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 32 % of short-term debt in 2026; threshold 65 %.
Financials
Financial year 2026
KREMA BOUW from Oostkamp, company number BE0816766130, closed financial year 2026 with a result of € -837 after tax. For that financial year KREMA BOUW recorded a gross margin of € 91,393 and equity of € 149,365. Compared with financial year 2025, the result moved from € 20,320 to € -837. The company made a loss. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on October 12, 2026.
€ 149,365
▼ 21% vs 2025
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -837
▼ still € 20,320 profit in 2025
Profit after tax over the fiscal year.
€ 72,349
▼ 51% vs 2025
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 143,165.
People and assets in 2026
€ 48,201
▼ 13% vs 2025
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 36,719
▲ 150% vs 2025
Of which on lease € 36,719.
Debts at end 2026
€ 345,454
▼ 1% vs 2025
€ 32,440 is repaid this year. At this pace the long-term loan is gone in ≈ 11 years.
€ 451
▼ 93% vs 2025
Supplier invoices still open on the last day of the fiscal year.
€ 6,148
▼ 3% vs 2025
Taxes, VAT and social contributions still to pay.
| 2023 | 2024 | 2025 | 2026 | Change 2025 → 2026 | |
|---|---|---|---|---|---|
| Gross margin | € 110,284 | € 127,083 | € 124,024 | € 91,393 | ▼ 26% |
| Profit after taxes | € 14,818 | € 6,776 | € 20,320 | € -837 | ▼ € 21,157 |
| Equity | € 175,083 | € 167,589 | € 187,909 | € 149,365 | ▼ 21% |
| Total debts | € 644,847 | € 641,938 | € 597,299 | € 592,194 | ▼ 1% |
| Cash | € 71,201 | € 141,092 | € 148,427 | € 72,349 | ▼ 51% |
| Land & buildings | € 517,209 | € 501,847 | € 486,485 | € 471,123 | ▼ 3% |
| Retained profit | € 168,883 | € 161,389 | € 181,709 | € 143,165 | ▼ 21% |
| Dividend | € 20,301 | € 14,271 | € 0 | € 37,708 | |
| Bank debt | € 409,572 | € 379,181 | € 348,224 | € 345,454 | ▼ 1% |
| Balance sheet total | € 819,930 | € 809,526 | € 785,208 | € 741,559 | ▼ 6% |
By gross margin, KREMA BOUW ranks 25th of 42 companies with main activity “Algemene bouw van residentiële gebouwen” in Oostkamp that publish figures (fiscal year 2026).
Key figures of KREMA BOUW, fiscal years 2023 to 2026, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2027) expected before 31 October 2027.
Ask about KREMA BOUW the way you would ask their accountant.
Answers from the filed annual accounts, the Belgian Official Gazette and the CBE register.
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What happened to KREMA BOUW?
What happened at KREMA BOUW in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2026: loss of € 837 (▼ € 21,157 vs 2025). Source: NBB ↗
- Incorporation, published in the Gazette. Source: Staatsblad ↗
- New establishment in Oostkamp. KBO
- Kristof Keerman became a director. NBB
In short
From € 14,818 profit in 2023 to € 837 loss in 2026.
Paid € 15,769 in corporate taxes since 2023.
Best year ever: 2025, with € 20,320 profit.
Paid out € 72,280 in dividends to the owners in total.
Management
Behind KREMA BOUW is Kristof Keerman.
Directors
According to the 2026 annual accounts
Kristof Keerman
Director
since 2009
Establishments
Establishment units
Physical locations of this company
Bergenstraat 63
8020 Oostkamp
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Similar companies in Oostkamp
Same main activity (Algemene bouw van residentiële gebouwen), 50 active companies in Oostkamp, largest first.
€ 57.4 million revenue · 2025
€ 11 million revenue · 2024
€ 2.1 million gross margin · 2025
€ 983,675 gross margin · 2025
ALGEMENE BOUWONDERNEMING DEMEYER
€ 572,973 gross margin · 2025
€ 454,938 gross margin · 2025
Shareholders according to the Official Gazette deeds
Who contributed at incorporation and at capital increases, with the deed as source. Later share transfers are not published in the Gazette.
Incorporation
Source: Deed ↗- KEERMAN Kristof Geert(vennoot) 50%
- DEMEYERE Marijse Kathleen(vennoot) 50%
Details
- Company number
- 0816.766.130
- VAT number
- BE 0816.766.130
- Registered office
- Bergenstraat 63, 8020 Oostkamp
- Names & denominations
- KREMA BOUW
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 30 June 2009
- Peppol
- Active · Active since 20 Oct 2025
- Activities · NACE
Algemene bouw van residentiële gebouwen
Overige gespecialiseerde bouwactiviteiten, neg
Overige gespecialiseerde bouwwerkzaamheden
Metselwerk
Stukadoorswerk
Schrijnwerk
Uitvoeren van metsel- en voegwerken