Summary
KLOECK is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.29M and a net result of €2k. Equity is growing by ~25.2% per year across the filed fiscal years. Its solvency ranks better than 60% of 5527 sector peers (fiscal year 2025). The company has been active since 2003 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 advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-08-2026, 5 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 · 10 filingsDeviation from the deadline
2025
5 d late
2024
27 d early
2023
20 d early
2022
3 d late
2021
32 d early
2020
33 d early
2019
21 d early
← 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
€1.29M▲ 0.1%
2024 · €1.29M
2018: €109k
2019: €222k
2020: €410k
2021: €639k
2022: €815k
2023: €1.00M
2024: €1.29M
2018 → 2025
Net result
€2k▼ 99.5%
2024 · €302k
2018: €61k
2019: €153k
2020: €202k
2021: €242k
2022: €188k
2023: €202k
2024: €302k
2018 → 2025
Total assets
€2.07M▼ 2.8%
2024 · €2.13M
2018: €810k
2019: €943k
2020: €1.15M
2021: €1.44M
2022: €1.75M
2023: €1.94M
2024: €2.13M
2018 → 2025
Solvency
62.4%▲ 1.8pp
2024 · 60.6%
2018: 13.4%
2019: 23.6%
2020: 35.7%
2021: 44.4%
2022: 46.5%
2023: 51.5%
2024: 60.6%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€639k-€815k▲ 27.5%€1.00M▲ 22.8%€1.29M▲ 28.6%€1.29M▲ 0.1%
Operating result€313k-€237k▼ 24.3%€254k▲ 7.1%€376k▲ 47.9%€56k▼ 85.2%
Net result€242k-€188k▼ 22.4%€202k▲ 7.7%€302k▲ 49.6%€2k▼ 99.5%
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 falls in 2025; 2025 is 85% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.07M
Fixed assets
€766k ▲ 1.8%
Current assets
€1.30M ▼ 5.3%
Equity and liabilities €2.07M
Equity
€1.29M ▲ 0.1%
Debt
€778k ▼ 7.3%
Debt's share of the balance-sheet total falls from 39.4% to 37.6%. Equity is higher and debt is lower.
Key figures and ratios
ROE
0.1%▼
2024 · 23.5%
ROA
0.1%▼
2024 · 14.2%
Debt ≤ 1 year
€189k▼
2024 · €194k
Debt > 1 year
€561k▼
2024 · €615k
Income taxes
€44k▼
2024 · €113k
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 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.13M€2.07M▼
Fixed assets21/28€752k€766k▲
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€700k€690k▼
Land and buildings22€678k€631k▼
Plant, machinery and equipment23€0€0=
Furniture and vehicles24€22k€60k▲
Financial fixed assets28€52k€76k▲
Current assets29/58€1.37M€1.30M▼
Amounts receivable after more than one year29€15k€35k▲
Other amounts receivable291€15k€35k▲
Amounts receivable within one year40/41€25k€44k▲
Trade receivables40€25k€36k▲
Other amounts receivable41-€8k
Current investments50/53€970k€895k▼
Cash at bank and in hand54/58€355k€325k▼
Deferred charges and accrued income490/1€9k€3k▼
Equity and liabilities
Total equity and liabilities10/49€2.13M€2.07M▼
Equity10/15€1.29M€1.29M▲
Contributions10/11€75k€75k=
Capital10€75k€75k=
Issued capital100€75k€75k=
Reserves13€1.21M€1.21M▲
Non-distributable reserves130/1€8k€8k=
Legal reserve130€8k€8k=
Distributable reserves133€1.21M€1.21M▲
Amounts payable17/49€839k€778k▼
Amounts payable after more than one year17€615k€561k▼
Financial debts170/4€615k€561k▼
Amounts payable within one year42/48€194k€189k▼
Current portion of amounts payable after more than one year42€53k€53k▲
Trade debts44€1k€6k▲
Suppliers440/4€1k€6k▲
Taxes, remuneration and social security45€23k€20k▼
Taxes450/3€23k€20k▼
Other amounts payable47/48€117k€109k▼
Accrued charges and deferred income492/3€30k€27k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€55k€66k▲
Other operating charges640/8€3k€130k▲
Gross operating margin9900€434k€252k▼
Operating profit (loss)9901€376k€56k▼
Financial income75/76B€78k€37k▼
Recurring financial income75€78k€37k▼
Financial charges65/66B€38k€47k▲
Recurring financial charges65€38k€32k▼
Non-recurring financial charges66B-€15k
Profit (loss) for the period before taxes9903€416k€45k▼
Income taxes67/77€113k€44k▼
Profit (loss) for the period9904€302k€2k▼
Profit (loss) for the period to be appropriated9905€302k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€302k€2k▼
Transfer to equity691/2€286k€2k▼
To other reserves6921€286k€2k▼
Profit to be distributed694/7€16k-
Directors or managers695€16k-
The notes to these accounts (13 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
05-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 5 days late
2025
31-12
Financial
Weakest financial yearnet €2k ▼99.5%
Net result drops to €2k, the lowest in the series.
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €302k ▲49.6%
Operating result €376k, net result €302k, both a record.
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €1MEq €1.00M ▲22.8%
6 profitable years in a row build equity to €1.00M.
03-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €500kEq €639k ▲56.1%
4 profitable years in a row build equity to €639k.
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
10-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €200kEq €222k ▲104%
2 profitable years in a row build equity to €222k.
Show earlier events
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
12-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Schilde · 1 establishment unit since 2003
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.
Konijnenbosweg 22970 SchildeGround area
5,908 m²
Building footprint
49 m²
Volume, LiDAR
645 m³
Parcel 11922B0259/00L000, Flanders · tallest building 22.7 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Kloeck
since 20032.134.326.632
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11922B0259/00L000 | Flanders | 5,908 m² | 1 · 49 m² | 22.6 m · 5 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.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 2,001 EUR awarded · 2,001 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,086 EUR | 1,086 EUR |
| 2024 | 1 | 915 EUR | 915 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
967600EON52J5ERV5N82
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WD
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 12,100 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
Founded22-09-2003
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
68203Renting and operating of own or leased non-residential real estate, excluding land
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.