Etablissements KEVERS
ActiveSummary
Etablissements KEVERS has been active since 1975 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.32M and a net result of €129k. Equity is growing by ~5.3% per year across the filed fiscal years. Its solvency ranks better than 92% of 4867 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability61▼-14
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €260k at 30 days acceptable
Liquidity ample (current ratio 9.0 against 9.88 in 2024; short-term debt: 7.9% and cash: 10.9% of total assets), and 12.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
87.9%
Return on assets
3.4%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
21 d late
2024
53 d late
2023
12 d early
2022
28 d late
2021
28 d early
2020
18 d early
2019
24 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€129k▼ 37.3%
2024 · €206k
2018: €103k
2019: €129k
2020: €312k
2021: €332k
2022: €276k
2023: €168k
2024: €206k
2018 → 2025
Working capital
€2.38M▼ 1.8%
2024 · €2.42M
2018: €1.97M
2019: €2.19M
2020: €2.16M
2021: €2.58M
2022: €2.19M
2023: €2.24M
2024: €2.42M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.90M-€3.05M▲ 5.5%€3.20M▲ 4.9%€3.31M▲ 3.2%€3.32M▲ 0.4%
Operating result€479k-€429k▼ 10.5%€275k▼ 35.9%€199k▼ 27.4%€188k▼ 5.6%
Net result€332k-€276k▼ 17.0%€168k▼ 39.2%€206k▲ 23.1%€129k▼ 37.3%
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 6% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.78M
Fixed assets
€1.10M ▼ 5.7%
Current assets
€2.67M ▼ 0.7%
Equity and liabilities €3.78M
Equity
€3.32M ▲ 0.4%
Provisions
€23k ▼ 62.8%
Debt
€435k ▼ 11.8%
Debt's share of the balance-sheet total falls from 12.8% to 11.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€338k▼
2024 · €352k
Cash flow
€279k▼
2024 · €359k
Current ratio
9.00▼
2024 · 9.88
Quick ratio
6.56▼
2024 · 7.03
Debt to equity
0.13▼
2024 · 0.15
ROE
3.9%▼
2024 · 6.2%
ROA
3.4%▼
2024 · 5.3%
Interest coverage
4.58▼
2024 · 11.43
Debt ≤ 1 year
€297k▲
2024 · €273k
Debt > 1 year
€138k▼
2024 · €219k
Income taxes
€43k▼
2024 · €44k
Staff costs
€296k▼
2024 · €391k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 74 lines
Balance sheet
Code20242025
Assets
Total assets20/58€3.86M€3.78M▼
Fixed assets21/28€1.17M€1.10M▼
Intangible fixed assets21-€20k
Tangible fixed assets22/27€1.12M€1.03M▼
Land and buildings22€527k€560k▲
Plant, machinery and equipment23€70k€49k▼
Furniture and vehicles24€167k€73k▼
Other tangible fixed assets26€355k€350k▼
Financial fixed assets28€52k€52k=
Current assets29/58€2.69M€2.67M▼
Stocks and contracts in progress3€776k€727k▼
Stocks30/36€776k€727k▼
Amounts receivable within one year40/41€422k€502k▲
Trade receivables40€320k€394k▲
Other amounts receivable41€102k€108k▲
Current investments50/53€1.00M€1.01M▲
Cash at bank and in hand54/58€467k€412k▼
Deferred charges and accrued income490/1€24k€17k▼
Equity and liabilities
Total equity and liabilities10/49€3.86M€3.78M▼
Equity10/15€3.31M€3.32M▲
Contributions10/11€200k€200k=
Capital10€200k€200k=
Issued capital100€200k€200k=
Reserves13€3.09M€3.11M▲
Non-distributable reserves130/1€20k€20k=
Legal reserve130€20k€20k=
Tax-exempt reserves132€393k€375k▼
Distributable reserves133€2.67M€2.71M▲
Profit (loss) carried forward14€16k€10k▼
Investment grants15€3k€338▼
Provisions and deferred taxes16€63k€23k▼
Provisions for liabilities and charges160/5€34k€0▼
Other liabilities and charges164/5€34k€0▼
Deferred taxes168€29k€23k▼
Amounts payable17/49€494k€435k▼
Amounts payable after more than one year17€219k€138k▼
Financial debts170/4€217k€137k▼
Other amounts payable178/9€2k€1k▼
Amounts payable within one year42/48€273k€297k▲
Current portion of amounts payable after more than one year42€90k€93k▲
Trade debts44€117k€118k▲
Suppliers440/4€117k€118k▲
Taxes, remuneration and social security45€19k€36k▲
Taxes450/3€13k€28k▲
Remuneration and social security454/9€6k€8k▲
Other amounts payable47/48€47k€50k▲
Accrued charges and deferred income492/3€2k€102▼
Income statement
Code20242025
Remuneration, social security and pensions62€391k€296k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€153k€149k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-20k€9k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€0€-34k▼
Other operating charges640/8€95k€59k▼
Gross operating margin9900€818k€668k▼
Operating profit (loss)9901€199k€188k▼
Financial income75/76B€103k€52k▼
Recurring financial income75€103k€52k▼
Financial charges65/66B€31k€74k▲
Recurring financial charges65€31k€74k▲
Profit (loss) for the period before taxes9903€271k€166k▼
Transfer from deferred taxes780€5k€6k▲
Transfer to deferred taxes680€26k€0▼
Income taxes67/77€44k€43k▼
Profit (loss) for the period9904€206k€129k▼
Transfer from tax-exempt reserves789€14k€18k▲
Transfer to tax-exempt reserves689€77k€0▼
Profit (loss) for the period to be appropriated9905€143k€147k▲
Appropriation of the result
Profit (loss) to be appropriated9906€159k€163k▲
Profit (loss) brought forward from the previous period14P€16k€16k▲
Transfer from equity791/2€105k€129k▲
Transfer to equity691/2€143k€154k▲
To other reserves6921€143k€154k▲
Profit to be distributed694/7€105k€129k▲
Return on contributions (dividend)694€105k€129k▲
Social balance
Average headcount (FTE)90876.75.0▼
The notes to these accounts (26 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 21 days late
2025
22-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 53 days late
2024
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 28 days late
2022
03-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €332k ▲6.5%
Operating result €479k, net result €332k, both a record.
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
20-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Plombières · 1 establishment unit since 1975
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Chaussée de Liège(MTZ) 464850 PlombièresGround area
1.2 ha
Building footprint
707 m²
Volume, LiDAR
4,458 m³
Parcel 63053A0841/00G002, Wallonia · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ETS KEVERS
since 19752.011.591.047
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63053A0841/00G002 | Wallonia | 1.2 ha | 1 · 707 m² | 8.8 m · 2 fl. |
Linked by address, not proof of ownership
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.
Recognitions · licences · registrations
Legal Entity Identifier
875500ZHDN11NRKP7E26
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Of 1,803 companies in sector 46831 we hold annual accounts for 1,397. 802 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded21-11-1975
Fiscal year end31-12
Abbreviation FR
Ets. KEVERS
Activities, NACEBEL 2025
46831Wholesale of construction materials, general range
41001General construction of residential buildings
47521Retail sale of hardware, building materials, paint and glass (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.