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Claro

Active
Private limited companyfounded 1983active for 43 yearsKortrijksestraat 153, 8520 Kuurne, BelgiumKBO/BCE: BE 0424.309.771
Summary

Claro has been active since 1983 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €468,154 and a net result of €363,005. Equity remains stable across the filed financial years (±0.1% per year). Its solvency ranks better than 46% of 9,701 sector peers (NACE 46, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Overview

Activity
Wholesale of electrical household appliances and audio-video equipment
NACE 46431
1 site
Size
€1.2mtotal assets 2025
Equity
€468,154
Profit
€363,005
Turnover not published (abbreviated or micro format)Net result +153%: 12-month year
Financial health
97 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Structure
Parent
Gumalu · 100%
Accounts 15 days early2 of 8 deeds read
Why 97raises riskFigures for financial year 2025 (filed 21-10-2025)lowers riskFounded in 1983Liquidity: current ratio 3.74, cash €174,604Size: total assets €1.2mShow the evidence

Checked score

Score 2025
97 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 78% of its sector peers (NACE 46, micro)
Financial strength · tick = 2024
Strong
Solvency 64+18
equity 39.3% of total assets
Liquidity 67+47
short-term debt 12.0% · cash 14.6%
Profitability 100=
return on assets 30.4%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,876 companies, NACE 46, micro)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%● unchanged vs 11-2024 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.2%▲ +0.1 percentage points vs 06-2025 08-2025: 0.2%● unchanged vs 07-2025 09-2025: 0.2%● unchanged vs 08-2025 10-2025: 0.3%▲ +0.1 percentage points vs 09-2025highest value 11-2025: < 0.1%▼ -0.3 percentage points vs 10-2025lowest value 12-2025: < 0.1%● unchanged vs 11-2025lowest value 01-2026: < 0.1%● unchanged vs 12-2025lowest value 02-2026: < 0.1%● unchanged vs 01-2026lowest value 03-2026: < 0.1%● unchanged vs 02-2026lowest value 04-2026: < 0.1%● unchanged vs 03-2026lowest value 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: < 0.1%● unchanged vs 06-2026 08-2026: < 0.1%● unchanged vs 07-2026 09-2026: < 0.1%● unchanged vs 08-2026 10-2026: 0.1%▲ +0.1 percentage points vs 09-2026
Credit of up to €45,000 on 30-day terms is acceptable
Liquidity ample (current ratio 3.74, compared with 0.47 in 2024, above the usual 1.5; short-term debt: 12% and cash: 14.6% of total assets), but 60.7% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, micro): better than 48% on solvency, 73% on liquidity, 95% on profitability and 98% on growth.

The bankruptcy probability was computed on 19-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
lowers riskraises riskneutral
raises risk · Figures for financial year 2025 (filed 21-10-2025)
NBB · annual accounts
lowers risk · Founded in 1983
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
lowers risk · Liquidity: current ratio 3.74, cash €174,604
NBB · annual accounts
lowers risk · Size: total assets €1.2m
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025
Equity per financial year
192021222425
2019 to 2025 · latest year €468,154
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 16-10-2025, 15 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
15 days early
2024
17 days early
2022
42 days early
2021
41 days early
2020
27 days early
2019
28 days early
2018
43 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 30 days before the deadline; the sector median (NACE 46) for financial year 2024 is 3 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 31-03-2026 is due by 31-10-2026. Nothing is late today.
Companies Code · seven months
Where today falls in the filing period
31-03-2026 year end20-10-2026 today31-10-2026 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · abbreviated…
  2. Resignation: Gumalu (bestuurder van de nv)Appointments: ROTSAERT Yellen (director) and…
  3. Highest result from 2019 to 2025net €363,005 ▲153%

Key points

  • Positive: Equity rose in 2025from €105,149 to €468,154 ▲ 345% View
  • Positive: Among the best 10% on net resultsector median €27,137 · 9,680 companies €363,005 View
  • Positive: Filed on time since financial year 2017accounts within the deadline every year 8 years View
  • Controlled by Gumalu 100% View
  • Positive: 6 profitable years in a rowprofit 2025: €363,005 6 years View

By topic

Financials

Financial year
2025
Total assets
€1.2m
Profit
€363,005
Solvency
39.3%
Total assets▲ 133%
Net result
20192025
Go to Financials

Timeline

Events
47
Since
1985
Next accounts
by 31-10-2026
  1. 31-03-2025Liquidity times 8
  2. 31-03-2025Equity above €200,000
  3. 25-11-2024Resignations: Francis Rotsaert (director and managing director)…
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Wholesale of electrical household appliances and audio-video equipmentNACE 46431
Founded
27-06-1983
Year ends
31-03
Peppol
Reachable for e-invoices
Go to Company details

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