4CforYou
Active4CforYou has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.02M and a net result of €442k. Equity is growing by ~83.1% per year across the filed fiscal years. Its solvency ranks better than 68% of 9517 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
78
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency95▼-5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity ample (current ratio 3.05 against 4.84 in 2023; short-term debt: 30.3% and cash: 5% of total assets), and 30.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
69.6%
Return on assets
30%
Age of the figures
21 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
36 d early
2022
34 d early
2021
11 d early
2020
24 d late
2019
28 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€1.02M▲ 68.7%
2023 · €608k
2019: €36k
2020: €113k
2021: €181k
2022: €396k
2023: €608k
2019 → 2024
Total assets
€1.47M▲ 94.1%
2023 · €759k
2019: €61k
2020: €189k
2021: €264k
2022: €506k
2023: €759k
2019 → 2024
Net result
€442k▼ 8.4%
2023 · €483k
2019: €30k
2020: €77k
2021: €69k
2022: €202k
2023: €483k
2019 → 2024
Working capital
€914k▲ 57.7%
2023 · €580k
2019: €34k
2020: €84k
2021: €178k
2022: €328k
2023: €580k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€113k-€181k▲ 61.0%€396k▲ 118%€608k▲ 53.6%€1.02M▲ 68.7%
Operating result€109k-€90k▼ 17.5%€275k▲ 206%€654k▲ 138%€650k▼ 0.5%
Net result€77k-€69k▼ 10.5%€202k▲ 194%€483k▲ 139%€442k▼ 8.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 1% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.47M
Fixed assets
€112k▲ 301%
Current assets
€1.36M▲ 86.2%
Equity and liabilities €1.47M
Equity
€1.02M▲ 68.7%
Debt
€447k▲ 197%
The debt ratio rises from 19.9% to 30.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€657k▼
2023 · €659k
Cash flow
€449k▼
2023 · €488k
Solvency
69.6%▼
2023 · 80.1%
Current ratio
3.05▼
2023 · 4.84
Quick ratio
1.99▼
2023 · 4.84
Debt / equity
0.44▲
2023 · 0.25
ROE
43.2%▼
2023 · 79.4%
ROA
30.0%▼
2023 · 63.6%
Interest coverage
553.13▲
2023 · 336.20
Debt
€447k▲
2023 · €151k
Debt ≤ 1 year
€446k▲
2023 · €151k
Income taxes
€211k▲
2023 · €170k
Staff costs
€5k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€759k€1.47M▲
Fixed assets21/28€28k€112k▲
Tangible fixed assets22/27€27k€26k▼
Land and buildings22€4k€3k▼
Plant, machinery and equipment23€20k€21k▲
Furniture and vehicles24€4k€2k▼
Financial fixed assets28€600€86k▲
Current assets29/58€731k€1.36M▲
Amounts receivable after more than one year29€30k€38k▲
Trade receivables290€30k€38k▲
Stocks and contracts in progress3-€471k
Stocks30/36-€471k
Amounts receivable within one year40/41€50k€174k▲
Trade receivables40€32k€44k▲
Other amounts receivable41€18k€130k▲
Current investments50/53€364k€598k▲
Cash at bank and in hand54/58€278k€74k▼
Deferred charges and accrued income490/1€9k€5k▼
Equity and liabilities
Total equity and liabilities10/49€759k€1.47M▲
Equity10/15€608k€1.02M▲
Contributions10/11€19k€19k=
Reserves13€589k€1.01M▲
Distributable reserves133€589k€1.01M▲
Amounts payable17/49€151k€447k▲
Amounts payable within one year42/48€151k€446k▲
Current portion of amounts payable after more than one year42-€165k
Trade debts44€7k€50k▲
Suppliers440/4€7k€50k▲
Advances received on contracts in progress46-€75k
Taxes, remuneration and social security45€144k€156k▲
Taxes450/3€138k€151k▲
Remuneration and social security454/9€6k€6k=
Other amounts payable47/48€430-
Accrued charges and deferred income492/3-€1k
Income statement
Code20232024
Non-recurring operating income76A€18k-
Remuneration, social security and pensions62-€5k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€7k▲
Other operating charges640/8€1k€707▼
Gross operating margin9900€660k€662k▲
Operating profit (loss)9901€654k€650k▼
Financial income75/76B€727€4k▲
Recurring financial income75€727€4k▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€652k€653k▲
Income taxes67/77€170k€211k▲
Profit (loss) for the period9904€483k€442k▼
Profit (loss) for the period to be appropriated9905€483k€442k▼
Appropriation of the result
Profit (loss) to be appropriated9906€483k€442k▼
Transfer from equity791/2€271k€25k▼
Transfer to equity691/2€483k€442k▼
To other reserves6921€483k€442k▼
Profit to be distributed694/7€271k€25k▼
Return on contributions (dividend)694€271k€25k▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Equity above €1MEq €1.02M ▲68.7%
6 profitable years in a row build equity to €1.02M.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2019net €483k ▲139%
Operating result €654k, net result €483k, both a record.
31-12
Financial
Equity above €500kEq €608k ▲53.6%
5 profitable years in a row build equity to €608k.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €396k ▲118%
4 profitable years in a row build equity to €396k.
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €150kEq €181k ▲61%
3 profitable years in a row build equity to €181k.
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
31-12
Financial
Equity above €100kEq €113k ▲215%
2 profitable years in a row build equity to €113k.
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Sint-Katelijne-Waver · 1 establishment unit since 2018
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Liersesteenweg 246 A2860 Sint-Katelijne-WaverGround area
1,057 m²
Building footprint
134 m²
Volume, LiDAR
810 m³
Parcel 12035A0009/00C003, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ALGEMENE BOUWONDERNEMING CLAES - DANIELS
since 20182.276.384.419
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12035A0009/00C003 | Flanders | 1,057 m² | 1 · 134 m² | 8.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,503 companies in sector 82990 we hold annual accounts for 9,402. 4,498 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-05-2018
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
82990Other business support services
43221Plumbing work
43310Plastering work
43320Joinery installation
43422Screed work
47521Retail sale of hardware, building materials, paint and glass (general range)
77320Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.