CLARINVAL GUY
ActiveCLARINVAL GUY has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €854k and a net result of €117k. Equity is growing by ~8.6% per year across the filed fiscal years. Its solvency ranks better than 50% of 2152 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▲+3
Solvency62▲+2
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity tight (current ratio 1.32 against 1.25 in 2024; short-term debt: 58.4% and cash: 11% of total assets), and 62.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
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
37.5%
Return on assets
5.2%
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 14-08-2026, 14 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
14 d late
2024
27 d late
2023
27 d late
2022
on the day
2021
23 d late
2020
4 d early
2019
52 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€117k▲ 119%
2024 · €54k
2018: €58k
2019: €-62k
2020: €228k
2021: €209k
2022: €69k
2023: €61k
2024: €54k
2018 → 2025
Working capital
€421k▲ 25.0%
2024 · €337k
2018: €339k
2019: €242k
2020: €314k
2021: €360k
2022: €318k
2023: €310k
2024: €337k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€702k-€722k▲ 2.8%€783k▲ 8.4%€786k▲ 0.5%€854k▲ 8.6%
Operating result€287k-€113k▼ 60.6%€107k▼ 5.1%€113k▲ 6.0%€110k▼ 3.2%
Net result€209k-€69k▼ 66.7%€61k▼ 12.5%€54k▼ 11.7%€117k▲ 119%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.28M
Fixed assets
€526k▲ 1.0%
Current assets
€1.75M▲ 2.5%
Equity and liabilities €2.28M
Equity
€854k▲ 8.6%
Debt
€1.42M▼ 1.3%
The debt ratio falls from 64.7% to 62.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€276k▼
2024 · €288k
Cash flow
€283k▲
2024 · €228k
Solvency
37.5%▲
2024 · 35.3%
Current ratio
1.32▲
2024 · 1.25
Quick ratio
0.68▲
2024 · 0.66
Debt / equity
1.67▼
2024 · 1.83
ROE
13.8%▲
2024 · 6.8%
ROA
5.2%▲
2024 · 2.4%
Interest coverage
17.27▲
2024 · 14.24
Debt
€1.42M▼
2024 · €1.44M
Debt ≤ 1 year
€1.33M▼
2024 · €1.37M
Debt > 1 year
€94k▲
2024 · €72k
Income taxes
€26k▼
2024 · €40k
Staff costs
€1.64M▲
2024 · €1.37M
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€2.23M€2.28M▲
Fixed assets21/28€521k€526k▲
Intangible fixed assets21€3k€2k▼
Tangible fixed assets22/27€488k€494k▲
Plant, machinery and equipment23€52k€133k▲
Furniture and vehicles24€336k€305k▼
Leasing and similar rights25€87k€49k▼
Other tangible fixed assets26€12k€8k▼
Financial fixed assets28€30k€30k=
Current assets29/58€1.71M€1.75M▲
Stocks and contracts in progress3€807k€853k▲
Stocks30/36€807k€853k▲
Amounts receivable within one year40/41€707k€612k▼
Trade receivables40€579k€474k▼
Other amounts receivable41€128k€138k▲
Cash at bank and in hand54/58€161k€250k▲
Deferred charges and accrued income490/1€33k€35k▲
Equity and liabilities
Total equity and liabilities10/49€2.23M€2.28M▲
Equity10/15€786k€854k▲
Contributions10/11€260k€260k=
Reserves13€51k€51k=
Distributable reserves133€51k€51k=
Profit (loss) carried forward14€475k€543k▲
Amounts payable17/49€1.44M€1.42M▼
Amounts payable after more than one year17€72k€94k▲
Financial debts170/4€72k€94k▲
Amounts payable within one year42/48€1.37M€1.33M▼
Current portion of amounts payable after more than one year42€134k€75k▼
Financial debts43€158k€23k▼
Credit institutions430/8€158k€23k▼
Trade debts44€719k€695k▼
Suppliers440/4€719k€695k▼
Advances received on contracts in progress46€82k€187k▲
Taxes, remuneration and social security45€138k€210k▲
Taxes450/3€14k€2k▼
Remuneration and social security454/9€124k€208k▲
Other amounts payable47/48€140k€140k=
Income statement
Code20242025
Remuneration, social security and pensions62€1.37M€1.64M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€174k€166k▼
Other operating charges640/8€44k€17k▼
Gross operating margin9900€1.71M€1.94M▲
Operating profit (loss)9901€113k€110k▼
Financial income75/76B-€50k
Recurring financial income75-€50k
Financial charges65/66B€20k€16k▼
Recurring financial charges65€20k€16k▼
Profit (loss) for the period before taxes9903€93k€144k▲
Income taxes67/77€40k€26k▼
Profit (loss) for the period9904€54k€117k▲
Profit (loss) for the period to be appropriated9905€54k€117k▲
Appropriation of the result
Profit (loss) to be appropriated9906€525k€593k▲
Profit (loss) brought forward from the previous period14P€472k€475k▲
Profit to be distributed694/7€50k€50k=
Return on contributions (dividend)694€50k€50k=
Social balance
Average headcount (FTE)908727.129.2▲
The notes to these accounts (13 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
14-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 14 days late
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 27 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 27 days late
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 23 days late
2021
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €228k
Net result €228k after one loss-making year.
31-12
Financial
Equity above €500kEq €544k ▲48.6%
Equity rises from €366k to €544k.
21-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 52 days late
2019
31-12
Financial
Weakest financial yearnet €-62k ▼208%
Net result drops to €-62k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 28 days late
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 22 days late
2017
18-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 18 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Beauraing · 1 establishment unit since 1988
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.
rue de Wellin 335574 BeauraingGround area
4,489 m²
Building footprint
59 m²
Parcel 91108B0914/00W000, Wallonia. Linked by address, not a title deed.
1 establishment unit
CLARINVAL GUY
since 19882.034.634.980
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91108B0914/00W000 | Wallonia | 4,489 m² | 1 · 59 m² | - |
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
Recognised contractor
17 categoriesCLARINVAL GUY SRL45778
Similar companies · same sector, comparable size
Construbel
BE 0808.238.741
Nivelles · Eq €854k
LIERNEUX ERIC
BE 0431.835.783
Modave · Eq €854k
DE PEUTER J.
BE 0810.782.715
Meerhout · Eq €854k
RAMAN BOUW EN TECHNIEKEN
BE 0736.519.713
Lievegem · Eq €853k
ALGEMENE BOUWWERKEN NEYT
BE 0448.039.436
Bredene · Eq €855k
Of 29,808 companies in sector 41001 we hold annual accounts for 16,033. 7,067 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-02-1988
Fiscal year end31-12
Activities, NACEBEL
25110Manufacture of metal structures and parts of structures
41001General construction of residential buildings
45211
25401Forging of metal
43221Plumbing work
43320Joinery installation
43410Roofing work
74104Other professional, scientific and technical activities
74130Interior design
95210Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.