DE KLUIZERIJ
ActiveSummary
DE KLUIZERIJ has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €279,485 and a net result of €263. Equity remains stable across the filed fiscal years (±0.6% per year). Its solvency ranks better than 72% of 693 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability38▲+4
Solvency99▲+17
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21,000 at 30 days acceptable
Liquidity ample (current ratio 4.23 against 2.52 in 2024; short-term debt: 23.7% and cash: 4.8% of total assets), and 26% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 85
Relative position
BE, all sectors
reference
Education (NACE 85)
about 77% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
74%
Return on assets
0.1%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
50 d late
2023
64 d early
2022
29 d late
2021
18 d late
2020
31 d late
2019
38 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average on the deadline day; the sector median for financial year 2024 is 16 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
neutral · 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. Usually files around 18 August (4 of the last 5 filed years within 46 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€279,485▲ 0.1%
2024 · €279,222
Total assets
€377,563▼ 23.3%
2024 · €492,224
Net result
€263
2024 · -€6,751
Working capital
€288,250▼ 3.0%
2024 · €297,126
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 85, Education, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€16,061-€5,801€4,008-€4,168-€865▲ 79.3%
Net result€9,606within the sector's middle half-€10,007below the sector's middle half-€222within the sector's middle half▲ 97.8%-€6,751below the sector's middle half▼ 2,936%€263within the sector's middle half
Equity€296,202above the sector's middle half▲ 3.4%€286,195above the sector's middle half▼ 3.4%€285,973above the sector's middle half▼ 0.1%€279,222above the sector's middle half▼ 2.4%€279,485within the sector's middle half▲ 0.1%
Total assets€699,272above the sector's middle half▲ 7.4%€612,597above the sector's middle half▼ 12.4%€573,275above the sector's middle half▼ 6.4%€492,224above the sector's middle half▼ 14.1%€377,563within the sector's middle half▼ 23.3%
Debt€403,069▲ 10.5%€326,401▼ 19.0%€287,302▼ 12.0%€213,002▼ 25.9%€98,078▼ 54.0%
Working capital€369,560above the sector's middle half▼ 6.0%€327,053above the sector's middle half▼ 11.5%€313,745above the sector's middle half▼ 4.1%€297,126above the sector's middle half▼ 5.3%€288,250within the sector's middle half▼ 3.0%
Solvency42.4%within the sector's middle half▼ 1.6pp46.7%within the sector's middle half▲ 4.4pp49.9%within the sector's middle half▲ 3.2pp56.7%within the sector's middle half▲ 6.8pp74.0%within the sector's middle half▲ 17.3pp
Current ratio2.12within the sector's middle half▼ 0.402.15within the sector's middle half▲ 0.022.21within the sector's middle half▲ 0.062.52within the sector's middle half▲ 0.314.23within the sector's middle half▲ 1.70
Return on assets (ROA)1.4%within the sector's middle half▲ 2.9pp-1.6%within the sector's middle half▼ 3.0pp0.0%within the sector's middle half▲ 1.6pp-1.4%below the sector's middle half▼ 1.3pp0.1%within the sector's middle half▲ 1.4pp
Staff (FTE)
above
within
below
the middle half (P25 to P75) of NACE 85, Education, each year against the same schema; no band under 30 filings.
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 stays negative: a loss of €865 in 2025 against €4,168 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €377,563
Equity
€279,485 ▲ 0.1%
Debt
€98,078 ▼ 54.0%
Debt's share of the balance-sheet total falls from 43.3% to 26.0%. Equity is higher and debt is lower.
Key figures and ratios
Debt to equity
0.35▼
2024 · 0.76
ROE
0.1%▲
2024 · -2.4%
Debt ≤ 1 year
€89,314▼
2024 · €195,098
Debt > 1 year
€8,765▼
2024 · €17,904
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 17,039 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.5%
went bankrupt
4.9%
stopped otherwise
94%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 17,039 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €485 | - | - | - | - | - |
| Other operating charges640/8 | €644 | €868 | €587 | €594 | €400 | ▼ 32.7% |
| Gross operating margin9900 | €17,190 | -€4,933 | €4,594 | -€3,574 | -€465 | ▲ 87.0% |
| Operating profit (loss)9901 | €16,061 | -€5,801 | €4,008 | -€4,168 | -€865 | ▲ 79.3% |
| Financial income75/76B | €0 | €1,281 | €5 | - | €2,981 | - |
| Recurring financial income75 | €0 | €455 | €5 | - | €2,981 | - |
| Non-recurring financial income76B | - | €826 | - | - | - | - |
| Financial charges65/66B | €6,456 | €5,487 | €4,235 | €2,583 | €1,854 | ▼ 28.2% |
| Recurring financial charges65 | €6,456 | €5,487 | €4,235 | €2,583 | €1,854 | ▼ 28.2% |
| Profit (loss) for the period before taxes9903 | €9,606 | -€10,007 | -€222 | -€6,751 | €263 | ▲ 104% |
| Profit (loss) for the period9904 | €9,606 | -€10,007 | -€222 | -€6,751 | €263 | ▲ 104% |
| Profit (loss) for the period to be appropriated9905 | €9,606 | -€10,007 | -€222 | -€6,751 | €263 | ▲ 104% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €699,272 | €612,597 | €573,275 | €492,224 | €377,563 | ▼ 23.3% |
| Current assets29/58 | €699,272 | €612,597 | €573,275 | €492,224 | €377,563 | ▼ 23.3% |
| Amounts receivable within one year40/41 | €699,252 | €612,597 | €551,730 | €485,999 | €359,404 | ▼ 26.0% |
| Trade receivables40 | €19,850 | €41,263 | €282 | - | €4,747 | - |
| Other amounts receivable41 | €679,403 | €571,334 | €551,448 | €485,999 | €354,657 | ▼ 27.0% |
| Cash at bank and in hand54/58 | €19 | - | €21,545 | €6,225 | €18,069 | ▲ 190% |
| Deferred charges and accrued income490/1 | - | - | - | - | €90 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €699,272 | €612,597 | €573,275 | €492,224 | €377,563 | ▼ 23.3% |
| Equity10/15 | €296,202 | €286,195 | €285,973 | €279,222 | €279,485 | ▲ 0.1% |
| Contributions10/11 | €87,600 | €87,600 | €87,600 | €87,600 | €87,600 | = |
| Capital10 | - | €87,600 | €87,600 | €87,600 | €87,600 | = |
| Issued capital100 | - | €91,400 | €91,400 | €91,400 | €91,400 | = |
| Uncalled capital101 | - | €3,800 | €3,800 | €3,800 | €3,800 | = |
| Reserves13 | €29,140 | €29,140 | €29,140 | €198,373 | €198,373 | = |
| Non-distributable reserves130/1 | €29,140 | €29,140 | €29,140 | €29,140 | €29,140 | = |
| Legal reserve130 | - | €29,140 | €29,140 | €29,140 | €29,140 | = |
| Reserves not available under the articles1311 | €29,140 | - | - | - | - | - |
| Distributable reserves133 | - | - | - | €169,233 | €169,233 | = |
| Profit (loss) carried forward14 | €179,462 | €169,455 | €169,233 | -€6,751 | -€6,488 | ▲ 3.9% |
| Amounts payable17/49 | €403,069 | €326,401 | €287,302 | €213,002 | €98,078 | ▼ 54.0% |
| Amounts payable after more than one year17 | €73,358 | €40,858 | €27,772 | €17,904 | €8,765 | ▼ 51.0% |
| Financial debts170/4 | €73,358 | €40,858 | €27,772 | €17,904 | €8,765 | ▼ 51.0% |
| Amounts payable within one year42/48 | €329,711 | €285,544 | €259,530 | €195,098 | €89,314 | ▼ 54.2% |
| Current portion of amounts payable after more than one year42 | €4,047 | €3,758 | - | €10,393 | €9,140 | ▼ 12.1% |
| Financial debts43 | €33,904 | €32,500 | €22,161 | - | - | - |
| Credit institutions430/8 | €11,370 | - | - | - | - | - |
| Other loans439 | €22,533 | €32,500 | €22,161 | - | - | - |
| Trade debts44 | €50,308 | €1,261 | €784 | €600 | €2,024 | ▲ 237% |
| Suppliers440/4 | €50,308 | €1,261 | €784 | €600 | €2,024 | ▲ 237% |
| Taxes, remuneration and social security45 | €88 | €91 | €93 | - | - | - |
| Taxes450/3 | €88 | €91 | €93 | - | - | - |
| Other amounts payable47/48 | €241,364 | €247,935 | €236,492 | €184,105 | €78,151 | ▼ 57.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €9,606 | -€10,007 | -€222 | -€6,751 | €263 | ▲ 104% |
| Operating cash flow (approximation) | €9,606 | -€10,007 | -€222 | -€6,751 | €263 | ▲ 104% |
| Change in cash | - | - | - | -€15,320 | €11,844 | ▲ 177% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €263
Net result €263 after 3 loss-making years.
19-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 50 days late
2024
28-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
31-12
Financial
Back to profitnet €9,606
Net result €9,606 after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Liquidity times 89current ratio 2.52
Current ratio from 0.03 to 2.52.
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €49,663
Net result €49,663 after one loss-making year.
08-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 8 days late
2018
05-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
15-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 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, Affligem · 1 establishment unit since 1998
Ground area
3.2 ha
Building footprint
737 m²
Volume, LiDAR
10,003 m³
2 parcels, Flanders · tallest building 22.3 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Aalsterse Dreef 1 B, 1790 Affligem
since 19982.088.541.642
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23030A0001/00Y002 | Flanders | 3.2 ha | 1 · 711 m² | 22.3 m · 5 fl. |
| 23030A0001/00Z000 | Flanders | 27 m² | 1 · 27 m² | 3.3 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteAffligem2.088.541.642
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Of 11,672 companies in sector 85599 we hold annual accounts for 1,330. 873 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded21-08-1998
Fiscal year end31-12
Activities, NACEBEL 2025
85599Other education
E-invoicing
Reachable via Peppol
Peppol ID
0208:0464032855
Also
9925:BE0464032855
Registered
02-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.