CLACO
ActiveCLACO has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €302k and a net result of €47k. Equity is growing by ~17.5% per year across the filed fiscal years. Its solvency ranks better than 31% of 37972 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
86
/ 100
Excellent▼ -5 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability78▼-22
Solvency76▲+5
Growth52=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 22.41 against 20.23 in 2023), but 65.3% of the assets are financed with debt.
Credit advice 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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 dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-07-2025, 6 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
6 d early
2023
12 d early
2022
11 d early
2021
29 d late
2020
9 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€302k▲ 18.6%
2023 · €255k
2020: €158k
2021: €203k
2022: €242k
2023: €255k
2020 → 2024
Total assets
€870k▲ 5.5%
2023 · €825k
2020: €213k
2021: €607k
2022: €644k
2023: €825k
2020 → 2024
Net result
€47k▼ 9.8%
2023 · €52k
2020: €157k
2021: €45k
2022: €39k
2023: €52k
2020 → 2024
Working capital
€827k▲ 6.6%
2023 · €776k
2020: €151k
2021: €576k
2022: €609k
2023: €776k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€158k-€203k▲ 28.7%€242k▲ 19.4%€255k▲ 5.1%€302k▲ 18.6%
Operating result€203k-€51k▼ 75.1%€43k▼ 16.0%€59k▲ 39.0%€51k▼ 13.3%
Net result€157k-€45k▼ 71.3%€39k▼ 12.9%€52k▲ 32.9%€47k▼ 9.8%
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 2024; 2024 is 13% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €870k
Fixed assets
€5k▼ 45.9%
Current assets
€866k▲ 6.1%
Equity and liabilities €870k
Equity
€302k▲ 18.6%
Debt
€569k▼ 0.3%
The debt ratio falls from 69.1% to 65.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€55k▼
2023 · €64k
Cash flow
€51k▼
2023 · €57k
Solvency
34.7%▲
2023 · 30.9%
Current ratio
22.41▲
2023 · 20.23
Quick ratio
22.41▲
2023 · 20.23
Debt / equity
1.88▼
2023 · 2.24
ROE
15.7%▼
2023 · 20.6%
ROA
5.4%▼
2023 · 6.3%
Interest coverage
8.46▼
2023 · 77.57
Debt
€569k▼
2023 · €570k
Debt ≤ 1 year
€39k▼
2023 · €40k
Debt > 1 year
€530k=
2023 · €530k
Income taxes
€13k▼
2023 · €14k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€825k€870k▲
Fixed assets21/28€9k€5k▼
Tangible fixed assets22/27€9k€5k▼
Furniture and vehicles24€3k€801▼
Other tangible fixed assets26€6k€4k▼
Current assets29/58€816k€866k▲
Amounts receivable after more than one year29€725k€725k=
Other amounts receivable291€725k€725k=
Amounts receivable within one year40/41€26k€65k▲
Trade receivables40€17k€46k▲
Other amounts receivable41€9k€19k▲
Cash at bank and in hand54/58€65k€75k▲
Deferred charges and accrued income490/1€85€75▼
Equity and liabilities
Total equity and liabilities10/49€825k€870k▲
Equity10/15€255k€302k▲
Contributions10/11€100€100=
Reserves13€254k€302k▲
Distributable reserves133€254k€302k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€570k€569k▼
Amounts payable after more than one year17€530k€530k=
Other amounts payable178/9€530k€530k=
Amounts payable within one year42/48€40k€39k▼
Trade debts44€5k€5k▼
Suppliers440/4€5k€5k▼
Taxes, remuneration and social security45€18k€8k▼
Taxes450/3€18k€8k▼
Other amounts payable47/48€16k€25k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▼
Other operating charges640/8€599€613▲
Non-recurring operating charges66A€0-
Gross operating margin9900€64k€56k▼
Operating profit (loss)9901€59k€51k▼
Financial income75/76B€8k€15k▲
Recurring financial income75€8k€15k▲
Financial charges65/66B€819€7k▲
Recurring financial charges65€819€7k▲
Profit (loss) for the period before taxes9903€66k€60k▼
Income taxes67/77€14k€13k▼
Profit (loss) for the period9904€52k€47k▼
Profit (loss) for the period to be appropriated9905€52k€47k▼
Appropriation of the result
Profit (loss) to be appropriated9906€52k€47k▼
Transfer from equity791/2€40k€0▼
Transfer to equity691/2€52k€47k▼
To other reserves6921€52k€47k▼
Profit to be distributed694/7€40k€0▼
Return on contributions (dividend)694€40k€0▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €39k ▼12.9%
Net result drops to €39k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Liquidity times 7current ratio 24.39
Current ratio from 3.72 to 24.39; short-term debt falls from €55k to €25k.
31-12
Financial
Equity above €200kEq €203k ▲28.7%
2 profitable years in a row build equity to €203k.
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Lendelede · 1 establishment unit since 2020
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.
Meikapelstraat 58860 LendeledeGround area
992 m²
Building footprint
149 m²
Volume, LiDAR
752 m³
Parcel 34025B0549/00C000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CLACO
since 20202.298.346.605
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34025B0549/00C000 | Flanders | 992 m² | 1 · 149 m² | 8.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,241 companies in sector 70200 we hold annual accounts for 52,386. 37,997 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-01-2020
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.