IMMO KLAVERTJE VIER
ActiveIMMO KLAVERTJE VIER has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €290k and a net result of €-73k. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 27% of 9183 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability33▼-9
Solvency34▼-3
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity short (current ratio 0.04 against 0.06 in 2024; short-term debt: 29.8% and cash: 0.1% of total assets), and 91.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
raises risk · 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 2025Solvency, return and age of the figures
Solvency
8.8%
Return on assets
-2.2%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 29-10-2025, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
1 d early
2023
8 d early
2022
3 d early
2021
2 d early
2020
30 d late
2019
4 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close23-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€290k▼ 20.1%
2024 · €362k
2019: €273k
2021: €382k
2022: €343k
2023: €332k
2024: €362k
2019 → 2025
Total assets
€3.30M▲ 10.9%
2024 · €2.98M
2019: €2.14M
2021: €2.07M
2022: €2.75M
2023: €3.09M
2024: €2.98M
2019 → 2025
Net result
€-73k
2024 · €31k
2019: €57k
2021: €58k
2022: €-39k
2023: €-11k
2024: €31k
2019 → 2025
Working capital
€-946k▼ 72.0%
2024 · €-550k
2019: €-119k
2021: €-30k
2022: €-144k
2023: €-553k
2024: €-550k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€382k-€343k▼ 10.2%€332k▼ 3.3%€362k▲ 9.3%€290k▼ 20.1%
Operating result€86k-€-1k€48k€119k▲ 146%€27k▼ 77.4%
Net result€58k-€-39k€-11k▲ 71.0%€31k€-73k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 77% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.30M
Fixed assets
€3.26M▲ 10.9%
Current assets
€37k▲ 6.6%
Equity and liabilities €3.30M
Equity
€290k▼ 20.1%
Debt
€3.01M▲ 15.1%
The debt ratio rises from 87.8% to 91.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€202k▼
2024 · €233k
Cash flow
€102k▼
2024 · €145k
Solvency
8.8%▼
2024 · 12.2%
Current ratio
0.04▼
2024 · 0.06
Quick ratio
0.04▼
2024 · 0.06
Debt / equity
10.40▲
2024 · 7.22
ROE
-25.1%▼
2024 · 8.5%
ROA
-2.2%▼
2024 · 1.0%
Interest coverage
2.02▼
2024 · 2.64
Debt
€3.01M▲
2024 · €2.62M
Debt ≤ 1 year
€983k▲
2024 · €584k
Debt > 1 year
€1.98M▼
2024 · €2.01M
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€2.98M€3.30M▲
Fixed assets21/28€2.94M€3.26M▲
Tangible fixed assets22/27€2.94M€3.26M▲
Land and buildings22€2.46M€2.78M▲
Other tangible fixed assets26€483k€483k=
Current assets29/58€34k€37k▲
Amounts receivable within one year40/41€944€9k▲
Trade receivables40€712€8k▲
Other amounts receivable41€232€657▲
Cash at bank and in hand54/58€6k€5k▼
Deferred charges and accrued income490/1€27k€23k▼
Equity and liabilities
Total equity and liabilities10/49€2.98M€3.30M▲
Equity10/15€362k€290k▼
Contributions10/11€208k€208k=
Reserves13€155k€82k▼
Distributable reserves133€155k€82k▼
Amounts payable17/49€2.62M€3.01M▲
Amounts payable after more than one year17€2.01M€1.98M▼
Financial debts170/4€1.51M€1.33M▼
Other amounts payable178/9€504k€649k▲
Amounts payable within one year42/48€584k€983k▲
Current portion of amounts payable after more than one year42€179k€180k▲
Financial debts43€405k€801k▲
Credit institutions430/8€405k€801k▲
Trade debts44€56€759▲
Suppliers440/4€56€759▲
Other amounts payable47/48€500€500=
Accrued charges and deferred income492/3€20k€53k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€114k€175k▲
Other operating charges640/8€16k€17k▲
Gross operating margin9900€249k€219k▼
Operating profit (loss)9901€119k€27k▼
Financial income75/76B€89-
Recurring financial income75€89-
Financial charges65/66B€88k€100k▲
Recurring financial charges65€88k€100k▲
Profit (loss) for the period before taxes9903€31k€-73k▼
Profit (loss) for the period9904€31k€-73k▼
Profit (loss) for the period to be appropriated9905€31k€-73k▼
Appropriation of the result
Profit (loss) to be appropriated9906€31k€-73k▼
Transfer from equity791/2-€73k
Transfer to equity691/2€31k-
To other reserves6921€31k-
The notes to these accounts (18 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
29-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-03
Financial
Weakest financial yearnet €-73k ▼337%
Net result drops to €-73k, the lowest in the series.
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-03
Financial
Back to profitnet €31k
Net result €31k after 2 loss-making years.
2023
23-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
28-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
31-03
Financial
Highest result since 2019net €58k ▲1.8%
Net result €58k, the highest in the series.
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2019
04-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 4 days late
2018
26-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
05-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
31-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Kalmthout · 1 establishment unit since 2009
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.
Achterbroeksteenweg (Dp) 1842920 KalmthoutGround area
1,497 m²
Building footprint
2,068 m²
Volume, LiDAR
12,928 m³
Parcel 11662D0544/00E002, Flanders · tallest building 11.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Achterbroeksteenweg (Ab) 184, 2920 Kalmthout
since 20092.176.905.276
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11662D0544/00E002 | Flanders | 1,496 m² | 1 · 2,068 m² | 11.0 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 7,321 companies in sector 68110 we hold annual accounts for 5,382. 3,854 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-02-2009
Fiscal year end31-03
Activities, NACEBEL
68110Buying and selling of own real estate
70200Business and other management consultancy
70220Business consulting
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
68310Real estate agency activities
68311Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.