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KAMI Concept

Active
Private limited companyfounded 199135 yrs activeRue de Genval 38, 1301 Wavre, BelgiumKBO/BCE: BE 0443.143.708
Summary

KAMI Concept has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €160,874 and a net result of €36,996. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 58% of 9042 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).

Risk analysisWatch ReportCompare
KAMI ConceptActiveChecked score 68/100
Risk analysis ReportCompare

Overview

Activity
Joinery installation
NACE 43320
1 site
Size
€317,100total assets 2025
Equity
€160,874
Profit
€36,996
Financial health
68 Healthy Checked score 2025
Bankruptcy chance 12 m
0.9%
Structure
Accounts filed 20 d late0 of 12 deeds read
Why 68- Sector Specialised construction activities (NACE 43)- Latest accounts 20 days late; 1 of the last 3 late- Liquidity: current ratio 1.90, cash €4,204+ Founded in 1991Show the evidence

Checked score

Score 2025
68 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 49% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 76-5
equity 50.7% of total assets
Liquidity 27-5
short-term debt 49.3% · cash 1.3%
Profitability 83-17
return on assets 11.7%
Bankruptcy probability, 12 months
0.9% Low
0%0.5%1.5%4%10%≥ 25%

About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,133 companies)
Last 24 months 11-2024: 1.1% 12-2024: 1.1%● 0.0% vs 11-2024 01-2025: 1.1%▼ -1.7% vs 12-2024 02-2025: 1.1%● 0.0% vs 01-2025 03-2025: 1.1%▼ -1.1% vs 02-2025 04-2025: 1.1%▲ +0.4% vs 03-2025 05-2025: 1.1%▼ -1.1% vs 04-2025 06-2025: 1.1%▼ -2.9% vs 05-2025 07-2025: 1.2%▲ +16.8% vs 06-2025 08-2025: 1.6%▲ +31.6% vs 07-2025 09-2025: 1.9%▲ +15.6% vs 08-2025highest value 10-2025: 1.3%▼ -30.7% vs 09-2025 11-2025: 1.3%● 0.0% vs 10-2025 12-2025: 1.3%● 0.0% vs 11-2025 01-2026: 1.3%● 0.0% vs 12-2025 02-2026: 1.3%● 0.0% vs 01-2026 03-2026: 1.3%● 0.0% vs 02-2026 04-2026: 1.3%▼ -2.3% vs 03-2026 05-2026: 1.3%▼ -1.4% vs 04-2026 06-2026: 1.2%▼ -3.4% vs 05-2026 07-2026: 1.2%▼ -0.7% vs 06-2026 08-2026: 1.8%▲ +49.6% vs 07-2026 09-2026: 0.9%▼ -53.3% vs 08-2026lowest value 10-2026: 0.9%● 0.0% vs 09-2026lowest value
  • Sector Specialised construction activities (NACE 43) raises the probability
  • Latest accounts 20 days late; 1 of the last 3 late raises the probability
  • Liquidity: current ratio 1.90, cash €4,204 raises the probability
  • Founded in 1991 lowers the probability for this profile
Credit up to €10,000 at 30 days acceptable
Liquidity ample (current ratio 1.9 against 2.34 in 2024; short-term debt: 49.3% and cash: 1.3% of total assets), and 49.3% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 55%, liquidity 16%, profitability 66%, growth against the median 58%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Sector Specialised construction activities (NACE 43)
In the bankruptcy model this factor raises the probability.
KBO
raises risk · Latest accounts 20 days late; 1 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
raises risk · Liquidity: current ratio 1.90, cash €4,204
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Founded in 1991
In the bankruptcy model this factor lowers the probability for this profile.
KBO
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 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year €160,874
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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 filings
Deviation from the deadline
2025
20 d late
2024
29 d late
2023
62 d late
2022
32 d late
2021
71 d late
2020
23 d late
2019
28 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 30 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.

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. Usually files around 1 September (4 of the last 5 filed years within 31 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Equity above €150,000Eq €160,874 ▲11.8%
  3. Annual accounts filedfiscal year 2024 · full…

Key points

  • Caution: Result fell in 2025from €115,163 to €36,996 ▼ 67.9% View
  • Active since 1991founded 22-01-1991 35 years View
  • Total assets 20256 fiscal years filed €317,100 View

By topic

Financials

Fiscal year
2025
Total assets
€317,100
Profit
€36,996
Solvency
50.7%
Total assets▲ 23.8%
Net result
20182025
Go to Financials

Timeline

Events
16
Since
2017
Next accounts
by 31-07-2027
  1. 20-08-2026Annual accounts filed
  2. 31-12-2025Equity above €150,000
  3. 29-08-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Joinery installationNACE 43320
Founded
22-01-1991
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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