Klavertje 4
ActiveKlavertje 4 has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €149k and a net result of €-39k. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 29% of 461 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability10▼-78
Solvency53▼-14
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity tight (current ratio 1.41 against 1.95 in 2024; short-term debt: 56.3% and cash: 29.1% of total assets), and 72.2% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 87
Relative position
BE, all sectors
reference
Sector 87
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
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 05-06-2026, 56 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
56 d early
2024
48 d early
2023
41 d early
2022
45 d early
2021
41 d early
2020
18 d late
2018
28 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€149k▼ 20.8%
2024 · €188k
2018: €116k
2020: €288k
2021: €402k
2022: €538k
2023: €121k
2024: €188k
2018 → 2025
Total assets
€537k▲ 21.1%
2024 · €444k
2018: €193k
2020: €543k
2021: €564k
2022: €876k
2023: €519k
2024: €444k
2018 → 2025
Net result
€-39k
2024 · €67k
2018: €-8k
2020: €80k
2021: €114k
2022: €136k
2023: €103k
2024: €67k
2018 → 2025
Working capital
€124k▼ 23.3%
2024 · €161k
2018: €56k
2020: €264k
2021: €387k
2022: €534k
2023: €118k
2024: €161k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€402k-€538k▲ 33.7%€121k▼ 77.4%€188k▲ 55.2%€149k▼ 20.8%
Operating result€112k-€131k▲ 16.7%€105k▼ 19.3%€70k▼ 33.2%€-37k
Net result€114k-€136k▲ 18.9%€103k▼ 23.6%€67k▼ 35.2%€-39k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €37k after €70k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €537k
Fixed assets
€111k▼ 1.6%
Current assets
€426k▲ 28.8%
Equity and liabilities €537k
Equity
€149k▼ 20.8%
Debt
€388k▲ 51.9%
The debt ratio rises from 57.6% to 72.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-13k▼
2024 · €93k
Cash flow
€-15k▼
2024 · €90k
Solvency
27.8%▼
2024 · 42.4%
Current ratio
1.41▼
2024 · 1.95
Quick ratio
1.41▼
2024 · 1.95
Debt / equity
2.60▲
2024 · 1.36
ROE
-26.2%▼
2024 · 35.6%
ROA
-7.3%▼
2024 · 15.1%
Interest coverage
-6.02▼
2024 · 27.29
Debt
€388k▲
2024 · €256k
Debt ≤ 1 year
€303k▲
2024 · €170k
Debt > 1 year
€8k▼
2024 · €17k
Staff costs
€884k▲
2024 · €864k
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€444k€537k▲
Fixed assets21/28€113k€111k▼
Intangible fixed assets21€1k€74▼
Tangible fixed assets22/27€112k€111k▼
Land and buildings22€47k€56k▲
Plant, machinery and equipment23€9k€6k▼
Furniture and vehicles24€36k€33k▼
Other tangible fixed assets26€20k€16k▼
Current assets29/58€331k€426k▲
Amounts receivable within one year40/41€308k€263k▼
Trade receivables40€148k€208k▲
Other amounts receivable41€160k€55k▼
Cash at bank and in hand54/58€12k€157k▲
Deferred charges and accrued income490/1€10k€7k▼
Equity and liabilities
Total equity and liabilities10/49€444k€537k▲
Equity10/15€188k€149k▼
Contributions10/11€12k€12k=
Capital10€12k€12k=
Profit (loss) carried forward14€176k€137k▼
Amounts payable17/49€256k€388k▲
Amounts payable after more than one year17€17k€8k▼
Financial debts170/4€17k€8k▼
Amounts payable within one year42/48€170k€303k▲
Current portion of amounts payable after more than one year42€9k€9k▲
Financial debts43€13k€56k▲
Credit institutions430/8€13k€56k▲
Trade debts44€47k€68k▲
Suppliers440/4€47k€68k▲
Taxes, remuneration and social security45€101k€169k▲
Taxes450/3€1k€12k▲
Remuneration and social security454/9€99k€157k▲
Accrued charges and deferred income492/3€68k€77k▲
Income statement
Code20242025
Remuneration, social security and pensions62€864k€884k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€24k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€960k€874k▼
Operating profit (loss)9901€70k€-37k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€67k€-39k▼
Income taxes67/77€0-
Profit (loss) for the period9904€67k€-39k▼
Profit (loss) for the period to be appropriated9905€67k€-39k▼
Appropriation of the result
Profit (loss) to be appropriated9906€176k€137k▼
Profit (loss) brought forward from the previous period14P€109k€176k▲
Social balance
Average headcount (FTE)908712.913.0▲
The notes to these accounts (21 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
07-09
State Gazette act
Resignations & appointmentsGeneral meeting · Director appointment · Director reappointment10 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director appointment · Director reappointment10 facts ▸
- General meeting, 2026-05-13
- Director appointment, Valérie Anne Fraylich (bestuurder)
- Director reappointment, Jean-Claude Demeuse (bestuurder)
- Director reappointment, VIVALTO HOME BELGIUM (bestuurder)
- Director resignation, Guillaume Raoux (bestuurder)
- Auditor appointment, MAZARS BEDRIJFSREVISOREN - REVISEURS D'ENTREPRISES (commissaris)
- Board meeting, 2026-05-13
- Director appointment, Valérie Anne Fraylich (dagelijks bestuurder)
- Director appointment, VIVALTO HOME BELGIUM (dagelijks bestuurder)
- Director reappointment, Jean-Claude Demeuse (dagelijks bestuurder)
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-39k ▼158%
Net result drops to €-39k, the lowest in the series.
13-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €150kEq €188k ▲55.2%
5 profitable years in a row build equity to €188k.
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €136k ▲18.9%
Operating result €131k, net result €136k, both a record.
31-12
Financial
Equity above €500kEq €538k ▲33.7%
3 profitable years in a row build equity to €538k.
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Liquidity doublescurrent ratio 5.05
Current ratio from 2.27 to 5.05; short-term debt falls from €208k to €95k.
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 18 days late
2020
31-12
Financial
Back to profitnet €80k
Net result €80k after one loss-making year.
31-12
Financial
Equity above €200kEq €288k ▲148%
Equity rises from €116k to €288k.
2019
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
07-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 7 days late
2017
25-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 56 days late
2016
01-12
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 123 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
under verification, no change since 2026
This board is reconstructed from a single act (26359134). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
Valérie Anne Fraylich
CurrentDagelijks bestuurder · since 13-05-2026
VIVALTO HOME BELGIUM
CurrentDagelijks bestuurder · since 13-05-2026 · Public limited company
Jean-Claude DEMEUSE
CurrentDirector
13-05-2026
Valérie Anne Fraylich: Appointed as Dagelijks bestuurder
13-05-2026
Valérie Anne Fraylich: Appointed as Director
13-05-2026
VIVALTO HOME BELGIUM: Appointed as Dagelijks bestuurder
13-05-2026
Guillaume RAOUX: Resigned as Director
Location & real-estate footprint
Registered office, Brecht · 1 establishment unit since 2006
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.
Kruisbooglaan 192960 BrechtGround area
2,332 m²
Building footprint
480 m²
Volume, LiDAR
4,507 m³
Parcel 11042A0034/00W022, Flanders · tallest building 11.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Klavertje 4 vzw
since 20062.157.364.429
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11042A0034/00W022 | Flanders | 2,332 m² | 1 · 480 m² | 11.3 m · 3 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.
Statutory auditor
1 auditor| Forvis Mazars Réviseurs d’EntreprisesCurrent Statutory auditor | 13-05-2026 → present |
Structure & network
Connections & network
48 connected companiesLinked via shared directors
viaJean-Claude DEMEUSE · Director
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viaJean-Claude DEMEUSE · Dagelijks bestuurder
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viaJean-Claude DEMEUSE · Director
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viaJean-Claude DEMEUSE · Director
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Show 33 more companies with a shared director
viaJean-Claude DEMEUSE · Managing director
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viaJean-Claude DEMEUSE · Director
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viaJean-Claude DEMEUSE · Director
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viaJean-Claude DEMEUSE · Managing director
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viaJean-Claude DEMEUSE · Director
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viaJean-Claude DEMEUSE · Director
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viaJean-Claude DEMEUSE · Director
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viaJean-Claude DEMEUSE · Director
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viaJean-Claude DEMEUSE · Director
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viaJean-Claude DEMEUSE · Managing director
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viaJean-Claude DEMEUSE · Director
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viaJean-Claude DEMEUSE · Managing director
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viaJean-Claude DEMEUSE · Managing director
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viaJean-Claude DEMEUSE · Managing director
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viaJean-Claude DEMEUSE · Director
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viaJean-Claude DEMEUSE · Director
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viaJean-Claude DEMEUSE · Director
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viaJean-Claude DEMEUSE · Director
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viaJean-Claude DEMEUSE · Director
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viaJean-Claude DEMEUSE · Managing director
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viaJean-Claude DEMEUSE · Director
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viaJean-Claude DEMEUSE · Managing director
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viaJean-Claude DEMEUSE · Director
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viaJean-Claude DEMEUSE · Director
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viaJean-Claude DEMEUSE · Director
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viaJean-Claude DEMEUSE · Director
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viaJean-Claude DEMEUSE · Director
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viaJean-Claude DEMEUSE · Director
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viaJean-Claude DEMEUSE · Director
former→
viaJean-Claude DEMEUSE · Director
former→
viaJean-Claude DEMEUSE · Managing director
former→
viaJean-Claude DEMEUSE · Director
former→
viaJean-Claude DEMEUSE · Director
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Network connections
Shared corporate director
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Shared corporate director
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Shared corporate director
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Shared corporate director
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Show 7 more network connections
Shared corporate director
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Ownership & control
1 partyControl over this companysits on this company's board1
21 subsidiaries · 1 location
controls
Klavertje 4BE 0445.322.149
Public money · subsidies and aid
Flemish government
2022 to 2025 · 8 entries · 752,601 EUR awarded · 752,601 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 700,288 EUR | 700,288 EUR |
| 2024 | 1 | 2,005 EUR | 8,557 EUR |
| 2023 | 3 | 28,535 EUR | 21,983 EUR |
| 2022 | 3 | 21,773 EUR | 21,773 EUR |
Schemes
Erkenning en financiering/subsidiëring van woonzorgcentra
Subsidie aan instellingen in het beleidsdomein Welzijn, Volksgezondheid en Gezin voor de tussenkomst in de energiekost in 2023
Vlaams opleidingsverlof (VOV)
Relance budget 45 - Inzetten op kwaliteit en 'good governance' van WZC & vooruitschuif nieuw beleid
Recognitions · licences · registrations
Food safety, FASFC
1 siteBrecht2.157.364.429
Care and welfare
2 services · 1 liveKlavertje Vier
Klavertje Vier
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Of 601 companies in sector 87301 we hold annual accounts for 493. 256 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded12-06-1991
Fiscal year end31-12
Activities, NACEBEL
85315
87301Residential care activities
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.