CLAECO 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 €3.61M and a net result of €972k. Equity is growing by ~37.7% per year across the filed fiscal years. Its solvency ranks better than 87% of 5498 sector peers (fiscal year 2025). The company has been active since 2012 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
Three signals. The signal on the left, the evidence on the right.
○neutral
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
120 d early
2023
131 d early
2022
94 d early
2021
122 d early
2020
36 d early
2019
153 d early
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€3.61M▲ 36.8%
2024 · €2.64M
2018: €312k
2019: €447k
2020: €542k
2021: €702k
2022: €973k
2023: €1.22M
2024: €2.64M
2018 → 2025
Net result
€972k▼ 31.5%
2024 · €1.42M
2018: €135k
2019: €134k
2020: €95k
2021: €160k
2022: €272k
2023: €248k
2024: €1.42M
2018 → 2025
Total assets
€3.93M▲ 38.8%
2024 · €2.83M
2018: €728k
2019: €792k
2020: €810k
2021: €934k
2022: €1.06M
2023: €1.30M
2024: €2.83M
2018 → 2025
Solvency
92.0%▼ 1.3pp
2024 · 93.3%
2018: 42.9%
2019: 56.4%
2020: 66.9%
2021: 75.1%
2022: 92.0%
2023: 94.1%
2024: 93.3%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€702k-€973k▲ 38.6%€1.22M▲ 25.5%€2.64M▲ 116%€3.61M▲ 36.8%
Operating result€242k-€398k▲ 64.7%€362k▼ 9.2%€973k▲ 169%€500k▼ 48.6%
Net result€160k-€272k▲ 69.8%€248k▼ 8.7%€1.42M▲ 471%€972k▼ 31.5%
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 49% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.93M
Fixed assets
€736k▼ 43.7%
Current assets
€3.19M▲ 109%
Equity and liabilities €3.93M
Equity
€3.61M▲ 36.8%
Provisions
€39k▼ 1.9%
Debt
€276k▲ 83.3%
The debt ratio rises from 5.3% to 7.0%. Equity and debt are higher.
Key figures and ratios
Solvency
92.0%▼
2024 · 93.3%
ROE
26.9%▼
2024 · 53.7%
ROA
24.8%▼
2024 · 50.1%
Debt
€276k▲
2024 · €151k
Debt ≤ 1 year
€276k▲
2024 · €151k
Income taxes
€235k▼
2024 · €336k
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€2.83M€3.93M▲
Fixed assets21/28€1.31M€736k▼
Tangible fixed assets22/27€1.00M€433k▼
Land and buildings22€950k€392k▼
Plant, machinery and equipment23€1k€1k▼
Furniture and vehicles24€53k€41k▼
Financial fixed assets28€302k€302k=
Current assets29/58€1.52M€3.19M▲
Amounts receivable within one year40/41€821k€1.78M▲
Trade receivables40€237k€461k▲
Other amounts receivable41€583k€1.32M▲
Current investments50/53€400k€1.00M▲
Cash at bank and in hand54/58€300k€407k▲
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€2.83M€3.93M▲
Equity10/15€2.64M€3.61M▲
Contributions10/11€19k€19k=
Reserves13€2.62M€3.59M▲
Tax-exempt reserves132€120k€117k▼
Distributable reserves133€2.50M€3.48M▲
Provisions and deferred taxes16€40k€39k▼
Deferred taxes168€40k€39k▼
Amounts payable17/49€151k€276k▲
Amounts payable within one year42/48€151k€276k▲
Trade debts44€5k€6k▲
Suppliers440/4€5k€6k▲
Taxes, remuneration and social security45€145k€270k▲
Taxes450/3€145k€270k▲
Income statement
Code20242025
Non-recurring operating income76A€161k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€141k€34k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€1.12M€536k▼
Operating profit (loss)9901€973k€500k▼
Financial income75/76B€824k€706k▼
Recurring financial income75€824k€706k▼
Financial charges65/66B€2k€336▼
Recurring financial charges65€2k€336▼
Profit (loss) for the period before taxes9903€1.79M€1.21M▼
Transfer from deferred taxes780€434€762▲
Transfer to deferred taxes680€40k-
Income taxes67/77€336k€235k▼
Profit (loss) for the period9904€1.42M€972k▼
Transfer from tax-exempt reserves789€1k€2k▲
Transfer to tax-exempt reserves689€121k-
Profit (loss) for the period to be appropriated9905€1.30M€974k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.30M€974k▼
Transfer to equity691/2€1.30M€974k▼
To other reserves6921€1.30M€974k▼
The notes to these accounts (8 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
02-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €1.42M ▲471%
Operating result €973k, net result €1.42M, both a record.
31-12
Financial
Equity above €2MEq €2.64M ▲116%
7 profitable years in a row build equity to €2.64M.
22-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €1MEq €1.22M ▲25.5%
6 profitable years in a row build equity to €1.22M.
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Liquidity times 11current ratio 25.72
Current ratio from 2.44 to 25.72; short-term debt falls from €155k to €20k.
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €95k ▼29.6%
Net result drops to €95k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €500kEq €542k ▲21.2%
3 profitable years in a row build equity to €542k.
29-02
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
02-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-06
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
2 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, Nieuwpoort · 1 establishment unit since 2012
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.
Haringhoek 508620 NieuwpoortGround area
602 m²
Building footprint
130 m²
Volume, LiDAR
674 m³
Parcel 38402E0213/00L002, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Claeco
since 20122.208.923.689
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38402E0213/00L002 | Flanders | 602 m² | 1 · 130 m² | 8.7 m · 2 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 24,726 companies in sector 64210 we hold annual accounts for 19,748. 9,133 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-04-2012
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
70200Business and other management consultancy
70220Business consulting
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
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.