200,313 in 2021 to €250,947 in 2025.⁴

Company details

Identity

Enterprise number: 0754.492.823
VAT number: BE 0754.492.823
Peppol ID: 0208:0754492823
Legal form: Private limited company
Status: Active, normal situation
Founded: 16-09-2020
Financial year: ends on 31 December
Annual meeting: Fourth Friday of June at 18:00
deed of 18-09-2020 (in French)
Peppol: Reachable since 05-06-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
Name: Knowingwhere in French
Entity type: Legal entity
Duration: Unlimited
deed of 18-09-2020 (in French)

Activities

NACEBEL 2025

70200 Business and other management consultancy main activity

46500 Wholesale of information and communication equipment

Codes under NACEBEL 2008

70220 Business consulting main activity

46510 Wholesale trade

Purpose: “Activité de menuiserie générale, fabrication et pose de menuiseries en bois, PVC, alu et mixtes; pose de volets battants ; pose de volets…”
2 activities
Activité de menuiserie générale, fabrication et pose de menuiseries en bois, PVC, alu et mixtes; pose de volets battants ; pose de volets roulants ; pose de motorisations volets et portails ; fabrication et pose de mobiliers et agencements intérieurs ; fabrication et pose de cuisines ; pose revêtements de sol bois massif ou stratifié; fabrication et pose d’ossature bois ; pose de bardage en bois ; pose terrasse bois et composite ; pose cloisons modulaires ; pose de faux plafonds ; fabrication et pose de petites charpentes ; fabrication d’objets en bois : utilitaires, décoratifs ou artistiques.
Production d’œuvres d’art en toute matière et sous toutes formes.
deed of 24-04-2023 (in French)

Registered office and establishments

1 establishment

Establishment	Since	Unit number
Rue du Monty,Nettinne 2 registered office 5377 Somme-Leuze	16-09-2020	2.307.230.518

Buildings and parcels at the address

Ground area: 4,843 m²
Buildings: 124 m²
Volume, LiDAR: 1,006 m³
Tallest building: 13.0 m

Buildings to scale, each on its own parcel

registered office establishment The establishment unit on the map

Parcels

Cadastral parcel	Area	Buildings	Height / floors
91100C0186/00E000	4,843 m²	1 · 124 m²	13.0 m · 3

Contact

E-mail luc.bontemps@knowingwhere.be

Phone +32 476 29 27 83

Overview

Lifetime

Key points

Result

Turnover

Liquidity

Filings

Starting capital

Position in the sector

Checked score

Score breakdown

Comparable companies, two years later

Credit verdict

Signals

Board and ownership

Recent changes

Comparable companies

Official details

Annual accounts 2025

Insights on Knowingwhere

Financials

Annual accounts 2025

Balance sheet

Change in equityin euro

Change in cashin euro

Position in the sector

Solvency38.9%

Current ratio7.10

Return on assets-4.5%

Filed annual accounts

Filings

Key figures and ratios

Investments

Insights on Knowingwhere

Board & ownership

Board

Mandates through the years

Control

Capital

Articles of association

Shareholders

Network & group

No group

Timeline

Timeline

History

Company details

Identity

Activities

Registered office and establishments

Buildings and parcels at the address

Location

Parcels

Contact

in euro

in euro

38.9%

7.10

-4.5%