CLAERHOUT G.
ActiveCLAERHOUT G. has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €419k and a net result of €65k. Equity is growing by ~2.7% per year across the filed fiscal years. Its solvency ranks better than 80% of 16527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
96
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 5.91 against 15.59 in 2024; short-term debt: 11.7% and cash: 61% of total assets), and 12% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
88%
Return on assets
13.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
29 d late
2023
30 d late
2022
60 d late
2021
30 d late
2020
30 d late
2019
24 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€419k▼ 5.5%
2024 · €443k
2018: €322k
2019: €386k
2020: €424k
2021: €433k
2022: €471k
2023: €379k
2024: €443k
2018 → 2025
Total assets
€476k▲ 2.9%
2024 · €462k
2018: €447k
2019: €517k
2020: €563k
2021: €604k
2022: €615k
2023: €548k
2024: €462k
2018 → 2025
Net result
€65k▲ 1.4%
2024 · €64k
2018: €25k
2019: €65k
2020: €40k
2021: €63k
2022: €38k
2023: €74k
2024: €64k
2018 → 2025
Working capital
€273k▲ 1.3%
2024 · €270k
2018: €-23k
2019: €110k
2020: €209k
2021: €231k
2022: €243k
2023: €166k
2024: €270k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€433k-€471k▲ 8.8%€379k▼ 19.6%€443k▲ 17.0%€419k▼ 5.5%
Operating result€107k-€63k▼ 41.4%€112k▲ 77.7%€102k▼ 9.0%€95k▼ 7.0%
Net result€63k-€38k▼ 40.0%€74k▲ 96.0%€64k▼ 13.3%€65k▲ 1.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €476k
Fixed assets
€147k▼ 15.7%
Current assets
€329k▲ 14.1%
Equity and liabilities €476k
Equity
€419k▼ 5.5%
Debt
€57k▲ 200%
The debt ratio rises from 4.1% to 12.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€136k▼
2024 · €144k
Cash flow
€106k▼
2024 · €107k
Solvency
88.0%▼
2024 · 95.9%
Current ratio
5.91▼
2024 · 15.59
Quick ratio
5.91▼
2024 · 15.59
Debt / equity
0.14▲
2024 · 0.04
ROE
15.6%▲
2024 · 14.5%
ROA
13.8%▼
2024 · 13.9%
Interest coverage
37.60▲
2024 · 15.90
Debt
€57k▲
2024 · €19k
Debt ≤ 1 year
€56k▲
2024 · €18k
Income taxes
€26k▼
2024 · €28k
Staff costs
€42k▲
2024 · €38k
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€462k€476k▲
Fixed assets21/28€174k€147k▼
Tangible fixed assets22/27€174k€147k▼
Land and buildings22€108k€89k▼
Plant, machinery and equipment23€34k€36k▲
Furniture and vehicles24€32k€22k▼
Current assets29/58€288k€329k▲
Amounts receivable within one year40/41€18k€19k▲
Trade receivables40€6k€8k▲
Other amounts receivable41€12k€11k▼
Cash at bank and in hand54/58€251k€290k▲
Deferred charges and accrued income490/1€20k€20k▲
Equity and liabilities
Total equity and liabilities10/49€462k€476k▲
Equity10/15€443k€419k▼
Contributions10/11€19k€19k=
Reserves13€425k€400k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€554€554=
Distributable reserves133€422k€398k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€19k€57k▲
Amounts payable within one year42/48€18k€56k▲
Trade debts44€2k€7k▲
Suppliers440/4€2k€7k▲
Taxes, remuneration and social security45€17k€12k▼
Taxes450/3€9k€7k▼
Remuneration and social security454/9€8k€4k▼
Other amounts payable47/48€0€37k▲
Accrued charges and deferred income492/3€443€1k▲
Income statement
Code20242025
Remuneration, social security and pensions62€38k€42k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€42k€41k▼
Other operating charges640/8€6k€6k▲
Gross operating margin9900€187k€184k▼
Operating profit (loss)9901€102k€95k▼
Financial income75/76B€152€7▼
Recurring financial income75€152€7▼
Financial charges65/66B€9k€4k▼
Recurring financial charges65€9k€4k▼
Profit (loss) for the period before taxes9903€93k€91k▼
Income taxes67/77€28k€26k▼
Profit (loss) for the period9904€64k€65k▲
Profit (loss) for the period to be appropriated9905€64k€65k▲
Appropriation of the result
Profit (loss) to be appropriated9906€64k€65k▲
Transfer from equity791/2€0€90k▲
Transfer to equity691/2€64k€65k▲
To other reserves6921€64k€65k▲
Profit to be distributed694/7€0€90k▲
Return on contributions (dividend)694€0€90k▲
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Liquidity times 8current ratio 15.59
Current ratio from 1.99 to 15.59; short-term debt falls from €168k to €18k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Highest result since 2018net €74k ▲96%
Operating result €112k, net result €74k, both a record.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 24 days late
2019
31-12
Financial
Liquidity doublescurrent ratio 1.84
Current ratio from 0.82 to 1.84.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 58 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Kortrijk · 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.
Dam(Kor) 458500 KortrijkGround area
2,069 m²
Building footprint
1,058 m²
Volume, LiDAR
7,672 m³
Parcel 34352F0712/00H006, Flanders · tallest building 21.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
BV Claerhout G
since 20032.228.925.584
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34352F0712/00H006 | Flanders | 2,069 m² | 1 · 1,058 m² | 21.0 m · 1 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.
Recognitions · licences · registrations
Care and welfare
1 serviceClaerhout Geert
Similar companies · same sector, comparable size
DRS. HARDY
BE 0473.463.532
Riemst · Eq €419k
Chiropractor Gent
BE 1003.135.495
Gent · Eq €419k
OPHTARA
BE 0879.261.349
Brussel · Eq €419k
Dr. Wynants-Lauryssen
BE 0676.418.315
Hasselt · Eq €419k
Dokter Stephanie Vrancx
BE 0731.903.206
Heist-op-den-Berg · Eq €418k
Of 9,124 companies in sector 86210 we hold annual accounts for 6,337. 5,032 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded20-05-2003
Fiscal year end31-12
Activities, NACEBEL
85120
86210General medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:geert.claerhout3a@gmail.com
Phone:056202299