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Chlose

Active
Private limited companyfounded 20188 yrs activeBredabaan 71, 2930 Brasschaat, BelgiumKBO/BCE: BE 0696.799.005
Summary

Chlose has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €45,877 and a net result of €443,876. Equity remains stable across the filed fiscal years (±0.3% per year). The computed 12-month bankruptcy probability is 1.4% (low).

Checked score

Score 2024
Axes · tick = 2023
Profitability100▲+66
Solvency48▲+23
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
1.4% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,000 at 30 days acceptable
Liquidity tight (current ratio 1.23 against 0.06 in 2023; short-term debt: 77.1% and cash: 95% of total assets), and 77.1% of the assets are financed with debt.
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Signals

Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 8 years 0 10 y
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-10-2025, 90 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 · 7 filings
Deviation from the deadline
2025
not confirmed
2024
90 d late
2023
62 d late
2022
137 d late
2021
61 d late
2020
88 d late
2019
91 d late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 6 accounts on average 88 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (1)
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

History

Chlose was incorporated on 25 May 2018.1 Total assets fell from EUR 595,954 in 2018 to EUR 200,373 in 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2024

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Financials · fiscal year 2024, abbreviated schema

Equity
€45,877▲ 2,193%
2023 · €2,001
Total assets
€200,373▼ 65.6%
2023 · €582,001
Net result
€443,876
2023 · -€7,248
Working capital
€35,881
2023 · -€547,999
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20202021202220232024
Operating result-€1,020▲ 13.0%-€1,343▼ 31.7%-€1,507▼ 12.2%-€6,340▼ 321%-€5,358▲ 15.5%
Net result-€1,625=-€1,948▼ 19.9%-€1,507▲ 22.6%-€7,248▼ 381%€443,876
Equity€592,704▼ 0.3%€590,756▼ 0.3%€589,249▼ 0.3%€2,001▼ 99.7%€45,877▲ 2,193%
Total assets€592,704▼ 0.3%€590,756▼ 0.3%€590,756=€582,001▼ 1.5%€200,373▼ 65.6%
Debt€1,507€580,000▲ 38,382%€154,496▼ 73.4%
Working capital€39,249-€547,999€35,881
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
-€200,000€0€200,000€400,000Operating result 2020: -€1,020-€1,020Net result 2020: -€1,625-€1,625Operating result 2021: -€1,343-€1,343Net result 2021: -€1,948-€1,948Operating result 2022: -€1,507-€1,507Net result 2022: -€1,507-€1,507Operating result 2023: -€6,340-€6,340Net result 2023: -€7,248-€7,248Operating result 2024: -€5,358-€5,358Net result 2024: €443,876€443,87620202021202220232024-€200,000€0€200,000€400,000Operating result 2022: -€1,507-€1,510Net result 2022: -€1,507-€1,510Operating result 2023: -€6,340-€6,340Net result 2023: -€7,248-€7,250Operating result 2024: -€5,358-€5,360Net result 2024: €443,876€444,000202220232024
The operating result stays negative: a loss of €5,358 in 2024 against €6,340 in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €200,373
Fixed assets €9,996 ▼ 98.2%
Current assets €190,377 ▲ 495%
Equity and liabilities €200,373
Equity €45,877 ▲ 2,193%
Debt €154,496 ▼ 73.4%
Debt's share of the balance-sheet total falls from 99.7% to 77.1%. Equity is higher and debt is lower.
Key figures and ratios
2024 value · change against 2023
Current ratio
1.23▲
2023 · 0.06
Debt to equity
3.37
ROE
967.5%▲
2023 · -362.2%
ROA
221.5%▲
2023 · -1.2%
Debt ≤ 1 year
€154,496▼
2023 · €580,000
Income taxes
€61
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 6,706 companies that looked in July 2024 the way this one looks now, 1.7% went bankrupt within 24 months and 96% are still going.

  • Micro
  • 5 to 10 years old
  • solvency 10 to 30%
  • a profit of 5% of the balance sheet or more
1.7% went bankrupt
2.2% stopped otherwise
96% still going

A further 0.3% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 1.4% 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 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 6,706 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
Filed annual accounts As filed with the NBB · 2024 against 2023 · 31 lines
Balance sheet Code20232024
Assets
Total assets20/58€582,001€200,373▼
Fixed assets21/28€550,000€9,996▼
Financial fixed assets28€550,000€9,996▼
Current assets29/58€32,001€190,377▲
Cash at bank and in hand54/58€32,001€190,377▲
Equity and liabilities
Total equity and liabilities10/49€582,001€200,373▼
Equity10/15€2,001€45,877▲
Contributions10/11€20,000€20,000=
Profit (loss) carried forward14-€17,999€25,877▲
Amounts payable17/49€580,000€154,496▼
Amounts payable within one year42/48€580,000€154,496▼
Trade debts44€0-
Suppliers440/4€0-
Taxes, remuneration and social security45-€60,000
Taxes450/3-€60,000
Other amounts payable47/48€580,000€94,496▼
Income statement Code20232024
Other operating charges640/8€943€387▼
Gross operating margin9900-€5,397-€4,971▲
Operating profit (loss)9901-€6,340-€5,358▲
Financial income75/76B-€450,203
Recurring financial income75-€450,203
Financial charges65/66B€908€908=
Recurring financial charges65€908€908=
Profit (loss) for the period before taxes9903-€7,248€443,937▲
Income taxes67/77-€61
Profit (loss) for the period9904-€7,248€443,876▲
Profit (loss) for the period to be appropriated9905-€7,248€443,876▲
Appropriation of the result
Profit (loss) to be appropriated9906-€17,999€425,877▲
Profit (loss) brought forward from the previous period14P-€10,751-€17,999▼
Profit to be distributed694/7-€400,000
Return on contributions (dividend)694-€400,000

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20202021202220232024Change
Other operating charges640/8-€449-€943€387▼ 58.9%
Gross operating margin9900-€1,020-€894-€1,507-€5,397-€4,971▲ 7.9%
Operating profit (loss)9901-€1,020-€1,343-€1,507-€6,340-€5,358▲ 15.5%
Financial income75/76B----€450,203-
Recurring financial income75----€450,203-
Financial charges65/66B-€605-€908€908=
Recurring financial charges65€605€605-€908€908=
Profit (loss) for the period before taxes9903-€1,625-€1,948-€1,507-€7,248€443,937▲ 6,225%
Income taxes67/77----€61-
Profit (loss) for the period9904-€1,625-€1,948-€1,507-€7,248€443,876▲ 6,224%
Profit (loss) for the period to be appropriated9905-€1,625-€1,948-€1,507-€7,248€443,876▲ 6,224%
Line20202021202220232024Change
Assets
Total assets20/58€592,704€590,756€590,756€582,001€200,373▼ 65.6%
Fixed assets21/28€550,000€550,000€550,000€550,000€9,996▼ 98.2%
Financial fixed assets28€550,000€550,000€550,000€550,000€9,996▼ 98.2%
Current assets29/58€42,704€40,756€40,756€32,001€190,377▲ 495%
Cash at bank and in hand54/58€42,704€40,756€40,756€32,001€190,377▲ 495%
Equity and liabilities
Total equity and liabilities10/49€592,704€590,756€590,756€582,001€200,373▼ 65.6%
Equity10/15€592,704€590,756€589,249€2,001€45,877▲ 2,193%
Contributions10/11-€600,000€600,000€20,000€20,000=
Profit (loss) carried forward14-€7,296-€9,244-€10,751-€17,999€25,877▲ 244%
Amounts payable17/49--€1,507€580,000€154,496▼ 73.4%
Amounts payable within one year42/48--€1,507€580,000€154,496▼ 73.4%
Trade debts44--€1,507€0--
Suppliers440/4--€1,507€0--
Taxes, remuneration and social security45----€60,000-
Taxes450/3----€60,000-
Other amounts payable47/48---€580,000€94,496▼ 83.7%
Line20202021202220232024Change
Profit (loss) for the period9904-€1,625-€1,948-€1,507-€7,248€443,876▲ 6,224%
Operating cash flow (approximation)-€1,625-€1,948-€1,507-€7,248€443,876▲ 6,224%
Investment in fixed assets (approximation)-€0€0€0€540,004-
Change in cash--€1,948€0-€8,755€158,376▲ 1,909%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2025
29-10
NBB filing Annual accounts filed
fiscal year 2024 · abbreviated schema · 90 days late
2024
31-12
Financial Back to profitnet €443,876
Net result €443,876 after 6 loss-making years.
31-12
Financial Liquidity times 22current ratio 1.23
Current ratio from 0.06 to 1.23; short-term debt falls from €580,000 to €154,496.
01-10
NBB filing Annual accounts filed
fiscal year 2023 · abbreviated schema · 62 days late
2023
31-12
Financial Weakest financial yearnet -€7,248
Net result drops to -€7,248, the lowest in the series; recovery starts the following year.
15-12
NBB filing Annual accounts filed
fiscal year 2022 · abbreviated schema · 137 days late
2022
30-09
NBB filing Annual accounts filed
fiscal year 2021 · abbreviated schema · 61 days late
2021
27-10
NBB filing Annual accounts filed
fiscal year 2020 · abbreviated schema · 88 days late
2020
30-10
NBB filing Annual accounts filed
fiscal year 2019 · abbreviated schema · 91 days late
2019
22-10
NBB filing Annual accounts filed
fiscal year 2018 · abbreviated schema · 83 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts

We know of 2 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
2 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, Brasschaat · 1 establishment unit since 2018
seat establishment The establishment unit on the map
Ground area
3,275 m²
Building footprint
374 m²
Parcel 11322E0458/00H000, Flanders. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
Chlose
Bredabaan 71, 2930 BrasschaatFinancial service activities, except insurance and pension funding
since 20182.276.996.311
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11322E0458/00H000 Flanders 3,275 m² 1 · 374 m² -
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.

Recognitions · licences · registrations

Legal Entity Identifier

967600SDGZSDKUHH3T37
no longer live in the LEI register

Identification & contact

Identification
Legal formPrivate limited company
Founded25-05-2018
Fiscal year end31-12
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

What can you do?

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If you follow this company, Checked tells you the day it appears in the Peppol register.

Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.