Kloos Jean-Marc
ActiveThe computed 12-month bankruptcy probability of Kloos Jean-Marc is 2.7% (moderate). The 2025 annual accounts show equity of €20k and a net result of €6k. Equity is growing by ~27.6% per year across the filed fiscal years. Its solvency ranks better than 18% of 7692 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▲+32
Solvency42▼-1
Growth52=
Track record94
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.92 against 1.13 in 2024; short-term debt: 49.1% and cash: 61.6% of total assets), but 82.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
raises risk · 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
Sector 43
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
17.3%
Return on assets
5.6%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 7692 sector peers (2025).
NBB · sector comparisonPosition among 7692 sector peers
Solvency
better than 18%
← weakest
strongest →
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 09-07-2026, 22 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
22 d early
2024
73 d early
2023
26 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€20k▲ 48.1%
2024 · €13k
2023: €13k
2024: €13k
2023 → 2025
Total assets
€116k▲ 52.5%
2024 · €76k
2023: €65k
2024: €76k
2023 → 2025
Net result
€6k▲ 589%
2024 · €941
2023: €8k
2024: €941
2023 → 2025
Working capital
€52k▲ 627%
2024 · €7k
2023: €6k
2024: €7k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€13k-€13k▲ 7.5%€20k▲ 48.1%
Operating result€9k-€10k▲ 11.8%€11k▲ 4.5%
Net result€8k-€941▼ 87.5%€6k▲ 589%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 4% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €116k
Fixed assets
€7k▼ 51.1%
Current assets
€109k▲ 76.1%
Equity and liabilities €116k
Equity
€20k▲ 48.1%
Debt
€96k▲ 53.4%
The debt ratio rises from 82.2% to 82.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€18k▲
2024 · €17k
Cash flow
€14k▲
2024 · €8k
Solvency
17.3%▼
2024 · 17.8%
Current ratio
1.92▲
2024 · 1.13
Quick ratio
1.83▲
2024 · 0.59
Debt / equity
4.80▲
2024 · 4.63
ROE
32.5%▲
2024 · 7.0%
ROA
5.6%▲
2024 · 1.2%
Interest coverage
5.48▲
2024 · 2.28
Debt
€96k▲
2024 · €62k
Debt ≤ 1 year
€57k▲
2024 · €55k
Debt > 1 year
€39k▲
2024 · €8k
Income taxes
€812▼
2024 · €2k
Staff costs
€66k▼
2024 · €66k
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€76k€116k▲
Fixed assets21/28€14k€7k▼
Tangible fixed assets22/27€14k€7k▼
Plant, machinery and equipment23€10k€4k▼
Furniture and vehicles24€4k€3k▼
Current assets29/58€62k€109k▲
Stocks and contracts in progress3€30k€5k▼
Stocks30/36€30k€5k▼
Amounts receivable within one year40/41€25k€31k▲
Trade receivables40€22k€31k▲
Other amounts receivable41€4k€423▼
Cash at bank and in hand54/58€4k€71k▲
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€76k€116k▲
Equity10/15€13k€20k▲
Contributions10/11€5k€5k=
Capital10€5k€5k=
Issued capital100€5k€5k=
Reserves13€8k€15k▲
Distributable reserves133€8k€15k▲
Amounts payable17/49€62k€96k▲
Amounts payable after more than one year17€8k€39k▲
Financial debts170/4€8k€39k▲
Amounts payable within one year42/48€55k€57k▲
Current portion of amounts payable after more than one year42€2k€11k▲
Trade debts44€21k€17k▼
Suppliers440/4€21k€17k▼
Taxes, remuneration and social security45€2k€276▼
Taxes450/3-€276
Remuneration and social security454/9€2k-
Other amounts payable47/48€29k€28k▼
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€141k€131k▼
Remuneration, social security and pensions62€66k€66k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€8k▲
Other operating charges640/8€788€733▼
Gross operating margin9900€84k€85k▲
Operating profit (loss)9901€10k€11k▲
Financial income75/76B€9€2▼
Recurring financial income75€9€2▼
Financial charges65/66B€7k€3k▼
Recurring financial charges65€7k€3k▼
Profit (loss) for the period before taxes9903€3k€7k▲
Income taxes67/77€2k€812▼
Profit (loss) for the period9904€941€6k▲
Profit (loss) for the period to be appropriated9905€941€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€941€6k▲
Transfer to equity691/2€941€6k▲
To other reserves6921€941€6k▲
The notes to these accounts (5 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
19-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €941 ▼87.5%
Net result drops to €941, the lowest in the series; recovery starts the following year.
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Dalhem · 1 establishment unit since 2023
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.
Larbois(NEU) 34608 DalhemGround area
1,455 m²
Building footprint
321 m²
Volume, LiDAR
2,240 m³
Parcel 63055A0597/00N000, Wallonia · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kloos Jean-Marc
since 20232.340.430.450
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63055A0597/00N000 ProtectedSite or landscape |
Wallonia | 1,455 m² | 1 · 321 m² | 9.7 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 4,268 companies in sector 43230 we hold annual accounts for 1,239. 871 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-01-2023
Fiscal year end31-12
Activities, NACEBEL
43230Insulation installation
43291Specialised construction activities
43341Painting of buildings
43310Plastering work
43422Screed work
43992Specialised construction activities
77320Rental and leasing activities
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.