CLAEYS & ZOON
ActiveCLAEYS & ZOON has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €18k and a net result of €3k. Equity is shrinking by ~11.4% per year across the filed fiscal years. Its solvency ranks better than 38% of 27676 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-27
Solvency62▼-1
Growth32=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.47 against 1.45 in 2024; short-term debt: 61.7% of total assets), and 63.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
Sector 43
higher
← 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
36.5%
Return on assets
6.3%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
on the day
2024
26 d late
2023
46 d late
2021
3 d early
2020
33 d late
2019
111 d late
2018
35 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close20-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€18k▲ 20.8%
2024 · €15k
2019: €30k
2020: €29k
2021: €18k
2023: €-5k
2024: €15k
2019 → 2025
Total assets
€50k▲ 25.7%
2024 · €39k
2019: €36k
2020: €41k
2021: €44k
2023: €34k
2024: €39k
2019 → 2025
Net result
€3k▼ 84.3%
2024 · €20k
2019: €22k
2020: €-2k
2021: €-10k
2023: €3k
2024: €20k
2019 → 2025
Working capital
€14k▲ 36.5%
2024 · €11k
2019: €30k
2020: €27k
2021: €15k
2023: €-11k
2024: €11k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202320242025Trend
Equity€29k-€18k▼ 35.8%€-5k€15k€18k▲ 20.8%
Operating result€-2k-€-5k▼ 233%€6k€22k▲ 275%€6k▼ 73.6%
Net result€-2k-€-10k▼ 427%€3k€20k▲ 569%€3k▼ 84.3%
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 2025; 2025 is 74% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €50k
Fixed assets
€5k▼ 13.3%
Current assets
€45k▲ 31.9%
Equity and liabilities €50k
Equity
€18k▲ 20.8%
Debt
€31k▲ 28.8%
The debt ratio rises from 62.0% to 63.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€8k▼
2024 · €24k
Cash flow
€5k▼
2024 · €22k
Solvency
36.5%▼
2024 · 38.0%
Current ratio
1.47▲
2024 · 1.45
Quick ratio
1.29▲
2024 · 1.26
Debt / equity
1.74▲
2024 · 1.63
ROE
17.2%▼
2024 · 132.5%
ROA
6.3%▼
2024 · 50.4%
Interest coverage
5.55▼
2024 · 17.87
Debt
€31k▲
2024 · €24k
Debt ≤ 1 year
€31k▲
2024 · €24k
Income taxes
€1k▲
2024 · €934
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€39k€50k▲
Fixed assets21/28€5k€5k▼
Tangible fixed assets22/27€5k€5k▼
Plant, machinery and equipment23€884€2k▲
Furniture and vehicles24€5k€3k▼
Current assets29/58€34k€45k▲
Stocks and contracts in progress3€5k€5k▲
Stocks30/36€500€425▼
Contracts in progress37€4k€5k▲
Amounts receivable within one year40/41€29k€39k▲
Trade receivables40€22k€25k▲
Other amounts receivable41€7k€14k▲
Deferred charges and accrued income490/1€379€493▲
Equity and liabilities
Total equity and liabilities10/49€39k€50k▲
Equity10/15€15k€18k▲
Contributions10/11€13k€13k=
Reserves13€18k€18k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€18k€18k=
Profit (loss) carried forward14€-15k€-12k▲
Amounts payable17/49€24k€31k▲
Amounts payable within one year42/48€24k€31k▲
Financial debts43€8k€5k▼
Credit institutions430/8€8k€5k▼
Trade debts44€14k€22k▲
Suppliers440/4€14k€22k▲
Taxes, remuneration and social security45€2k€3k▲
Taxes450/3€891€2k▲
Remuneration and social security454/9€850€750▼
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€900€900=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€1k
Other operating charges640/8€1k€694▼
Gross operating margin9900€25k€10k▼
Operating profit (loss)9901€22k€6k▼
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€1k€1k▲
Recurring financial charges65€1k€1k▲
Profit (loss) for the period before taxes9903€21k€4k▼
Income taxes67/77€934€1k▲
Profit (loss) for the period9904€20k€3k▼
Profit (loss) for the period to be appropriated9905€20k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-15k€-12k▲
Profit (loss) brought forward from the previous period14P€-35k€-15k▲
Profit to be distributed694/7€0-
Directors or managers695€0-
The notes to these accounts (13 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
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
26-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
31-03
Financial
Liquidity doublescurrent ratio 1.45
Current ratio from 0.71 to 1.45; short-term debt falls from €38k to €24k.
2023
16-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 46 days late
31-03
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Weakest financial yearnet €-10k
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
2020
03-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 33 days late
19-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 111 days late
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Merelbeke-Melle · 1 establishment unit since 2016
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.
Oude Heirbaan 19090 Merelbeke-MelleGround area
855 m²
Building footprint
302 m²
Volume, LiDAR
1,172 m³
Parcel 44040D0090/00X000, Flanders · tallest building 18.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
ConceptHuis
since 20162.257.789.519
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44040D0090/00X000 | Flanders | 855 m² | 1 · 302 m² | 18.9 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.
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Of 15,529 companies in sector 43990 we hold annual accounts for 7,421. 5,068 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-10-2016
Fiscal year end31-03
Activities, NACEBEL
43990Other specialised construction activities
43995Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.