KLEVER IMMO
ActiveSummary
KLEVER IMMO has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €451k and a net result of €20k. Equity is growing by ~14.4% per year across the filed fiscal years. Its solvency ranks better than 58% of 4486 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▲+1
Solvency73▲+5
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity short (current ratio 0.09 against 0.09 in 2024; short-term debt: 22.4% and cash: 1.8% of total assets), and 51.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 81
Relative position
BE, all sectors
reference
Sector 81
higher
← 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
48.2%
Return on assets
2.2%
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 01-07-2026, 30 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
30 d early
2024
1 d early
2023
61 d early
2022
56 d late
2021
31 d late
2020
99 d early
2019
31 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€20k▲ 96.9%
2024 · €10k
2018: €37k
2019: €3k
2020: €87k
2021: €61k
2022: €115k
2023: €91k
2024: €10k
2018 → 2025
Working capital
€-190k▼ 9.3%
2024 · €-174k
2018: €-80k
2019: €-123k
2020: €-127k
2021: €-153k
2022: €-179k
2023: €-161k
2024: €-174k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€270k-€372k▲ 37.9%€420k▲ 13.0%€431k▲ 2.5%€451k▲ 4.8%
Operating result€93k-€135k▲ 46.4%€126k▼ 6.7%€18k▼ 85.5%€32k▲ 72.4%
Net result€61k-€115k▲ 87.5%€91k▼ 21.1%€10k▼ 88.5%€20k▲ 96.9%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 72% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €936k
Fixed assets
€916k ▼ 7.6%
Current assets
€20k ▲ 15.2%
Equity and liabilities €936k
Equity
€451k ▲ 4.8%
Debt
€484k ▼ 16.1%
Debt's share of the balance-sheet total falls from 57.2% to 51.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€106k▲
2024 · €93k
Cash flow
€95k▲
2024 · €85k
Current ratio
0.09▲
2024 · 0.09
Debt to equity
1.07▼
2024 · 1.34
ROE
4.5%▲
2024 · 2.4%
ROA
2.2%▲
2024 · 1.0%
Interest coverage
29.34▲
2024 · 20.98
Debt ≤ 1 year
€210k▲
2024 · €191k
Debt > 1 year
€275k▼
2024 · €375k
Income taxes
€7k▲
2024 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.01M€936k▼
Fixed assets21/28€991k€916k▼
Tangible fixed assets22/27€991k€916k▼
Land and buildings22€991k€916k▼
Current assets29/58€17k€20k▲
Amounts receivable within one year40/41€3k€3k▼
Trade receivables40€252€0▼
Other amounts receivable41€3k€3k▼
Cash at bank and in hand54/58€14k€17k▲
Equity and liabilities
Total equity and liabilities10/49€1.01M€936k▼
Equity10/15€431k€451k▲
Contributions10/11€62k€62k=
Reserves13€274k€274k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€274k€274k=
Profit (loss) carried forward14€95k€116k▲
Amounts payable17/49€577k€484k▼
Amounts payable after more than one year17€375k€275k▼
Financial debts170/4€375k€275k▼
Amounts payable within one year42/48€191k€210k▲
Current portion of amounts payable after more than one year42€100k€100k▲
Trade debts44€0-
Suppliers440/4€0-
Taxes, remuneration and social security45€0€7k▲
Taxes450/3€0€7k▲
Other amounts payable47/48€91k€102k▲
Accrued charges and deferred income492/3€11k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€75k€75k=
Other operating charges640/8€25k€25k▲
Gross operating margin9900€118k€132k▲
Operating profit (loss)9901€18k€32k▲
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€14k€28k▲
Income taxes67/77€3k€7k▲
Profit (loss) for the period9904€10k€20k▲
Profit (loss) for the period to be appropriated9905€10k€20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€95k€116k▲
Profit (loss) brought forward from the previous period14P€85k€95k▲
Transfer from equity791/2€0-
Transfer to equity691/2€0-
To the legal reserve6920€0-
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (9 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 56 days late
2022
31-12
Financial
Highest result since 2018net €115k ▲87.5%
Operating result €135k, net result €115k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
23-04
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Equity above €200kEq €241k ▲21.9%
3 profitable years in a row build equity to €241k.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Weakest financial yearnet €3k ▼90.6%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Herve · 1 establishment unit since 2017
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.
Avenue du Parc 404650 HerveGround area
2,871 m²
Building footprint
286 m²
Volume, LiDAR
1,802 m³
Parcel 63014A0420/00L000, Wallonia · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
KLEVER IMMO
since 20172.378.853.635
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63014A0420/00L000 | Wallonia | 2,871 m² | 1 · 286 m² | 8.2 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.
Similar companies · same sector, comparable size
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Wijnegem · Eq €445,902
CASOMATIC
BE 0652.677.168
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Vicinity Partners
BE 0724.935.240
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Aartselaar · Eq €459,438
Of 1,280 companies in sector 81100 we hold annual accounts for 677. 468 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-01-2017
Fiscal year end31-12
Activities, NACEBEL 2025
81100Combined facilities support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:immo@klever.be