My Klus
ActiveThe computed 12-month bankruptcy probability of My Klus is 1.7% (moderate). The 2025 annual accounts show equity of €63k and a net result of €16k. Equity is growing by ~15.1% per year across the filed fiscal years. Its solvency ranks better than 29% of 7376 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▲+6
Solvency49▼-13
Growth78=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.31 against 1.53 in 2024; short-term debt: 76.1% and cash: 19.8% of total assets), and 76.1% 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
23.9%
Return on assets
6.1%
Age of the figures
9 mo
neutral · 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 · 7 filingsDeviation from the deadline
2025
31 d late
2024
60 d late
2023
364 d late
2022
85 d late
2021
31 d late
2020
61 d late
2019
91 d late
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€63k▲ 34.7%
2024 · €47k
2019: €-9k
2020: €31k
2021: €38k
2022: €42k
2023: €46k
2024: €47k
2019 → 2025
Total assets
€263k▲ 111%
2024 · €124k
2019: €255k
2020: €72k
2021: €96k
2022: €124k
2023: €111k
2024: €124k
2019 → 2025
Net result
€16k▲ 1,603%
2024 · €949
2019: €-27k
2020: €49k
2021: €7k
2022: €4k
2023: €4k
2024: €949
2019 → 2025
Working capital
€62k▲ 50.6%
2024 · €41k
2019: €-9k
2020: €9k
2021: €17k
2022: €26k
2023: €35k
2024: €41k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€38k-€42k▲ 11.4%€46k▲ 8.9%€47k▲ 2.1%€63k▲ 34.7%
Operating result€8k-€5k▼ 33.8%€2k▼ 55.5%€3k▲ 21.5%€22k▲ 637%
Net result€7k-€4k▼ 34.6%€4k▼ 12.4%€949▼ 74.7%€16k▲ 1,603%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 637% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €263k
Fixed assets
€575▼ 89.2%
Current assets
€262k▲ 120%
Equity and liabilities €263k
Equity
€63k▲ 34.7%
Debt
€200k▲ 157%
The debt ratio rises from 62.6% to 76.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€27k▲
2024 · €8k
Cash flow
€21k▲
2024 · €6k
Solvency
23.9%▼
2024 · 37.4%
Current ratio
1.31▼
2024 · 1.53
Quick ratio
0.57▼
2024 · 0.77
Debt / equity
3.19▲
2024 · 1.67
ROE
25.8%▲
2024 · 2.0%
ROA
6.1%▲
2024 · 0.8%
Interest coverage
139.33▲
2024 · 33.32
Debt
€200k▲
2024 · €78k
Debt ≤ 1 year
€200k▲
2024 · €78k
Income taxes
€5k▲
2024 · €2k
Staff costs
€265
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€124k€263k▲
Fixed assets21/28€5k€575▼
Tangible fixed assets22/27€5k€575▼
Plant, machinery and equipment23€2k€575▼
Furniture and vehicles24€4k-
Current assets29/58€119k€262k▲
Stocks and contracts in progress3€59k€149k▲
Stocks30/36€59k€149k▲
Amounts receivable within one year40/41€59k€61k▲
Trade receivables40€42k€42k=
Other amounts receivable41€17k€20k▲
Cash at bank and in hand54/58€2k€52k▲
Equity and liabilities
Total equity and liabilities10/49€124k€263k▲
Equity10/15€47k€63k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€28k€44k▲
Amounts payable17/49€78k€200k▲
Amounts payable within one year42/48€78k€200k▲
Trade debts44€12k€10k▼
Suppliers440/4€12k€10k▼
Taxes, remuneration and social security45€2k€8k▲
Taxes450/3€2k€8k▲
Other amounts payable47/48€64k€182k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€265
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▼
Other operating charges640/8€4k€518▼
Gross operating margin9900€13k€27k▲
Operating profit (loss)9901€3k€22k▲
Financial charges65/66B€252€190▼
Recurring financial charges65€252€190▼
Profit (loss) for the period before taxes9903€3k€22k▲
Income taxes67/77€2k€5k▲
Profit (loss) for the period9904€949€16k▲
Profit (loss) for the period to be appropriated9905€949€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€28k€44k▲
Profit (loss) brought forward from the previous period14P€27k€28k▲
The notes to these accounts (4 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 364 days late
2023
24-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 85 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
31-12
Financial
Back to profitnet €49k
Net result €49k after one loss-making year.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 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, Aalst · 1 establishment unit since 2019
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.
Posthoornstraat 359300 AalstGround area
830 m²
Building footprint
189 m²
Volume, LiDAR
1,202 m³
2 parcels, Flanders · tallest building 11.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
My Klus
since 20192.287.553.770
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41302C0899/00P002 | Flanders | 602 m² | 1 · 86 m² | 10.1 m · 2 fl. |
| 41302C1175/00G003 | Flanders | 229 m² | 1 · 102 m² | 11.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,803 companies in sector 41001 we hold annual accounts for 16,040. 13,190 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-04-2019
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.