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KLAVER 4

Active
Public limited companyfounded 2003active for 23 yearsKwaremontplein 22, 9690 Kluisbergen, BelgiumKBO/BCE: BE 0479.281.849

From the official registers: KBO 22 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

KLAVER 4 has been active since 2003 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €844,361 and a net result of €315,947. Equity is shrinking by about 6.2% per year across the filed financial years. Its solvency ranks better than 71% of 11,221 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Risk analysisFollow ReportCompare
KLAVER 4ActiveChecked score 98/100
Risk analysis ReportCompare

Overview

Official details

KBO
Status
Active since 14-01-2003 Normal situation
Legal form
Public limited company
Registered office
Kwaremontplein 22, 9690 Kluisbergen
Activity
Real estate agency activities NACE 68310and 3 others
Establishment unit
2.133.192.722 9690 Kluisbergen, since 08-03-2003
Financial year end
30 September
Peppol
Reachable since 15-12-2025
Company details

Who decides

Board
Shareholders
Board & ownership

How it is doing

98 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Annual accounts to 30-09-2025
Gross margin
€380,015
▲ 803%
Turnover
≈ €930,000
estimated
Profit
€315,947
Equity
€844,361
▲ 59.8%
Total assets
€1.5m
▼ 21.7%
2025 accounts 48 days early
Filed on 13-03-2026PDF
Financials
Why 98lowers riskSize: total assets €1.5mLiquidity: current ratio 3.27, cash €197,160Figures for financial year 2025 (filed 13-03-2026)Equity €844,361 (57.0% of total assets)Show the evidence

Checked score

Score 2025
98 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 80% of its sector peers (NACE 68, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Strong
Solvency 82+29
equity 57.0% of total assets
Liquidity 65+27
short-term debt 12.6% · cash 13.3%
Profitability 95+69
return on assets 21.3%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (26,628 companies, NACE 68, micro)
Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● unchanged vs 11-2024 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: 0.1%▲ +0.1 percentage points vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.1%● unchanged vs 06-2025 08-2025: 0.1%● unchanged vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025 02-2026: 0.1%● unchanged vs 01-2026highest value 03-2026: 0.1%● unchanged vs 02-2026 04-2026: < 0.1%▼ -0.1 percentage points vs 03-2026lowest value 05-2026: < 0.1%● unchanged vs 04-2026lowest value 06-2026: < 0.1%● unchanged vs 05-2026lowest value 07-2026: < 0.1%● unchanged vs 06-2026lowest value 08-2026: < 0.1%● unchanged vs 07-2026lowest value 09-2026: < 0.1%● unchanged vs 08-2026lowest value 10-2026: < 0.1%● unchanged vs 09-2026
Credit of up to €80,000 on 30-day terms is acceptable
Liquidity ample (current ratio 3.27, compared with 1.37 in 2024, above the usual 1.5; short-term debt: 12.6% and cash: 13.3% of total assets), and 43% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro): better than 69% on solvency, 76% on liquidity, 88% on profitability and 87% on growth.

The bankruptcy probability was computed on 31-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
lowers riskneutral
lowers risk · Size: total assets €1.5m
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
lowers risk · Liquidity: current ratio 3.27, cash €197,160
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed 13-03-2026)
NBB · annual accounts
lowers risk · Equity €844,361 (57.0% of total assets)
NBB · annual accounts
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025
Equity per financial year
19202122232425
2019 to 2025 · latest year €844,361
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 filings
Deviation from the deadline
2025
48 days early
2024
30 days early
2023
41 days early
2022
30 days early
2021
10 days early
2020
36 days early
2019
30 days 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 32 days before the deadline; the sector median (NACE 68) for financial year 2024 is 7 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 31 March (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
30-09-2026 year end31-10-2026 today30-04-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage

Key points

  • Positive: Back in profit in 2025after -€461 in 2024 €315,947 View
  • Positive: Among the best 10% on net resultsector median €10,048 · 11,212 companies €315,947 View
  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View

Documents

Annual accounts at the NBB

All 22 annual accounts

Acts in the Belgian Official Gazette

All publications in the Belgian Official Gazette

Articles and registers

Key facts about KLAVER 4

What is the company number of KLAVER 4?
0479.281.849. In Belgium the VAT number is the company number with BE in front: BE 0479.281.849.
Where is KLAVER 4 based?
The registered office is at Kwaremontplein 22, 9690 Kluisbergen.Company details
What does KLAVER 4 do?
According to the KBO register, the main activity is real estate agency activities (NACE 68310).
What is the legal form of KLAVER 4?
Public limited company (NV).
When was KLAVER 4 founded?
On 14-01-2003.
Is KLAVER 4 still active?
Yes, KLAVER 4 is an active enterprise in the KBO register.
What is the turnover of KLAVER 4?
≈ €930,000 in financial year 2025. Estimated from the gross margin of €380,015: probably between €650,000 and €1.2m, based on 30 comparable companies, NACE 683.Financials
Is KLAVER 4 profitable?
In financial year 2025, KLAVER 4 made a profit of €315,947.
Where can I find the annual accounts of KLAVER 4?
KLAVER 4 filed 22 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts 2025 (PDF)
When are the next annual accounts of KLAVER 4 due?
By 30-04-2027, for financial year 2026.Timeline

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