Checked.be
Active
BE 0453.487.470Private limited company
CLATERVIS
Kapelstraat 85 ·2540 Hove, Belgium· 31 yrs active
Sector: Retail trade
(47230)
Conclusion
CLATERVIS has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €198k and a net result of €51k. Equity is growing by ~12.2% per year across the filed fiscal years. Its solvency ranks better than 69% of 1433 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Based on the State Gazette, CBE and 4 annual accounts.
Key figures
| Equity | €198k |
| Net result | €51k |
| Staff (FTE) | 5.1 |
| Better than sector | 69% |
Financial profile
91
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
91
Profitability
100
Solvency
86
Growth
78
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Long-established
Founded in 1994, 31 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
91
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€18k
estimate, not credit advice
Score history
86
2022
94
2023
100
2024
91
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 1.76 (≥ 1.5)
+10
Quick ratio
Quick ratio 1.71 (≥ 1.0)
+5
Leverage
Debt/equity 1.18 (< 2.0)
+3
Profitability
ROE 26% (≥ 10%)
+10
Interest coverage
Interest coverage 65.6× (≥ 3×)
+8
Profit trend
Net profit up YoY
+5
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 02-07-2026 with the NBB · fiscal year 2025 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~12.2%/year over 4 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 45.8% | 23.5% | |
| Net result | €51k | €7k | |
| Equity | €198k | €25k | |
| Gross operating margin | €231k | €34k | |
| Staff costs | €122k | €42k |
€108k
-0.4%
22-25
€51k
+18.3%
22-25
€87k
+12.7%
22-25
€432k
+7.5%
22-25
€198k
-5.6%
22-25
€114k
-7.5%
22-25
5
+50.0%
22-25
€122k
+93.5%
22-25
€21k
-15.2%
22-25
€63k
+7225.3%
22-25
€234k
+21.7%
22-25
€151k
+55.4%
22-25
€83k
-12.5%
22-25
1.76
-22.7%
22-25
1.71
-22.5%
22-25
45.8%
-12.2%
22-25
1.18
+28.9%
22-25
25.8%
+25.3%
22-25
11.8%
+10.1%
22-25
65.61
+355.0%
22-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - |
| EBITDA | €108k | €108k | €89k | €55k |
| Net profit | €51k | €43k | €41k | €17k |
| Cash flow | €87k | €77k | €68k | €43k |
| Staff costs | €122k | €63k | €11k | €7k |
| Income taxes | €21k | €25k | €21k | €8k |
| Dividends | €63k | €859 | €15k | - |
| Total assets | €432k | €402k | €387k | €334k |
| Equity | €198k | €210k | €167k | €142k |
| Debt | €234k | €192k | €220k | €192k |
| of which ≤ 1y | €151k | €97k | €112k | €71k |
| of which > 1y | €83k | €95k | €108k | €121k |
| Working capital | €114k | €124k | €73k | €70k |
| Employees (FTE) | 5.1 | 3.4 | - | - |
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Current ratio | 1.76 | 2.28 | 1.65 | 1.98 |
| Quick ratio | 1.71 | 2.21 | 1.55 | 1.94 |
| Working capital ratio | 26.5% | 30.8% | 18.7% | 20.8% |
| Solvency | 45.8% | 52.2% | 43.2% | 42.4% |
| Debt / equity | 1.18 | 0.92 | 1.31 | 1.36 |
| Long-term debt ratio | 0.42 | 0.45 | 0.65 | 0.86 |
| Interest coverage | 65.61 | 14.42 | 40.61 | 10.18 |
| Gross margin | - | - | - | - |
| Net margin | - | - | - | - |
| ROA | 11.8% | 10.8% | 10.5% | 5.0% |
| ROE | 25.8% | 20.6% | 24.4% | 11.8% |
| EBITDA margin | - | - | - | - |
| Days sales outstanding | - | - | - | - |
| Days payable outstanding | - | - | - | - |
| Inventory turnover | - | - | - | - |
| Days inventory (DSI) | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (25 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet, Assets | |||||
| TOTAL ASSETS | 20/58 | €432k | €402k | €387k | €334k |
| Fixed assets | 21/28 | €167k | €181k | €203k | €193k |
| Intangible fixed assets | 21 | €3k | - | - | - |
| Tangible fixed assets | 22/27 | €164k | €181k | €203k | €193k |
| Current assets | 29/58 | €265k | €221k | €184k | €140k |
| Stocks & contracts in progress | 3 | €8k | €7k | €11k | €3k |
| Amounts receivable within one year | 40/41 | €3k | €7k | €13k | €2k |
| Investments | 50/53 | €37 | €37 | - | - |
| Cash & bank | 54/58 | €252k | €204k | €159k | €134k |
| Balance sheet, Equity & liabilities | |||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €432k | €402k | €387k | €334k |
| Equity | 10/15 | €198k | €210k | €167k | €142k |
| Contributions / capital | 10/11 | €19k | €19k | €19k | €19k |
| Reserves | 13 | €180k | €191k | €149k | €123k |
| Amounts payable | 17/49 | €234k | €192k | €220k | €192k |
| Amounts payable after one year | 17 | €83k | €95k | €108k | €121k |
| Amounts payable within one year | 42/48 | €151k | €97k | €112k | €71k |
| Trade debts payable within one year | 44 | €46k | €36k | €59k | €37k |
| Income statement | |||||
| Gross operating margin | 9900 | €231k | €173k | €101k | €64k |
| Operating result | 9901 | €73k | €75k | €62k | €29k |
| Financial income | 75 | €2k | €1k | €3k | €910 |
| Financial charges | 65 | €2k | €8k | €2k | €5k |
| Result before taxes | 9903 | €73k | €68k | €62k | €25k |
| Income taxes | 67/77 | €21k | €25k | €21k | €8k |
| Net result for the period | 9904 | €51k | €43k | €41k | €17k |
| Result to be appropriated | 9905 | €51k | €43k | €41k | €17k |
Legal Structure
| NACE primary | Retail trade(47230) |
| Legal form | Private limited company(610) |
| Incorporation | 27-09-1994 |
| Status | Active |
| Postal code | 2540 |
Establishment units
CLATERVIS
since 19942.068.866.379
Real-estate footprint
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11021A0272/00X002 | Flanders | 96 m² | 1 · 48 m² | 11.8 m · 3 fl. |
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.
Updates
Next filing, fiscal year 2026, expected by
2026
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €51k ▲18.3%
Net result €51k, the highest in the series.
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €210k ▲25.3%
3 profitable years in a row build equity to €210k.
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150kEq €167k ▲18.3%
2 profitable years in a row build equity to €167k.
04-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 4 days late
2022
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Retail trade47230Non-specialised retail sale with food, beverages or tobacco predominating47110Retail trade4711252112
Names & trade names
| Legal nameNL | CLATERVIS |
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