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Klavertje 4

Active
Non-profit associationfounded 1991active for 35 yearsKruisbooglaan 19, 2960 Brecht, BelgiumKBO/BCE: BE 0445.322.149
Summary

Klavertje 4 has been active since 1991 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €149,297 and a net result of -€39,096. Equity has been stable since 2018 (±0.9% per year). Its solvency ranks better than 26% of 602 sector peers (NACE 87, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Overview

Official details

Source: KBO
Status
Active since 12-06-1991 Normal situation
Activity
Residential care activities NACE 87301
Joint committee
330.01 Paritair Comité voor de gezondheidsinrichtingen en -diensten · annual accounts 2025
Establishment unit
2.157.364.429 2960 Brecht, since 16-11-2006
Financial year end
31 December
Peppol
Reachable since 02-12-2025

Financial position

91 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Annual accounts 2025
Gross margin
€874,219
▼ 8.9%
Turnover
≈ €2.1m
estimated
Deficit
€39,096
Equity
€149,297
▼ 20.8%
Total assets
€537,465
▲ 21.1%
Employees on 31-12-2025
20
▲ 25.0%
Score breakdownraises riskLoss of €39,096 (financial year 2025)lowers riskLegal form: non-profit associationSector: Residential care activities (NACE 87)Liquidity: current ratio 1.41, cash €156,636Show the evidence

Checked score

Score 2025
91 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 27% of small companies in residential care (NACE 87)
Financial strength · tick: 2024
Weak
Solvency 53-14
equity 27.8% of total assets
Liquidity 57+21
short-term debt 56.3% · cash 29.1%
Profitability 10-78
return on assets -7.3%
Bankruptcy probability within 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 < 0.1% (613 companies, NACE 87, small)
Last 24 months 12-2024: < 0.1% 01-2025: < 0.1%● unchanged vs 12-2024lowest value 02-2025: < 0.1%● unchanged vs 01-2025lowest value 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged 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 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026highest value 07-2026: < 0.1%● unchanged vs 06-2026 08-2026: < 0.1%● unchanged vs 07-2026 09-2026: < 0.1%● unchanged vs 08-2026 10-2026: < 0.1%● unchanged vs 09-2026 11-2026: < 0.1%● unchanged vs 10-2026
Credit of up to €13,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.41 (1.95 in 2024), below the usual 1.5. Short-term debt is 56.3% and cash 29.1% of total assets. 72.2% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 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 87, small). It does better than 34% of them on solvency, 50% on liquidity, 11% on profitability and 12% on growth.

The bankruptcy probability was computed on 03-11-2026 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. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Legal form: non-profit association
KBO
lowers risk · Sector: Residential care activities (NACE 87)
KBO
lowers risk · Liquidity: current ratio 1.41, cash €156,636
NBB · annual accounts
raises risk · Loss of €39,096 (financial year 2025)
NBB · annual accounts
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 filings
Deviation from the deadline
2025
56 days early
2024
48 days early
2023
41 days early
2022
45 days early
2021
41 days early
2020
18 days late
2018
28 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 34 days before the deadline. In the sector (NACE 87), the median for financial year 2024 was 27 days before the deadline, and 25% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 16 June (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
04-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: From profit to loss in 2025after a profit of €67,020 in 2024 -€39,096 View
  • Caution: Less equity than 85% of companies in residential caresector median €3.9m · 603 companies €149,297 View
  • Board changedlatest change 13-05-2026 · 4 in office 1 joined · 1 left View
  • Flemish supportawarded from 2022 to 2025 €752,601 View
  • Positive: Filed on time since financial year 2021accounts within the deadline every year 5 years View

Recent changes

  1. · Gazette deed 3 directors appointed, 1 director resigning, 3 reappointedAppointments: Valérie Fraylich (director) and MAZARS BEDRIJFSREVISOREN - REVISEURS D'ENTREPRISES (statutory auditor) · Reappointments: Jean-Claude Demeuse (director) and VIVALTO HOME BELGIUM (director) · Resignation: Guillaume Raoux (director)
  2. · Gazette deed Appointment: Charles-Antoine della Faille de Leverghem (director)
  3. · Gazette deed Appointment: Jean-Claude Demeuse (managing director)
All 21 events

Comparable companies

These companies have the same main activity as Klavertje 4: residential care activities (NACE 87301). They are comparable in size and age: total assets between €462,000 and €920,000, founded between 1987 and 1996.

CompanyTotal assetsGross margin
Klavertje 4 Brecht€0.5m€0.9m
COCOON SERVICES Montigny-le-Tilleul€0.5m€0.9m
RESIDENCE LES SAULES Walcourt€0.5m€0.9m
S.A LA CHARMILLE M.R. Jalhay€0.5m€1.0m
LE VAL D'AMBROISE Beloeil€0.9m€1.0m
JASMINA Beersel€0.5m€0.7m
L'Aiglon Seneffe€0.9m€1.1m
Full comparison

Key facts about Klavertje 4

What is the company number of Klavertje 4?
The company number of Klavertje 4 is 0445.322.149. The VAT number is the same number with BE in front: BE 0445.322.149.
Where is Klavertje 4 based?
The registered office is at Kruisbooglaan 19, 2960 Brecht.Company details
What does Klavertje 4 do?
According to the KBO register, the main activity is residential care activities (NACE 87301).
What is the legal form of Klavertje 4?
The legal form of Klavertje 4 is Non-profit association (VZW).
When was Klavertje 4 founded?
Klavertje 4 was founded on 12-06-1991.
Is Klavertje 4 still active?
Yes, Klavertje 4 is an active enterprise in the KBO register.
How many employees does Klavertje 4 have?
Klavertje 4 had an average of 13 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
Which joint committee does Klavertje 4 fall under?
In its 2025 annual accounts, Klavertje 4 states joint committee 330.01 (Paritair Comité voor de gezondheidsinrichtingen en -diensten).
What is the turnover of Klavertje 4?
The turnover in financial year 2025 is ≈ €2.1m. This figure is estimated from the gross margin of €874,219 and 2,281 comparable companies of the same size. It probably lies between €1.2m and €3.5m. It is a rough estimate.
Is Klavertje 4 profitable?
In financial year 2025, Klavertje 4 made a loss of €39,096.
Where can I find the annual accounts of Klavertje 4?
Klavertje 4 filed 17 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of Klavertje 4 due?
Klavertje 4 must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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