CAROLINE CLIJMANS
ActiveSummary
CAROLINE CLIJMANS has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €47k and a net result of €15k. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 45% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▼-11
Solvency77▲+3
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity tight (current ratio 1.45 against 1.36 in 2024; short-term debt: 48% and cash: 29.2% of total assets), and 48% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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
52%
Return on assets
16.2%
Age of the figures
9 mo
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 18-07-2026, 13 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
13 d early
2024
1 d late
2023
16 d early
2022
28 d late
2021
12 d late
2020
38 d early
2019
29 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€47k▼ 25.6%
2024 · €63k
2018: €30k
2019: €54k
2020: €62k
2021: €63k
2022: €63k
2023: €63k
2024: €63k
2018 → 2025
Total assets
€91k▼ 30.5%
2024 · €130k
2018: €116k
2019: €116k
2020: €127k
2021: €105k
2022: €122k
2023: €104k
2024: €130k
2018 → 2025
Net result
€15k▼ 68.4%
2024 · €46k
2018: €16k
2019: €38k
2020: €38k
2021: €25k
2022: €47k
2023: €31k
2024: €46k
2018 → 2025
Working capital
€20k▼ 17.4%
2024 · €24k
2018: €-32k
2019: €-11k
2020: €-7k
2021: €-2k
2022: €11k
2023: €21k
2024: €24k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€63k-€63k=€63k=€63k=€47k▼ 25.6%
Operating result€33k-€62k▲ 89.5%€42k▼ 33.0%€65k▲ 55.3%€23k▼ 65.2%
Net result€25k-€47k▲ 92.7%€31k▼ 33.7%€46k▲ 47.7%€15k▼ 68.4%
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 65% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €91k
Fixed assets
€27k ▼ 30.5%
Current assets
€63k ▼ 30.5%
Equity and liabilities €91k
Equity
€47k ▼ 25.6%
Debt
€43k ▼ 35.1%
Debt's share of the balance-sheet total falls from 51.5% to 48.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€40k▼
2024 · €81k
Cash flow
€32k▼
2024 · €63k
Current ratio
1.45▲
2024 · 1.36
Debt to equity
0.92▼
2024 · 1.06
ROE
31.2%▼
2024 · 73.5%
ROA
16.2%▼
2024 · 35.7%
Interest coverage
26.41▼
2024 · 124.12
Debt ≤ 1 year
€43k▼
2024 · €67k
Income taxes
€7k▼
2024 · €18k
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€130k€91k▼
Fixed assets21/28€39k€27k▼
Intangible fixed assets21€24k€12k▼
Tangible fixed assets22/27€15k€15k=
Furniture and vehicles24€15k€15k=
Current assets29/58€91k€63k▼
Amounts receivable after more than one year29€10k€10k=
Other amounts receivable291€10k€10k=
Amounts receivable within one year40/41€25k€25k▲
Trade receivables40€22k€20k▼
Other amounts receivable41€2k€5k▲
Cash at bank and in hand54/58€55k€26k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€130k€91k▼
Equity10/15€63k€47k▼
Contributions10/11€19k€19k=
Reserves13€45k€28k▼
Non-distributable reserves130/1€2k€2k▼
Reserves not available under the articles1311€2k€2k▼
Distributable reserves133€43k€27k▼
Amounts payable17/49€67k€43k▼
Amounts payable within one year42/48€67k€43k▼
Trade debts44€1k€3k▲
Suppliers440/4€1k€3k▲
Taxes, remuneration and social security45€15k€6k▼
Taxes450/3€15k€6k▼
Other amounts payable47/48€51k€34k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€17k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€82k€41k▼
Operating profit (loss)9901€65k€23k▼
Financial income75/76B€4€160▲
Recurring financial income75€4€160▲
Financial charges65/66B€653€2k▲
Recurring financial charges65€653€2k▲
Profit (loss) for the period before taxes9903€64k€21k▼
Income taxes67/77€18k€7k▼
Profit (loss) for the period9904€46k€15k▼
Profit (loss) for the period to be appropriated9905€46k€15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€46k€15k▼
Transfer from equity791/2-€16k
Profit to be distributed694/7€46k€31k▼
Return on contributions (dividend)694€46k€31k▼
The notes to these accounts (8 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
2026
18-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €15k ▼68.4%
Net result drops to €15k, the lowest in the series.
01-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 1 day late
2024
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Highest result since 2018net €47k ▲92.7%
Net result €47k, the highest in the series.
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 12 days late
2021
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · 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, Schilde · 2 establishment units since 2016
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.
Schaliënhoefdreef 22970 SchildeGround area
3,177 m²
Building footprint
577 m²
Volume, LiDAR
664 m³
2 parcels, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
CAROLINE CLIJMANS
since 20162.259.243.529
CAROLINE CLIJMANS
since 20202.307.694.435
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11807G0150/10A000 | Flanders | 2,353 m² | 1 · 482 m² | 0.6 m |
| 11922C0611/00L002 | Flanders | 823 m² | 1 · 95 m² | 9.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
2024 to 2025 · 2 entries · 263 EUR awarded · 263 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 183 EUR | 183 EUR |
| 2024 | 1 | 80 EUR | 80 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 22,058 companies in sector 69101 we hold annual accounts for 9,052. 7,198 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
Founded15-12-2016
Fiscal year end31-12
Activities, NACEBEL 2025
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.