R&R CLERKX
ActiveSummary
R&R CLERKX has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €353k and a net result of €75k. Equity is growing by ~49.4% per year across the filed fiscal years. Its solvency ranks better than 42% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-2
Solvency65▲+9
Growth78=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity tight (current ratio 1.17 against 0.89 in 2024; short-term debt: 31.7% and cash: 2.5% of total assets), and 60.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three 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 · 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
39.7%
Return on assets
8.5%
Age of the figures
18 mo
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 29-10-2025, 2 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
2 d early
2024
1 d early
2023
on the day
2022
3 d early
2021
3 d early
2020
11 d early
2019
20 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€353k▲ 27.1%
2024 · €278k
2019: €31k
2020: €47k
2021: €100k
2022: €137k
2023: €190k
2024: €278k
2019 → 2025
Total assets
€888k=
2024 · €888k
2019: €290k
2020: €505k
2021: €535k
2022: €703k
2023: €784k
2024: €888k
2019 → 2025
Net result
€75k▼ 14.6%
2024 · €88k
2019: €25k
2020: €17k
2021: €52k
2022: €37k
2023: €40k
2024: €88k
2019 → 2025
Working capital
€49k
2024 · €-37k
2019: €-38k
2020: €-113k
2021: €-84k
2022: €-77k
2023: €-71k
2024: €-37k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€100k-€137k▲ 37.4%€190k▲ 38.5%€278k▲ 46.4%€353k▲ 27.1%
Operating result€62k-€48k▼ 22.6%€51k▲ 5.9%€120k▲ 138%€106k▼ 11.7%
Net result€52k-€37k▼ 28.6%€40k▲ 8.3%€88k▲ 118%€75k▼ 14.6%
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 12% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €888k
Fixed assets
€557k ▼ 7.3%
Current assets
€331k ▲ 15.2%
Equity and liabilities €888k
Equity
€353k ▲ 27.1%
Debt
€536k ▼ 12.3%
Debt's share of the balance-sheet total falls from 68.8% to 60.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€175k▲
2024 · €171k
Cash flow
€144k▲
2024 · €139k
Current ratio
1.17▲
2024 · 0.89
Quick ratio
0.42▲
2024 · 0.37
Debt to equity
1.52▼
2024 · 2.20
ROE
21.3%▼
2024 · 31.7%
ROA
8.5%▼
2024 · 9.9%
Interest coverage
30.77▼
2024 · 31.00
Debt ≤ 1 year
€282k▼
2024 · €324k
Debt > 1 year
€254k▼
2024 · €286k
Income taxes
€26k▼
2024 · €28k
Staff costs
€7k▼
2024 · €19k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€888k€888k=
Fixed assets21/28€601k€557k▼
Tangible fixed assets22/27€601k€557k▼
Land and buildings22€463k€442k▼
Plant, machinery and equipment23€35k€43k▲
Furniture and vehicles24€103k€73k▼
Current assets29/58€287k€331k▲
Stocks and contracts in progress3€168k€211k▲
Stocks30/36€168k€211k▲
Amounts receivable within one year40/41€105k€86k▼
Trade receivables40€82k€62k▼
Other amounts receivable41€22k€24k▲
Current investments50/53€4k€9k▲
Cash at bank and in hand54/58€10k€22k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€888k€888k=
Equity10/15€278k€353k▲
Contributions10/11€19k€19k=
Reserves13€259k€334k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€259k€334k▲
Amounts payable17/49€611k€536k▼
Amounts payable after more than one year17€286k€254k▼
Financial debts170/4€286k€254k▼
Amounts payable within one year42/48€324k€282k▼
Current portion of amounts payable after more than one year42€32k€32k▲
Trade debts44€92k€71k▼
Suppliers440/4€92k€71k▼
Taxes, remuneration and social security45€5k€3k▼
Taxes450/3€3k€1k▼
Remuneration and social security454/9€1k€1k▲
Other amounts payable47/48€195k€175k▼
Income statement
Code20242025
Non-recurring operating income76A€3k€4k▲
Remuneration, social security and pensions62€19k€7k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€51k€69k▲
Other operating charges640/8€4k€4k▲
Gross operating margin9900€194k€186k▼
Operating profit (loss)9901€120k€106k▼
Financial income75/76B€1k€641▼
Recurring financial income75€1k€641▼
Financial charges65/66B€6k€6k▲
Recurring financial charges65€6k€6k▲
Profit (loss) for the period before taxes9903€116k€101k▼
Income taxes67/77€28k€26k▼
Profit (loss) for the period9904€88k€75k▼
Profit (loss) for the period to be appropriated9905€88k€75k▼
Appropriation of the result
Profit (loss) to be appropriated9906€88k€75k▼
Transfer to equity691/2€88k€75k▼
To other reserves6921€88k€75k▼
The notes to these accounts (9 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
2025
29-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Highest result since 2019net €88k ▲118%
Operating result €120k, net result €88k, both a record.
31-03
Financial
Equity above €200kEq €278k ▲46.4%
6 profitable years in a row build equity to €278k.
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Equity above €150kEq €190k ▲38.5%
5 profitable years in a row build equity to €190k.
2022
28-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Equity above €100kEq €137k ▲37.4%
4 profitable years in a row build equity to €137k.
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
20-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial
Weakest financial yearnet €17k ▼32.3%
Net result drops to €17k, the lowest in the series; recovery starts the following year.
2019
11-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Dilsen-Stokkem · 1 establishment unit since 2017
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.
Pastoorstraat 313650 Dilsen-StokkemGround area
2,068 m²
Building footprint
166 m²
Volume, LiDAR
431 m³
Parcel 72032A0070/00E000, Flanders · tallest building 9.7 m. Linked by address, not a title deed.
1 establishment unit
R&R CLERKX BVBA
since 20172.265.876.547
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72032A0070/00E000 | Flanders | 2,068 m² | 1 · 166 m² | 9.7 m |
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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 5 entries · 1,857 EUR awarded · 1,857 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 128 EUR | 128 EUR |
| 2024 | 1 | 1,000 EUR | 1,000 EUR |
| 2023 | 2 | 564 EUR | 564 EUR |
| 2022 | 1 | 165 EUR | 165 EUR |
Schemes
Premie kwalificerend werkplekleren
Stagebonus (stopgezet)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Dual-learning approval
5 live approvals · 1 endedElektrische installaties duaal (so)
Elektrotechnicus (vwo)
Elektrotechnicus duaal (so)
Elektrotechnisch installateur (vwo)
Installateur elektrotechnische basiscomponenten duaal (so)
Show 1 ended approval
Installateur gebouwenautomatisering duaal (so)
Similar companies · same sector, comparable size
ARTEC
BE 0429.555.392
Etterbeek · Eq €352,533
ELECTRICAL INSTALLATIONWORKS VERSTRAETE
BE 0466.979.279
Deinze · Eq €352,757
C.B.T.
BE 0840.610.017
Beringen · Eq €352,284
ELEKTRO ANDRE GEVAERT
BE 0428.862.140
Roeselare · Eq €352,190
BELIGHT
BE 0807.623.681
Kortrijk · Eq €353,126
Of 22,821 companies in sector 43211 we hold annual accounts for 10,326. 7,277 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-06-2017
Fiscal year end31-03
Activities, NACEBEL 2025
43211General electrical installation work
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.