Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 1 of the last 4 fiscal years.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
-
Tight liquidity NBB
Cash and receivables cover 49 % of short-term debt in 2025; threshold 65 %.
-
Busy address KBO
39 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2025
KERTEZA from Westerlo, company number BE0454079863, closed financial year 2025 with a result of € -257,070 after tax. For that financial year KERTEZA recorded a gross margin of € 912,803 and equity of € -156,692. Compared with financial year 2024, the result moved from € -106,782 to € -257,070. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 3, 2026.
€ -156,692
▼ € 257,070 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -257,070
▼ 141 % more loss than in 2024
Profit after tax over the fiscal year.
€ 121,189
▼ 37% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -175,292.
People and assets in 2025
4.5
▲ 0.4 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 1.3 million
▲ € 1 million vs 2024
€ 299,200 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 14,449
▲ € 11,398 vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 41,004
▼ 22% vs 2024
€ 12,006 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 223,296
▼ 8% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 70,753
▲ 95% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 425,862 | € 440,209 | € 231,611 | € 912,803 | ▲ 294% |
| Profit after taxes | € 218,403 | € 179,798 | € -106,782 | € -257,070 | ▼ € 150,287 |
| Equity | € 137,362 | € 207,160 | € 100,378 | € -156,692 | ▼ € 257,070 |
| Total debts | € 523,992 | € 502,676 | € 697,300 | € 966,291 | ▲ 39% |
| Cash | € 2,507 | € 191,925 | € 193,764 | € 121,189 | ▼ 37% |
| Land & buildings | € 36,979 | € 29,583 | € 22,188 | € 0 | ▼ 100% |
| Retained profit | € 118,762 | € 188,560 | € 81,778 | € -175,292 | ▼ € 257,070 |
| Dividend | € 75,000 | € 110,000 | € 0 | € 0 | |
| Bank debt | € 161,430 | € 84,809 | € 52,765 | € 41,004 | ▼ 22% |
| Balance sheet total | € 661,355 | € 709,836 | € 797,678 | € 809,600 | ▲ 1% |
| Employees (FTE) | 2.8 | 3 | 4.1 | 4.5 | ▲ 0.4 |
Key figures of KERTEZA, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to KERTEZA?
What happened at KERTEZA in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 257,070. Source: NBB ↗
- Provixor CommV became a director. NBB
- Jusimar BV became a director. NBB
- Cornelis Vermeer became a director. NBB
- New establishment in Westerlo. KBO
- Start of the company according to the CBE. KBO
In short
From € 218,403 profit in 2022 to € 257,070 loss in 2025.
Paid € 34,476 in corporate taxes since 2022.
Best year ever: 2022, with € 218,403 profit.
On average € 202,800 of value added per employee in 2025.
Management
The stake of JUSIMAR comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
KERTEZABehind KERTEZA are Provixor CommV, Jusimar BV and Cornelis Vermeer. The shares are held by JUSIMAR (100%).
Directors
According to the 2025 annual accounts
Director · represented by Henk Vansteenkiste
Also active at: KERTEZA TRAINING EN OPLEIDING, ellis.care, JUSIMAR, HICT
since 2025
Director · represented by Jan Demey
Also active at: KERTEZA TRAINING EN OPLEIDING, ellis.care, HICT
since 2022
since 2022
Shareholders
100%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Nijverheidsstraat 13
2260 Westerlo
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 39 companies are registered at this address.
All companies at this address →LOPAR
€ 1.2 million gross margin · 2025
INNOCHEM
€ 34.3 million revenue · 2026
THYS BOUWPROJECTEN
€ -296,460 gross margin · 2025
GMI group
€ 16.9 million revenue · 2025
VERANDA'S DE KEMPEN
€ -4,702 gross margin · 2025
+34 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Hosting & Email
Email provider
Microsoft 365
Hosting
COMBELL-AS, BE
Domain
Domain
kerteza.com
Registered
1999-11-25
Registrar
Key-Systems GmbH
Expires
2026-11-25
Website info
Features
Security
Details
- Company number
- 0454.079.863
- VAT number
- BE 0454.079.863
- Registered office
- Nijverheidsstraat 13, 2260 Westerlo
- Names & denominations
- KERTEZA
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 27 December 1994
- Peppol
- Active · Active since 21 Oct 2026
- Contact
- kerteza.com
- Activities · NACE
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies
Overige adviesbureaus op het gebied van bedrijfsvoering en beheer
Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering