KLAVER 4
ActiveKLAVER 4 has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €844k and a net result of €316k. Equity is shrinking by ~6.5% per year across the filed fiscal years. Its solvency ranks better than 70% of 9098 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +55 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency98▲+46
Growth78▲+20
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €85k at 30 days acceptable
Liquidity ample (current ratio 3.27 against 1.37 in 2024), and 43% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 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
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
57%
Return on assets
21.3%
Age of the figures
11 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €844k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 13-03-2026, 48 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
48 d early
2024
30 d early
2023
41 d early
2022
30 d early
2021
10 d early
2020
36 d early
2019
30 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
14-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€844k▲ 59.8%
2024 · €528k
2018: €781k
2019: €728k
2020: €678k
2021: €630k
2022: €590k
2023: €529k
2024: €528k
2018 → 2025
Total assets
€1.48M▼ 21.7%
2024 · €1.89M
2018: €3.56M
2019: €3.38M
2020: €3.19M
2021: €2.98M
2022: €2.83M
2023: €2.15M
2024: €1.89M
2018 → 2025
Net result
€316k
2024 · €-461
2018: €-63k
2019: €-54k
2020: €-50k
2021: €-48k
2022: €-40k
2023: €-62k
2024: €-461
2018 → 2025
Working capital
€423k▲ 52.0%
2024 · €278k
2018: €1.22M
2019: €1.06M
2020: €903k
2021: €743k
2022: €586k
2023: €404k
2024: €278k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€630k-€590k▼ 6.3%€529k▼ 10.4%€528k▼ 0.1%€844k▲ 59.8%
Operating result€-23k-€-22k▲ 2.2%€-39k▼ 76.2%€-2k▲ 93.7%€317k
Net result€-48k-€-40k▲ 16.3%€-62k▼ 54.5%€-461▲ 99.3%€316k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €317k after a loss of €2k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.48M
Fixed assets
€871k▲ 2.4%
Current assets
€609k▼ 41.5%
Equity and liabilities €1.48M
Equity
€844k▲ 59.8%
Debt
€636k▼ 53.3%
The debt ratio falls from 72.1% to 43.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€338k▲
2024 · €19k
Cash flow
€337k▲
2024 · €21k
Solvency
57.0%▲
2024 · 27.9%
Current ratio
3.27▲
2024 · 1.37
Quick ratio
3.27▲
2024 · 1.37
Debt / equity
0.75▼
2024 · 2.58
ROE
37.4%▲
2024 · -0.1%
ROA
21.3%▲
2024 · 0.0%
Interest coverage
17.75▲
2024 · 0.83
Debt
€636k▼
2024 · €1.36M
Debt ≤ 1 year
€186k▼
2024 · €762k
Debt > 1 year
€449k▼
2024 · €600k
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€1.89M€1.48M▼
Fixed assets21/28€851k€871k▲
Tangible fixed assets22/27€851k€871k▲
Land and buildings22€851k€829k▼
Other tangible fixed assets26-€42k
Current assets29/58€1.04M€609k▼
Amounts receivable after more than one year29€0-
Trade receivables290€0-
Amounts receivable within one year40/41€24k€5k▼
Trade receivables40€17k€0▼
Other amounts receivable41€7k€5k▼
Current investments50/53€900k€400k▼
Cash at bank and in hand54/58€108k€197k▲
Deferred charges and accrued income490/1€8k€7k▼
Equity and liabilities
Total equity and liabilities10/49€1.89M€1.48M▼
Equity10/15€528k€844k▲
Contributions10/11€1.21M€1.21M=
Capital10€1.21M€1.21M=
Issued capital100€1.21M€1.21M=
Profit (loss) carried forward14€-683k€-367k▲
Amounts payable17/49€1.36M€636k▼
Amounts payable after more than one year17€600k€449k▼
Financial debts170/4€600k€449k▼
Amounts payable within one year42/48€762k€186k▼
Current portion of amounts payable after more than one year42€146k€150k▲
Trade debts44€4k€28k▲
Suppliers440/4€4k€28k▲
Taxes, remuneration and social security45€10k€7k▼
Taxes450/3€10k€7k▼
Other amounts payable47/48€602k€743▼
Accrued charges and deferred income492/3€724€749▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€21k=
Other operating charges640/8€23k€42k▲
Gross operating margin9900€42k€380k▲
Operating profit (loss)9901€-2k€317k▲
Financial income75/76B€25k€18k▼
Recurring financial income75€25k€18k▼
Financial charges65/66B€23k€19k▼
Recurring financial charges65€23k€19k▼
Profit (loss) for the period before taxes9903€-461€316k▲
Profit (loss) for the period9904€-461€316k▲
Profit (loss) for the period to be appropriated9905€-461€316k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-683k€-367k▲
Profit (loss) brought forward from the previous period14P€-683k€-683k▼
The notes to these accounts (13 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
2026
13-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Back to profitnet €316k
Net result €316k after 7 loss-making years.
30-09
Financial
Liquidity doublescurrent ratio 3.27
Current ratio from 1.37 to 3.27; short-term debt falls from €762k to €186k.
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
20-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
20-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
25-03
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-03
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
22-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
20-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-03
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, Kluisbergen · 1 establishment unit since 2003
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.
Kwaremontplein 229690 KluisbergenGround area
2,255 m²
Building footprint
475 m²
Parcel 45018A0096/00D000, Flanders. Linked by address, not a title deed.
1 establishment unit
KLAVER 4
since 20032.133.192.722
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45018A0096/00D000 | Flanders | 2,255 m² | 1 · 475 m² | - |
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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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IMMO EECKE
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Of 11,702 companies in sector 68310 we hold annual accounts for 6,876. 3,937 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded14-01-2003
Fiscal year end30-09
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
70311
41003General construction of other non-residential buildings
45213
64910Financial service activities, except insurance and pension funding
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.