CLAERHOUT PATRICK
ActiveCLAERHOUT PATRICK has been active since 1973 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €331k and a net result of €-40k. Equity is shrinking by ~4.1% per year across the filed fiscal years. Its solvency ranks better than 86% of 2162 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability7▼-6
Solvency100=
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity tight (current ratio 1.48 against 11.46 in 2024; short-term debt: 19.6% and cash: 18.4% of total assets), and 23% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-40k
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 15-06-2026, 46 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
46 d early
2024
27 d early
2023
28 d early
2022
25 d late
2021
54 d early
2020
25 d early
2019
17 d early
← before the deadline
after the deadline →
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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€331k▼ 43.2%
2024 · €584k
2018: €548k
2019: €654k
2020: €686k
2021: €713k
2022: €511k
2023: €616k
2024: €584k
2018 → 2025
Total assets
€430k▼ 34.1%
2024 · €652k
2018: €762k
2019: €1.10M
2020: €1.01M
2021: €1.08M
2022: €963k
2023: €724k
2024: €652k
2018 → 2025
Net result
€-40k▼ 22.9%
2024 · €-32k
2018: €74k
2019: €121k
2020: €33k
2021: €27k
2022: €18k
2023: €105k
2024: €-32k
2018 → 2025
Working capital
€41k▼ 86.6%
2024 · €303k
2018: €206k
2019: €162k
2020: €168k
2021: €98k
2022: €-60k
2023: €339k
2024: €303k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€713k-€511k▼ 28.4%€616k▲ 20.6%€584k▼ 5.2%€331k▼ 43.2%
Operating result€52k-€37k▼ 29.6%€157k▲ 324%€-34k€-40k▼ 16.6%
Net result€27k-€18k▼ 34.7%€105k▲ 489%€-32k€-40k▼ 22.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €40k in 2025 against €34k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €430k
Fixed assets
€305k▼ 4.7%
Current assets
€125k▼ 62.4%
Equity and liabilities €430k
Equity
€331k▼ 43.2%
Debt
€99k▲ 44.0%
The debt ratio rises from 10.5% to 23.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-18k▼
2024 · €-13k
Cash flow
€-18k▼
2024 · €-11k
Solvency
77.0%▼
2024 · 89.5%
Current ratio
1.48▼
2024 · 11.46
Quick ratio
1.48▼
2024 · 11.46
Debt / equity
0.30▲
2024 · 0.12
ROE
-12.0%▼
2024 · -5.5%
ROA
-9.2%▼
2024 · -5.0%
Interest coverage
-11.57▼
2024 · -6.41
Debt
€99k▲
2024 · €69k
Debt ≤ 1 year
€84k▲
2024 · €29k
Debt > 1 year
€15k▼
2024 · €40k
Income taxes
€0▼
2024 · €25
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€652k€430k▼
Fixed assets21/28€320k€305k▼
Tangible fixed assets22/27€320k€305k▼
Land and buildings22€320k€304k▼
Furniture and vehicles24€268€1k▲
Financial fixed assets28€383€0▼
Current assets29/58€332k€125k▼
Amounts receivable after more than one year29€36k€12k▼
Trade receivables290€36k€0▼
Other amounts receivable291-€12k
Amounts receivable within one year40/41€35k€33k▼
Trade receivables40€25k€24k▼
Other amounts receivable41€11k€9k▼
Cash at bank and in hand54/58€258k€79k▼
Deferred charges and accrued income490/1€2k€407▼
Equity and liabilities
Total equity and liabilities10/49€652k€430k▼
Equity10/15€584k€331k▼
Contributions10/11€20k€6k▼
Reserves13€595k€325k▼
Tax-exempt reserves132€5k€5k=
Distributable reserves133€589k€320k▼
Profit (loss) carried forward14€-31k€0▲
Amounts payable17/49€69k€99k▲
Amounts payable after more than one year17€40k€15k▼
Financial debts170/4€40k€15k▼
Amounts payable within one year42/48€29k€84k▲
Current portion of amounts payable after more than one year42€25k€25k=
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Taxes, remuneration and social security45€341€608▲
Taxes450/3€341€608▲
Other amounts payable47/48€0€57k▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€22k▲
Other operating charges640/8€2k€17k▲
Non-recurring operating charges66A€3k€1k▼
Gross operating margin9900€-8k€-92▲
Operating profit (loss)9901€-34k€-40k▼
Financial income75/76B€4k€2k▼
Recurring financial income75€4k€2k▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€-32k€-40k▼
Income taxes67/77€25€0▼
Profit (loss) for the period9904€-32k€-40k▼
Profit (loss) for the period to be appropriated9905€-32k€-40k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-31k€-71k▼
Profit (loss) brought forward from the previous period14P€1k€-31k▼
Transfer from equity791/2-€283k
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7-€213k
Return on contributions (dividend)694-€213k
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (22 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
15-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-40k
Net result drops to €-40k, the lowest in the series.
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity times 11current ratio 8.75
Current ratio from 0.80 to 8.75; short-term debt falls from €292k to €44k.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 25 days late
2022
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
14-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Highest result since 2018net €121k ▲62.7%
Operating result €172k, net result €121k, both a record.
03-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
13-07
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.
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, Harelbeke · 1 establishment unit since 1973
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.
Blauwhuisstraat 68531 HarelbekeGround area
1,045 m²
Building footprint
254 m²
Volume, LiDAR
1,174 m³
Parcel 34017B0719/00R008, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CLAERHOUT PATRICK
since 19732.008.841.195
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34017B0719/00R008 | Flanders | 1,045 m² | 1 · 254 m² | 7.6 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 812 EUR awarded · 750 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 812 EUR | 750 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,810 companies in sector 41001 we hold annual accounts for 16,041. 10,690 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-11-1973
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
45211
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
52481
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.