C.L.V.
ActiveSummary
C.L.V. has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €554,993 and a net result of -€29,843. Equity is growing by ~3.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 18973 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability62▲+21
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40,000 at 30 days acceptable
Liquidity ample (current ratio 55.46 against 24.19 in 2024; short-term debt: 1.3% and cash: 10.1% of total assets), and 1.3% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
98.7%
Return on assets
-5.3%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 28-04-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
5 d late
2023
8 d early
2022
17 d early
2021
26 d early
2020
11 d early
2019
on the day
← 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 8 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 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 23 April (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 close01-10-2026 today30-04-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€554,993▼ 5.1%
2024 · €584,835
Total assets
€562,356▼ 13.5%
2024 · €649,994
Net result
-€29,843
2024 · €9,487
Working capital
€399,747▼ 9.2%
2024 · €440,252
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€223,295▲ 193%-€34,229-€33,313▲ 2.7%-€29,287▲ 12.1%-€29,229▲ 0.2%
Net result€95,237within the sector's middle half▲ 43.1%€5,774within the sector's middle half▼ 93.9%€7,425within the sector's middle half▲ 28.6%€9,487within the sector's middle half▲ 27.8%-€29,843below the sector's middle half
Equity€562,150within the sector's middle half▲ 20.4%€567,924within the sector's middle half▲ 1.0%€575,348within the sector's middle half▲ 1.3%€584,835within the sector's middle half▲ 1.6%€554,993above the sector's middle half▼ 5.1%
Total assets€926,215within the sector's middle half▲ 31.9%€839,912within the sector's middle half▼ 9.3%€770,886within the sector's middle half▼ 8.2%€649,994within the sector's middle half▼ 15.7%€562,356above the sector's middle half▼ 13.5%
Debt€364,065▲ 54.6%€271,988▼ 25.3%€195,537▼ 28.1%€65,158▼ 66.7%€7,363▼ 88.7%
Working capital€638,781above the sector's middle half▲ 231%€584,482above the sector's middle half▼ 8.5%€514,378above the sector's middle half▼ 12.0%€440,252within the sector's middle half▼ 14.4%€399,747above the sector's middle half▼ 9.2%
Solvency60.7%above the sector's middle half▼ 5.8pp67.6%above the sector's middle half▲ 6.9pp74.6%above the sector's middle half▲ 7.0pp90.0%above the sector's middle half▲ 15.3pp98.7%above the sector's middle half▲ 8.7pp
Current ratio22.70above the sector's middle half▲ 17.4220.44above the sector's middle half▼ 2.2617.21above the sector's middle half▼ 3.2324.19above the sector's middle half▲ 6.9855.46above the sector's middle half▲ 31.27
Return on assets (ROA)10.3%within the sector's middle half▲ 0.8pp0.7%below the sector's middle half▼ 9.6pp1.0%within the sector's middle half▲ 0.3pp1.5%within the sector's middle half▲ 0.5pp-5.3%below the sector's middle half▼ 6.8pp
Staff (FTE)0below the sector's middle half0below the sector's middle half
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €29,229 in 2025 against €29,287 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €562,356
Fixed assets
€155,268 ▼ 18.6%
Current assets
€407,088 ▼ 11.4%
Equity and liabilities €562,356
Equity
€554,993 ▼ 5.1%
Debt
€7,363 ▼ 88.7%
Debt's share of the balance-sheet total falls from 10.0% to 1.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€6,212▼
2024 · €6,745
Cash flow
€5,598▼
2024 · €45,518
Quick ratio
16.58▲
2024 · 6.67
Debt to equity
0.01▼
2024 · 0.11
ROE
-5.4%▼
2024 · 1.6%
Interest coverage
9.34▲
2024 · -0.16
Debt ≤ 1 year
€7,341▼
2024 · €18,983
Debt > 1 year
€0▼
2024 · €46,176
Income taxes
€0▼
2024 · €4,465
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 8,612 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 94% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a small loss
0.4%
went bankrupt
5.1%
stopped otherwise
94%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 8,612 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €499,841 | - | €7,545 | €0 | €1,000 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €30,498 | €32,634 | €33,220 | €36,031 | €35,441 | ▼ 1.6% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €3,149 | - |
| Other operating charges640/8 | €8,824 | €3,751 | €4,153 | €4,339 | €5,747 | ▲ 32.5% |
| Non-recurring operating charges66A | €236,000 | - | - | - | - | - |
| Gross operating margin9900 | €498,617 | €2,157 | €4,060 | €11,083 | €15,108 | ▲ 36.3% |
| Operating profit (loss)9901 | €223,295 | -€34,229 | -€33,313 | -€29,287 | -€29,229 | ▲ 0.2% |
| Financial income75/76B | €419 | €2,477 | €2,611 | €56 | €52 | ▼ 7.9% |
| Recurring financial income75 | €419 | €2,477 | €2,611 | €56 | €52 | ▼ 7.9% |
| Financial charges65/66B | €3,920 | -€40,505 | -€41,849 | -€43,182 | €665 | ▲ 102% |
| Recurring financial charges65 | €3,920 | -€40,505 | -€41,849 | -€43,182 | €665 | ▲ 102% |
| Profit (loss) for the period before taxes9903 | €219,794 | €8,753 | €11,147 | €13,952 | -€29,843 | ▼ 314% |
| Income taxes67/77 | €124,557 | €2,979 | €3,722 | €4,465 | €0 | ▼ 100% |
| Profit (loss) for the period9904 | €95,237 | €5,774 | €7,425 | €9,487 | -€29,843 | ▼ 415% |
| Profit (loss) for the period to be appropriated9905 | €95,237 | €5,774 | €7,425 | €9,487 | -€29,843 | ▼ 415% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €926,215 | €839,912 | €770,886 | €649,994 | €562,356 | ▼ 13.5% |
| Fixed assets21/28 | €258,002 | €225,368 | €224,777 | €190,758 | €155,268 | ▼ 18.6% |
| Tangible fixed assets22/27 | €257,952 | €225,318 | €224,727 | €190,709 | €155,268 | ▼ 18.6% |
| Land and buildings22 | €225,074 | €201,286 | €178,526 | €155,767 | €133,531 | ▼ 14.3% |
| Plant, machinery and equipment23 | €1,469 | €1,059 | €729 | €399 | €69 | ▼ 82.6% |
| Furniture and vehicles24 | €30,170 | €21,876 | €44,442 | €33,556 | €20,723 | ▼ 38.2% |
| Other tangible fixed assets26 | €1,239 | €1,097 | €1,030 | €987 | €945 | ▼ 4.3% |
| Financial fixed assets28 | €50 | €50 | €50 | €50 | €0 | ▼ 100% |
| Current assets29/58 | €668,213 | €614,544 | €546,109 | €459,235 | €407,088 | ▼ 11.4% |
| Amounts receivable after more than one year29 | - | €9,336 | €16,317 | €29,818 | €29,818 | = |
| Other amounts receivable291 | - | €9,336 | €16,317 | €29,818 | €29,818 | = |
| Stocks and contracts in progress3 | €227,898 | €269,949 | €341,205 | €332,658 | €285,357 | ▼ 14.2% |
| Stocks30/36 | €227,898 | €269,949 | €341,205 | €332,658 | €285,357 | ▼ 14.2% |
| Amounts receivable within one year40/41 | €45,922 | €38,771 | €35,337 | €29,237 | €30,747 | ▲ 5.2% |
| Trade receivables40 | €37,928 | €34,361 | €35,079 | €29,237 | €29,447 | ▲ 0.7% |
| Other amounts receivable41 | €7,994 | €4,410 | €258 | €0 | €1,300 | - |
| Cash at bank and in hand54/58 | €392,235 | €294,692 | €150,808 | €63,339 | €57,057 | ▼ 9.9% |
| Deferred charges and accrued income490/1 | €2,158 | €1,796 | €2,442 | €4,184 | €4,108 | ▼ 1.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €926,215 | €839,912 | €770,886 | €649,994 | €562,356 | ▼ 13.5% |
| Equity10/15 | €562,150 | €567,924 | €575,348 | €584,835 | €554,993 | ▼ 5.1% |
| Contributions10/11 | €61,500 | €61,500 | €61,500 | €61,500 | €61,500 | = |
| Capital10 | €61,500 | €61,500 | €61,500 | €61,500 | €61,500 | = |
| Issued capital100 | €61,500 | €61,500 | €61,500 | €61,500 | €61,500 | = |
| Reserves13 | €500,650 | €506,424 | €513,848 | €523,335 | €493,493 | ▼ 5.7% |
| Non-distributable reserves130/1 | €6,150 | €6,150 | €6,150 | €6,150 | €6,150 | = |
| Legal reserve130 | €6,150 | €6,150 | €6,150 | €6,150 | €6,150 | = |
| Distributable reserves133 | €494,500 | €500,274 | €507,698 | €517,185 | €487,343 | ▼ 5.8% |
| Amounts payable17/49 | €364,065 | €271,988 | €195,537 | €65,158 | €7,363 | ▼ 88.7% |
| Amounts payable after more than one year17 | €334,633 | €241,316 | €162,159 | €46,176 | €0 | ▼ 100% |
| Financial debts170/4 | €250,543 | €157,226 | €82,740 | €3,690 | €0 | ▼ 100% |
| Other amounts payable178/9 | €84,090 | €84,090 | €79,420 | €42,486 | €0 | ▼ 100% |
| Amounts payable within one year42/48 | €29,432 | €30,062 | €31,732 | €18,983 | €7,341 | ▼ 61.3% |
| Current portion of amounts payable after more than one year42 | €19,481 | €18,317 | €26,770 | €12,329 | €3,690 | ▼ 70.1% |
| Financial debts43 | - | - | - | - | €844 | - |
| Credit institutions430/8 | - | - | - | - | €844 | - |
| Trade debts44 | €6,178 | €4,197 | €1,239 | €4,425 | €1,353 | ▼ 69.4% |
| Suppliers440/4 | €6,178 | €4,197 | €1,239 | €4,425 | €1,353 | ▼ 69.4% |
| Taxes, remuneration and social security45 | - | €2,979 | €3,722 | €2,229 | €1,454 | ▼ 34.8% |
| Taxes450/3 | - | €2,979 | €3,722 | €2,229 | €1,454 | ▼ 34.8% |
| Other amounts payable47/48 | €3,774 | €4,569 | €0 | - | - | - |
| Accrued charges and deferred income492/3 | - | €610 | €1,647 | €0 | €23 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €95,237 | €5,774 | €7,425 | €9,487 | -€29,843 | ▼ 415% |
| + Depreciation and write-downs630 | €30,498 | €32,634 | €33,220 | €36,031 | €35,441 | ▼ 1.6% |
| Operating cash flow (approximation) | €125,734 | €38,408 | €40,644 | €45,518 | €5,598 | ▼ 87.7% |
| Investment in fixed assets (approximation) | - | €0 | -€32,628 | -€2,013 | €50 | ▲ 102% |
| Change in cash | - | -€97,543 | -€143,884 | -€87,469 | -€6,282 | ▲ 92.8% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Liquidity doublescurrent ratio 55.46
Current ratio from 24.19 to 55.46; short-term debt falls from €18,983 to €7,341.
05-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 5 days late
2024
22-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
13-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
04-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Highest result since 2019net €95,237 ▲43.1%
Operating result €223,295, net result €95,237, both a record.
30-09
Financial
Liquidity quadruplescurrent ratio 22.70
Current ratio from 5.28 to 22.70; short-term debt falls from €44,995 to €29,432.
30-09
Financial
Equity above €500,000Eq €562,150 ▲20.4%
2 profitable years in a row build equity to €562,150.
19-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial
Back to profitnet €66,557
Net result €66,557 after one loss-making year.
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Show earlier events
2019
25-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
21-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
23-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 0 of 6 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Kalmthout · 1 establishment unit since 1992
Ground area
1.8 ha
Building footprint
4,969 m²
Volume, LiDAR
27,238 m³
2 parcels, Flanders · tallest building 16.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Herman Verboven
since 19922.058.781.943
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11023K0007/00H033 | Flanders | 1.7 ha | 1 · 4,860 m² | 16.5 m · 2 fl. |
| 11662A0113/00V000 | Flanders | 862 m² | 1 · 108 m² | 7.7 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 1,124 companies in this sector we hold annual accounts for 466. 341 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPublic limited company
Founded06-04-1992
Fiscal year end30-09
Activities, NACEBEL 2025
47830Retail sale of motorcycles and motorcycle parts and accessories
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
95312Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
95319Other maintenance and repair of motor vehicles
95314Bodywork repair (including spraying and painting)
E-invoicing
Reachable via Peppol
Peppol ID
0208:0447160102
Also
9925:BE0447160102
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.