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KREMA BOUW

Active
Private limited companyfounded 2009active for 17 yearsBergenstraat 63, 8020 Oostkamp, BelgiumKBO/BCE: BE 0816.766.130
Summary

KREMA BOUW has been active since 2009 and the Belgian Official Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €149,365 and a net result of -€837. Equity grew by about 5.2% per year on average since 2019. In 2026 it fell by 20.5%. Its solvency ranks better than 17% of 969 sector peers (NACE 43, financial year 2026). The computed 12-month bankruptcy probability is 0.2% (very low).

Overview

Official details

Source: KBO
Status
Active since 30-06-2009 Normal situation
Activity
Other specialised construction activities NACE 43990and 4 others
Joint committee
124 Construction · annual accounts 31-03-2026
Establishment unit
2.179.125.388 8020 Oostkamp, since 08-07-2009
Financial year end
31 March
Peppol
Reachable since 20-10-2025

Board and ownership

Board
Shareholders
  • Keerman Kristofdeed of 17-04-2024

Financial position

85 Excellent Checked score 2026
Bankruptcy probabilitywithin 12 months
0.2%
Annual accounts to 31-03-2026
Gross margin
€91,393
▼ 26.3%
Turnover
≈ €460,000
estimated
Loss
€837
Equity
€149,365
▼ 20.5%
Total assets
€741,559
▼ 5.6%
Employees on 31-03-2026
2
=
Score breakdownraises riskSector: Specialised construction activities (NACE 43)lowers riskSize: total assets €741,559Figures for financial year 2026 (filed on 14-10-2026)Founded in 2009Show the evidence

Checked score

Score 2026
85 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 25% of micro companies in specialised construction (NACE 43)
Financial strength · tick: 2025
Average
Solvency 45-4
equity 20.1% of total assets
Liquidity 45-13
short-term debt 37.4% · cash 9.8%
Profitability 56-16
return on assets -0.1%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

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

Sector median 0.7% (47,685 companies, NACE 43, micro)
Last 24 months 12-2024: 0.1% 01-2025: 0.1%● unchanged vs 12-2024 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: 0.2%▲ +0.1 percentage points vs 06-2025 08-2025: 0.2%● unchanged vs 07-2025 09-2025: 0.2%● unchanged vs 08-2025 10-2025: 0.3%▲ +0.1 percentage points vs 09-2025 11-2025: 0.5%▲ +0.2 percentage points vs 10-2025highest value 12-2025: 0.1%▼ -0.4 percentage points vs 11-2025lowest value 01-2026: 0.1%● unchanged vs 12-2025lowest value 02-2026: 0.1%● unchanged vs 01-2026lowest value 03-2026: 0.1%● unchanged vs 02-2026lowest value 04-2026: 0.1%● unchanged vs 03-2026lowest value 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026 08-2026: 0.1%● unchanged vs 07-2026 09-2026: 0.2%▲ +0.1 percentage points vs 08-2026 10-2026: 0.2%● unchanged vs 09-2026 11-2026: 0.2%● unchanged vs 10-2026
Credit of up to €12,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.8 (0.96 in 2025), below 1. Short-term debt is 37.4% and cash 9.8% of total assets. 79.9% of the assets are financed with debt and provisions.
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 43, micro). It does better than 22% of them on solvency, 35% on liquidity, 27% on profitability and 18% on growth.

The bankruptcy probability was computed on 04-11-2026 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 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).

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

Signals

Six signals.
lowers riskraises riskneutral
lowers risk · Size: total assets €741,559
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Sector: Specialised construction activities (NACE 43)
KBO
lowers risk · Figures for financial year 2026 (filed on 14-10-2026)
NBB · annual accounts
lowers risk · Founded in 2009
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 969 sector peers (2026).
NBB · sector comparison
Position among 969 sector peers
Solvency
better than 17%
← weakest strongest →
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 12-10-2026, 19 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2026
19 days early
2025
1 day early
2024
on the day
2023
on the day
2022
3 days late
2021
5 days early
2020
1 day early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 3 days before the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.

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. The company usually files around 31 October (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
05-11-2026 today31-03-2027 year end31-10-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: Lower solvency than 82% of companies in specialised constructionsector median 49.7% · 969 companies 20.1% View
  • Positive: Filed on time since financial year 2023accounts within the deadline every year 4 years View

Recent changes

  1. · Gazette deed 4 directors appointed, 1 director resigning, 1 director reappointedChange of role: Keerman Kristof, from director to statutory director · Appointments: Keerman Koen, Keerman Matheo and Keerman Andres · Reappointment: Keerman Kristof (statutory director)
  2. · Gazette deed Incorporation
All 15 events

Comparable companies

These companies have the same main activity as KREMA BOUW: other specialised construction activities (NACE 43990). They are comparable in size and age: total assets between €650,000 and €799,000, founded between 2008 and 2009.

CompanyTotal assetsGross margin
KREMA BOUW Oostkamp€741,559€91,393
MD-AFSLUITINGEN Izegem€715,686€110,812
VAN RUL BOUWSERVICE Hamont-Achel€684,316€92,406
POL-TEX Brussels€662,750€83,773
Lambrechts Sam Hulshout€649,916€94,702
Greenson Merelbeke-Melle€799,416€77,665
ALL INVEST GROUP Jette€785,838€76,814
Full comparison

Key facts about KREMA BOUW

What is the company number of KREMA BOUW?
The company number of KREMA BOUW is 0816.766.130. The VAT number is the same number with BE in front: BE 0816.766.130.
Where is KREMA BOUW based?
The registered office is at Bergenstraat 63, 8020 Oostkamp.Company details
What does KREMA BOUW do?
According to the KBO register, the main activity is other specialised construction activities (NACE 43990).
What is the legal form of KREMA BOUW?
KREMA BOUW is a private limited company (BV).
When was KREMA BOUW founded?
KREMA BOUW was founded on 30-06-2009.
Is KREMA BOUW still active?
Yes, KREMA BOUW is an active enterprise in the KBO register.
How many employees does KREMA BOUW have?
KREMA BOUW had an average of 2.1 full-time equivalents in financial year 2026, according to the filed annual accounts.Financials
Which joint committee does KREMA BOUW fall under?
In its 31-03-2026 annual accounts, KREMA BOUW states joint committee 124 (Construction).
What is the turnover of KREMA BOUW?
The turnover in financial year 2026 is ≈ €460,000. This figure is estimated from the gross margin of €91,393 and 68 comparable companies (NACE 43990). It probably lies between €350,000 and €950,000.
Is KREMA BOUW profitable?
In financial year 2026, KREMA BOUW made a loss of €837.
Where can I find the annual accounts of KREMA BOUW?
KREMA BOUW filed 16 annual accounts with the National Bank of Belgium, the latest for financial year 2026.
When are the next annual accounts of KREMA BOUW due?
KREMA BOUW must file the annual accounts for financial year 2027 by 31-10-2027.Timeline

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