Financials
- Financial year
- 2025
- Total assets
- €265,194
- Loss
- -€3,991
- Solvency
- 77.3%
Total assets▼ 2.7%
Net result
20182025
Summary
CLAFER is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €205,115 and a net result of -€3,991. Equity remains stable across the filed financial years (±0.6% per year). Its solvency ranks better than 82% of 1,804 sector peers (NACE 66, financial year 2025). The company has been active since 1993 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Insurance agents and brokers
NACE 66220
1 site
Size
€265,194total assets 2025
- Equity
- €205,115
- Loss
- -€3,991
Turnover not published (abbreviated or micro format)
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
Structure
Accounts filed 8 days late0 of 2 deeds read
SignalsneutralFiled after the deadlineShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Bankruptcy probability, 12 months
This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.
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Signals
1 signal.
neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-08-2026, 8 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
8 days late
2024
on the day
2023
1 day early
2022
28 days late
2021
24 days late
2020
2 days late
2019
52 days late
← 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 16 days after the deadline; the sector median (NACE 66) for financial year 2024 is 5 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 8 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
14-10-2026 today31-12-2026 year end31-07-2027 deadline
- Annual accounts filedfinancial year 2025 · abbreviated…
- Weakest financial yearnet -€3,991
- Annual accounts filedfinancial year 2024 · micro…
Key points
By topic
Timeline
- Events
- 35
- Since
- 1995
- Next accounts
- by 31-07-2027
- 31-12-2024Highest result from 2018 to 2025
- 30-07-2024Annual accounts filed
- 31-12-2023Liquidity more than quadruples
Company details
- Sites
- 1
- Legal form
- Public limited company
- Activity
- Insurance agents and brokersNACE 66220
- Founded
- 30-12-1993
- Year ends
- 31-12
- Peppol
- Not found in the Peppol directory
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