'T KLAVERKE
ActiveSummary
'T KLAVERKE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (€-15k) and a net result of €8k. Equity is shrinking by ~35.8% per year across the filed fiscal years. Its solvency ranks better than 5% of 5527 sector peers (fiscal year 2025). The company has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 5527 sector peers (2025).
NBB · sector comparisonPosition among 5527 sector peers
Solvency
better than 5%
← 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 20-07-2026, 11 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
11 d early
2024
29 d late
2023
5 d early
2022
30 d late
2021
61 d early
2020
31 d late
2019
60 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, abbreviated schema
Equity
€-15k▲ 35.7%
2024 · €-24k
2018: €64k
2019: €60k
2020: €56k
2021: €55k
2022: €7k
2023: €14k
2024: €-24k
2018 → 2025
Net result
€8k
2024 · €-38k
2018: €-4k
2019: €-4k
2020: €-4k
2021: €-851
2022: €-49k
2023: €7k
2024: €-38k
2018 → 2025
Total assets
€272k▼ 5.8%
2024 · €289k
2018: €346k
2019: €338k
2020: €327k
2021: €328k
2022: €310k
2023: €294k
2024: €289k
2018 → 2025
Solvency
-5.6%▲ 2.6pp
2024 · -8.2%
2018: 18.5%
2019: 17.9%
2020: 17.1%
2021: 16.8%
2022: 2.1%
2023: 4.8%
2024: -8.2%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€55k-€7k▼ 88.0%€14k▲ 112%€-24k€-15k▲ 35.7%
Operating result€-319-€-48k▼ 15,018%€18k€-38k€8k
Net result€-851-€-49k▼ 5,607%€7k€-38k€8k
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 returns to profit in 2025: €8k after a loss of €38k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €272k
Fixed assets
€271k ▼ 3.8%
Current assets
€419 ▼ 93.5%
Key figures and ratios
ROA
3.1%▲
2024 · -13.1%
Debt
€287k▼
2024 · €312k
Debt ≤ 1 year
€5k▲
2024 · €5k
Debt > 1 year
€282k▼
2024 · €308k
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 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€289k€272k▼
Fixed assets21/28€282k€271k▼
Tangible fixed assets22/27€282k€271k▼
Land and buildings22€280k€270k▼
Plant, machinery and equipment23€2k€1k▼
Financial fixed assets28€60€60=
Current assets29/58€6k€419▼
Amounts receivable within one year40/41€660-
Trade receivables40€660-
Cash at bank and in hand54/58€5k€419▼
Deferred charges and accrued income490/1€654-
Equity and liabilities
Total equity and liabilities10/49€289k€272k▼
Equity10/15€-24k€-15k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€3k€3k=
Non-distributable reserves130/1€3k€3k=
Legal reserve130€3k€3k=
Profit (loss) carried forward14€-89k€-80k▲
Amounts payable17/49€312k€287k▼
Amounts payable after more than one year17€308k€282k▼
Financial debts170/4€308k€282k▼
Amounts payable within one year42/48€5k€5k▲
Trade debts44-€151
Suppliers440/4-€151
Taxes, remuneration and social security45€5k€5k=
Taxes450/3€3k€3k=
Remuneration and social security454/9€2k€2k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k=
Other operating charges640/8€2k€2k▲
Gross operating margin9900€-25k€22k▲
Operating profit (loss)9901€-38k€8k▲
Financial income75/76B€23€10▼
Recurring financial income75€23€10▼
Financial charges65/66B€92€67▼
Recurring financial charges65€92€67▼
Profit (loss) for the period before taxes9903€-38k€8k▲
Profit (loss) for the period9904€-38k€8k▲
Profit (loss) for the period to be appropriated9905€-38k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-89k€-80k▲
Profit (loss) brought forward from the previous period14P€-51k€-89k▼
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
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Liquidity times 8current ratio 1.36
Current ratio from 0.16 to 1.36; short-term debt falls from €8k to €5k.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €7k
Net result €7k after 5 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Weakest financial yearnet €-49k
Net result drops to €-49k, the lowest in the series; recovery starts the following year.
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 60 days late
2019
17-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
17-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Knokke-Heist · 1 establishment unit since 1990
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.
Meerpaalplein 58301 Knokke-HeistGround area
527 m²
Building footprint
71 m²
Volume, LiDAR
596 m³
Parcel 31336B0484/00N003, Flanders · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Meerpaalplein 5, 8301 Knokke-Heist
since 19902.047.843.907
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31336B0484/00N003 | Flanders | 527 m² | 1 · 71 m² | 11.7 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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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 6,169 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 formPublic limited company
Founded07-03-1990
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.