Het Klussertje
ActiveHet Klussertje has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €86k and a net result of €7k. Equity is growing by ~3.5% per year across the filed fiscal years. Its solvency ranks better than 45% of 27450 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability64▼-20
Solvency67▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.28 against 0.37 in 2024; short-term debt: 25.7% and cash: 6.6% of total assets), and 57.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
2 d early
2023
1 d early
2022
3 d late
2021
3 d late
2020
32 d late
2019
6 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close16-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€86k▲ 9.0%
2024 · €79k
2019: €66k
2020: €65k
2021: €65k
2022: €66k
2023: €52k
2024: €79k
2019 → 2025
Total assets
€202k▼ 6.9%
2024 · €217k
2019: €195k
2020: €203k
2021: €209k
2022: €193k
2023: €355k
2024: €217k
2019 → 2025
Net result
€7k▼ 73.3%
2024 · €27k
2019: €1k
2020: €-2k
2021: €413
2022: €1k
2023: €-14k
2024: €27k
2019 → 2025
Working capital
€-38k▲ 10.9%
2024 · €-42k
2019: €26k
2020: €4k
2021: €787
2022: €6k
2023: €-7k
2024: €-42k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€65k-€66k▲ 2.1%€52k▼ 21.5%€79k▲ 51.2%€86k▲ 9.0%
Operating result€5k-€4k▼ 16.5%€-11k€41k€15k▼ 64.3%
Net result€413-€1k▲ 236%€-14k€27k€7k▼ 73.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 64% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €202k
Fixed assets
€188k▼ 2.3%
Current assets
€14k▼ 42.2%
Equity and liabilities €202k
Equity
€86k▲ 9.0%
Debt
€116k▼ 15.9%
The debt ratio falls from 63.8% to 57.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€20k▼
2024 · €59k
Cash flow
€12k▼
2024 · €45k
Solvency
42.4%▲
2024 · 36.2%
Current ratio
0.28▼
2024 · 0.37
Quick ratio
0.28▼
2024 · 0.37
Debt / equity
1.36▼
2024 · 1.76
ROE
8.3%▼
2024 · 33.9%
ROA
3.5%▼
2024 · 12.3%
Interest coverage
4.93▼
2024 · 14.26
Debt
€116k▼
2024 · €139k
Debt ≤ 1 year
€52k▼
2024 · €67k
Debt > 1 year
€64k▼
2024 · €71k
Income taxes
€4k▼
2024 · €10k
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€217k€202k▼
Fixed assets21/28€192k€188k▼
Tangible fixed assets22/27€192k€188k▼
Land and buildings22€186k€186k=
Plant, machinery and equipment23€6k€2k▼
Current assets29/58€25k€14k▼
Amounts receivable within one year40/41€6k€300▼
Trade receivables40€5k-
Other amounts receivable41€297€300▲
Cash at bank and in hand54/58€19k€13k▼
Deferred charges and accrued income490/1-€675
Equity and liabilities
Total equity and liabilities10/49€217k€202k▼
Equity10/15€79k€86k▲
Contributions10/11€19k€19k=
Reserves13€33k€40k▲
Distributable reserves133€33k€40k▲
Profit (loss) carried forward14€27k€27k▲
Amounts payable17/49€139k€116k▼
Amounts payable after more than one year17€71k€64k▼
Financial debts170/4€71k€64k▼
Amounts payable within one year42/48€67k€52k▼
Current portion of amounts payable after more than one year42€10k€8k▼
Trade debts44€5k€975▼
Suppliers440/4€5k€975▼
Taxes, remuneration and social security45€13k€4k▼
Taxes450/3€13k€4k▼
Other amounts payable47/48€39k€39k▼
Income statement
Code20242025
Non-recurring operating income76A€39k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€5k▼
Other operating charges640/8€3k€1k▼
Gross operating margin9900€62k€21k▼
Operating profit (loss)9901€41k€15k▼
Financial income75/76B€13€5▼
Recurring financial income75€13€5▼
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€37k€11k▼
Income taxes67/77€10k€4k▼
Profit (loss) for the period9904€27k€7k▼
Profit (loss) for the period to be appropriated9905€27k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€54k€35k▼
Profit (loss) brought forward from the previous period14P€27k€27k=
Transfer to equity691/2€27k€7k▼
To other reserves6921€27k€7k▼
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
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
29-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Back to profitnet €27k
Net result €27k after one loss-making year.
2023
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Weakest financial yearnet €-14k ▼1129%
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
2022
03-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2021
03-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
31-03
Financial
Back to profitnet €413
Net result €413 after one loss-making year.
2020
02-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 32 days late
2019
25-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
17-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
27-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
14-10
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
no sitting director, no change since 2023
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
04-05-2023
Resigned as Director
Location & real-estate footprint
Registered office, Beernem · 1 establishment unit since 2011
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.
Bruggestraat 1898730 BeernemGround area
1,685 m²
Building footprint
250 m²
Volume, LiDAR
622 m³
2 parcels, Flanders · tallest building 6.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Molenstraat 34, 8020 Oostkamp
since 20112.199.247.544
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31021G0467/00K000 | Flanders | 1,184 m² | 1 · 107 m² | 5.7 m |
| 31403H0884/00B002 | Flanders | 500 m² | 1 · 144 m² | 6.7 m · 1 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.
Similar companies · same sector, comparable size
ISOLEAD
BE 1013.548.248
Merbes-le-Château · Eq €86k
BLEVI
BE 0476.669.777
Scherpenheuvel-Zichem · Eq €86k
ARTIBAT STAFF & STUC
BE 0820.168.355
Gembloux · Eq €86k
ONKELINX AFWERKING
BE 0550.534.980
Gingelom · Eq €86k
ECOFOAM
BE 0752.839.269
Brussel · Eq €86k
Of 4,265 companies in sector 43230 we hold annual accounts for 1,239. 1,042 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-05-2011
Fiscal year end31-03
Activities, NACEBEL
43230Insulation installation
43291Specialised construction activities
31004Manufacture of dining room, living room, bedroom and bathroom furniture
43240Other construction installation
43299Specialised construction activities
43320Joinery installation
43350Other building finishing work
95290Repair and maintenance of other personal and household goods
Sources
Crossroads Bank for EnterprisesNational Bank · 13 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.