CLAESSENS INVEST
ActiveSummary
CLAESSENS INVEST has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €952k and a net result of €90k. Equity is growing by ~38.3% per year across the filed fiscal years. Its solvency ranks better than 50% of 913 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-4
Solvency62▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity tight (current ratio 1.21 against 1.05 in 2024; short-term debt: 14.9% and cash: 1.5% of total assets), and 62.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three 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 77
Relative position
BE, all sectors
reference
Sector 77
higher
← fewer bankruptcies
more bankruptcies →
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
37.2%
Return on assets
3.5%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
1 d early
2024
39 d late
2022
27 d early
2021
3 d late
2020
30 d late
2019
53 d late
2018
23 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€952k▲ 10.4%
2024 · €862k
2018: €98k
2019: €288k
2020: €398k
2021: €594k
2022: €801k
2024: €862k
2018 → 2025
Total assets
€2.56M▼ 4.3%
2024 · €2.67M
2018: €598k
2019: €1.47M
2020: €1.69M
2021: €1.94M
2022: €3.08M
2024: €2.67M
2018 → 2025
Net result
€90k▼ 48.9%
2024 · €176k
2018: €43k
2019: €190k
2020: €110k
2021: €196k
2022: €207k
2024: €176k
2018 → 2025
Working capital
€79k▲ 137%
2024 · €33k
2018: €64k
2019: €122k
2020: €92k
2021: €245k
2022: €172k
2024: €33k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220242025Trend
Equity€398k-€594k▲ 49.2%€801k▲ 34.9%€862k▲ 7.6%€952k▲ 10.4%
Operating result€167k-€298k▲ 78.0%€261k▼ 12.6%€330k▲ 26.7%€161k▼ 51.2%
Net result€110k-€196k▲ 77.8%€207k▲ 5.8%€176k▼ 14.9%€90k▼ 48.9%
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 51% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.56M
Fixed assets
€2.10M ▲ 4.4%
Current assets
€459k ▼ 30.6%
Equity and liabilities €2.56M
Equity
€952k ▲ 10.4%
Debt
€1.60M ▼ 11.3%
Debt's share of the balance-sheet total falls from 67.7% to 62.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€410k▼
2024 · €814k
Cash flow
€339k▼
2024 · €660k
Current ratio
1.21▲
2024 · 1.05
Debt to equity
1.68▼
2024 · 2.10
ROE
9.5%▼
2024 · 20.4%
ROA
3.5%▼
2024 · 6.6%
Interest coverage
10.83▲
2024 · 9.89
Debt ≤ 1 year
€380k▼
2024 · €628k
Debt > 1 year
€1.22M▲
2024 · €1.16M
Income taxes
€37k▼
2024 · €75k
Staff costs
€0▼
2024 · €257k
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 · 69 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.67M€2.56M▼
Fixed assets21/28€2.01M€2.10M▲
Tangible fixed assets22/27€2.01M€2.10M▲
Land and buildings22€345k€332k▼
Plant, machinery and equipment23€261k€308k▲
Furniture and vehicles24€184k€130k▼
Leasing and similar rights25€275k€222k▼
Other tangible fixed assets26€777k€1.10M▲
Assets under construction and advance payments27€167k€0▼
Financial fixed assets28€135€135=
Current assets29/58€662k€459k▼
Stocks and contracts in progress3€0-
Stocks30/36€0-
Contracts in progress37€0-
Amounts receivable within one year40/41€642k€417k▼
Trade receivables40€640k€399k▼
Other amounts receivable41€2k€18k▲
Cash at bank and in hand54/58€14k€38k▲
Deferred charges and accrued income490/1€5k€5k▼
Equity and liabilities
Total equity and liabilities10/49€2.67M€2.56M▼
Equity10/15€862k€952k▲
Contributions10/11€6k€6k=
Reserves13€854k€944k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€854k€944k▲
Profit (loss) carried forward14€1k€1k▲
Provisions and deferred taxes16€0-
Provisions for liabilities and charges160/5€0-
Other liabilities and charges164/5€0-
Amounts payable17/49€1.81M€1.60M▼
Amounts payable after more than one year17€1.16M€1.22M▲
Financial debts170/4€1.16M€1.22M▲
Amounts payable within one year42/48€628k€380k▼
Current portion of amounts payable after more than one year42€191k€197k▲
Financial debts43€15k€15k▼
Credit institutions430/8€15k€15k▼
Trade debts44€32k€101k▲
Suppliers440/4€32k€101k▲
Taxes, remuneration and social security45€10k€10k▲
Taxes450/3€5k€7k▲
Remuneration and social security454/9€5k€3k▼
Other amounts payable47/48€380k€57k▼
Accrued charges and deferred income492/3€19k€883▼
Income statement
Code20242025
Non-recurring operating income76A€6k€0▼
Remuneration, social security and pensions62€257k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€484k€249k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€4k
Provisions for liabilities and charges: additions (uses and reversals)635/8€-48k€0▲
Other operating charges640/8€26k€15k▼
Non-recurring operating charges66A€980€5k▲
Gross operating margin9900€1.05M€434k▼
Operating profit (loss)9901€330k€161k▼
Financial income75/76B€3k€3k▲
Recurring financial income75€3k€3k▲
Financial charges65/66B€82k€38k▼
Recurring financial charges65€82k€38k▼
Profit (loss) for the period before taxes9903€251k€127k▼
Income taxes67/77€75k€37k▼
Profit (loss) for the period9904€176k€90k▼
Profit (loss) for the period to be appropriated9905€176k€90k▼
Appropriation of the result
Profit (loss) to be appropriated9906€178k€91k▼
Profit (loss) brought forward from the previous period14P€1k€1k▲
Transfer from equity791/2€85k€0▼
Transfer to equity691/2€176k€90k▼
To other reserves6921€176k€90k▼
Profit to be distributed694/7€85k€0▼
Return on contributions (dividend)694€85k€0▼
Social balance
Average headcount (FTE)90876.70.0▼
The notes to these accounts (31 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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
11-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 39 days late
2023
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €207k ▲5.8%
Net result €207k, the highest in the series.
03-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 3 days late
2021
31-12
Financial
Equity above €500kEq €594k ▲49.2%
4 profitable years in a row build equity to €594k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2020
22-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 53 days late
2019
31-12
Financial
Equity above €200kEq €288k ▲193%
2 profitable years in a row build equity to €288k.
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
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, Aalst · 1 establishment unit since 2016
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.
Steven 159310 AalstGround area
1,761 m²
Building footprint
110 m²
Volume, LiDAR
609 m³
Parcel 41042A0187/00G000, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Steven 15, 9310 Aalst
since 20162.254.625.636
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41042A0187/00G000 | Flanders | 1,761 m² | 1 · 110 m² | 7.6 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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 1,092 EUR awarded · 1,079 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 682 EUR | 669 EUR |
| 2022 | 1 | 410 EUR | 410 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 233 companies in sector 77221 we hold annual accounts for 125. 72 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 formPrivate limited company
Founded04-07-2016
Fiscal year end30-06
Activities, NACEBEL 2025
77221Rental and leasing activities
77320Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.