Klaverveld
ActiveKlaverveld has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €706k and a net result of €540k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 56% of 7690 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
96
/ 100
Excellent▲ +5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency98▲+34
Growth78=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity ample (current ratio 3.15 against 5.27 in 2024), and 41.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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
58.6%
Return on assets
44.9%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
202122232425
2020 to 2025 · latest year €706k
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 29-07-2026, 2 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
2 d early
2024
29 d late
2023
69 d late
2022
82 d late
2021
76 d late
2020
122 d late
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€706k▲ 95.7%
2024 · €361k
2020: €12k
2021: €19k
2022: €19k
2023: €54k
2024: €361k
2020 → 2025
Total assets
€1.20M▼ 10.1%
2024 · €1.34M
2020: €1.23M
2021: €1.22M
2022: €1.30M
2023: €1.21M
2024: €1.34M
2020 → 2025
Net result
€540k▲ 76.3%
2024 · €306k
2020: €84k
2021: €34k
2022: €71k
2023: €36k
2024: €306k
2020 → 2025
Working capital
€196k▼ 42.6%
2024 · €342k
2020: €-13k
2021: €22k
2022: €137k
2023: €216k
2024: €342k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€19k-€19k=€54k▲ 191%€361k▲ 566%€706k▲ 95.7%
Operating result€83k-€210k▲ 153%€59k▼ 72.0%€275k▲ 368%€155k▼ 43.8%
Net result€34k-€71k▲ 111%€36k▼ 50.2%€306k▲ 761%€540k▲ 76.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 44% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.20M
Fixed assets
€916k▼ 0.1%
Current assets
€287k▼ 31.9%
Equity and liabilities €1.20M
Equity
€706k▲ 95.7%
Debt
€498k▼ 49.1%
The debt ratio falls from 73.1% to 41.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€156k▼
2024 · €278k
Cash flow
€542k▲
2024 · €309k
Solvency
58.6%▲
2024 · 26.9%
Current ratio
3.15▼
2024 · 5.27
Quick ratio
3.15▼
2024 · 5.27
Debt / equity
0.71▼
2024 · 2.71
ROE
76.6%▼
2024 · 85.0%
ROA
44.9%▲
2024 · 22.9%
Interest coverage
1.82▼
2024 · 3.10
Debt
€498k▼
2024 · €978k
Debt ≤ 1 year
€91k▲
2024 · €80k
Debt > 1 year
€406k▼
2024 · €898k
Income taxes
€25k▼
2024 · €62k
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€1.34M€1.20M▼
Fixed assets21/28€917k€916k▼
Tangible fixed assets22/27€5k€4k▼
Land and buildings22€5k€4k▼
Financial fixed assets28€912k€912k=
Current assets29/58€422k€287k▼
Amounts receivable after more than one year29€157k-
Other amounts receivable291€157k-
Amounts receivable within one year40/41€200k€207k▲
Trade receivables40€200k€173k▼
Other amounts receivable41-€35k
Cash at bank and in hand54/58€60k€74k▲
Deferred charges and accrued income490/1€5k€5k▲
Equity and liabilities
Total equity and liabilities10/49€1.34M€1.20M▼
Equity10/15€361k€706k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€342k€687k▲
Amounts payable17/49€978k€498k▼
Amounts payable after more than one year17€898k€406k▼
Financial debts170/4€898k€406k▼
Amounts payable within one year42/48€80k€91k▲
Trade debts44€38k€44k▲
Suppliers440/4€38k€44k▲
Taxes, remuneration and social security45€29k€47k▲
Taxes450/3€29k€47k▲
Other amounts payable47/48€14k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€1k▼
Other operating charges640/8€4k€4k▼
Gross operating margin9900€282k€160k▼
Operating profit (loss)9901€275k€155k▼
Financial income75/76B€183k€496k▲
Recurring financial income75€183k€496k▲
Financial charges65/66B€89k€86k▼
Recurring financial charges65€89k€86k▼
Profit (loss) for the period before taxes9903€369k€565k▲
Income taxes67/77€62k€25k▼
Profit (loss) for the period9904€306k€540k▲
Profit (loss) for the period to be appropriated9905€306k€540k▲
Appropriation of the result
Profit (loss) to be appropriated9906€342k€882k▲
Profit (loss) brought forward from the previous period14P€36k€342k▲
Profit to be distributed694/7-€195k
Return on contributions (dividend)694-€195k
The notes to these accounts (8 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €540k ▲76.3%
Net result €540k, the highest in the series.
31-12
Financial
Equity above €500kEq €706k ▲95.7%
6 profitable years in a row build equity to €706k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Equity above €200kEq €361k ▲566%
5 profitable years in a row build equity to €361k.
08-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 69 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 3.95
Current ratio from 1.67 to 3.95; short-term debt falls from €205k to €73k.
21-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 82 days late
2022
15-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 76 days late
2021
31-12
Financial
Weakest financial yearnet €34k ▼59.8%
Net result drops to €34k, the lowest in the series; recovery starts the following year.
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 122 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Brecht · 1 establishment unit since 2019
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.
Canadalaan 72960 BrechtGround area
906 m²
Building footprint
189 m²
Volume, LiDAR
902 m³
Parcel 11042A0110/00L003, Flanders · tallest building 6.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
KLAVERVELD
since 20192.286.322.563
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11042A0110/00L003 | Flanders | 906 m² | 1 · 189 m² | 6.8 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
Legal Entity Identifier
254900M3LKQWVGDPCG49
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Of 24,422 companies in sector 82990 we hold annual accounts for 9,361. 5,234 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-01-2019
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
62900Other information technology and computer services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.