CLAEYS
ActiveSummary
CLAEYS has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.53M and a net result of €142k. Equity is growing by ~39.9% per year across the filed fiscal years. Its solvency ranks better than 31% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▼-2
Solvency56▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100k at 30 days acceptable
Liquidity short (current ratio 0.98 against 1.34 in 2024; short-term debt: 19.1% and cash: 2.7% of total assets), and 69% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
31%
Return on assets
2.9%
Age of the figures
17 mo
neutral · Filed after the deadline
The financial year that closed on 30-04-2025 was due by 30-11-2025 and was filed on 26-12-2025, 26 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
26 d late
2024
23 d late
2023
22 d late
2022
62 d late
2021
24 d late
2020
58 d late
2019
47 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 30-04-2026 and is due by 30-11-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-04-2026 close24-09-2026 today30-11-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€1.53M▲ 0.1%
2024 · €1.53M
2019: €-51k
2020: €38k
2021: €455k
2022: €747k
2023: €1.28M
2024: €1.53M
2019 → 2025
Total assets
€4.93M▼ 10.1%
2024 · €5.49M
2019: €1.20M
2020: €1.27M
2021: €1.49M
2022: €1.78M
2023: €4.80M
2024: €5.49M
2019 → 2025
Net result
€142k▼ 43.0%
2024 · €249k
2019: €-33k
2020: €189k
2021: €438k
2022: €294k
2023: €258k
2024: €249k
2019 → 2025
Working capital
€-22k
2024 · €425k
2019: €-306k
2020: €-234k
2021: €194k
2022: €343k
2023: €1.51M
2024: €425k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€455k-€747k▲ 64.3%€1.28M▲ 71.1%€1.53M▲ 19.4%€1.53M▲ 0.1%
Operating result€601k-€410k▼ 31.8%€347k▼ 15.3%€409k▲ 17.7%€325k▼ 20.4%
Net result€438k-€294k▼ 32.8%€258k▼ 12.4%€249k▼ 3.4%€142k▼ 43.0%
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 20% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.93M
Fixed assets
€4.01M ▲ 5.3%
Current assets
€922k ▼ 45.1%
Equity and liabilities €4.93M
Equity
€1.53M ▲ 0.1%
Debt
€3.40M ▼ 14.1%
Debt's share of the balance-sheet total falls from 72.2% to 69.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€567k▼
2024 · €688k
Cash flow
€383k▼
2024 · €528k
Current ratio
0.98▼
2024 · 1.34
Quick ratio
0.91▼
2024 · 1.13
Debt to equity
2.23▼
2024 · 2.60
ROE
9.3%▼
2024 · 16.3%
ROA
2.9%▼
2024 · 4.5%
Interest coverage
6.08▼
2024 · 9.30
Debt ≤ 1 year
€944k▼
2024 · €1.26M
Debt > 1 year
€2.46M▼
2024 · €2.71M
Income taxes
€90k▲
2024 · €86k
Staff costs
€204k▼
2024 · €235k
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 · 57 lines
Balance sheet
Code20242025
Assets
Total assets20/58€5.49M€4.93M▼
Fixed assets21/28€3.81M€4.01M▲
Tangible fixed assets22/27€3.80M€4.00M▲
Land and buildings22€3.70M€3.88M▲
Plant, machinery and equipment23€11k€8k▼
Furniture and vehicles24€87k€106k▲
Other tangible fixed assets26€3k€9k▲
Financial fixed assets28€6k€6k=
Current assets29/58€1.68M€922k▼
Stocks and contracts in progress3€258k€59k▼
Contracts in progress37€258k€59k▼
Amounts receivable within one year40/41€1.02M€709k▼
Trade receivables40€551k€666k▲
Other amounts receivable41€466k€42k▼
Current investments50/53€12k€12k=
Cash at bank and in hand54/58€378k€136k▼
Deferred charges and accrued income490/1€15k€8k▼
Equity and liabilities
Total equity and liabilities10/49€5.49M€4.93M▼
Equity10/15€1.53M€1.53M▲
Contributions10/11€294k€294k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€1.23M€1.23M▲
Amounts payable17/49€3.96M€3.40M▼
Amounts payable after more than one year17€2.71M€2.46M▼
Financial debts170/4€2.71M€2.46M▼
Amounts payable within one year42/48€1.26M€944k▼
Current portion of amounts payable after more than one year42€245k€251k▲
Financial debts43€216k€64k▼
Credit institutions430/8€16k€64k▲
Other loans439€200k€0▼
Trade debts44€233k€131k▼
Suppliers440/4€233k€131k▼
Advances received on contracts in progress46€317k€308k▼
Taxes, remuneration and social security45€127k€51k▼
Taxes450/3€84k€23k▼
Remuneration and social security454/9€42k€28k▼
Other amounts payable47/48€118k€140k▲
Accrued charges and deferred income492/3€85€4k▲
Income statement
Code20242025
Remuneration, social security and pensions62€235k€204k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€279k€241k▼
Other operating charges640/8€5k€7k▲
Gross operating margin9900€927k€778k▼
Operating profit (loss)9901€409k€325k▼
Financial income75/76B€11€7▼
Recurring financial income75€11€7▼
Financial charges65/66B€74k€93k▲
Recurring financial charges65€74k€93k▲
Profit (loss) for the period before taxes9903€335k€232k▼
Income taxes67/77€86k€90k▲
Profit (loss) for the period9904€249k€142k▼
Profit (loss) for the period to be appropriated9905€249k€142k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.23M€1.37M▲
Profit (loss) brought forward from the previous period14P€983k€1.23M▲
Profit to be distributed694/7€2k€140k▲
Return on contributions (dividend)694€2k€140k▲
Social balance
Average headcount (FTE)90873.32.0▼
The notes to these accounts (15 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
2025
26-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 26 days late
2024
23-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 23 days late
2023
22-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 22 days late
30-04
Financial
Equity above €1MEq €1.28M ▲71.1%
4 profitable years in a row build equity to €1.28M.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 62 days late
2022
30-04
Financial
Equity above €500kEq €747k ▲64.3%
3 profitable years in a row build equity to €747k.
2021
24-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 24 days late
30-04
Financial
Highest result since 2019net €438k ▲132%
Operating result €601k, net result €438k, both a record.
30-04
Financial
Equity above €200kEq €455k ▲1082%
2 profitable years in a row build equity to €455k.
27-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 58 days late
2020
30-04
Financial
Back to profitnet €189k
Net result €189k after one loss-making year.
2019
14-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
30-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Dilbeek · 3 establishment units since 1998
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.
Kraanstraat 1051703 DilbeekGround area
3,961 m²
Building footprint
518 m²
Volume, LiDAR
1,943 m³
3 parcels, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
3 establishment units
Kraanstraat 105, 1703 Dilbeek
since 19982.087.723.971
Claeys
since 20142.232.680.573
Brouwerijstraat 8, 1750 Lennik
since 20242.367.788.806
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23070C0319/00C000 | Flanders | 2,192 m² | 1 · 205 m² | 8.0 m · 2 fl. |
| 23075D0185/00D000 | Flanders | 1,223 m² | 1 · 188 m² | - |
| 23070A0074/00K000 | Flanders | 546 m² | 1 · 126 m² | 9.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels 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
2023 to 2025 · 2 entries · 3,638 EUR awarded · 3,638 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,498 EUR | 2,498 EUR |
| 2023 | 1 | 1,140 EUR | 1,140 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 23,180 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
Founded09-06-1998
Fiscal year end30-04
Activities, NACEBEL 2025
66210Risk and damage evaluation
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.claeysexpertise.be
E-mail:pascal@claeysexpertise.be