Investments
€23,995 3.6 × depreciation
Green is investment, beige is depreciation.
CLOSSET & PARTNER
Lifetime
3 annual accounts with figures on one time axispeak €10,679 (2025)
€10,679▲ 329%
lowest -€2,051 (2024)
€700▲ €2,751
peak €10,702 (2023)
€9,351▲ 8.1%
€16,919▲ 245%
Board2 names since 2022
2 directorsAGOUME Harmelle Laure and 1 other
Documentsfilings and deeds
30-09-202661 days late
2025micro format
Gross margin from €2,492 to €10,679Back to profit: €700Debts from €4,901 to €16,919Investments €24,194
Key points
from the 2025 annual accountsChecked score
38
Weak
Financially stronger than 57% of micro companies without a NACE code
Probability in this band: 4.2% to 15.0%
Bankruptcy probability within 12 months
5.8% Elevated
0%0.5%1.5%4%10%≥ 25%
About 6 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.6%
01-2025: 2.6%● unchanged vs 12-2024
02-2025: 2.6%● unchanged vs 01-2025
03-2025: 2.8%▲ +0.2 percentage points vs 02-2025
04-2025: 2.9%▲ +0.1 percentage points vs 03-2025
05-2025: 2.9%● unchanged vs 04-2025
06-2025: 2.9%● unchanged vs 05-2025
07-2025: 3.0%▲ +0.1 percentage points vs 06-2025
08-2025: 4.2%▲ +1.2 percentage points vs 07-2025
09-2025: 4.5%▲ +0.3 percentage points vs 08-2025
10-2025: 2.0%▼ -2.5 percentage points vs 09-2025
11-2025: 2.0%● unchanged vs 10-2025
12-2025: 2.0%● unchanged vs 11-2025
01-2026: 2.0%● unchanged vs 12-2025lowest value
02-2026: 2.0%● unchanged vs 01-2026
03-2026: 2.2%▲ +0.2 percentage points vs 02-2026
04-2026: 2.2%● unchanged vs 03-2026
05-2026: 2.2%● unchanged vs 04-2026
06-2026: 2.3%▲ +0.1 percentage points vs 05-2026
07-2026: 2.4%▲ +0.1 percentage points vs 06-2026
08-2026: 3.3%▲ +0.9 percentage points vs 07-2026
09-2026: 3.7%▲ +0.4 percentage points vs 08-2026
10-2026: 5.8%▲ +2.1 percentage points vs 09-2026highest value
11-2026: 5.8%● unchanged vs 10-2026highest value
Financial strengthStrong
Score breakdown
raises risk
No main activity registered
Last filed accounts filed 61 days late; 3 of the last 3 accounts late
Founded in 2022
lowers risk
Size: total assets €26,270
Calculation
The band follows from the bankruptcy probability. 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 (no NACE code, micro). It does better than 36% of them on solvency, 76% on liquidity, 52% on profitability and 65% on growth.
The bankruptcy probability was computed on 08-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the elevated class on 30-06-2025, 6.3% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 2,546 companies had the same profile as CLOSSET & PARTNER has now. Each dot stands for 7 companies, two years later.
94.2%
were still trading
3.2%
stopped another way
2.3%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of CLOSSET & PARTNER itself is higher: 5.8% within 12 months. It rests on far more data about CLOSSET & PARTNER than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,546 companies, not a prediction for CLOSSET & PARTNER. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No publishable credit limit, so credit only on tighter terms
Liquidity is insufficient, with a current ratio of 0.51 (1.56 in 2024), below 1. Short-term debt is 22.8% of total assets. 64.4% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 61 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 61 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 3 filingsDeviation from the deadline
2025
61 days late
2024
61 days late
2023
61 days late
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 3 accounts on average 61 days after the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 30 September (3 of the last 3 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- CLOSSET Thierry Monique Louis Ghislain 120 sharesdeed of 05-07-2022
- AGOUME Harmelle Laure 80 sharesdeed of 05-07-2022
Recent changes
Incorporation
Founders: CLOSSET Thierry Monique Louis Ghislain (shareholder and founder) and AGOUME Harmelle Laure (shareholder and founder) · 200 shares · Appointments: CLOSSET Thierry Monique Louis Ghislain (director) and AGOUME Harmelle Laure (director) · published on 05-07-2022 · Gazette deed
First establishment
Rue des Croisiers 7, Huy
Official details
Source: KBO- Status
- Active since 01-07-2022Normal situation
- Activity
- “Toutes opérations immobilières quelconques,notamment l'aliénation(achat,vente,cession),la réalisation,la conception,les études,la coordination,l'expertise,l'expropriation,la gestion sous toutes formes quelconques,l'échange,la…” (deed in French)From the articles, 15 activitiesNo NACE code in the KBO yet
- Establishment unit
- 2.336.313.6904500 Huy, since 01-07-2022
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Insights on CLOSSET & PARTNER
CLOSSET & PARTNER files the micro format. That format states no turnover. The gross margin rose from €4,498 in 2023 to €10,679 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about CLOSSET & PARTNER
- What is the company number of CLOSSET & PARTNER?
- The company number of CLOSSET & PARTNER is 0787.912.192. The VAT number is the same number with BE in front: BE 0787.912.192.
- Where is CLOSSET & PARTNER based?
- The registered office is at Rue des Croisiers 7, 4500 Huy.Company details
- What is the legal form of CLOSSET & PARTNER?
- CLOSSET & PARTNER is a private limited company (BV).
- When was CLOSSET & PARTNER founded?
- CLOSSET & PARTNER was founded on 01-07-2022.
- Is CLOSSET & PARTNER still active?
- Yes, CLOSSET & PARTNER is an active enterprise in the KBO register.
- What is the turnover of CLOSSET & PARTNER?
- The turnover in financial year 2025 is ≈ €81,000. This figure is estimated from the gross margin of €10,679 and 6,297 comparable companies of the same size. It probably lies between €37,000 and €190,000. It is a rough estimate.Financials
- Is CLOSSET & PARTNER profitable?
- In financial year 2025, CLOSSET & PARTNER made a profit of €700.
- Where can I find the annual accounts of CLOSSET & PARTNER?
- CLOSSET & PARTNER filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CLOSSET & PARTNER due?
- CLOSSET & PARTNER must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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