Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 9 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
'T KLAVERTJE VIER from Kalmthout, company number BE0465111040, closed financial year 2025 with a result of € 350 after tax. For that financial year 'T KLAVERTJE VIER recorded a gross margin of € 1.1 million and equity of € 3.1 million. Compared with financial year 2024, the result moved from € 36,359 to € 350. The company is profitable. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on October 30, 2025.
€ 3.1 million
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 350
▼ 99% vs 2024
Profit after tax over the fiscal year.
€ 59,701
▼ 38% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 3.1 million.
People and assets in 2025
25.4
▲ 3.6 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 877,624
▲ 12% vs 2024
€ 34,600 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 234,088
▼ 12% vs 2024
Of which on lease € 177,572.
Debts at end 2025
€ 1.3 million
▲ 33% vs 2024
€ 70,949 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 462,061
▼ 42% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 179,570
▲ 15% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 812,574 | € 912,634 | € 1,031,635 | € 1,075,098 | ▲ 4% |
| Profit after taxes | € 56,462 | € 16,752 | € 36,359 | € 350 | ▼ 99% |
| Equity | € 3,017,233 | € 3,033,985 | € 3,070,344 | € 3,070,694 | |
| Total debts | € 2,520,877 | € 2,598,984 | € 2,546,518 | € 2,459,307 | ▼ 3% |
| Cash | € 104,754 | € 46,403 | € 96,416 | € 59,701 | ▼ 38% |
| Land & buildings | € 165,197 | € 141,704 | € 118,212 | € 113,017 | ▼ 4% |
| Retained profit | € 2,997,233 | € 3,013,985 | € 3,050,344 | € 3,050,694 | |
| Bank debt | € 1,010,804 | € 1,099,010 | € 944,280 | € 1,255,477 | ▲ 33% |
| Balance sheet total | € 5,538,110 | € 5,632,969 | € 5,616,862 | € 5,530,001 | ▼ 2% |
| Employees (FTE) | 19.3 | 22.4 | 21.8 | 25.4 | ▲ 3.6 |
Key figures of 'T KLAVERTJE VIER, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 October 2026.
What happened to 'T KLAVERTJE VIER?
What happened at 'T KLAVERTJE VIER in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 350 (▼ 99% vs 2024). Source: NBB ↗
- New establishment in Kapellen. KBO
- Ward Van den Bergh became a director. NBB
- Wallie CommV became a director. NBB
- New establishment in Hoogstraten. KBO
- New establishment in Kalmthout. KBO
- New establishment in Wuustwezel. KBO
- Start of the company according to the CBE. KBO
In short
From € 56,462 profit in 2022 to € 350 profit in 2025.
Paid € 37,721 in corporate taxes since 2022.
Best year ever: 2022, with € 56,462 profit.
On average € 42,300 of value added per employee in 2025.
A new publication or filing at 'T KLAVERTJE VIER? We notify you, reason included.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind 'T KLAVERTJE VIER are Wallie CommV and Ward Van den Bergh. The same people are also behind IMMO KLAVERTJE VIER.
Directors
According to the 2025 annual accounts
since 2016
since 2017
Establishments
Establishment units
Physical locations of this company
Achterbroeksteenweg (Dp) 184
2920 Kalmthout
Dorpsstraat 49
2990 Wuustwezel
Active since 29 January 1999
Van Aertselaerstraat 22 2
2320 Hoogstraten
Active since 31 July 2000
Antwerpsesteenweg 39 box B32
2950 Kapellen
Active since 3 July 2021
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0465.111.040
- VAT number
- BE 0465.111.040
- Registered office
- Achterbroeksteenweg (Dp) 184, 2920 Kalmthout
- Names & denominations
- 'T KLAVERTJE VIER
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 6 January 1999
- Peppol
- Active · Active since 11 Dec 2025
- Activities · NACE
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