KLEIN & CO

Active

Private limited companyfounded 20215 yrs activeQuai des Anglais(POM) 18, 7322 Bernissart, BelgiumKBO/BCE: BE 0764.338.917

Summary

The computed 12-month bankruptcy probability of KLEIN & CO is 2.7% (moderate). The 2025 annual accounts show equity of €95,112 and a net result of -€5,768. Equity is growing by ~55% per year across the filed fiscal years. Its solvency ranks better than 23% of 28051 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysis Watch Report Compare

KLEIN & COActiveChecked score 45/100

Risk analysis Report Compare

Checked score

Score 2025

45 / 100

Fair

Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability67▼-33

Solvency46▼-48

Growth52▼-26

Track record94

Bankruptcy probability, 12 months

2.7% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €4,000 at 30 days acceptable

Liquidity short (current ratio 0.58 against 2.35 in 2024; short-term debt: 78.6% and cash: 7% of total assets), and 78.6% of the assets are financed with debt.

Credit check for your own amount and term

Open the credit simulator : see how the verdict changes with amount, term and advance.

Signals

Six signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 43

Relative position

BE, all sectors

reference

Specialised construction activities (NACE 43)

about 85% more bankruptcies

← fewer bankruptcies more bankruptcies →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

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 2025

Solvency, return and age of the figures

Solvency

21.4%

Return on assets

-1.3%

Age of the figures

9 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 28051 sector peers (2025).

NBB · sector comparison

Position among 28051 sector peers

Solvency

better than 23%

← weakest strongest →

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 5 filings

Deviation from the deadline

2025

31 d late

2024

22 d early

2023

27 d late

2022

24 d late

2021

24 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 5 accounts on average 17 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.

Checked, nothing found (2)

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 months

Position in the running window

26-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

History

On 25 February 2021, KLEIN & CO was incorporated as a Private limited company.¹ Total assets went from EUR 55,646 in 2021 to EUR 444,590 in 2025 and headcount from 1.4 to 1.2 full-time equivalents.²

Go further with this company

How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed

Is this your company? See how customers and banks see it.

Investigating this company? Keep it with today's facts in a case file.

Financials · fiscal year 2025, micro schema

In the rankings #7 company by total assets in Bernissart, Construction sector

Equity

€95,112▼ 5.7%

2024 · €100,880

Total assets

€444,590▲ 205%

2024 · €145,784

Net result

-€5,768

2024 · €53,511

Working capital

-€147,449

2024 · €60,534

Trend over the years

Chart Table

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before

favourable unfavourable

Line20212022202320242025

Operating result€19,184-€13,423▼ 30.0%€24,618▲ 83.4%€68,119▲ 177%-€7,447

Net result€14,832-€9,944▼ 33.0%€18,393▲ 85.0%€53,511▲ 191%-€5,768

Equity€19,032-€28,976▲ 52.2%€47,369▲ 63.5%€100,880▲ 113%€95,112▼ 5.7%

Total assets€55,646-€111,539▲ 100%€143,757▲ 28.9%€145,784▲ 1.4%€444,590▲ 205%

Debt€36,614-€82,562▲ 125%€96,388▲ 16.7%€44,904▼ 53.4%€349,478▲ 678%

Working capital€16,996-€275▼ 98.4%€22,704▲ 8,146%€60,534▲ 167%-€147,449

Staff (FTE)1.4-1▼ 28.6%1=1.2▲ 20.0%1.2=

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result turns negative in 2025: a loss of €7,447 after €68,119 in 2024, the lowest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €444,590

54.6%

45.4%

Fixed assets €242,561 ▲ 501%

Current assets €202,028 ▲ 91.6%

Equity and liabilities €444,590

21.4%

78.6%

Equity €95,112 ▼ 5.7%

Debt €349,478 ▲ 678%

Debt's share of the balance-sheet total rises from 30.8% to 78.6%. Equity is lower and debt is higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€57,678▼

2024 · €81,700

Cash flow

€59,356▼

2024 · €67,092

Current ratio

0.58▼

2024 · 2.35

Debt to equity

3.67▲

2024 · 0.45

ROE

-6.1%▼

2024 · 53.0%

ROA

-1.3%▼

2024 · 36.7%

Interest coverage

81.13▼

2024 · 302.73

Debt ≤ 1 year

€349,478▲

2024 · €44,904

Income taxes

€203▼

2024 · €14,339

Staff costs

€42,105▲

2024 · €37,014

Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Annual accounts

OverviewIncome statement Balance sheet Cash flow

Filed annual accounts As filed with the NBB · 2025 against 2024 · 39 lines

Balance sheet Code20242025

Assets

Total assets20/58€145,784€444,590▲

Fixed assets21/28€40,346€242,561▲

Tangible fixed assets22/27€40,171€242,386▲

Plant, machinery and equipment23€27,180€134,644▲

Furniture and vehicles24€12,991€107,743▲

Financial fixed assets28€175€175=

Current assets29/58€105,438€202,028▲

Amounts receivable within one year40/41€90,242€165,661▲

Trade receivables40€30,572€55,022▲

Other amounts receivable41€59,670€110,639▲

Cash at bank and in hand54/58€12,896€31,091▲

Deferred charges and accrued income490/1€2,299€5,277▲

Equity and liabilities

Total equity and liabilities10/49€145,784€444,590▲

Equity10/15€100,880€95,112▼

Contributions10/11€5,000€5,000=

Profit (loss) carried forward14€95,880€90,112▼

Amounts payable17/49€44,904€349,478▲

Amounts payable within one year42/48€44,904€349,478▲

Current portion of amounts payable after more than one year42€25,000€9,000▼

Trade debts44€10,238€337,101▲

Suppliers440/4€10,238€337,101▲

Taxes, remuneration and social security45€9,666€3,377▼

Remuneration and social security454/9€9,666€3,377▼

Income statement Code20242025

Remuneration, social security and pensions62€37,014€42,105▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13,581€65,124▲

Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4--€7,288

Other operating charges640/8€901€8,282▲

Gross operating margin9900€119,614€100,776▼

Operating profit (loss)9901€68,119-€7,447▼

Financial income75/76B€1€2,592▲

Recurring financial income75€1€2,592▲

Financial charges65/66B€270€711▲

Recurring financial charges65€270€711▲

Profit (loss) for the period before taxes9903€67,850-€5,566▼

Income taxes67/77€14,339€203▼

Profit (loss) for the period9904€53,511-€5,768▼

Profit (loss) for the period to be appropriated9905€53,511-€5,768▼

Appropriation of the result

Profit (loss) to be appropriated9906€95,880€90,112▼

Profit (loss) brought forward from the previous period14P€42,369€95,880▲

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line	2021	2022	2023	2024	2025	Change
Remuneration, social security and pensions62	€20,521	€61,126	€67,909	€37,014	€42,105	▲ 13.8%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630	€58	€5,188	€10,047	€13,581	€65,124	▲ 380%
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4	€7,288	-	-	-	-€7,288	-
Other operating charges640/8	€2,973	€1,099	€849	€901	€8,282	▲ 819%
Gross operating margin9900	€50,025	€80,837	€103,423	€119,614	€100,776	▼ 15.7%
Operating profit (loss)9901	€19,184	€13,423	€24,618	€68,119	-€7,447	▼ 111%
Financial income75/76B	€8	€1	€14	€1	€2,592	▲ 179,883%
Recurring financial income75	€8	€1	€14	€1	€2,592	▲ 179,883%
Financial charges65/66B	€339	€687	€434	€270	€711	▲ 163%
Recurring financial charges65	€339	€687	€434	€270	€711	▲ 163%
Profit (loss) for the period before taxes9903	€18,852	€12,737	€24,197	€67,850	-€5,566	▼ 108%
Income taxes67/77	€4,020	€2,793	€5,805	€14,339	€203	▼ 98.6%
Profit (loss) for the period9904	€14,832	€9,944	€18,393	€53,511	-€5,768	▼ 111%
Profit (loss) for the period to be appropriated9905	€14,832	€9,944	€18,393	€53,511	-€5,768	▼ 111%

Line	2021	2022	2023	2024	2025	Change
Assets
Total assets20/58	€55,646	€111,539	€143,757	€145,784	€444,590	▲ 205%
Fixed assets21/28	€2,036	€28,904	€24,666	€40,346	€242,561	▲ 501%
Tangible fixed assets22/27	€1,861	€28,729	€24,491	€40,171	€242,386	▲ 503%
Plant, machinery and equipment23	€1,249	€3,237	€6,783	€27,180	€134,644	▲ 395%
Furniture and vehicles24	€611	€25,493	€17,707	€12,991	€107,743	▲ 729%
Financial fixed assets28	€175	€175	€175	€175	€175	=
Current assets29/58	€53,610	€82,634	€119,092	€105,438	€202,028	▲ 91.6%
Amounts receivable within one year40/41	€44,850	€41,307	€116,748	€90,242	€165,661	▲ 83.6%
Trade receivables40	€20,921	€8,574	€97,754	€30,572	€55,022	▲ 80.0%
Other amounts receivable41	€23,929	€32,733	€18,994	€59,670	€110,639	▲ 85.4%
Cash at bank and in hand54/58	€5,434	€38,345	€2,150	€12,896	€31,091	▲ 141%
Deferred charges and accrued income490/1	€3,326	€2,982	€194	€2,299	€5,277	▲ 129%
Equity and liabilities
Total equity and liabilities10/49	€55,646	€111,539	€143,757	€145,784	€444,590	▲ 205%
Equity10/15	€19,032	€28,976	€47,369	€100,880	€95,112	▼ 5.7%
Contributions10/11	€5,000	€5,000	€5,000	€5,000	€5,000	=
Profit (loss) carried forward14	€14,032	€23,976	€42,369	€95,880	€90,112	▼ 6.0%
Amounts payable17/49	€36,614	€82,562	€96,388	€44,904	€349,478	▲ 678%
Amounts payable within one year42/48	€36,614	€82,359	€96,388	€44,904	€349,478	▲ 678%
Current portion of amounts payable after more than one year42	-	-	-	€25,000	€9,000	▼ 64.0%
Trade debts44	€20,255	€37,992	€33,943	€10,238	€337,101	▲ 3,193%
Suppliers440/4	€20,255	€37,992	€33,943	€10,238	€337,101	▲ 3,193%
Taxes, remuneration and social security45	€14,994	€14,771	€18,024	€9,666	€3,377	▼ 65.1%
Taxes450/3	€11,450	€1,750	€6,626	-	-	-
Remuneration and social security454/9	€3,544	€13,021	€11,398	€9,666	€3,377	▼ 65.1%
Other amounts payable47/48	€1,365	€29,596	€44,421	-	-	-
Accrued charges and deferred income492/3	-	€204	-	-	-	-

Line	2021	2022	2023	2024	2025	Change
Profit (loss) for the period9904	€14,832	€9,944	€18,393	€53,511	-€5,768	▼ 111%
+ Depreciation and write-downs630	€58	€5,188	€10,047	€13,581	€65,124	▲ 380%
Operating cash flow (approximation)	€14,890	€15,132	€28,440	€67,092	€59,356	▼ 11.5%
Investment in fixed assets (approximation)	-	-€32,057	-€5,809	-€29,261	-€267,340	▼ 814%
Change in cash	-	€32,911	-€36,195	€10,746	€18,194	▲ 69.3%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

All 8Financial 3Filings 5

Next filing, fiscal year 2026, expected by 31-07-2027

2026

31-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 31 days late

2025

31-12

Financial Weakest financial yearnet -€5,768

Net result drops to -€5,768, the lowest in the series.

09-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Highest result since 2021net €53,511 ▲191%

Operating result €68,119, net result €53,511, both a record.

31-12

Financial Equity above €100,000Eq €100,880 ▲113%

4 profitable years in a row build equity to €100,880.

27-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 27 days late

2023

24-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 24 days late

2022

24-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 24 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

0 of 3 acts read

About the unread acts

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Directors · office · real estate

Directors

3 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, Bernissart · 1 establishment unit since 2021

seat establishment approximate The establishment unit on the map

Ground area

3,298 m²

Parcel 51049B0593/00F000, Wallonia. Linked by address, not a title deed.

1 establishment unit

KLEIN AND CO

Quai des Anglais(POM) 18, 7322 BernissartSite preparation

since 20212.314.206.204

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
51049B0593/00F000	Wallonia	3,298 m²	-	-

Linked by address, not proof of ownership

Good to know

1 of 1 parcel with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

H.C. Invest SPRL

BE 0523.927.484

Welkenraedt · Eq €95,077

INTER ROSS

BE 0673.931.551

Sint-Pieters-Woluwe · Eq €95,250

Of 8,464 companies in sector 43120 we hold annual accounts for 3,231. 2,644 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification

Legal formPrivate limited company

Founded25-02-2021

Fiscal year end31-12

Activities, NACEBEL 2025

43120Site preparation

01430Raising of horses and other equines

Scores and ratios are computed by Checked and are not a credit decision.