C-LOCK
ActiveSummary
C-LOCK has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €16k and a net result of €3k. Equity is growing by ~22% per year across the filed fiscal years. Its solvency ranks better than 81% of 11389 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability71▼-29
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 4.98 against 8.07 in 2024; short-term debt: 20.1% and cash: 36.3% of total assets), and 20.1% of the assets are financed with debt.
Credit check 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 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% 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
79.9%
Return on assets
13.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-08-2026, 6 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 9 filingsDeviation from the deadline
2025
6 d late
2024
21 d late
2023
9 d early
2022
4 d early
2021
23 d late
2020
31 d late
2019
28 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€16k▲ 20.1%
2024 · €14k
2018: €961lowest in 8 years
2019: €12k▲ +1139% vs 2018
2020: €5k▼ -56.4% vs 2019
2021: €8k▲ +53.3% vs 2020
2022: €10k▲ +28.7% vs 2021
2023: €9k▼ -13.2% vs 2022
2024: €14k▲ +53.4% vs 2023
2025: €16k▲ +20.1% vs 2024highest in 8 years
2018 → 2025
Total assets
€20k▲ 31.7%
2024 · €16k
2018: €9k
2019: €19k▲ +116% vs 2018
2020: €7k▼ -60.6% vs 2019lowest in 8 years
2021: €17k▲ +126% vs 2020
2022: €12k▼ -27.8% vs 2021
2023: €16k▲ +31.6% vs 2022
2024: €16k▼ -3.1% vs 2023
2025: €20k▲ +31.7% vs 2024highest in 8 years
2018 → 2025
Net result
€3k▼ 42.2%
2024 · €5k
2018: €-11klowest in 8 years
2019: €11k▲ +198% vs 2018highest in 8 years
2020: €-7k▼ -161% vs 2019
2021: €3k▲ +141% vs 2020
2022: €2k▼ -17.3% vs 2021
2023: €-1k▼ -159% vs 2022
2024: €5k▲ +450% vs 2023
2025: €3k▼ -42.2% vs 2024
2018 → 2025
Working capital
€16k▲ 20.1%
2024 · €14k
2018: €-727lowest in 8 years
2019: €12k▲ +1738% vs 2018
2020: €5k▼ -56.4% vs 2019
2021: €8k▲ +53.3% vs 2020
2022: €10k▲ +28.7% vs 2021
2023: €9k▼ -13.2% vs 2022
2024: €14k▲ +53.4% vs 2023
2025: €16k▲ +20.1% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€8k-€10k▲ 28.7%€9k▼ 13.2%€14k▲ 53.4%€16k▲ 20.1%
2021: €8klowest in 5 years
2022: €10k▲ +28.7% vs 2021
2023: €9k▼ -13.2% vs 2022
2024: €14k▲ +53.4% vs 2023
2025: €16k▲ +20.1% vs 2024highest in 5 years
Operating result€3k-€2k▼ 20.0%€-1k€5k€3k▼ 31.9%
2021: €3k
2022: €2k▼ -20.0% vs 2021
2023: €-1k▼ -151% vs 2022lowest in 5 years
2024: €5k▲ +493% vs 2023highest in 5 years
2025: €3k▼ -31.9% vs 2024
Net result€3k-€2k▼ 17.3%€-1k€5k€3k▼ 42.2%
2021: €3k
2022: €2k▼ -17.3% vs 2021
2023: €-1k▼ -159% vs 2022lowest in 5 years
2024: €5k▲ +450% vs 2023highest in 5 years
2025: €3k▼ -42.2% vs 2024
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 32% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €20k
Equity
€16k ▲ 20.1%
Debt
€4k ▲ 113%
Debt's share of the balance-sheet total rises from 12.4% to 20.1%. Equity and debt are higher.
Key figures and ratios
Current ratio
4.98▼
2024 · 8.07
Debt to equity
0.25▲
2024 · 0.14
ROE
16.7%▼
2024 · 34.8%
ROA
13.4%▼
2024 · 30.5%
Debt ≤ 1 year
€4k▲
2024 · €2k
Income taxes
€446
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 · 33 lines
Balance sheet
Code20242025
Assets
Total assets20/58€16k€20k▲
Current assets29/58€16k€20k▲
Amounts receivable within one year40/41€15k€13k▼
Trade receivables40€10k€6k▼
Other amounts receivable41€5k€7k▲
Cash at bank and in hand54/58€87€7k▲
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€16k€20k▲
Equity10/15€14k€16k▲
Contributions10/11€12k€12k=
Reserves13€1k€4k▲
Distributable reserves133€1k€4k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€2k€4k▲
Amounts payable within one year42/48€2k€4k▲
Trade debts44€1k€720▼
Suppliers440/4€1k€720▼
Taxes, remuneration and social security45€829€3k▲
Taxes450/3€829€3k▲
Other amounts payable47/48€0-
Income statement
Code20242025
Other operating charges640/8€387€55▼
Gross operating margin9900€5k€3k▼
Operating profit (loss)9901€5k€3k▼
Financial charges65/66B€161€156▼
Recurring financial charges65€161€156▼
Profit (loss) for the period before taxes9903€5k€3k▼
Income taxes67/77-€446
Profit (loss) for the period9904€5k€3k▼
Profit (loss) for the period to be appropriated9905€5k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1k€3k▲
Profit (loss) brought forward from the previous period14P€-4k€0▲
Transfer to equity691/2€1k€3k▲
To other reserves6921€1k€3k▲
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €248 | - | - | - | - |
| Other operating charges640/8 | €275 | €48 | €890 | €387 | €55 | ▼ 85.8% |
| Gross operating margin9900 | €3k | €3k | €-359 | €5k | €3k | ▼ 35.8% |
| Operating profit (loss)9901 | €3k | €2k | €-1k | €5k | €3k | ▼ 31.9% |
| Financial charges65/66B | €190 | €172 | €105 | €161 | €156 | ▼ 3.3% |
| Recurring financial charges65 | €190 | €172 | €105 | €161 | €156 | ▼ 3.3% |
| Profit (loss) for the period before taxes9903 | €3k | €2k | €-1k | €5k | €3k | ▼ 32.8% |
| Income taxes67/77 | €117 | - | - | - | €446 | - |
| Profit (loss) for the period9904 | €3k | €2k | €-1k | €5k | €3k | ▼ 42.2% |
| Profit (loss) for the period to be appropriated9905 | €3k | €2k | €-1k | €5k | €3k | ▼ 42.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €17k | €12k | €16k | €16k | €20k | ▲ 31.7% |
| Current assets29/58 | €17k | €12k | €16k | €16k | €20k | ▲ 31.7% |
| Amounts receivable within one year40/41 | €15k | €8k | €10k | €15k | €13k | ▼ 15.6% |
| Trade receivables40 | €15k | €5k | €10k | €10k | €6k | ▼ 40.4% |
| Other amounts receivable41 | - | €3k | - | €5k | €7k | ▲ 30.5% |
| Cash at bank and in hand54/58 | €2k | €4k | €3k | €87 | €7k | ▲ 8,404% |
| Deferred charges and accrued income490/1 | €39 | - | €3k | €0 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €17k | €12k | €16k | €16k | €20k | ▲ 31.7% |
| Equity10/15 | €8k | €10k | €9k | €14k | €16k | ▲ 20.1% |
| Contributions10/11 | €12k | €12k | €12k | €12k | €12k | = |
| Capital10 | €12k | - | - | - | - | - |
| Issued capital100 | €19k | - | - | - | - | - |
| Uncalled capital101 | €6k | - | - | - | - | - |
| Reserves13 | - | - | - | €1k | €4k | ▲ 222% |
| Distributable reserves133 | - | - | - | €1k | €4k | ▲ 222% |
| Profit (loss) carried forward14 | €-4k | €-2k | €-4k | €0 | - | - |
| Amounts payable17/49 | €9k | €2k | €7k | €2k | €4k | ▲ 113% |
| Amounts payable within one year42/48 | €9k | €2k | €7k | €2k | €4k | ▲ 113% |
| Trade debts44 | €3k | €1k | €5k | €1k | €720 | ▼ 34.4% |
| Suppliers440/4 | €3k | €1k | €5k | €1k | €720 | ▼ 34.4% |
| Taxes, remuneration and social security45 | €2k | €909 | €802 | €829 | €3k | ▲ 309% |
| Taxes450/3 | €2k | €909 | €802 | €829 | €3k | ▲ 309% |
| Other amounts payable47/48 | €3k | - | €2k | €0 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3k | €2k | €-1k | €5k | €3k | ▼ 42.2% |
| Operating cash flow (approximation) | €3k | €2k | €-1k | €5k | €3k | ▼ 42.2% |
| Change in cash | - | €2k | €-1k | €-3k | €7k | ▲ 348% |
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
06-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 6 days late
2025
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 8.07
Current ratio from 2.24 to 8.07; short-term debt falls from €7k to €2k.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity triplescurrent ratio 6.22
Current ratio from 1.89 to 6.22; short-term debt falls from €9k to €2k.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
Show earlier events
31-12
Financial
Liquidity triplescurrent ratio 2.67
Current ratio from 0.91 to 2.67; short-term debt falls from €8k to €7k.
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 20 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
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, Leuven · 1 establishment unit since 2016
Ground area
444 m²
Building footprint
92 m²
Volume, LiDAR
635 m³
Parcel 24434F0046/00N010, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Kerspelstraat 18, 3001 Leuven
since 20162.258.219.188
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24434F0046/00N010 | Flanders | 444 m² | 1 · 91 m² | 10.2 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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
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NEONSPLASH
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PEGASUS
BE 1032.263.013
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Of 6,155 companies in sector 46190 we hold annual accounts for 2,571. 1,574 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded03-11-2016
Fiscal year end31-12
Activities, NACEBEL 2025
46190Agents in non-specialised wholesale trade
Scores and ratios are computed by Checked and are not a credit decision.