Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 11 % of short-term debt in 2023; threshold 65 %.
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Annual account missing NBB
Fiscal year 2024 was expected before 31 July 2025 and has not been filed.
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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2023
Ambachtskrediet van Kempen en Hageland from Maasmechelen, company number BE0401278211, closed financial year 2023 with a result of € -562 after tax. For that financial year Ambachtskrediet van Kempen en Hageland recorded a gross margin of € -175 and equity of € 34,106. Compared with financial year 2022, the result moved from € 34,294 to € -562. The company made a loss. The company holds a healthy buffer. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on October 21, 2024.
€ 34,106
▼ 2% vs 2022
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -562
▼ still € 34,294 profit in 2022
Profit after tax over the fiscal year.
€ 297
▼ 99% vs 2022
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 5,913.
Debts at end 2023
€ 300,000
Loans from banks and other lenders, long and short.
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| 2019 | 2021 | 2022 | 2023 | Change 2022 → 2023 | |
|---|---|---|---|---|---|
| Gross margin | - | € -705 | € -4,645 | € -175 | ▲ € 4,469 |
| Profit after taxes | € -365 | € -767 | € 34,294 | € -562 | ▼ € 34,856 |
| Equity | € 2,571 | € 375 | € 34,669 | € 34,106 | ▼ 2% |
| Total debts | € 365 | € 775 | € 150 | € 300,000 | ▲ € 299,850 |
| Cash | - | - | € 19,974 | € 297 | ▼ 99% |
| Retained profit | € -25,623 | € -27,819 | € 6,475 | € 5,913 | ▼ 9% |
| Bank debt | € 0 | € 0 | € 0 | € 300,000 | |
| Balance sheet total | € 2,936 | € 1,149 | € 34,818 | € 334,106 | ▲ € 299,288 |
Key figures of Ambachtskrediet van Kempen en Hageland, fiscal years 2019 to 2023, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2024 has not been filed yet; it was expected before 31 July 2025.
What happened to Ambachtskrediet van Kempen en Hageland?
What happened at Ambachtskrediet van Kempen en Hageland in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2023: loss of € 562 (▼ € 34,856 vs 2022). filed late Source: NBB ↗
- New establishment in Houthalen-Helchteren. KBO
- Start of the company according to the CBE. KBO
In short
From € 365 loss in 2019 to € 562 loss in 2023.
Best year ever: 2022, with € 34,294 profit.
A new publication or filing at Ambachtskrediet van Kempen en Hageland? We notify you, reason included.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind Ambachtskrediet van Kempen en Hageland are Ludo Snoks and Erik Jottay.
Directors
According to the 2023 annual accounts
Ludo Snoks
Managing director
Erik Jottay
Director
Establishments
Establishment units
Physical locations of this company
Ganzenpoelstraat(L) 2
3630 Maasmechelen
Pastorijstraat 10
3530 Houthalen-Helchteren
Active since 1 January 1966
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0401.278.211
- VAT number
- BE 0401.278.211
- Registered office
- Ganzenpoelstraat(L) 2, 3630 Maasmechelen
- Names & denominations
- Ambachtskrediet van Kempen en Hageland
- Enterprise type
- Rechtspersoon
- Legal form
- Cooperative company
- Legal situation
- Normale toestand
- Start date
- 10 October 1965
- Peppol
- Not registered