Result
-€47,490 -€47,490
From profit to loss in 2025, after a profit of €132,423 in 2024.
NAMFON
Lifetime
20 annual accounts with figures on one time axis, 31 filings since 1995peak €195,021 (2024)
-€33,821▼ €228,842
lowest -€47,490 (2025)
-€47,490▼ €179,913
peak €191,437 (2024)
€143,947▼ 24.8%
€84,662▼ 47.1%
peak 4.4 FTE (2006)
-not published
Board2 names since 2018
1 directorWalter van HUMBEECK
Documentsfilings and deeds
17-08-202617 days late
2025micro format
Gross margin from €195,021 to -€33,821Loss of €47,490Equity from €191,437 to €143,947Debts from €159,932 to €84,662Cash from €212,031 to €41,551
Key points
from the 2025 annual accountsFilings
31 annual accounts since 1995
Eight of the last ten came late. The 2019 accounts came latest: 67 days after the end of the period.
Position in the sector
-€47,490
Lower net result than 95% of companies in construction of buildings. Sector median €8,554 · 9,452 companies.
Turnover not published (micro format)
Checked score
66
Healthy
Financially stronger than 39% of micro companies in construction of buildings (NACE 41)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,458 companies (NACE 41, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.3%
01-2025: 0.3%● unchanged vs 12-2024
02-2025: 0.3%● unchanged vs 01-2025
03-2025: 0.3%● unchanged vs 02-2025
04-2025: 0.3%● unchanged vs 03-2025
05-2025: 0.3%● unchanged vs 04-2025
06-2025: 0.3%● unchanged vs 05-2025
07-2025: 0.1%▼ -0.2 percentage points 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 05-2026lowest value
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.4%▲ +0.3 percentage points vs 08-2026
10-2026: 1.0%▲ +0.6 percentage points vs 09-2026highest value
11-2026: 1.0%● unchanged vs 10-2026highest value
Financial strengthAverage
Score breakdown
raises risk
Loss of €47,490 (financial year 2025)
1 change of registered office in 24 months
Sector: Construction of residential and non-residential buildings (NACE 41)
lowers risk
Liquidity: current ratio 1.66, cash €41,551, halved
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 72% of them on solvency, 60% on liquidity, 5% on profitability and 17% 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 low class on 30-06-2025, 0.8% 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, 5,831 companies had the same profile as NAMFON has now. Each dot stands for 15 companies, two years later.
84.5%
were still trading
13.4%
stopped another way
1.7%
went bankrupt
Another 0.4% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of NAMFON itself: 1.0% within 12 months.
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 5,831 companies, not a prediction for NAMFON. 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 €9,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.66 (5.16 in 2024), above the usual 1.5. Short-term debt is 37% and cash 18.2% of total assets. 37% 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 risk
raises risk · 2025 accounts filed 17 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
17 days late
2024
35 days early
2023
14 days late
2022
32 days early
2021
22 days late
2020
11 days late
2019
67 days late
← 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 9 days after the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.
Searched, nothing found (2)
neutral · 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 15 August (4 of the last 5 accounts filed within 47 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered office moved from Zaventem to Aalst
New registered office: Hammestraat 31A, 9300 Aalst · Previous registered office: Veldeke 25, 1930 Zaventem · Board meeting of 13-08-2026 · Gazette deed
Environmental permit granted
Bomen vellen die geen deel uitmaken van een bos en/of bodemreliëf wijzigen, Bouwen of herbouwen, Het reliëf van de bodem aanmerkelijk wijzigen and 5 more · Provincie Vlaams-Brabant
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0454556945
Demerger: NAMFON splits off to SRINGAM
Changes of role: Walter van HUMBEECK (director) and SRINGAM Nanthaporn (director) · Walter van HUMBEECK holds 1 share · SRINGAM Nanthaporn holds 299 shares · General meeting of 10-11-2023 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| NAMFON Aalst | €228,609 | -€33,821 | 63.0% | - |
| VERSLUYS en ZONEN Laarne | €213,046 | -€6,902 | 82.0% | - |
| DE STOBBELEIR PASCAL Sint-Gillis-Waas | €248,595 | €460 | 73.6% | - |
| De Pauw Patrick Deinze | €196,880 | -€62,320 | 90.1% | - |
| BDB-aannemingen Waasmunster | €210,014 | -€60,547 | 10.9% | - |
| DAN ET DAN Tournai | €242,121 | -€30,729 | -11.5% | - |
| HOME CONCEPT Oupeye | €238,297 | -€24,771 | 87.2% | - |
These companies have the same main activity as NAMFON: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €197,000 and €249,000, founded between 1992 and 1999.
Official details
Source: KBO- Status
- Active since 27-02-1995Normal situation
- Activity
- General construction of residential buildingsNACE 41001
- Establishment unit
- 2.070.754.3179300 Aalst, since 16-03-1995
- Financial year end
- 31 December
- Peppol
- Reachable since 04-02-2025
Insights on NAMFON
NAMFON files the micro format. That format states no turnover. The gross margin fell from €68,911 in 2006 to -€33,821 in 2025.
The balance sheet grew most from 2007 to 2009 through fixed assets.
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 NAMFON
- What is the company number of NAMFON?
- The company number of NAMFON is 0454.556.945. The VAT number is the same number with BE in front: BE 0454.556.945.
- Where is NAMFON based?
- The registered office is at Hammestraat 31, 9300 Aalst.Company details
- What does NAMFON do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of NAMFON?
- NAMFON is a private limited company (BV).
- When was NAMFON founded?
- NAMFON was founded on 27-02-1995.
- Is NAMFON still active?
- Yes, NAMFON is an active enterprise in the KBO register.
- What is the turnover of NAMFON?
- The annual accounts for financial year 2025 state no turnover. The micro format does not require it.Financials
- Is NAMFON profitable?
- In financial year 2025, NAMFON made a loss of €47,490.
- Where can I find the annual accounts of NAMFON?
- NAMFON filed 31 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of NAMFON due?
- NAMFON must file the annual accounts for financial year 2026 by 31-07-2027.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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