CLAEYS JO
ActiveSummary
The computed 12-month bankruptcy probability of CLAEYS JO is 2.2% (moderate). The 2025 annual accounts show equity of €64,745 and a net result of -€231. Equity is growing by ~10.8% per year across the filed fiscal years. Its solvency ranks better than 57% of 28051 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability66▼-4
Solvency78▲+16
Growth52=
Track record100
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,500 at 30 days acceptable
Liquidity tight (current ratio 1.47 against 1.35 in 2024; short-term debt: 46.5% and cash: 2.3% of total assets), and 46.9% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · 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 2025Solvency, return and age of the figures
Solvency
53.1%
Return on assets
-0.2%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 14-04-2026, 16 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
16 d early
2024
on the day
2023
1 d early
2022
2 d early
2021
5 d early
2020
4 d early
2019
3 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 4 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
26-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€64,745▲ 23.1%
2024 · €52,576
Total assets
€121,910▼ 13.4%
2024 · €140,750
Net result
-€231
2024 · €1,012
Working capital
€26,463▼ 0.5%
2024 · €26,605
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
Line20212022202320242025
Operating result€1,832▼ 87.5%€8,864▲ 384%€1,682▼ 81.0%€3,198▲ 90.2%€4,451▲ 39.2%
Net result€3,434▼ 74.9%€8,431▲ 145%€211▼ 97.5%€1,012▲ 380%-€231
Equity€42,922▲ 8.7%€51,353▲ 19.6%€51,564▲ 0.4%€52,576▲ 2.0%€64,745▲ 23.1%
Total assets€167,272▲ 111%€207,053▲ 23.8%€150,547▼ 27.3%€140,750▼ 6.5%€121,910▼ 13.4%
Debt€124,350▲ 213%€155,701▲ 25.2%€98,983▼ 36.4%€88,174▼ 10.9%€57,165▼ 35.2%
Working capital€19,384▼ 47.2%€21,225▲ 9.5%€20,269▼ 4.5%€26,605▲ 31.3%€26,463▼ 0.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 39% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €121,910
Fixed assets
€38,743 ▲ 0.8%
Current assets
€83,167 ▼ 18.7%
Equity and liabilities €121,910
Equity
€64,745 ▲ 23.1%
Debt
€57,165 ▼ 35.2%
Debt's share of the balance-sheet total falls from 62.6% to 46.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€24,470▲
2024 · €21,409
Cash flow
€19,788▲
2024 · €19,223
Current ratio
1.47▲
2024 · 1.35
Quick ratio
0.91▼
2024 · 1.07
Debt to equity
0.88▼
2024 · 1.68
ROE
-0.4%▼
2024 · 1.9%
ROA
-0.2%▼
2024 · 0.7%
Interest coverage
5.65▼
2024 · 8.69
Debt ≤ 1 year
€56,705▼
2024 · €75,701
Debt > 1 year
€0▼
2024 · €10,173
Income taxes
€438▼
2024 · €1,253
Staff costs
€4,022
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €1,981 | €0 | - | - |
| Remuneration, social security and pensions62 | - | - | - | - | €4,022 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,695 | €13,517 | €16,612 | €18,211 | €20,019 | ▲ 9.9% |
| Other operating charges640/8 | €1,006 | €766 | €1,164 | €1,663 | €1,337 | ▼ 19.6% |
| Non-recurring operating charges66A | €1,600 | - | - | - | - | - |
| Gross operating margin9900 | €9,133 | €23,147 | €19,458 | €23,072 | €29,829 | ▲ 29.3% |
| Operating profit (loss)9901 | €1,832 | €8,864 | €1,682 | €3,198 | €4,451 | ▲ 39.2% |
| Financial income75/76B | €2,750 | €1,354 | €842 | €1,532 | €91 | ▼ 94.1% |
| Recurring financial income75 | €2,750 | €1,354 | €842 | €1,532 | €91 | ▼ 94.1% |
| Financial charges65/66B | €1,148 | €1,536 | €2,109 | €2,464 | €4,334 | ▲ 75.9% |
| Recurring financial charges65 | €1,148 | €1,536 | €2,109 | €2,464 | €4,334 | ▲ 75.9% |
| Profit (loss) for the period before taxes9903 | €3,434 | €8,682 | €415 | €2,266 | €207 | ▼ 90.9% |
| Income taxes67/77 | - | €251 | €204 | €1,253 | €438 | ▼ 65.1% |
| Profit (loss) for the period9904 | €3,434 | €8,431 | €211 | €1,012 | -€231 | ▼ 123% |
| Profit (loss) for the period to be appropriated9905 | €3,434 | €8,431 | €211 | €1,012 | -€231 | ▼ 123% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €167,272 | €207,053 | €150,547 | €140,750 | €121,910 | ▼ 13.4% |
| Fixed assets21/28 | €61,848 | €62,078 | €55,668 | €38,444 | €38,743 | ▲ 0.8% |
| Tangible fixed assets22/27 | €61,848 | €62,078 | €55,668 | €38,444 | €38,743 | ▲ 0.8% |
| Plant, machinery and equipment23 | €8,091 | €19,922 | €17,053 | €12,162 | €25,516 | ▲ 110% |
| Furniture and vehicles24 | €14,276 | €10,676 | €15,137 | €10,805 | €5,751 | ▼ 46.8% |
| Leasing and similar rights25 | €39,482 | €31,480 | €23,479 | €15,477 | €7,475 | ▼ 51.7% |
| Current assets29/58 | €105,424 | €144,976 | €94,879 | €102,306 | €83,167 | ▼ 18.7% |
| Stocks and contracts in progress3 | €30,252 | €12,901 | €43,996 | €21,043 | €31,390 | ▲ 49.2% |
| Stocks30/36 | €9,834 | €12,901 | €18,940 | €21,043 | €31,390 | ▲ 49.2% |
| Contracts in progress37 | €20,418 | - | €25,056 | €0 | - | - |
| Amounts receivable within one year40/41 | €72,511 | €120,703 | €37,223 | €69,807 | €44,489 | ▼ 36.3% |
| Trade receivables40 | €40,863 | €89,119 | €22,472 | €57,766 | €39,384 | ▼ 31.8% |
| Other amounts receivable41 | €31,648 | €31,584 | €14,751 | €12,041 | €5,105 | ▼ 57.6% |
| Cash at bank and in hand54/58 | €390 | €9,398 | €11,266 | €7,061 | €2,842 | ▼ 59.7% |
| Deferred charges and accrued income490/1 | €2,271 | €1,974 | €2,394 | €4,395 | €4,446 | ▲ 1.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €167,272 | €207,053 | €150,547 | €140,750 | €121,910 | ▼ 13.4% |
| Equity10/15 | €42,922 | €51,353 | €51,564 | €52,576 | €64,745 | ▲ 23.1% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €18,600 | ▲ 200% |
| Reserves13 | €36,722 | €45,153 | €45,364 | €46,376 | €46,145 | ▼ 0.5% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | €34,862 | €43,293 | €43,504 | €44,516 | €44,285 | ▼ 0.5% |
| Amounts payable17/49 | €124,350 | €155,701 | €98,983 | €88,174 | €57,165 | ▼ 35.2% |
| Amounts payable after more than one year17 | €36,468 | €30,449 | €24,373 | €10,173 | €0 | ▼ 100% |
| Financial debts170/4 | €36,468 | €30,449 | €24,373 | €10,173 | €0 | ▼ 100% |
| Amounts payable within one year42/48 | €86,040 | €123,751 | €74,611 | €75,701 | €56,705 | ▼ 25.1% |
| Current portion of amounts payable after more than one year42 | €12,652 | €16,018 | €13,778 | €14,146 | €10,173 | ▼ 28.1% |
| Trade debts44 | €66,996 | €103,117 | €57,184 | €56,957 | €28,461 | ▼ 50.0% |
| Suppliers440/4 | €66,996 | €103,117 | €57,184 | €56,957 | €28,461 | ▼ 50.0% |
| Taxes, remuneration and social security45 | €6,392 | €4,616 | €3,649 | €4,598 | €7,610 | ▲ 65.5% |
| Taxes450/3 | €3,695 | €4,616 | €3,649 | €4,598 | €1,217 | ▼ 73.5% |
| Remuneration and social security454/9 | €2,696 | - | - | - | €6,393 | - |
| Other amounts payable47/48 | - | - | - | - | €10,461 | - |
| Accrued charges and deferred income492/3 | €1,843 | €1,500 | €0 | €2,300 | €460 | ▼ 80.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3,434 | €8,431 | €211 | €1,012 | -€231 | ▼ 123% |
| + Depreciation and write-downs630 | €4,695 | €13,517 | €16,612 | €18,211 | €20,019 | ▲ 9.9% |
| Operating cash flow (approximation) | €8,129 | €21,948 | €16,823 | €19,223 | €19,788 | ▲ 2.9% |
| Investment in fixed assets (approximation) | - | -€13,747 | -€10,202 | -€987 | -€20,318 | ▼ 1,959% |
| Change in cash | - | €9,009 | €1,868 | -€4,206 | -€4,218 | ▼ 0.3% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
14-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet -€231
Net result drops to -€231, the lowest in the series.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
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, Zonnebeke · 1 establishment unit since 2018
Ground area
6,867 m²
Building footprint
162 m²
Parcel 33001C0413/00A000, Flanders. Linked by address, not a title deed.
1 establishment unit
Claeys Jo BVBA
since 20182.281.638.156
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33001C0413/00A000 | Flanders | 6,867 m² | 1 · 162 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.
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Of 20,028 companies in sector 43320 we hold annual accounts for 9,135. 7,581 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded05-11-2018
Fiscal year end30-09
Activities, NACEBEL 2025
43320Joinery installation
Scores and ratios are computed by Checked and are not a credit decision.