CLAIVER
ActiveCLAIVER has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €115k and a net result of €4k. Equity is growing by ~16.9% per year across the filed fiscal years. Its solvency ranks better than 43% of 18016 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability18▼-82
Solvency37▲+5
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.83 against 0.76 in 2024), and 73.5% 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+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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
26.5%
Return on assets
0.9%
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 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
17 d early
2023
30 d late
2022
5 d early
2021
31 d late
2020
16 d late
2019
31 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€115k▲ 3.6%
2024 · €111k
2018: €42k
2019: €42k
2020: €54k
2021: €66k
2022: €74k
2023: €86k
2024: €111k
2018 → 2025
Total assets
€435k▼ 2.1%
2024 · €445k
2018: €590k
2019: €489k
2020: €529k
2021: €481k
2022: €439k
2023: €430k
2024: €445k
2018 → 2025
Net result
€4k▼ 84.9%
2024 · €27k
2018: €11k
2019: €19
2020: €12k
2021: €12k
2022: €8k
2023: €12k
2024: €27k
2018 → 2025
Working capital
€-32k▲ 24.8%
2024 · €-43k
2018: €-72k
2019: €-63k
2020: €-71k
2021: €-54k
2022: €-51k
2023: €-45k
2024: €-43k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€66k-€74k▲ 12.1%€86k▲ 16.6%€111k▲ 29.1%€115k▲ 3.6%
Operating result€19k-€14k▼ 29.6%€20k▲ 49.2%€40k▲ 96.3%€11k▼ 71.7%
Net result€12k-€8k▼ 35.1%€12k▲ 54.2%€27k▲ 118%€4k▼ 84.9%
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 72% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €435k
Fixed assets
€275k▼ 11.1%
Current assets
€160k▲ 18.3%
Equity and liabilities €435k
Equity
€115k▲ 3.6%
Debt
€320k▼ 4.0%
The debt ratio falls from 75.0% to 73.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€51k▼
2024 · €85k
Cash flow
€44k▼
2024 · €72k
Solvency
26.5%▲
2024 · 25.0%
Current ratio
0.83▲
2024 · 0.76
Quick ratio
0.54▲
2024 · 0.47
Debt / equity
2.77▼
2024 · 2.99
ROE
3.5%▼
2024 · 24.1%
ROA
0.9%▼
2024 · 6.0%
Interest coverage
10.93▼
2024 · 13.97
Debt
€320k▼
2024 · €333k
Debt ≤ 1 year
€193k▲
2024 · €179k
Debt > 1 year
€127k▼
2024 · €155k
Income taxes
€3k▼
2024 · €8k
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€445k€435k▼
Fixed assets21/28€309k€275k▼
Intangible fixed assets21€47k€31k▼
Tangible fixed assets22/27€259k€241k▼
Land and buildings22€105k€103k▼
Plant, machinery and equipment23€14k€14k▲
Furniture and vehicles24-€2k
Leasing and similar rights25€41k€31k▼
Other tangible fixed assets26€99k€89k▼
Financial fixed assets28€3k€3k=
Current assets29/58€136k€160k▲
Stocks and contracts in progress3€52k€56k▲
Stocks30/36€52k€56k▲
Amounts receivable within one year40/41€42k€40k▼
Trade receivables40€40k€36k▼
Other amounts receivable41€2k€4k▲
Cash at bank and in hand54/58€36k€58k▲
Deferred charges and accrued income490/1€5k€6k▲
Equity and liabilities
Total equity and liabilities10/49€445k€435k▼
Equity10/15€111k€115k▲
Contributions10/11€19k€19k=
Reserves13€93k€97k▲
Tax-exempt reserves132€3k€3k=
Distributable reserves133€89k€93k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€333k€320k▼
Amounts payable after more than one year17€155k€127k▼
Financial debts170/4€117k€90k▼
Other amounts payable178/9€38k€38k=
Amounts payable within one year42/48€179k€193k▲
Current portion of amounts payable after more than one year42€41k€28k▼
Trade debts44€34k€21k▼
Suppliers440/4€34k€21k▼
Taxes, remuneration and social security45€2k€4k▲
Taxes450/3€2k€4k▲
Other amounts payable47/48€102k€139k▲
Income statement
Code20242025
Non-recurring operating income76A-€59
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€45k€40k▼
Other operating charges640/8€5k€4k▼
Non-recurring operating charges66A€626€498▼
Gross operating margin9900€90k€56k▼
Operating profit (loss)9901€40k€11k▼
Financial income75/76B€912€776▼
Recurring financial income75€912€776▼
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€35k€7k▼
Income taxes67/77€8k€3k▼
Profit (loss) for the period9904€27k€4k▼
Profit (loss) for the period to be appropriated9905€27k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€27k€4k▼
Transfer to equity691/2€25k€4k▼
To other reserves6921€25k€4k▼
Profit to be distributed694/7€2k€0▼
Return on contributions (dividend)694€2k€0▼
The notes to these accounts (19 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €27k ▲118%
Operating result €40k, net result €27k, both a record.
31-12
Financial
Equity above €100kEq €111k ▲29.1%
7 profitable years in a row build equity to €111k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
16-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 16 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Weakest financial yearnet €19 ▼99.8%
Net result drops to €19, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
09-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 9 days late
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Heuvelland · 1 establishment unit since 2004
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.
Kemmelstraat(Kem) 398956 HeuvellandGround area
1,393 m²
Building footprint
305 m²
Volume, LiDAR
1,702 m³
Parcel 33012C0770/00Z002, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BVBA Claiver
since 20042.136.819.235
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33012C0770/00Z002 | Flanders | 1,393 m² | 1 · 305 m² | 8.3 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.
Similar companies · same sector, comparable size
D5-PHARMA
BE 0479.659.456
Ganshoren · Eq €115k
FELIS PHARMA
BE 0795.546.983
Oosterzele · Eq €115k
PHARMAHEALTH
BE 0423.649.181
Zottegem · Eq €115k
APOTHEEK GILIAS
BE 0429.191.940
Oud-Heverlee · Eq €116k
ODEPHARMA
BE 0441.639.812
Koksijde · Eq €116k
Of 5,209 companies in sector 47730 we hold annual accounts for 3,851. 3,474 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-02-2004
Fiscal year end31-12
Activities, NACEBEL
47730Retail sale of pharmaceutical products
52310
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.