Klavertje Zes
ActiveThe computed 12-month bankruptcy probability of Klavertje Zes is 4.2% (elevated). The 2025 annual accounts show equity of €10k and a net result of €3k. Its solvency ranks better than 80% of 13270 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. An elevated bankruptcy probability caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability94▲+2
Solvency91▲+6
Growth78
Track record94
Bankruptcy probability, 12 months
4.2%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity tight (current ratio 1.44 against 1.3 in 2024; short-term debt: 33.8% and cash: 48.7% of total assets), and 33.8% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
66.2%
Return on assets
20.3%
Age of the figures
9 mo
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 26-07-2026, 5 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
5 d early
2024
8 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€10k▲ 44.3%
2024 · €7k
2024: €7k
2024 → 2025
Total assets
€16k▲ 31.8%
2024 · €12k
2024: €12k
2024 → 2025
Net result
€3k▲ 43.1%
2024 · €2k
2024: €2k
2024 → 2025
Working capital
€2k▲ 63.2%
2024 · €1k
2024: €1k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€7k-€10k▲ 44.3%
Operating result€3k-€4k▲ 32.1%
Net result€2k-€3k▲ 43.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 32% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €16k
Fixed assets
€8k▲ 39.7%
Current assets
€8k▲ 24.5%
Equity and liabilities €16k
Equity
€10k▲ 44.3%
Debt
€5k▲ 12.7%
The debt ratio falls from 39.5% to 33.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€6k▲
2024 · €4k
Cash flow
€5k▲
2024 · €3k
Solvency
66.2%▲
2024 · 60.5%
Current ratio
1.44▲
2024 · 1.30
Quick ratio
1.44▲
2024 · 1.30
Debt / equity
0.51▼
2024 · 0.65
ROE
30.7%▼
2024 · 31.0%
ROA
20.3%▲
2024 · 18.7%
Interest coverage
44.93▲
2024 · 34.67
Debt
€5k▲
2024 · €5k
Debt ≤ 1 year
€5k▲
2024 · €5k
Income taxes
€803▲
2024 · €777
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€12k€16k▲
Fixed assets21/28€6k€8k▲
Tangible fixed assets22/27€6k€8k▲
Plant, machinery and equipment23€6k€8k▲
Current assets29/58€6k€8k▲
Cash at bank and in hand54/58€6k€8k▲
Equity and liabilities
Total equity and liabilities10/49€12k€16k▲
Equity10/15€7k€10k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€2k€5k▲
Amounts payable17/49€5k€5k▲
Amounts payable within one year42/48€5k€5k▲
Trade debts44€210-
Suppliers440/4€210-
Taxes, remuneration and social security45€777€2k▲
Taxes450/3€777€2k▲
Other amounts payable47/48€4k€4k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€859€2k▲
Other operating charges640/8€305-
Gross operating margin9900€4k€6k▲
Operating profit (loss)9901€3k€4k▲
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€115€130▲
Recurring financial charges65€115€130▲
Profit (loss) for the period before taxes9903€3k€4k▲
Income taxes67/77€777€803▲
Profit (loss) for the period9904€2k€3k▲
Profit (loss) for the period to be appropriated9905€2k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€5k▲
Profit (loss) brought forward from the previous period14P-€2k
The notes to these accounts (5 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
26-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Tervuren · 1 establishment unit since 2023
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.
Mechelsestraat 113080 TervurenGround area
1,274 m²
Building footprint
97 m²
Volume, LiDAR
609 m³
Parcel 24114D0148/00L000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Klavertje Zes
since 20232.347.783.248
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24114D0148/00L000 | Flanders | 1,274 m² | 1 · 97 m² | 8.6 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteTervuren2.347.783.248
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Of 7,504 companies in sector 56210 we hold annual accounts for 2,444. 1,527 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-07-2023
Fiscal year end31-12
Activities, NACEBEL
56210Event catering
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.