De Klaver

Active

Private limited companyfounded 20205 yrs activeLiersebaan 32A, 2240 Zandhoven, BelgiumKBO/BCE: BE 0755.709.974

The computed 12-month bankruptcy probability of De Klaver is 4.4% (elevated). The 2025 annual accounts show equity of €13k and a net result of €-6k. Equity is shrinking by ~30% per year across the filed fiscal years. Its solvency ranks better than 85% of 13091 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

54 / 100

Fair

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

Axes · tick = 2024

Profitability1▼-81

Solvency98▲+7

Growth32=

Track record94

Bankruptcy probability, 12 months

4.4% Elevated

0%0.5%1.5%4%10%≥ 25%

Credit up to €500 at 30 days only on tighter terms

Liquidity ample (current ratio 3.29 against 2.59 in 2024; short-term debt: 27.4% and cash: 86.2% of total assets), and 27.4% 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

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

+raises risk○neutral

Higher-failure-rate sector

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

Gazette · bankruptcies per sector, NACE 56

Relative position

BE, all sectors

reference

Sector 56

higher

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

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

72.6%

Return on assets

-31.4%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-07-2026, 30 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

30 d early

2024

1 d early

2023

56 d late

2022

25 d late

2021

214 d late

← 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

17-09-2026 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

€13k▼ 30.2%

2024 · €18k

2021: €53k 2022: €40k 2023: €15k 2024: €18k

2021 → 2025

Total assets

€18k▼ 36.2%

2024 · €28k

2021: €69k 2022: €56k 2023: €21k 2024: €28k

2021 → 2025

Net result

€-6k

2024 · €3k

2021: €50k 2022: €-12k 2023: €-25k 2024: €3k

2021 → 2025

Working capital

€11k▼ 25.0%

2024 · €15k

2021: €44k 2022: €28k 2023: €8k 2024: €15k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€53k-€40k▼ 23.5%€15k▼ 61.9%€18k▲ 19.5%€13k▼ 30.2%

Operating result€63k-€-12k€-22k▼ 86.5%€4k€-4k

Net result€50k-€-12k€-25k▼ 102%€3k€-6k

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

Result per fiscal year

Operating resultNet result

The operating result turns negative in 2025: a loss of €4k after €4k in 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €18k

10%

90.3%

Fixed assets €2k▼ 51.7%

Current assets €16k▼ 33.9%

Equity and liabilities €18k

72.6%

27.4%

Equity €13k▼ 30.2%

Debt €5k▼ 48.0%

The debt ratio falls from 33.7% to 27.4%. Equity and debt are lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€166▼

2024 · €8k

Cash flow

€-2k▼

2024 · €7k

Solvency

72.6%▲

2024 · 66.3%

Current ratio

3.29▲

2024 · 2.59

Quick ratio

3.29▲

2024 · 2.59

Debt / equity

0.38▼

2024 · 0.51

ROE

-43.2%▼

2024 · 16.3%

ROA

-31.4%▼

2024 · 10.8%

Interest coverage

0.09▼

2024 · 9.29

Debt

€5k▼

2024 · €9k

Debt ≤ 1 year

€5k▼

2024 · €9k

Staff costs

€12k▲

2024 · €10k

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€28k€18k▼

Fixed assets21/28€4k€2k▼

Intangible fixed assets21€263-

Tangible fixed assets22/27€3k€2k▼

Plant, machinery and equipment23€1k€2k▲

Furniture and vehicles24€2k-

Current assets29/58€24k€16k▼

Amounts receivable within one year40/41€637€725▲

Trade receivables40€128€531▲

Other amounts receivable41€509€195▼

Cash at bank and in hand54/58€23k€15k▼

Equity and liabilities

Total equity and liabilities10/49€28k€18k▼

Equity10/15€18k€13k▼

Contributions10/11€3k€3k=

Reserves13€15k€10k▼

Distributable reserves133€15k€10k▼

Amounts payable17/49€9k€5k▼

Amounts payable within one year42/48€9k€5k▼

Trade debts44€3k-

Suppliers440/4€3k-

Taxes, remuneration and social security45€549€4k▲

Taxes450/3-€2k

Remuneration and social security454/9€549€2k▲

Other amounts payable47/48€6k€351▼

Income statement Code20242025

Remuneration, social security and pensions62€10k€12k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▼

Other operating charges640/8€2k€1k▼

Gross operating margin9900€20k€13k▼

Operating profit (loss)9901€4k€-4k▼

Financial charges65/66B€863€2k▲

Recurring financial charges65€863€2k▲

Profit (loss) for the period before taxes9903€3k€-6k▼

Profit (loss) for the period9904€3k€-6k▼

Profit (loss) for the period to be appropriated9905€3k€-6k▼

Appropriation of the result

Profit (loss) to be appropriated9906€3k€-6k▼

Transfer from equity791/2-€6k

Transfer to equity691/2€3k-

To other reserves6921€3k-

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 7Financial 2Filings 5

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

2026

01-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

30-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Back to profitnet €3k

Net result €3k after 2 loss-making years.

25-09

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 56 days late

2023

31-12

Financial Weakest financial yearnet €-25k

Net result drops to €-25k, the lowest in the series; recovery starts the following year.

25-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 25 days late

02-03

NBB filing Annual accounts filed

fiscal year 2021 · abbreviated schema · 214 days late

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

Directors · office · real estate

Directors

no sitting director, no change since 2024

We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.

01-10-2024 Mustafa Sadula: Resigned as Director

12-02-2021 Emin Bahri: Resigned as Director

Location & real-estate footprint

Registered office, Zandhoven · 1 establishment unit since 2020

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.

Liersebaan 32A2240 Zandhoven

Ground area

139 m²

Building footprint

133 m²