KLAVIER
ActiveThe computed 12-month bankruptcy probability of KLAVIER is 3.2% (moderate). The 2024 annual accounts show equity of €341k and a net result of €-22k. Equity is shrinking by ~7.6% per year across the filed fiscal years. The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
45
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability41▼-13
Solvency39▼-1
Growth58=
Track record94
Bankruptcy probability, 12 months
3.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity short (current ratio 0.05 against 0.32 in 2023; short-term debt: 4.8% and cash: 0.2% of total assets), and 85.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
14.4%
Return on assets
-0.9%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-08-2025, 30 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
30 d late
2023
30 d late
2022
31 d late
2021
8 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€341k▼ 6.1%
2023 · €363k
2021: €453k
2022: €358k
2023: €363k
2021 → 2024
Total assets
€2.38M▼ 4.7%
2023 · €2.49M
2021: €1.43M
2022: €2.08M
2023: €2.49M
2021 → 2024
Net result
€-22k
2023 · €5k
2021: €-47k
2022: €-95k
2023: €5k
2021 → 2024
Working capital
€-109k▼ 18.2%
2023 · €-92k
2021: €5k
2022: €-97k
2023: €-92k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€453k-€358k▼ 20.9%€363k▲ 1.4%€341k▼ 6.1%
Operating result€-36k-€-74k▼ 108%€38k€18k▼ 52.8%
Net result€-47k-€-95k▼ 101%€5k€-22k
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 2024; 2024 is 53% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €2.38M
Fixed assets
€2.37M▼ 3.2%
Current assets
€6k▼ 87.0%
Equity and liabilities €2.38M
Equity
€341k▼ 6.1%
Debt
€2.03M▼ 4.5%
The debt ratio rises from 85.4% to 85.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€115k▼
2023 · €139k
Cash flow
€75k▼
2023 · €105k
Solvency
14.4%▼
2023 · 14.6%
Current ratio
0.05▼
2023 · 0.32
Quick ratio
0.05▼
2023 · 0.32
Debt / equity
5.97▲
2023 · 5.87
ROE
-6.5%▼
2023 · 1.3%
ROA
-0.9%▼
2023 · 0.2%
Interest coverage
2.87▼
2023 · 4.17
Debt
€2.03M▼
2023 · €2.13M
Debt ≤ 1 year
€114k▼
2023 · €135k
Debt > 1 year
€1.91M▼
2023 · €1.99M
Income taxes
€0▲
2023 · €0
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€2.49M€2.38M▼
Fixed assets21/28€2.45M€2.37M▼
Tangible fixed assets22/27€2.45M€2.37M▼
Land and buildings22€2.43M€2.36M▼
Plant, machinery and equipment23€15k€13k▼
Current assets29/58€43k€6k▼
Amounts receivable within one year40/41€28k€0▼
Trade receivables40€28k€0▼
Current investments50/53€26€30▲
Cash at bank and in hand54/58€15k€6k▼
Equity and liabilities
Total equity and liabilities10/49€2.49M€2.38M▼
Equity10/15€363k€341k▼
Contributions10/11€500k€500k=
Profit (loss) carried forward14€-137k€-159k▼
Amounts payable17/49€2.13M€2.03M▼
Amounts payable after more than one year17€1.99M€1.91M▼
Financial debts170/4€1.99M€1.91M▼
Amounts payable within one year42/48€135k€114k▼
Current portion of amounts payable after more than one year42€105k€112k▲
Trade debts44€17k€799▼
Suppliers440/4€17k€799▼
Taxes, remuneration and social security45€0-
Taxes450/3€0-
Other amounts payable47/48€14k€2k▼
Accrued charges and deferred income492/3€5k€7k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€101k€97k▼
Other operating charges640/8€9k€10k▲
Gross operating margin9900€148k€124k▼
Operating profit (loss)9901€38k€18k▼
Financial income75/76B€148€0▼
Recurring financial income75€148€0▼
Financial charges65/66B€33k€40k▲
Recurring financial charges65€33k€40k▲
Profit (loss) for the period before taxes9903€5k€-22k▼
Income taxes67/77€0€0▲
Profit (loss) for the period9904€5k€-22k▼
Profit (loss) for the period to be appropriated9905€5k€-22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-137k€-159k▼
Profit (loss) brought forward from the previous period14P€-142k€-137k▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Back to profitnet €5k
Net result €5k after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €-95k
Net result drops to €-95k, the lowest in the series; recovery starts the following year.
08-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 8 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Leuven · 1 establishment unit since 2021
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.
Tiensesteenweg 3133010 LeuvenGround area
776 m²
Building footprint
143 m²
Volume, LiDAR
1,050 m³
Parcel 24514A0065/00W003, Flanders · tallest building 12.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
KLAVIER
since 20212.321.838.421
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24514A0065/00W003 | Flanders | 776 m² | 1 · 143 m² | 12.1 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-05-2021
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.