DE KLUIS
ActiveDE KLUIS 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 (€-103k) and a net result of €-204k. Equity is shrinking by ~100.1% per year across the filed fiscal years. Its solvency ranks better than 5% of 5394 sector peers (fiscal year 2025). The company has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Four 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 5394 sector peers (2025).
NBB · sector comparisonPosition among 5394 sector peers
Solvency
better than 5%
← weakest
strongest →
raises risk · A punctual record breaks
This company filed 6 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 03-02-2026, 3 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
3 d late
2024
3 d early
2023
20 d early
2022
7 d early
2021
4 d early
2020
66 d early
2019
46 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close05-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€-103k
2024 · €101k
2023: €99k
2024: €101k
2023 → 2025
Net result
€-204k
2024 · €2k
2023: €-9k
2024: €2k
2023 → 2025
Total assets
€36k▼ 88.9%
2024 · €323k
2023: €322k
2024: €323k
2023 → 2025
Solvency
-289.2%▼ 320.5pp
2024 · 31.3%
2023: 30.8%
2024: 31.3%
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€99k-€101k▲ 2.0%€-103k
Operating result€-9k-€5k€92k▲ 1,910%
Net result€-9k-€2k€-204k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 1,910% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €36k
Fixed assets
€4k▼ 98.7%
Current assets
€32k▲ 502%
Key figures and ratios
Solvency
-289.2%▼
2024 · 31.3%
ROE
197.9%▲
2024 · 2.0%
ROA
-572.2%▼
2024 · 0.6%
Debt
€139k▼
2024 · €222k
Debt ≤ 1 year
€137k▼
2024 · €220k
Income taxes
€16k▲
2024 · €523
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
Total assets
20/58€323k€36k▼
Fixed assets
21/28€318k€4k▼
Tangible fixed assets
22/27-€4k
Financial fixed assets
28€318k-
Current assets
29/58€5k€32k▲
Amounts receivable within one year
40/41€4k€14k▲
Cash & bank
54/58€550€12k▲
Total equity & liabilities
10/49€323k€36k▼
Equity
10/15€101k€-103k▼
Contributions / capital
10/11€43k€43k=
Reserves
13€56k€56k=
Accumulated profits (losses)
14€2k€-203k▼
Amounts payable
17/49€222k€139k▼
Amounts payable within one year
42/48€220k€137k▼
Trade debts payable within one year
44€1k€4k▲
Income statement
Code20242025
Gross operating margin
9900€7k€94k▲
Operating result
9901€5k€92k▲
Financial income
75-€369
Financial charges
65€2k€3k▲
Result before taxes
9903€3k€-188k▼
Income taxes
67/77€523€16k▲
Net result for the period
9904€2k€-204k▼
Result to be appropriated
9905€2k€-204k▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
03-02
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 3 days late
2025
09-07
State Gazette act
Capital & shares
Bart Van Tulden
30-06
Financial
Weakest financial yearnet €-204k ▼10292%
Net result drops to €-204k, the lowest in the series.
02-05
State Gazette act
Miscellaneous
proposal
28-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
30-06
Financial
Equity above €100kEq €101k ▲2%
Equity rises from €99k to €101k.
11-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
24-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
27-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
26-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
16-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
08-02
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 8 days late
2017
07-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
06-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 6 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
Lesperel
BE 0503.830.668
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BE 0889.511.279
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CIS
BE 0801.721.331
Buggenhout · Eq €101k
SALES4M
BE 0718.629.646
Tielt · Eq €101k
Vermeulen Electronics Consultancy
BE 0713.634.443
Meerhout · Eq €101k
Of 24,686 companies in sector 64210 we hold annual accounts for 19,489. 12,172 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-03-1998
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
70200Business and other management consultancy
70220Business consulting
70322
74142
81100Combined facilities support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 24-08-2026. Scores and ratios are computed by Checked and are not a credit decision.