CLAEYSMO
ActiveCLAEYSMO has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.23M and a net result of €31k. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 95% of 13549 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
86
/ 100
Excellent▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability7▼-1
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €190k at 30 days acceptable
Liquidity ample (current ratio 48.94 against 25.66 in 2024), and 0.3% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
99.7%
Return on assets
1.4%
Age of the figures
8 mo
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 02-06-2026, 59 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
59 d early
2024
62 d early
2023
41 d early
2022
35 d early
2021
40 d early
2020
36 d early
2019
42 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
06-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2.23M▲ 1.4%
2024 · €2.20M
2021: €2.13M
2022: €2.15M
2023: €2.17M
2024: €2.20M
2021 → 2025
Total assets
€2.24M▲ 1.0%
2024 · €2.21M
2021: €2.14M
2022: €2.16M
2023: €2.17M
2024: €2.21M
2021 → 2025
Net result
€31k▼ 14.3%
2024 · €36k
2021: €23k
2022: €23k
2023: €21k
2024: €36k
2021 → 2025
Working capital
€367k▼ 7.5%
2024 · €396k
2021: €321k
2022: €368k
2023: €376k
2024: €396k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.13M-€2.15M▲ 1.1%€2.17M▲ 1.0%€2.20M▲ 1.2%€2.23M▲ 1.4%
Operating result€34k-€34k▼ 0.3%€27k▼ 20.6%€39k▲ 43.6%€31k▼ 19.4%
Net result€23k-€23k▲ 0.6%€21k▼ 8.1%€36k▲ 69.0%€31k▼ 14.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 19% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.24M
Fixed assets
€1.86M▲ 3.4%
Current assets
€374k▼ 9.2%
Equity and liabilities €2.24M
Equity
€2.23M▲ 1.4%
Debt
€8k▼ 52.4%
The debt ratio falls from 0.7% to 0.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€67k▼
2024 · €67k
Cash flow
€66k▲
2024 · €65k
Solvency
99.7%▲
2024 · 99.3%
Current ratio
48.94▲
2024 · 25.66
Quick ratio
48.94▲
2024 · 25.66
Debt / equity
0.00▼
2024 · 0.01
ROE
1.4%▼
2024 · 1.7%
ROA
1.4%▼
2024 · 1.6%
Interest coverage
117.56▼
2024 · 1103.30
Debt
€8k▼
2024 · €16k
Debt ≤ 1 year
€8k▼
2024 · €16k
Income taxes
€12k▼
2024 · €15k
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
Total assets
20/58€2.21M€2.24M▲
Fixed assets
21/28€1.80M€1.86M▲
Tangible fixed assets
22/27€1.80M€1.86M▲
Current assets
29/58€412k€374k▼
Amounts receivable within one year
40/41€15k€477▼
Investments
50/53€380k€350k▼
Cash & bank
54/58€17k€24k▲
Total equity & liabilities
10/49€2.21M€2.24M▲
Equity
10/15€2.20M€2.23M▲
Contributions / capital
10/11€2.00M€2.00M=
Reserves
13€197k€228k▲
Amounts payable
17/49€16k€8k▼
Amounts payable within one year
42/48€16k€8k▼
Trade debts payable within one year
44€968€1k▲
Income statement
Code20242025
Gross operating margin
9900€78k€78k▼
Operating result
9901€39k€31k▼
Financial income
75€12k€12k▲
Financial charges
65€61€568▲
Result before taxes
9903€51k€43k▼
Income taxes
67/77€15k€12k▼
Net result for the period
9904€36k€31k▼
Result to be appropriated
9905€36k€31k▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
02-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €36k ▲69%
Operating result €39k, net result €36k, both a record.
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €21k ▼8.1%
Net result drops to €21k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 5current ratio 160.97
Current ratio from 31.75 to 160.97; short-term debt falls from €12k to €2k.
23-10
State Gazette act
Miscellaneous
other · Gwendolynn Ghyselinck
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
19-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
17-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 2 acts read
About the unread acts
Of the 2 Belgian State Gazette acts we know for this company, 1 has been read. The other one has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
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Of 9,089 companies in sector 68201 we hold annual accounts for 6,586. 4,118 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-05-2017
Fiscal year end31-12
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 1 actNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 27-07-2026. Scores and ratios are computed by Checked and are not a credit decision.