Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
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.
Want to see how much further we take a dossier in the Pro version? Open the free De Lijn example and give feedback →
| 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 |
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.
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.
A new publication or filing at NAERT KRISTOF? We notify you, reason included.
Follow NAERT KRISTOFDatabakkes Pro
Know what changes at your customers, suppliers and competitors. Without reading an annual account.
- Follow them in one folder Every company in your folder gets this full dossier: household book, all fiscal years, benchmark against companies of the same size.
- We alert you, with the reason New annual account, Official Gazette publication or status change: you get what changed and where it says so.
- In bulk too, and in ChatGPT and Claude Upload your customer list and get the warning signs back per company. Or ask in your own AI assistant, with this register as the source.
Databakkes Pro is being built. Sign up now and you are first in line for an invitation, with a month to try without a credit card.
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
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.
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