4TWELVE

Active

Private limited companyfounded 20232 yrs activeGuylei 35, 2930 Brasschaat, BelgiumKBO/BCE: BE 1001.858.164

4TWELVE has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €11k and a net result of €-10k. Its solvency ranks better than 17% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).

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Checked score

Score 2025

59 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability8▼-68

Solvency36▼-9

Growth32

Track record82

Bankruptcy probability, 12 months

0.5% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €500 at 30 days acceptable

Liquidity ample (current ratio 50.77 against 2.57 in 2024; short-term debt: 2% and cash: 77.4% of total assets), but 89.5% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 70

Relative position

BE, all sectors

reference

Sector 70

lower

← fewer bankruptcies more bankruptcies →

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

10.5%

Return on assets

-8.8%

Age of the figures

9 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 31662 sector peers (2025).

NBB · sector comparison

Position among 31662 sector peers

Solvency

better than 17%

← weakest strongest →

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 2 filings

Deviation from the deadline

2025

20 d late

2024

7 d early

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

22-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€11k▼ 45.6%

2024 · €21k

2024: €21k

2024 → 2025

Total assets

€109k▲ 3.0%

2024 · €105k

2024: €105k

2024 → 2025

Net result

€-10k

2024 · €16k

2024: €16k

2024 → 2025

Working capital

€105k▲ 63.7%

2024 · €64k

2024: €64k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€21k-€11k▼ 45.6%

Operating result€23k-€-8k

Net result€16k-€-10k

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result turns negative in 2025: a loss of €8k after €23k in 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €109k

99.1%

Fixed assets €1k

Current assets €107k

Equity and liabilities €109k

11%

89.5%

Equity €11k▼ 45.6%

Debt €97k▲ 15.2%

The debt ratio rises from 80.0% to 89.5%. Equity is lower and debt is higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€-8k

Cash flow

€-9k

Solvency

10.5%▼

2024 · 20.0%

Current ratio

50.77▲

2024 · 2.57

Quick ratio

50.77▲

2024 · 2.57

Debt / equity

8.49▲

2024 · 4.01

ROE

-83.9%▼

2024 · 76.2%

ROA

-8.8%▼

2024 · 15.2%

Interest coverage

-4.22

Debt

€97k▲

2024 · €84k

Debt ≤ 1 year

€2k▼

2024 · €41k

Debt > 1 year

€93k▲

2024 · €42k

Income taxes

€0▼

2024 · €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 · 2025 against 2024

Balance sheet Code20242025

Assets

Total assets20/58€105k€109k▲

Fixed assets21/28-€1k

Tangible fixed assets22/27-€1k

Furniture and vehicles24-€1k

Current assets29/58€105k€107k▲

Amounts receivable within one year40/41€69k€24k▼

Trade receivables40€69k€18k▼

Other amounts receivable41-€5k

Cash at bank and in hand54/58€37k€84k▲

Equity and liabilities

Total equity and liabilities10/49€105k€109k▲

Equity10/15€21k€11k▼

Contributions10/11€5k€5k=

Reserves13€16k€6k▼

Distributable reserves133€16k€6k▼

Amounts payable17/49€84k€97k▲

Amounts payable after more than one year17€42k€93k▲

Financial debts170/4€42k€93k▲

Amounts payable within one year42/48€41k€2k▼

Trade debts44€35k€395▼

Suppliers440/4€35k€395▼

Taxes, remuneration and social security45€4k€2k▼

Taxes450/3€4k€2k▼

Other amounts payable47/48€2k€0▼

Accrued charges and deferred income492/3€2k€2k▼

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€173

Other operating charges640/8€118€120▲

Gross operating margin9900€23k€-8k▼

Operating profit (loss)9901€23k€-8k▼

Financial income75/76B-€146

Recurring financial income75-€146

Financial charges65/66B€2k€2k▲

Recurring financial charges65€2k€2k▲

Profit (loss) for the period before taxes9903€21k€-10k▼

Income taxes67/77€5k€0▼

Profit (loss) for the period9904€16k€-10k▼

Profit (loss) for the period to be appropriated9905€16k€-10k▼

Appropriation of the result

Profit (loss) to be appropriated9906€16k€-10k▼

Transfer from equity791/2-€10k

Transfer to equity691/2€16k€0▼

To other reserves6921€16k€0▼

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 3Financial 1Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

20-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 20 days late

2025

31-12

Financial Liquidity times 20current ratio 50.77

Current ratio from 2.57 to 50.77; short-term debt falls from €41k to €2k.

24-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

2 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, Brasschaat · 1 establishment unit since 2023

establishment The establishment unit on the map

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.

Guylei 352930 Brasschaat

Ground area

3,948 m²

Building footprint

612 m²

Volume, LiDAR

3,791 m³

Parcel 11323F0088/00S000, Flanders · tallest building 12.2 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

4TWELVE

Guylei 35, 2930 BrasschaatReal estate development

since 20232.353.522.777

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11323F0088/00S000	Flanders	3,948 m²	1 · 612 m²	12.2 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.

Similar companies · same sector, comparable size

Mahto

BE 0770.595.219

Lubbeek · Eq €11k

Horeca Consulting and Events

Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 24,456 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded02-11-2023

Fiscal year end31-12

Activities, NACEBEL

70200Business and other management consultancy

70220Business consulting

64200Holdings

64210Activities of holding companies

70210Activities of head offices; management consultancy activities

73300Public relations and communication consultancy

Sources

Crossroads Bank for EnterprisesNational Bank · 2 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.