Claeys Concepts

Active

Private limited companyfounded 20242 yrs activeHollekelderstraat (C) 1, 2920 Kalmthout, BelgiumKBO/BCE: BE 1010.901.039

The computed 12-month bankruptcy probability of Claeys Concepts is 3.0% (moderate). The annual accounts of Claeys Concepts for fiscal year 2025 show a net loss of 72% of the equity at the start of that year. The 2025 annual accounts show equity of €4k and a net result of €-10k. Its solvency ranks better than 17% of 7431 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

27 / 100

Weak

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability0▼-91

Solvency34▼-13

Growth32

Track record82

Bankruptcy probability, 12 months

3.0% Moderate

0%0.5%1.5%4%10%≥ 25%

No publishable credit limit; credit only on tighter terms

Net loss of at least half of total assets or of the equity at the start of the financial year.

Liquidity short (current ratio 0.88 against 1.14 in 2024; short-term debt: 67.9% and cash: 0.3% of total assets), and 91% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

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 →

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

Return on assets

-22.6%

Age of the figures

9 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 7431 sector peers (2025).

NBB · sector comparison

Position among 7431 sector peers

Solvency

better than 17%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-07-2026, 8 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

8 d early

2024

8 d late

← before the deadline after the deadline →

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 months

Position in the running window

23-09-2026 today31-12-2026 close31-07-2027 deadline

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

Financials · fiscal year 2025, micro schema

Equity

€4k▼ 71.6%

2024 · €15k

2024: €15k

2024 → 2025

Total assets

€46k▼ 29.6%

2024 · €66k

2024: €66k

2024 → 2025

Net result

€-10k

2024 · €12k

2024: €12k

2024 → 2025

Working capital

€-4k

2024 · €5k

2024: €5k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€15k-€4k▼ 71.6%

Operating result€15k-€-10k

Net result€12k-€-10k

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result turns negative in 2025: a loss of €10k after €15k in 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €46k

40.4%

59.6%

Fixed assets €19k▼ 23.8%

Current assets €28k▼ 33.0%

Equity and liabilities €46k

91.0%

Equity €4k▼ 71.6%

Debt €42k▼ 17.6%

The debt ratio rises from 77.8% to 91.0%. Equity and debt are lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€-4k▼

2024 · €16k

Cash flow

€-4k▼

2024 · €14k

Solvency

9.0%▼

2024 · 22.2%

Current ratio

0.88▼

2024 · 1.14

Quick ratio

0.88▼

2024 · 1.14

Debt / equity

10.15▲

2024 · 3.50

ROE

-251.6%▼

2024 · 79.5%

ROA

-22.6%▼

2024 · 17.7%

Interest coverage

-11.35▼

2024 · 148.74

Debt

€42k▼

2024 · €51k

Debt ≤ 1 year

€32k▼

2024 · €36k

Debt > 1 year

€9k▼

2024 · €15k

Income taxes

€2▼

2024 · €3k

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€66k€46k▼

Fixed assets21/28€25k€19k▼

Intangible fixed assets21€2k€2k▼

Tangible fixed assets22/27€22k€17k▼

Furniture and vehicles24€19k€14k▼

Other tangible fixed assets26€3k€3k▼

Current assets29/58€41k€28k▼

Amounts receivable within one year40/41€39k€27k▼

Trade receivables40€35k€27k▼

Other amounts receivable41€5k-

Cash at bank and in hand54/58€1k€123▼

Deferred charges and accrued income490/1€930€217▼

Equity and liabilities

Total equity and liabilities10/49€66k€46k▼

Equity10/15€15k€4k▼

Contributions10/11€3k€3k=

Reserves13€12k€12k=

Distributable reserves133€12k€12k=

Profit (loss) carried forward14€154€-10k▼

Amounts payable17/49€51k€42k▼

Amounts payable after more than one year17€15k€9k▼

Financial debts170/4€15k€9k▼

Amounts payable within one year42/48€36k€32k▼

Current portion of amounts payable after more than one year42€5k€5k▲

Trade debts44€9k€102▼

Suppliers440/4€9k€102▼

Taxes, remuneration and social security45€5k€3k▼

Taxes450/3€5k€3k▼

Other amounts payable47/48€18k€23k▲

Accrued charges and deferred income492/3€500€1k▲

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€6k▲

Other operating charges640/8€674€561▼

Gross operating margin9900€17k€-3k▼

Operating profit (loss)9901€15k€-10k▼

Financial income75/76B€249€295▲

Recurring financial income75€249€295▲

Financial charges65/66B€110€353▲

Recurring financial charges65€110€353▲

Profit (loss) for the period before taxes9903€15k€-10k▼

Income taxes67/77€3k€2▼

Profit (loss) for the period9904€12k€-10k▼

Profit (loss) for the period to be appropriated9905€12k€-10k▼

Appropriation of the result

Profit (loss) to be appropriated9906€12k€-10k▼

Profit (loss) brought forward from the previous period14P-€154

Transfer to equity691/2€12k-

To other reserves6921€12k-

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 3Gazette 1Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

23-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

30-03

State Gazette act Registered office

Board meeting · Registered-office move2 facts ▸

Board meeting, 1 juli 2025
Registered-office move, Hollekelderstraat 1, 2920 Kalmthout

2025

08-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 8 days late

State Gazette actNBB filing

Directors · office · real estate

Directors

2 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.

Location & real-estate footprint

Registered office, Kalmthout · 1 establishment unit since 2024

establishment The establishment unit on the map

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.

Hollekelderstraat (C) 12920 Kalmthout

Ground area

2,809 m²

Building footprint

227 m²

Volume, LiDAR

1,244 m³

Parcel 11662E0589/00M016, Flanders · tallest building 10.5 m, ±1 floor. Linked by address, not a title deed.

1 establishment unit

Claeys Concepts

Hollekelderstraat (C) 1, 2920 KalmthoutGeneral construction of buildings

since 20242.360.923.283

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11662E0589/00M016	Flanders	2,809 m²	1 · 227 m²	10.4 m · 1 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.

Similar companies · same sector, comparable size

Of 29,801 companies in sector 41001 we hold annual accounts for 16,050. 5,750 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded28-06-2024

Fiscal year end31-12

Activities, NACEBEL

41001General construction of residential buildings

41003General construction of other non-residential buildings

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.