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Complete company report
Generated 04-09-2026
Active BE 0445.629.579Private limited company

KREFAM

Drie Egyptenbaan 11 ·1755 Pajottegem, Belgium· 34 yrs active
Sector: Event catering (56210)
Conclusion Checked

KREFAM has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.72M and a net result of €80k. Equity remains stable across the filed fiscal years (±1.6% per year). Its solvency ranks better than 34% of 158 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).

Based on the State Gazette, CBE and 3 annual accounts.
Key figures
Equity €1.72M
Net result €80k
Better than sector 34%
Active 34 yrs
Financial profile 5 of 5 axes measured · computed by Checked
Health69Profitability23Solvency44Growth58Stability100
59 / 100

Mixed profile: strong on stability, weaker on profitability.

All 5 axes are computed from data Checked has read.

Health 69
Profitability 23
Solvency 44
Growth 58
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
0.8% Low
0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Long-established
Founded in 1991, 34 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score FY 2025 · computed
69 / 100 Healthy
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€120k
estimate, not credit advice
Score history
74 2023
45 2024
69 2025
purely financial, excl. current insolvency signals
Score components
Liquidity Current ratio 5.54 (≥ 1.5) +10
Quick ratio Quick ratio 5.54 (≥ 1.0) +5
Leverage Debt/equity 5.03 (> 3.0) -10
Profitability ROE 5% +3
Interest coverage Interest coverage 2.8× +3
Profit trend Net profit up YoY +5
Equity growth Equity growing YoY +3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview34 NBB filings
Annual accounts filed on 30-07-2026 with the NBB · fiscal year 2025 · abbreviated schema
€-200k€0€200k€400kOperating result 2023: €94k€94kNet result 2023: €55k€55kOperating result 2024: €58k€58kNet result 2024: €-136k€-136kOperating result 2025: €305k€305kNet result 2025: €80k€80k202320242025
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Net result: growth of ~15.8%/year over 3 fiscal years, indicative, assuming unchanged policy.
€-200k€-100k€0€100k2026: €92k (€86k - €99k)2027: €105k (€98k - €111k)2028: €117k (€111k - €124k)2023: €55k2024: €-136k2025: €80k202320242025202620272028
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2025 · NACE 56, Food and beverage service activities · compared within the same schema type (abbreviated schema)
Metric This company Sector median Position in the sector
Solvency 16.6% 32.3%
better than 34% of 158 sector peers
Net result €80k €18k
better than 74% of 158 sector peers
Equity €1.72M €103k
better than 95% of 158 sector peers
Gross operating margin €897k €312k
better than 90% of 157 sector peers
Total assets €10.38M €449k
better than 95% of 158 sector peers
EBITDA
€777k
+61.5% 23-25
Net profit
€80k
- 23-25
Cash flow
€551k
+91.9% 23-25
Total assets
€10.38M
+38.1% 23-25
Equity
€1.72M
+4.9% 23-25
Working capital
€2.11M
+476.2% 23-25
Income taxes
€-13k
- 23-25
Debt
€8.66M
+47.4% 23-25
Debt ≤ 1y
€464k
-10.7% 23-25
Debt > 1y
€8.17M
+53.9% 23-25
Current ratio
5.54
+225.1% 23-25
Quick ratio
5.54
+225.1% 23-25
Solvency
16.6%
-24.1% 23-25
Debt / equity
5.03
+40.6% 23-25
ROE
4.6%
- 23-25
ROA
0.8%
- 23-25
Interest coverage
2.79
+11.5% 23-25
Figures by fiscal year and ratios
Fiscal year202520242023
Depositabbreviated schemaabbreviated schemaabbreviated schema
Revenue---
EBITDA€777k€481k€429k
Net profit€80k€-136k€55k
Cash flow€551k€287k€389k
Staff costs---
Income taxes€-13k€9k€6k
Dividends---
Total assets€10.38M€7.52M€4.66M
Equity€1.72M€1.64M€1.78M
Debt€8.66M€5.87M€2.88M
of which ≤ 1y€464k€520k€606k
of which > 1y€8.17M€5.31M€2.27M
Working capital€2.11M€366k€183k
Employees (FTE)---
Ratios (computed)
202520242023
Current ratio5.541.701.30
Quick ratio5.541.701.30
Working capital ratio20.3%4.9%3.9%
Solvency16.6%21.8%38.2%
Debt / equity5.033.581.62
Long-term debt ratio4.753.231.28
Interest coverage2.792.506.05
Gross margin---
Net margin---
ROA0.8%-1.8%1.2%
ROE4.6%-8.3%3.1%
EBITDA margin---
Days sales outstanding---
Days payable outstanding---
Inventory turnover---
Days inventory (DSI)---
Balance-sheet composition 2025
Full annual accounts (25 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code202520242023
Balance sheet, Assets
TOTAL ASSETS 20/58€10.38M€7.52M€4.66M
Fixed assets 21/28€7.81M€6.63M€3.87M
Tangible fixed assets 22/27€7.50M€6.29M€3.53M
Financial fixed assets 28€316k€341k€341k
Current assets 29/58€2.57M€885k€789k
Amounts receivable within one year 40/41€958k€401k€323k
Investments 50/53€62k€61k€61k
Cash & bank 54/58€1.33M€198k€141k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€10.38M€7.52M€4.66M
Equity 10/15€1.72M€1.64M€1.78M
Contributions / capital 10/11€1.10M€1.10M€1.10M
Reserves 13€681k€681k€681k
Accumulated profits (losses) 14€-56k€-136k-
Amounts payable 17/49€8.66M€5.87M€2.88M
Amounts payable after one year 17€8.17M€5.31M€2.27M
Amounts payable within one year 42/48€464k€520k€606k
Trade debts payable within one year 44€51k€20k€56k
Income statement
Gross operating margin 9900€897k€824k€468k
Operating result 9901€305k€58k€94k
Financial income 75€40k€8k€40k
Financial charges 65€278k€192k€71k
Result before taxes 9903€67k€-127k€61k
Income taxes 67/77€-13k€9k€6k
Net result for the period 9904€80k€-136k€55k
Result to be appropriated 9905€80k€-136k€55k
Legal Structure
NACE primary Event catering(56210)
Legal form Private limited company(610)
Incorporation25-10-1991
StatusActive
Postal code1755
Establishment units 1 location
Krefam
Drie Egyptenbaan 11, 1755 PajottegemOffice administrative and support services
since 19922.057.536.878
Real-estate footprint Source: CBE × cadastre
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
23024E0804/00S003 Flanders 5,771 m² 1 · 996 m² 9.9 m · 1 fl.
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.
Updates 12 events
Next filing, fiscal year 2026, expected by 31-07-2027
2026
30-07
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial Back to profitnet €80k
Net result €80k after one loss-making year.
31-12
Financial Liquidity triplescurrent ratio 5.54
Current ratio from 1.70 to 5.54; short-term debt falls from €520k to €464k.
29-09
State Gazette act Registered-office change
30-07
NBB filing Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial Weakest financial yearnet €-136k ▼349%
Net result drops to €-136k, the lowest in the series; recovery starts the following year.
31-07
NBB filing Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
18-08
NBB filing Annual accounts filed
fiscal year 2022 · abbreviated schema · 18 days late
2022
05-07
NBB filing Annual accounts filed
fiscal year 2021 · abbreviated schema
05-04
State Gazette act Capital & shares
Frederik Hantson
2021
30-07
NBB filing Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
28-07
NBB filing Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-08
NBB filing Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
31-08
NBB filing Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
24-07
NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage 0 of 7 acts read

We know of 7 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 2 acts
Capital history · 1
05-04-2022
Capital change
Address history · 1
29-09-2025
Registered-office move
All acts · 2 updated 11 months ago
2025
29-09-2025 Registered office moved from Elingen to Pajottegem Registered-office change
  • Borrestraat 6, 1671 Elingen → Drie Egyptenbaan 11, 1755 Pajottegem
Technical details 
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  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_social",
      "new_address": {
        "raw": "Drie Egyptenbaan 11, 1755 Pajottegem",
        "city": "Pajottegem",
        "region": "vlaams_gewest",
        "street": "Drie Egyptenbaan",
        "country": "BE",
        "postcode": "1755",
        "box_number": null,
        "street_number": "11",
        "locality_suffix": null
      },
      "old_address": {
        "raw": "Borrestraat 6, 1671 Elingen",
        "city": "Elingen",
        "region": "foreign",
        "street": "Borrestraat",
        "country": "NL",
        "postcode": "1671",
        "box_number": null,
        "street_number": "6",
        "locality_suffix": null
      },
      "effective_date": "2025-07-29",
      "evidence_quote": "",
      "region_changed": true,
      "is_statute_change": true,
      "nationality_change": true,
      "old_address_source": "act_body",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "absolute",
      "statutaire_vs_werkelijke": "statutaire",
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": true,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2025-09-29",
    "filing_date": "2025-09-22",
    "act_kind_objet": "Zetel (zetelverplaatsing)"
  },
  "decision": {
    "body": "bijzondere_algemene_vergadering",
    "date": "2025-07-29",
    "unanimous": null
  },
  "subject_company": {
    "kbo": "0445.629.579",
    "name_full": "Krefam",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "org",
    "org_kbo": "0652.955.005",
    "org_name": "BV Norgay Accountants",
    "person_name": "Jeroen Vanderlinden",
    "org_rep_person_name": "Jeroen Vanderlinden",
    "person_role_at_subject": "vast vertegenwoordiger"
  },
  "co_filed_documents": [
    "Mod PDF 19.01"
  ]
}
2022
05-04-2022 Capital decrease of €1,096,425.70 Capital & shares·Frederik Hantson
Notary: Frederik Hantson · GooikFirm: Notaris Frederik Hantson
Technical details 
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      },
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      "kind": "share_transfer",
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      "subscribers": [
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          "contribution_amount_eur": null
        },
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          "name": "LIMBOURG Karina",
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        },
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          "kind": "person",
          "name": "DEHANDSCHUTTER Yanick",
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        },
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        },
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          "kbo": null,
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          "kind": "person",
          "name": "DEHANDSCHUTTER Liesa",
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        },
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        }
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      "share_emission": {
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      },
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      "statutory_unavailable_equity_op": null
    },
    {
      "kind": "statutory_reserve_release",
      "after_eur": null,
      "delta_eur": -1096425.7,
      "before_eur": 1096425.7,
      "decrease_purpose": null,
      "contribution_type": "kapitalisering_reserves",
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      "statutory_unavailable_equity_op": "convert_to_distributable"
    },
    {
      "kind": "vzw_capital_conversion",
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    }
  ],
  "notary": {
    "name": "Frederik Hantson",
    "firm_city": null,
    "firm_name": "Notaris Frederik Hantson",
    "office_city": "Gooik",
    "is_associated": true
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2022-04-05",
    "filing_date": "2022-04-01",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
    "body": "buitengewone_algemene_vergadering",
    "act_date": "2022-03-31",
    "unanimous": true,
    "under_authorized_capital": true,
    "underlying_resolution_date": "2022-03-31"
  },
  "bedrijfsrevisor": {
    "waived": true,
    "firm_kbo": "0434.720.148",
    "firm_name": "GROUPE AUDIT BELGIUM",
    "ibr_number": null,
    "mission_type": "fusion_special_report",
    "individual_name": "Werner Claeys"
  },
  "subject_company": {
    "kbo": "0445.629.579",
    "name_full": "KREFAM",
    "legal_form": "Naamloze vennootschap",
    "is_foreign_registered": false
  },
  "publication_proxy": {
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    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [
    "expedition",
    "plan financier",
    "bankattest",
    "verslag bedrijfsrevisor"
  ],
  "shareholders_after": [
    {
      "kbo": null,
      "pct": null,
      "kind": "person",
      "name": "DEHANDSCHUTTER Frank",
      "role": null,
      "n_shares": 100,
      "share_class": null
    },
    {
      "kbo": null,
      "pct": null,
      "kind": "person",
      "name": "LIMBOURG Karina",
      "role": null,
      "n_shares": 100,
      "share_class": null
    },
    {
      "kbo": null,
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      "kind": "person",
      "name": "DEHANDSCHUTTER Yanick",
      "role": null,
      "n_shares": 2,
      "share_class": null
    },
    {
      "kbo": null,
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      "kind": "person",
      "name": "DEHANDSCHUTTER Sam",
      "role": null,
      "n_shares": 2,
      "share_class": null
    },
    {
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      "pct": null,
      "kind": "person",
      "name": "DEHANDSCHUTTER Liesa",
      "role": null,
      "n_shares": 2,
      "share_class": null
    }
  ],
  "share_classes_after": [
    {
      "n_shares": 9,
      "class_name": "A",
      "capital_share_eur": null,
      "voting_rights_per_share": 7.0
    },
    {
      "n_shares": 97,
      "class_name": "B",
      "capital_share_eur": null,
      "voting_rights_per_share": 1.0
    },
    {
      "n_shares": 97,
      "class_name": "C",
      "capital_share_eur": null,
      "voting_rights_per_share": 1.0
    },
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      "n_shares": 97,
      "class_name": "D",
      "capital_share_eur": null,
      "voting_rights_per_share": 1.0
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  ]
}
Credit advice verdict per customer and amount
Company registry (CBE) Crossroads Bank
Activities
Event catering56210Manufacture of beverages11020Wholesale of wines and spirits46341Renting and operating of own or leased residential real estate, excluding social housing68201Business and other management consultancy70200Activities of head offices; management consultancy activities70210Business consulting70220Public relations and communication consultancy73300
Names & trade names
Legal nameNL KREFAM
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative