NICO CLAEYS
ActiveNICO CLAEYS has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €149k and a net result of €53k. Equity is growing by ~3.7% per year across the filed fiscal years. Its solvency ranks better than 88% of 27407 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth85=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 5.2 against 3.93 in 2024), and 16.6% 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 43
Relative position
BE, all sectors
reference
Sector 43
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
83.4%
Return on assets
29.8%
Age of the figures
9 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 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
18 d late
2023
29 d late
2022
31 d late
2021
3 d late
2020
on the day
2019
25 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€270k▲ 66.3%
2019 · €162k
2018: €189k
2019: €162k
2018 → 2021
EBIT margin
1.2%▼ 16.7pp
2019 · 17.9%
2018: 11.8%
2019: 17.9%
2018 → 2021
Net result
€53k▲ 75.9%
2024 · €30k
2018: €14k
2019: €24k
2020: €14k
2021: €4k
2022: €16k
2023: €-3k
2024: €30k
2018 → 2025
Working capital
€125k▲ 29.9%
2024 · €96k
2018: €88k
2019: €111k
2020: €126k
2021: €126k
2022: €144k
2023: €65k
2024: €96k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€270k-
Equity€136k-€152k▲ 11.8%€101k▼ 34.0%€128k▲ 26.8%€149k▲ 16.7%
Operating result€3k-€19k▲ 483%€-5k€40k€79k▲ 101%
Net result€4k-€16k▲ 349%€-3k€30k€53k▲ 75.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 101% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €179k
Fixed assets
€24k▼ 23.5%
Current assets
€154k▲ 19.9%
Equity and liabilities €179k
Equity
€149k▲ 16.7%
Debt
€30k▼ 9.5%
The debt ratio falls from 20.4% to 16.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€87k▲
2024 · €47k
Cash flow
€61k▲
2024 · €38k
Solvency
83.4%▲
2024 · 79.6%
Current ratio
5.20▲
2024 · 3.93
Quick ratio
5.20▲
2024 · 3.93
Debt / equity
0.20▼
2024 · 0.26
ROE
35.7%▲
2024 · 23.7%
ROA
29.8%▲
2024 · 18.8%
Interest coverage
183.18▲
2024 · 56.35
Debt
€30k▼
2024 · €33k
Debt ≤ 1 year
€30k▼
2024 · €33k
Income taxes
€27k▲
2024 · €10k
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€160k€179k▲
Fixed assets21/28€32k€24k▼
Tangible fixed assets22/27€32k€24k▼
Land and buildings22€26k€23k▼
Plant, machinery and equipment23€516€392▼
Furniture and vehicles24€5k€630▼
Current assets29/58€129k€154k▲
Amounts receivable after more than one year29€33k€33k=
Other amounts receivable291€33k€33k=
Amounts receivable within one year40/41€43k€23k▼
Trade receivables40€37k€22k▼
Other amounts receivable41€6k€2k▼
Cash at bank and in hand54/58€52k€98k▲
Deferred charges and accrued income490/1€800€469▼
Equity and liabilities
Total equity and liabilities10/49€160k€179k▲
Equity10/15€128k€149k▲
Contributions10/11€6k€6k=
Reserves13€104k€125k▲
Distributable reserves133€104k€125k▲
Profit (loss) carried forward14€17k€17k=
Amounts payable17/49€33k€30k▼
Amounts payable within one year42/48€33k€30k▼
Current portion of amounts payable after more than one year42€1k-
Trade debts44€21k€16k▼
Suppliers440/4€21k€16k▼
Taxes, remuneration and social security45€5k€9k▲
Taxes450/3€5k€9k▲
Other amounts payable47/48€5k€5k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▼
Other operating charges640/8€928€1k▲
Gross operating margin9900€48k€88k▲
Operating profit (loss)9901€40k€79k▲
Financial income75/76B€1k€1k▼
Recurring financial income75€1k€1k▼
Financial charges65/66B€836€474▼
Recurring financial charges65€836€474▼
Profit (loss) for the period before taxes9903€40k€80k▲
Transfer from deferred taxes780€803-
Income taxes67/77€10k€27k▲
Profit (loss) for the period9904€30k€53k▲
Transfer from tax-exempt reserves789€2k-
Profit (loss) for the period to be appropriated9905€33k€53k▲
Appropriation of the result
Profit (loss) to be appropriated9906€50k€70k▲
Profit (loss) brought forward from the previous period14P€17k€17k=
Transfer from equity791/2-€32k
Transfer to equity691/2€29k€53k▲
To other reserves6921€29k€53k▲
Profit to be distributed694/7€3k€32k▲
Return on contributions (dividend)694-€32k
Directors or managers695€3k-
The notes to these accounts (6 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €53k ▲75.9%
Operating result €79k, net result €53k, both a record.
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
2024
31-12
Financial
Back to profitnet €30k
Net result €30k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €-3k ▼117%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Equity above €150kEq €152k ▲11.8%
5 profitable years in a row build equity to €152k.
03-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
2021
31-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
31-12
Financial
Equity above €100kEq €121k ▲24.4%
2 profitable years in a row build equity to €121k.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 20 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Maldegem · 1 establishment unit since 2007
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.
Lindestraat 739990 MaldegemGround area
703 m²
Building footprint
78 m²
Volume, LiDAR
514 m³
Parcel 43010C0631/00Y000, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CLAEYS NICO BVBA
since 20072.162.201.858
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43010C0631/00Y000 | Flanders | 703 m² | 1 · 77 m² | 9.7 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
YOSHI DE SMEDT
BE 0781.751.308
Londerzeel · Eq €149k
JOLY CONSTRUCT
BE 0722.772.338
Ukkel · Eq €149k
VERSTIE
BE 0897.459.935
Dilsen-Stokkem · Eq €149k
RENOVATIEWERKEN NICKY & FLORENCE
BE 0817.070.392
Hasselt · Eq €149k
Wesley Van de Kerkhove
BE 0651.978.768
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Of 15,435 companies in sector 43990 we hold annual accounts for 7,353. 6,006 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-04-2007
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
45250
68121Development of residential building projects
42110Construction of roads and motorways
45230
70111
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.