KLOC
ActiveSummary
KLOC has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €510,937 and a net result of €21,679. Equity is growing by ~27.9% per year across the filed fiscal years. Its solvency ranks better than 62% of 32023 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability72▼-2
Solvency92▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40,000 at 30 days acceptable
Liquidity ample (current ratio 6.63 against 7.17 in 2024; short-term debt: 4.3% and cash: 15.6% of total assets), and 32.5% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← 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
67.5%
Return on assets
2.9%
Age of the figures
9 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-12-2025 was due by 30-07-2026 and was filed on 10-06-2026, 50 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
50 d early
2024
19 d early
2023
57 d early
2022
53 d early
2021
46 d early
2020
56 d early
2019
56 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 48 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-12-2026 and is due by 30-07-2027. Nothing is late today. Usually files around 10 June (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today30-12-2026 close30-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€510,937▲ 4.4%
2024 · €489,257
Total assets
€757,297▼ 0.7%
2024 · €762,761
Net result
€21,679▼ 34.3%
2024 · €33,010
Working capital
€184,931▲ 0.4%
2024 · €184,222
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€56,054▲ 6.7%€26,584▼ 52.6%€47,247▲ 77.7%€44,674▼ 5.4%€29,976▼ 32.9%
Net result€44,174within the sector's middle half▼ 2.5%€7,557within the sector's middle half▼ 82.9%€37,851within the sector's middle half▲ 401%€33,010within the sector's middle half▼ 12.8%€21,679within the sector's middle half▼ 34.3%
Equity€202,736within the sector's middle half▲ 27.9%€210,292within the sector's middle half▲ 3.7%€248,143above the sector's middle half▲ 18.0%€489,257above the sector's middle half▲ 97.2%€510,937above the sector's middle half▲ 4.4%
Total assets€565,307above the sector's middle half▲ 3.6%€543,898above the sector's middle half▼ 3.8%€556,081above the sector's middle half▲ 2.2%€762,761above the sector's middle half▲ 37.2%€757,297above the sector's middle half▼ 0.7%
Debt€362,571▼ 6.3%€333,606▼ 8.0%€307,938▼ 7.7%€273,503▼ 11.2%€246,360▼ 9.9%
Working capital€164,062above the sector's middle half▲ 27.2%€77,862within the sector's middle half▼ 52.5%€127,063within the sector's middle half▲ 63.2%€184,222above the sector's middle half▲ 45.0%€184,931above the sector's middle half▲ 0.4%
Solvency35.9%within the sector's middle half▲ 6.8pp38.7%within the sector's middle half▲ 2.8pp44.6%within the sector's middle half▲ 6.0pp64.1%within the sector's middle half▲ 19.5pp67.5%within the sector's middle half▲ 3.3pp
Current ratio6.14above the sector's middle half▲ 0.603.48within the sector's middle half▼ 2.664.66above the sector's middle half▲ 1.187.17above the sector's middle half▲ 2.516.63above the sector's middle half▼ 0.54
Return on assets (ROA)7.8%within the sector's middle half▼ 0.5pp1.4%below the sector's middle half▼ 6.4pp6.8%within the sector's middle half▲ 5.4pp4.3%within the sector's middle half▼ 2.5pp2.9%within the sector's middle half▼ 1.5pp
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 33% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €757,297
Fixed assets
€539,506 ▼ 1.7%
Current assets
€217,791 ▲ 1.7%
Equity and liabilities €757,297
Equity
€510,937 ▲ 4.4%
Debt
€246,360 ▼ 9.9%
Debt's share of the balance-sheet total falls from 35.9% to 32.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€78,704▼
2024 · €93,679
Cash flow
€70,406▼
2024 · €82,015
Debt to equity
0.48▼
2024 · 0.56
ROE
4.2%▼
2024 · 6.7%
Interest coverage
10.75▼
2024 · 16.42
Debt ≤ 1 year
€32,860▲
2024 · €29,861
Debt > 1 year
€213,500▼
2024 · €243,642
Income taxes
€4,807▼
2024 · €12,685
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,640 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 95% are still going.
- Small
- 5 to 10 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
0.5%
went bankrupt
3.6%
stopped otherwise
95%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 1,640 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €21,666 | €28,957 | €40,344 | €49,005 | €48,727 | ▼ 0.6% |
| Other operating charges640/8 | €1,753 | €2,070 | €2,144 | €5,076 | €3,429 | ▼ 32.4% |
| Gross operating margin9900 | €79,473 | €57,612 | €89,736 | €98,755 | €82,133 | ▼ 16.8% |
| Operating profit (loss)9901 | €56,054 | €26,584 | €47,247 | €44,674 | €29,976 | ▼ 32.9% |
| Financial income75/76B | €1,132 | €2,113 | €2,863 | €6,726 | €3,832 | ▼ 43.0% |
| Recurring financial income75 | €1,132 | €2,113 | €2,863 | €6,726 | €3,832 | ▼ 43.0% |
| Financial charges65/66B | €7,988 | €16,623 | - | €5,705 | €7,322 | ▲ 28.3% |
| Recurring financial charges65 | €7,988 | €16,623 | - | €5,705 | €7,322 | ▲ 28.3% |
| Profit (loss) for the period before taxes9903 | €49,198 | €12,075 | €50,111 | €45,695 | €26,486 | ▼ 42.0% |
| Income taxes67/77 | €5,023 | €4,518 | €12,260 | €12,685 | €4,807 | ▼ 62.1% |
| Profit (loss) for the period9904 | €44,174 | €7,557 | €37,851 | €33,010 | €21,679 | ▼ 34.3% |
| Profit (loss) for the period to be appropriated9905 | €44,174 | €7,557 | €37,851 | €33,010 | €21,679 | ▼ 34.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €565,307 | €543,898 | €556,081 | €762,761 | €757,297 | ▼ 0.7% |
| Fixed assets21/28 | €369,338 | €434,636 | €394,292 | €548,677 | €539,506 | ▼ 1.7% |
| Tangible fixed assets22/27 | €369,338 | €434,636 | €394,292 | €548,677 | €509,506 | ▼ 7.1% |
| Land and buildings22 | €356,806 | €337,358 | €317,911 | €493,139 | €474,162 | ▼ 3.8% |
| Plant, machinery and equipment23 | €6,650 | €13,015 | €11,053 | €9,091 | €7,129 | ▼ 21.6% |
| Furniture and vehicles24 | €5,883 | €84,263 | €65,328 | €46,447 | €28,215 | ▼ 39.3% |
| Financial fixed assets28 | - | - | - | - | €30,000 | - |
| Current assets29/58 | €195,968 | €109,262 | €161,790 | €214,083 | €217,791 | ▲ 1.7% |
| Amounts receivable within one year40/41 | €45,782 | €35,960 | €370 | €22,628 | €6,904 | ▼ 69.5% |
| Trade receivables40 | - | - | - | - | €22 | - |
| Other amounts receivable41 | €45,782 | €35,960 | €370 | €22,628 | €6,882 | ▼ 69.6% |
| Current investments50/53 | €35,468 | €67,772 | €118,226 | €86,699 | €91,625 | ▲ 5.7% |
| Cash at bank and in hand54/58 | €114,719 | €4,357 | €41,935 | €103,366 | €117,781 | ▲ 13.9% |
| Deferred charges and accrued income490/1 | - | €1,174 | €1,259 | €1,390 | €1,480 | ▲ 6.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €565,307 | €543,898 | €556,081 | €762,761 | €757,297 | ▼ 0.7% |
| Equity10/15 | €202,736 | €210,292 | €248,143 | €489,257 | €510,937 | ▲ 4.4% |
| Contributions10/11 | €92,118 | €92,118 | €92,118 | €195,000 | €195,000 | = |
| Revaluation surpluses12 | €6,377 | €6,377 | €6,377 | €6,377 | €6,377 | = |
| Reserves13 | €103,459 | €110,959 | €147,959 | €285,043 | €308,043 | ▲ 8.1% |
| Non-distributable reserves130/1 | €3,091 | €3,091 | €3,091 | €6,543 | €6,543 | = |
| Reserves not available under the articles1311 | €3,091 | €3,091 | €3,091 | €6,543 | €6,543 | = |
| Distributable reserves133 | €100,368 | €107,868 | €144,868 | €278,500 | €301,500 | ▲ 8.3% |
| Profit (loss) carried forward14 | €781 | €838 | €1,688 | €2,837 | €1,516 | ▼ 46.6% |
| Amounts payable17/49 | €362,571 | €333,606 | €307,938 | €273,503 | €246,360 | ▼ 9.9% |
| Amounts payable after more than one year17 | €330,665 | €302,206 | €273,212 | €243,642 | €213,500 | ▼ 12.4% |
| Financial debts170/4 | €330,665 | €302,206 | €273,212 | €243,642 | €213,500 | ▼ 12.4% |
| Amounts payable within one year42/48 | €31,906 | €31,400 | €34,726 | €29,861 | €32,860 | ▲ 10.0% |
| Current portion of amounts payable after more than one year42 | €27,920 | €28,459 | €28,994 | €29,570 | €30,142 | ▲ 1.9% |
| Trade debts44 | - | €72 | €65 | €177 | €816 | ▲ 361% |
| Suppliers440/4 | - | €72 | €65 | €177 | €816 | ▲ 361% |
| Taxes, remuneration and social security45 | €2,954 | €124 | €3,168 | €114 | €515 | ▲ 350% |
| Taxes450/3 | €2,954 | €124 | €3,168 | €114 | €515 | ▲ 350% |
| Other amounts payable47/48 | €1,033 | €2,745 | €2,500 | - | €1,388 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €44,174 | €7,557 | €37,851 | €33,010 | €21,679 | ▼ 34.3% |
| + Depreciation and write-downs630 | €21,666 | €28,957 | €40,344 | €49,005 | €48,727 | ▼ 0.6% |
| Operating cash flow (approximation) | €65,841 | €36,514 | €78,195 | €82,015 | €70,406 | ▼ 14.2% |
| Investment in fixed assets (approximation) | - | -€94,255 | €0 | -€203,390 | -€39,556 | ▲ 80.6% |
| Change in cash | - | -€110,362 | €37,578 | €61,432 | €14,415 | ▼ 76.5% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-12
Financial
Equity above €500,000Eq €510,937 ▲4.4%
6 profitable years in a row build equity to €510,937.
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
14-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-12
Financial
Equity above €200,000Eq €202,736 ▲27.9%
2 profitable years in a row build equity to €202,736.
04-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-12
Financial
Back to profitnet €45,289
Net result €45,289 after one loss-making year.
30-12
Financial
Equity above €150,000Eq €158,561 ▲48.3%
Equity rises from €106,895 to €158,561.
04-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
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.
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Directors · office · real estate
Directors
No directors read yet: 0 of 3 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Dentergem · 1 establishment unit since 2018
Ground area
926 m²
Building footprint
236 m²
Volume, LiDAR
1,319 m³
Parcel 37006B0092/00L000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
KLOC
since 20182.276.288.013
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37006B0092/00L000 | Flanders | 926 m² | 1 · 236 m² | 8.6 m · 2 fl. |
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.
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Of 82,601 companies in this sector we hold annual accounts for 52,629. 34,518 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company (pre-2019)
Founded24-04-2018
Fiscal year end30-12
Activities, NACEBEL 2025
70200Business and other management consultancy
68203Renting and operating of own or leased non-residential real estate, excluding land
E-invoicing
Reachable via Peppol
Peppol ID
0208:0695933527
Also
9925:BE0695933527
Registered
25-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.