Equity
€21,082 from €59,129 in 2022
Equity fell by 64% in 3 years.
Kteer Data
Overview
Lifetime
5 annual accounts with figures on one time axispeak €69,042 (2023)
€12,677▲ 29.6%
peak €27,770 (2021)
€8,631▲ 36.4%
peak €59,129 (2022)
€21,082▲ 69.3%
€12,319▼ 8.8%
Board2 names since 2020
1 directorCarl Ragnar Mattias Lundén
Documentsfilings and deeds
19-12-202543 days before the deadline
2025micro format
Gross margin from €9,779 to €12,677Result from €6,330 to €8,631Registered office moved from Antwerp to Schaerbeek 21-10Equity from €12,451 to €21,082Cash from €14,637 to €22,773
Key points
from the 2025 annual accountsChecked score
97
Excellent
Financially stronger than 78% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,930 companies (NACE 62, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%highest value
01-2025: 0.1%▼ -0.1 percentage points 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: < 0.1%▼ -0.1 percentage points vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025lowest value
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: 0.1%▲ +0.1 percentage points 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%● unchanged vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
1 change of registered office in 24 months
lowers risk
Sector: Computer programming, consultancy and related activities (NACE 62)
Liquidity: current ratio 7.63, cash €22,773
Equity €21,082 (63.1% 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 62, micro). It does better than 55% of them on solvency, 89% on liquidity, 82% on profitability and 84% on growth.
The bankruptcy probability was computed on 07-11-2026 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 30-06-2025.
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, 26,972 companies had the same profile as Kteer Data has now. Each dot stands for 68 companies, two years later.
94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Kteer Data itself is lower: 0.1% within 12 months. It rests on far more data about Kteer Data 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.
| 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 26,972 companies, not a prediction for Kteer Data. 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 €2,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 7.63 (4.44 in 2024), above the usual 1.5. Short-term debt is 13.1% and cash 68.2% of total assets. 36.9% 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
Six signals.
lowers riskraises riskneutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
2122232425
2021 to 2025 · latest year €21,082
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 19-12-2025, 43 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
43 days early
2024
56 days early
2023
9 days early
2022
43 days early
2021
25 days early
← 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 35 days before the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 19 December (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end08-11-2026 today31-01-2027 deadline
Recent changes
Registered office moved from Antwerp to Schaerbeek
New registered office: Rogierlaan 307 Bus B4, 1030 Schaarbeek · Previous registered office: August Vermeylenlaan 1 bus 31, 2050 Antwerpen · General meeting of 09-10-2025 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0760451987
Registered office moved to Antwerp
New registered office: August Vermeylenlaan 1/31, 2050 Antwerpen · Resignation: Sami Abboud (director) · Appointment: Carl Ragnar Mattias Lundén (director) · General meeting of 21-04-2023 · Gazette deed
Incorporation
Founding capital of €5,000, 100 shares · Founder: ABBOUD Sami · Appointment: ABBOUD Sami (director) · published on 28-12-2020 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Kteer Data Schaerbeek | €33,401 | €12,677 | 63.1% | - |
| SYMPLICY Ottignies-Louvain-la-Neuve | €29,973 | €12,106 | 88.9% | - |
| CIT-A Merchtem | €29,469 | €11,799 | 32.8% | - |
| The Office Lab Antwerp | €33,086 | €13,886 | -15.3% | - |
| GCAI Maaseik | €35,324 | €13,350 | 81.8% | - |
| RLB Invest Berchem-Sainte-Agathe | €36,577 | €12,606 | 90.3% | - |
| VERCORRO Koekelberg | €28,539 | €12,606 | 59.3% | - |
These companies have the same main activity as Kteer Data: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €28,500 and €36,600, founded between 2019 and 2022.
Official details
Source: KBO- Status
- Active since 23-12-2020Normal situation
- Activity
- Computer consultancy and computer facilities managementNACE 62200and 5 others
- Establishment unit
- 2.311.248.8901030 Schaerbeek, since 23-12-2020
- Financial year end
- 30 June
- Peppol
- Reachable since 18-11-2024
Annual accounts to 30-06-2025
- €12,677▲ 29.6%
- €8,631▲ 36.4%
- €21,082▲ 69.3%
- €33,401▲ 28.6%
- Filing
- Filed on 19-12-2025, 43 days before the end of the filing period
Insights on Kteer Data
Kteer Data files the micro format. That format states no turnover. The gross margin fell from €35,178 in 2021 to €12,677 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 19-12-2025, 43 days before the deadline€12,677
▲ 29.6%
€12,002
▲ 34.6%
€8,631
▲ 36.4%
€29,021
▲ 44.3%
63.1%
▲ 15.2 percentage points
7.63
▲ 3.19
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 ≈ €67,000. Estimated: probably between €33,000 and €130,000.
Balance sheet
balance sheet total €33,401 on 30-06-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
63.1%
Higher than 53% of 21,205 companies in 2025.
7.63
Higher than 84% of 20,568 companies in 2025.
25.8%
Higher than 61% of 20,743 companies in 2025.
Kteer Data
Middle half of the sector
80% of the sector
Micro accounts in computer programming and consultancy (NACE 62)
Net result: middle half · Equity: middle half · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet: assets | ||||||
20/58 |
33,401 | 25,963 | 21,898 | 71,855 | 44,780 | |
29/58 |
33,401 | 25,963 | 21,898 | 71,855 | 44,780 | |
40/41 |
8,307 | 8,657 | 16,109 | - | - | |
40 |
8,044 | 8,025 | 15,106 | - | - | |
41 |
263 | 633 | 1,003 | - | - | |
54/58 |
22,773 | 14,637 | 4,264 | 69,650 | 42,813 | |
490/1 |
2,320 | 2,669 | 1,525 | 2,205 | 1,967 | |
| Balance sheet: equity and liabilities | ||||||
10/49 |
33,401 | 25,963 | 21,898 | 71,855 | 44,780 | |
10/15 |
21,082 | 12,451 | 6,121 | 59,129 | 32,770 | |
10/11 |
5,000 | 5,000 | 5,000 | 5,000 | 5,000 | |
13 |
16,082 | 7,451 | 1,121 | - | - | |
133 |
16,082 | 7,451 | 1,121 | - | - | |
14 |
- | 0 | - | 54,129 | 27,770 | |
17/49 |
12,319 | 13,512 | 15,777 | 12,725 | 12,009 | |
42/48 |
4,379 | 5,847 | 15,664 | 12,068 | 12,009 | |
44 |
2,865 | 114 | 1,707 | 2,144 | 4,315 | |
440/4 |
2,865 | 114 | 1,707 | 2,144 | 4,315 | |
45 |
1,273 | 3,927 | 13,958 | 7,870 | 6,744 | |
450/3 |
1,273 | 3,927 | 6,872 | 7,870 | 6,741 | |
454/9 |
- | 0 | 7,086 | - | 3 | |
47/48 |
241 | 1,806 | - | 2,055 | 951 | |
492/3 |
7,939 | 7,665 | 113 | 658 | - | |
| Income statement | ||||||
9900 |
12,677 | 9,779 | 69,042 | 33,473 | 35,178 | |
62 |
0 | 298 | 48,888 | - | - | |
640/8 |
675 | 561 | 326 | 159 | 381 | |
9901 |
12,002 | 8,920 | 19,829 | 33,314 | 34,797 | |
75/76B |
1 | 24 | 45 | 0 | - | |
75 |
1 | 24 | 45 | 0 | - | |
65/66B |
99 | 87 | 368 | 230 | 85 | |
65 |
99 | 87 | 368 | 230 | 85 | |
9903 |
11,904 | 8,857 | 19,506 | 33,084 | 34,712 | |
67/77 |
3,273 | 2,527 | 4,085 | 6,725 | 6,942 | |
9904 |
8,631 | 6,330 | 15,421 | 26,359 | 27,770 | |
9905 |
8,631 | 6,330 | 15,421 | 26,359 | 27,770 | |
| Appropriation of the result | ||||||
9906 |
8,631 | 6,330 | 69,550 | 54,129 | 27,770 | |
14P |
- | 0 | 54,129 | 27,770 | - | |
691/2 |
8,631 | 6,330 | 1,121 | - | - | |
6921 |
8,631 | 6,330 | 1,121 | - | - | |
694/7 |
- | 0 | 68,429 | - | - | |
694 |
- | 0 | 68,429 | - | - | |
| Document | ||||||
The notes to these accounts have 1 item. You find them in the filed accounts (PDF).
Source: Annual accounts 2025 (PDF), filed on 19-12-2025.
Filings
each dot is a set of accounts, on the day it reached the National Bank| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 30-06-2025 | micro format | 19-12-2025 | 2025-00588174 | |
| 30-06-2024 | micro format | 06-12-2024 | 2024-00614506 | |
| 30-06-2023 | micro format | 22-01-2024 | 2024-00004659 | |
| 30-06-2022 | micro format | 19-12-2022 | 2022-20540789 | |
| 30-06-2021 | micro format | 06-01-2022 | 2022-00300198 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| 8,136 | 10,372 | -65,385 | 26,837 | - | ||
| 29,021 | 20,116 | 6,234 | 59,787 | 32,770 | ||
| 63.1% | 48.0% | 28.0% | 82.3% | 73.2% | ||
| 7.63 | 4.44 | 1.40 | 5.95 | 3.73 | ||
| 0.58 | 1.09 | 2.58 | 0.22 | 0.37 | ||
| 40.9% | 50.8% | 251.9% | 44.6% | 84.7% | ||
| 25.8% | 24.4% | 70.4% | 36.7% | 62.0% |
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.
Insights on Kteer Data
The operating result for 2025 is 35% higher than in 2024. It is a recovery after the fall in 2024.
Debt's share of the balance-sheet total falls from 52.0% to 36.9%. Equity is higher and debt is lower.
Board & ownership
Board
1 director, no change since 2023Director
appointed by deed of 06-06-2023
term without a fixed end
listed in the 2025 annual accounts, filed on 19-12-2025
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 28-12-2020
Mandates through the years
2 names, the dashed line is todayCarl Ragnar Mattias Lundén
Director
Director
ABBOUD Sami
Director
Director
BoardEarlier
Mandates as a list
- Carl Ragnar Mattias Lundén
- Director, appointed by deed of 06-06-2023, still in office
- ABBOUD Sami
- Director, from 22-12-2020 to 06-06-2023
Control
Capital
- Contribution
- €5,000
- Shares
- 100
- Contribution per share
- €50
- Equity per share
- €211 in 2025
- Source
- deed of 28-12-2020
Articles of association
deed of 28-12-2020 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Monday of December at 18:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one.
- No statutory auditor
Founder
At incorporation
deed of 28-12-2020 ↗
- ABBOUD Sami sole founder · 100% at incorporation
Network & group
No group
Kteer Data has no parent and no holdings in its annual accounts. Carl Ragnar Mattias Lundén is the only director. Kteer Data shares no director with another company.
At the same address
Rogierlaan 307, 1030 Schaerbeek · 2 other companies| KL - SOFT
registered office since 05-12-1990 · founded in 1990 |
turnover €134,973 (2025) 0442.576.356 |
| Association des copropriétaires de la résidence "Lagades" sis à 1030 Schaerbeek, avenue Rogier 307-313
registered office since 16-10-2001 |
founded in 2001 0552.631.665 |
Timeline
Timeline
12 events since 2020Board
Filings
Financial
Establishments
Address
2020202220242026
Deadline for the 2026 accounts: 31-01-2027
2025
Annual accounts 2025 filed PDFmicro format · 43 days before the deadline
Registered office moved from Antwerp to SchaerbeekNew registered office: Rogierlaan 307 Bus B4, 1030 Schaarbeek · Previous registered office: August Vermeylenlaan 1 bus 31, 2050 Antwerpen · General meeting of 09-10-20252 points ▸
- General meeting, 09-10-2025
- Registered-office move, Rogierlaan 307 Bus B4, 1030 Schaarbeek
- The deed holds 2 more points.
2024
Annual accounts 2024 filed PDFmicro format · 56 days before the deadline
Registered in the Peppol Directory Reachable for e-invoices through 0208:0760451987
Weakest financial year net €6,330 ▼59% The net result drops to €6,330, the lowest from 2021 to 2025. It recovers the following year.
Liquidity more than triples current ratio 4.44 The current ratio rises from 1.40 to 4.44. Short-term debt falls from €15,664 to €5,847.
Annual accounts 2023 filed PDFmicro format · 9 days before the deadline
2023
Registered office moved to AntwerpNew registered office: August Vermeylenlaan 1/31, 2050 Antwerpen · Resignation: Sami Abboud (director) · Appointment: Carl Ragnar Mattias Lundén (director) · General meeting of 21-04-20236 points ▸
- General meeting, 21-04-2023
- Director resignation, Sami Abboud
- Director discharge, Sami Abboud
- Director appointment, Carl Ragnar Mattias Lundén
- Board meeting, 21-04-2023
- Registered-office move, August Vermeylenlaan 1/31, 2050 Antwerpen
2022
Annual accounts 2022 filed PDFmicro format · 43 days before the deadline
Annual accounts 2021 filed PDFmicro format · 25 days before the deadline
2020
IncorporationFounding capital of €5,000, 100 shares · Founder: ABBOUD Sami · Appointment: ABBOUD Sami (director) · published on 28-12-20203 points ▸
- Founder, ABBOUD Sami
- Director appointment, ABBOUD Sami
- Founding capital, €5,000, 100 shares
- The deed holds 4 more points.
First establishment Rogierlaan 307, Schaerbeek
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
Kteer Data was incorporated on 23 December 2020 as a private limited company by one natural person, with a starting capital of €5,000.12 The registered office moved to Antwerp in 2023 and to Schaerbeek in 2025.34 Carl Ragnar Mattias Lundén is director of the company, appointed by deed of 06-06-2023.3 Total assets fell from €44,780 in 2021 to €33,401 in 2025.5
Company details
Identity
- Enterprise number
- 0760.451.987
- VAT number
- BE 0760.451.987
- Peppol ID
- 0208:0760451987
- Other Peppol ID
- 9925:BE0760451987
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 23-12-2020
- Financial year
- ends on 30 June
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Monday of December at 18:00deed of 28-12-2020 (in Dutch)
- Peppol
- Reachable since 18-11-2024Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- Kteer Data in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 28-12-2020 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Pieter De Coninckstraat 28, 2600 Antwerpen-Berchem”deed of 28-12-2020 (in Dutch)
Activities
NACEBEL 202562200
Computer consultancy and computer facilities management main activity
Codes under NACEBEL 2008
62020
IT consultancy main activity
62090
Computer programming, consultancy and related activities
64200
Holdings
68100
Real estate activities
70220
Business consulting
82990
Other business support services
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Computerconsultancy activiteiten met betrekking tot zowel ontwikkeling,wetenschappelijke toepassingen als analyse van data; Computer…”deed of 28-12-2020 (in Dutch)
20 activities
- Computerconsultancy activiteiten met betrekking tot zowel ontwikkeling,wetenschappelijke toepassingen als analyse van data.
- Computer engineering services,met name het ontwerpen en onderhouden van infrastructuur,software,cloud-toepassingen als mobiele platformen.
- Creatie en hosting van websites en mobiele toepassingen.
- Overige diensten op gebied van informatietechnologie en computer gegevensverwerking,webhosting en aanverwante activiteiten.
- Overige dienstverlening op gebied van informatie.
- Presentaties geven over bovenstaande toepassingsgebieden.
- Handel in onroerend goed.
- Verhuur en exploitatie van onroerend goed,inclusief sociale woningen.
- Adviesbureau op gebied van bedrijfsbeheer,adviesbureau op gebied van bedrijfsvoering.
- Mediapresentaties.
- Organisatie van congressen en beurzen.
- Overige zakelijke dienstverlening.
- Ontwikkeling van bouwprojecten.
- Het uitvoeren van diensten en advies aan particulieren.
- Het uitoefenen van activiteiten in personeelswerving en -selectie branche.
- Detachering van gespecialiseerd personeel.
- Het uitoefenen van activiteiten in interim-management.
- Het organiseren en geven van managementcursussen.
- Het onderzoek naar de omvang van de markt voor bepaalde producten,de ontvangst en de bekendheid van producten en koopgewoonten,met het oog op verkoopbevordering en ontwikkeling van nieuwe producten.
- Onderzoek en ontwikkeling van/naar nieuwe producten en dienstverlening.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Rogierlaan 307 registered office 1030 Schaerbeek | 23-12-2020 | 2.311.248.890 |
1 former office
- 2050 Antwerpen until the deed of 21-10-2025
Buildings and parcels at the address
- Ground area
- 391 m²
- Buildings
- 222 m²
- Volume, LiDAR
- 3,299 m³
- Tallest building
- 17.0 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 21904B0466/00H004 | 391 m² | 1 · 222 m² | 17.0 m · 5 |