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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Shrinking team NBB
FTE fell two years in a row, from 6 to 4.2.
Financials
Financial year 2025
NAERT KRISTOF from Ingelmunster, company number BE0820154695, closed financial year 2025 with a result of € 22,294 after tax. For that financial year NAERT KRISTOF recorded a gross margin of € 470,632 and equity of € 645,102. Compared with financial year 2024, the result moved from € 63,983 to € 22,294. The company is profitable. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on March 30, 2026.
€ 645,102
▲ 3% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 22,294
▼ 65% vs 2024
Profit after tax over the fiscal year.
€ 438,662
▲ 15% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 1,700 paid out
8 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
4.2
▼ 0.2 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 301,265
▼ 13% vs 2024
€ 71,700 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.
€ 74,003
▼ 28% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 556,685
▼ 9% vs 2024
€ 53,496 is repaid this year. At this pace the long-term loan is gone in ≈ 10 years.
€ 123,698
▲ 18% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 22,968
▼ 17% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 491,132 | € 670,176 | € 557,709 | € 470,632 | ▼ 16% |
| Profit after taxes | € -20,189 | € 121,146 | € 63,983 | € 22,294 | ▼ 65% |
| Equity | € 509,273 | € 594,287 | € 624,508 | € 645,102 | ▲ 3% |
| Total debts | € 1,154,095 | € 1,061,407 | € 998,730 | € 952,743 | ▼ 5% |
| Cash | € 208,166 | € 230,939 | € 381,230 | € 438,662 | ▲ 15% |
| Land & buildings | € 979,557 | € 938,620 | € 888,817 | € 839,013 | ▼ 6% |
| Retained profit | € 503,073 | € 588,087 | € 618,308 | € 638,902 | ▲ 3% |
| Dividend | € 197,827 | € 36,132 | € 33,762 | € 1,700 | ▼ 95% |
| Bank debt | € 712,537 | € 661,348 | € 609,401 | € 556,685 | ▼ 9% |
| Balance sheet total | € 1,663,369 | € 1,655,694 | € 1,623,238 | € 1,597,845 | ▼ 2% |
| Employees (FTE) | 5.5 | 6 | 4.4 | 4.2 | ▼ 0.2 |
By gross margin, NAERT KRISTOF ranks 5th of 22 companies with main activity “Schrijnwerk” in Ingelmunster that publish figures (fiscal year 2025).
Key figures of NAERT KRISTOF, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 April 2027.
Ask about NAERT KRISTOF 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 NAERT KRISTOF?
What happened at NAERT KRISTOF in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 22,294 (▼ 65% vs 2024). Source: NBB ↗
- New establishment in Ingelmunster. KBO
- Kristof Naert became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 20,189 loss in 2022 to € 22,294 profit in 2025.
Paid € 95,447 in corporate taxes since 2022.
Best year ever: 2023, with € 121,146 profit.
On average € 112,100 of value added per employee in 2025.
Management
Behind NAERT KRISTOF is Kristof Naert.
Directors
According to the 2025 annual accounts
Kristof Naert
Director
since 2009
Establishments
Establishment units
Physical locations of this company
Bouwke 8
8770 Ingelmunster
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Similar companies in Ingelmunster
Same main activity (Schrijnwerk), 28 active companies in Ingelmunster, largest first.
€ 13.2 million revenue · 2026
€ 2.3 million gross margin · 2025
€ 1.5 million revenue · 2025
€ 673,815 gross margin · 2025
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€ 487,973 gross margin · 2025
Website
Technologies
Hosting & Email
Email provider
Microsoft 365
Hosting
AS-ZXCS, NL
Website info
Features
Security
Details
- Company number
- 0820.154.695
- VAT number
- BE 0820.154.695
- Registered office
- Bouwke 8, 8770 Ingelmunster
- Names & denominations
- NAERT KRISTOF
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 29 October 2009
- Peppol
- Active · Active since 2 Sept 2023
- Activities · NACE
Schrijnwerk
Installatie van isolatie
Isolatiewerkzaamheden