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C.L.H.

Active
Private limited companyfounded 199531 yrs activeAwan-Centre 16, 4920 Aywaille, BelgiumKBO/BCE: BE 0456.474.377
Summary

C.L.H. has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €115,547 and a net result of -€20,728. Equity is growing by ~20.4% per year across the filed fiscal years. Its solvency ranks better than 50% of 21938 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).

Risk analysisWatch ReportCompare
C.L.H.ActiveChecked score 66/100
Risk analysis ReportCompare

Overview

Activity
Retail sale of cars and light vans (up to 3.5 tonnes)
NACE 47811NACE 45113
2 sites
Size
€337,940total assets 2025
Equity
€115,547
Loss
-€20,728
Turnover not published (abridged schema)
Financial health
66 Healthy Checked score 2025
Bankruptcy chance 12 m
0.9%
Structure
Accounts 60 d early0 of 2 deeds read
Why 66- Liquidity: current ratio 1.04, cash €4, halved- Loss of €20,728, the second in a row (FY 2025)- Sector Retail trade (NACE 47)+ Founded in 1995Show the evidence

Checked score

Score 2025
66 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 29% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 59-3
equity 34.2% of total assets
Liquidity 28-22
short-term debt 44.4% · cash 0.0%
Profitability 11+9
return on assets -6.1%
Bankruptcy probability, 12 months
0.9% Low
0%0.5%1.5%4%10%≥ 25%

About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (39,974 companies)
Last 24 months 11-2024: 2.4% 12-2024: 2.4%● 0.0% vs 11-2024 01-2025: 2.4%● 0.0% vs 12-2024 02-2025: 2.4%● 0.0% vs 01-2025 03-2025: 2.3%▼ -2.1% vs 02-2025 04-2025: 2.4%▲ +2.8% vs 03-2025 05-2025: 2.7%▲ +15.4% vs 04-2025highest value 06-2025: 1.3%▼ -52.9% vs 05-2025 07-2025: 1.3%● 0.0% vs 06-2025 08-2025: 1.3%● 0.0% vs 07-2025 09-2025: 1.3%● 0.0% vs 08-2025 10-2025: 1.3%● 0.0% vs 09-2025 11-2025: 1.3%● 0.0% vs 10-2025 12-2025: 1.3%● 0.0% vs 11-2025 01-2026: 1.3%● 0.0% vs 12-2025 02-2026: 1.3%● 0.0% vs 01-2026 03-2026: 1.3%● 0.0% vs 02-2026 04-2026: 1.4%▲ +10.0% vs 03-2026 05-2026: 1.5%▲ +2.7% vs 04-2026 06-2026: 1.4%▼ -3.5% vs 05-2026 07-2026: 1.8%▲ +28.6% vs 06-2026 08-2026: 1.8%● 0.0% vs 07-2026 09-2026: 1.8%● 0.0% vs 08-2026 10-2026: 0.9%▼ -51.1% vs 09-2026lowest value
  • Founded in 1995 lowers the probability for this profile
  • Liquidity: current ratio 1.04, cash €4, halved raises the probability
  • Loss of €20,728, the second in a row (FY 2025) raises the probability
  • Sector Retail trade (NACE 47) raises the probability
Credit up to €7,000 at 30 days acceptable
Liquidity tight (current ratio 1.04 against 1.32 in 2024; short-term debt: 44.4% and cash: 0% of total assets), and 65.8% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 49%, liquidity 26%, profitability 17%, growth against the median 22%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Founded in 1995
In the bankruptcy model this factor lowers the probability for this profile.
KBO
raises risk · Liquidity: current ratio 1.04, cash €4, halved
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Loss of €20,728, the second in a row (FY 2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Sector Retail trade (NACE 47)
In the bankruptcy model this factor raises the probability.
KBO
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
1819202122232425
2018 to 2025 · latest year -€20,728
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 01-06-2026, 60 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
60 d early
2024
76 d early
2023
78 d early
2022
83 d early
2021
74 d early
2020
68 d early
2019
31 d 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 67 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 16 May (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
04-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Weakest financial yearnet -€49,836

Key points

  • Caution: Among the weakest 10% on net resultsector median €5,059 · 21,916 companies -€20,728 View
  • Positive: Always filed on timeaccounts within the deadline every year 8 years View
  • Caution: 2 loss-making years in a rowloss fiscal year 2025 -€20,728 View

By topic

Financials

Fiscal year
2025
Total assets
€337,940
Loss
-€20,728
Solvency
34.2%
Total assets▼ 8.1%
Net result
20182025
Go to Financials

Timeline

Events
15
Since
2017
Next accounts
by 31-07-2027
  1. 01-06-2026Annual accounts filed
  2. 16-05-2025Annual accounts filed
  3. 31-12-2024Weakest financial year
Go to Timeline

Company details

Sites
2
Legal form
Private limited company
Activity
Retail sale of cars and light vans (up…NACE 47811
Founded
01-07-1995
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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