KLUSWERKEN GIOVANNI
ActiveThe computed 12-month bankruptcy probability of KLUSWERKEN GIOVANNI is 2.0% (moderate). The 2025 annual accounts show equity of €72k and a net result of €37k. Equity is growing by ~76.1% per year across the filed fiscal years. Its solvency ranks better than 58% of 7415 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
76
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+5
Solvency76▲+6
Growth78=
Track record94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.02 against 1.93 in 2024; short-term debt: 43.2% and cash: 66.8% of total assets), and 49.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 41
Relative position
BE, all sectors
reference
Sector 41
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
50.9%
Return on assets
26%
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 13-07-2026, 18 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
18 d early
2024
16 d early
2023
33 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€72k▲ 105%
2024 · €35k
2023: €19k
2024: €35k
2023 → 2025
Total assets
€142k▲ 80.0%
2024 · €79k
2023: €59k
2024: €79k
2023 → 2025
Net result
€37k▲ 123%
2024 · €17k
2023: €16k
2024: €17k
2023 → 2025
Working capital
€63k▲ 138%
2024 · €26k
2023: €11k
2024: €26k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€19k-€35k▲ 89.2%€72k▲ 105%
Operating result€21k-€22k▲ 6.2%€50k▲ 128%
Net result€16k-€17k▲ 6.3%€37k▲ 123%
Turnover and EBIT margin not published: the 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 128% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €142k
Fixed assets
€18k▼ 25.8%
Current assets
€124k▲ 127%
Equity and liabilities €142k
Equity
€72k▲ 105%
Debt
€70k▲ 59.8%
The debt ratio falls from 55.3% to 49.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€58k▲
2024 · €30k
Cash flow
€46k▲
2024 · €25k
Solvency
50.9%▲
2024 · 44.7%
Current ratio
2.02▲
2024 · 1.93
Quick ratio
2.02▲
2024 · 1.93
Debt / equity
0.97▼
2024 · 1.24
ROE
51.2%▲
2024 · 47.1%
ROA
26.0%▲
2024 · 21.1%
Interest coverage
66.85▲
2024 · 25.83
Debt
€70k▲
2024 · €44k
Debt ≤ 1 year
€61k▲
2024 · €28k
Debt > 1 year
€8k▼
2024 · €15k
Income taxes
€12k▲
2024 · €4k
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€79k€142k▲
Fixed assets21/28€24k€18k▼
Tangible fixed assets22/27€24k€18k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€20k€15k▼
Current assets29/58€55k€124k▲
Amounts receivable within one year40/41€11k€28k▲
Trade receivables40€9k€25k▲
Other amounts receivable41€2k€3k▲
Cash at bank and in hand54/58€42k€95k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€79k€142k▲
Equity10/15€35k€72k▲
Contributions10/11€3k€3k=
Reserves13-€20k
Distributable reserves133-€20k
Profit (loss) carried forward14€32k€49k▲
Amounts payable17/49€44k€70k▲
Amounts payable after more than one year17€15k€8k▼
Financial debts170/4€15k€8k▼
Amounts payable within one year42/48€28k€61k▲
Current portion of amounts payable after more than one year42€7k€7k▲
Trade debts44€6k€33k▲
Suppliers440/4€6k€33k▲
Taxes, remuneration and social security45€7k€16k▲
Taxes450/3€7k€16k▲
Other amounts payable47/48€9k€6k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€9k▲
Other operating charges640/8€53-
Gross operating margin9900€30k€58k▲
Operating profit (loss)9901€22k€50k▲
Financial income75/76B-€72
Recurring financial income75-€72
Financial charges65/66B€1k€871▼
Recurring financial charges65€1k€871▼
Profit (loss) for the period before taxes9903€21k€49k▲
Income taxes67/77€4k€12k▲
Profit (loss) for the period9904€17k€37k▲
Profit (loss) for the period to be appropriated9905€17k€37k▲
Appropriation of the result
Profit (loss) to be appropriated9906€32k€69k▲
Profit (loss) brought forward from the previous period14P€16k€32k▲
Transfer to equity691/2-€20k
To the legal reserve6920-€20k
The notes to these accounts (6 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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €37k ▲123%
Operating result €50k, net result €37k, both a record.
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
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, Merchtem · 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.
Galgestraat 201785 MerchtemGround area
406 m²
Building footprint
99 m²
Volume, LiDAR
762 m³
Parcel 23052D0149/00H000, Flanders · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
KLUSWERKEN GIOVANNI
since 20232.340.194.185
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23052D0149/00H000 | Flanders | 405 m² | 1 · 99 m² | 10.1 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.
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PLAMONT & CO
BE 0786.737.306
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K&A Construction
BE 0548.798.482
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BRIC & BOIS
BE 0642.771.092
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 13,236 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-01-2023
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.