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 1,844 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
- Equity
- €205,115
- Loss
- -€3,991
- Claude GallerDirector
- Fernande GallerDirector
Signalsraises risk2025 accounts filed 8 days lateShow the evidence
Checked score
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
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)
- Annual accounts filedfinancial year 2025 · abbreviated…
- Weakest financial yearnet -€3,991
- Annual accounts filedfinancial year 2024 · micro…
Financials · financial year 2025, abbreviated format
2025 annual accounts filed late (8 days) Filed on 8 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00388708.
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result turns negative in 2025: a loss of €2,355 after €7,016 in 2024, the lowest result in the available series.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,172 | €2,172 | €2,172 | €2,172 | €2,172 | €2,172 | €2,172 | €2,172 | = |
| Other operating charges640/8 | - | - | - | €2,517 | €2,565 | €2,793 | €607 | €5,247 | ▲ 764% |
| Gross operating margin9900 | €9,302 | €9,729 | €8,359 | €7,372 | €7,583 | €9,104 | €9,795 | €5,064 | ▼ 48.3% |
| Operating profit (loss)9901 | €4,820 | €5,082 | €3,904 | €2,683 | €2,846 | €4,138 | €7,016 | -€2,355 | - |
| Financial income75/76B | - | - | - | €467 | €515 | €411 | €451 | €402 | ▼ 10.9% |
| Recurring financial income75 | €645 | €633 | €736 | €467 | €515 | €411 | €451 | €402 | ▼ 10.9% |
| Financial charges65/66B | - | - | - | €2,062 | €1,937 | €2,703 | €1,878 | €2,037 | ▲ 8.5% |
| Recurring financial charges65 | €106 | €2,301 | €2,195 | €2,062 | €1,937 | €2,703 | €1,878 | €2,037 | ▲ 8.5% |
| Profit (loss) for the period before taxes9903 | €5,359 | €3,414 | €2,445 | €1,088 | €1,424 | €1,847 | €5,589 | -€3,991 | - |
| Income taxes67/77 | €1,692 | €476 | €721 | €290 | €380 | €493 | €1,523 | - | - |
| Profit (loss) for the period9904 | €3,667 | €2,939 | €1,724 | €798 | €1,044 | €1,354 | €4,066 | -€3,991 | - |
| Profit (loss) for the period to be appropriated9905 | €3,667 | €2,939 | €1,724 | €798 | €1,044 | €1,354 | €4,066 | -€3,991 | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €279,193 | €277,021 | €275,099 | €274,231 | €271,018 | €270,696 | €272,465 | €265,194 | ▼ 2.7% |
| Formation expenses20 | €0 | - | - | - | - | - | - | - | - |
| Fixed assets21/28 | €271,982 | €269,810 | €267,638 | €265,466 | €263,294 | €261,122 | €258,950 | €256,778 | ▼ 0.8% |
| Tangible fixed assets22/27 | €48,261 | €46,089 | €43,917 | €41,745 | €39,573 | €37,401 | €35,229 | €33,057 | ▼ 6.2% |
| Land and buildings22 | - | - | - | €39,532 | €37,913 | €36,295 | €34,676 | €33,057 | ▼ 4.7% |
| Plant, machinery and equipment23 | - | - | - | €2,213 | €1,660 | €1,106 | €553 | €0 | ▼ 100% |
| Financial fixed assets28 | €223,721 | €223,721 | €223,721 | €223,721 | €223,721 | €223,721 | €223,721 | €223,721 | = |
| Current assets29/58 | €7,211 | €7,211 | €7,461 | €8,765 | €7,724 | €9,574 | €13,515 | €8,416 | ▼ 37.7% |
| Amounts receivable within one year40/41 | €7,211 | €7,211 | €7,211 | €7,211 | €7,211 | €7,211 | €7,211 | €7,211 | = |
| Other amounts receivable41 | - | - | - | €7,211 | €7,211 | €7,211 | €7,211 | €7,211 | = |
| Cash at bank and in hand54/58 | - | €0 | €0 | €1,304 | €0 | €1,823 | €5,308 | €651 | ▼ 87.7% |
| Deferred charges and accrued income490/1 | - | - | - | €250 | €513 | €540 | €996 | €554 | ▼ 44.4% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €279,193 | €277,021 | €275,099 | €274,231 | €271,018 | €270,696 | €272,465 | €265,194 | ▼ 2.7% |
| Equity10/15 | €197,181 | €200,120 | €201,844 | €202,642 | €203,686 | €205,039 | €209,105 | €205,115 | ▼ 1.9% |
| Contributions10/11 | €136,341 | €136,341 | €136,341 | €136,341 | €136,341 | €136,341 | €136,341 | €136,341 | = |
| Capital10 | - | - | - | €136,341 | €136,341 | €136,341 | €136,341 | €136,341 | = |
| Issued capital100 | - | - | - | €136,341 | €136,341 | €136,341 | €136,341 | €136,341 | = |
| Reserves13 | €13,634 | €13,634 | €13,634 | €13,634 | €13,634 | €13,634 | €13,634 | €13,634 | = |
| Non-distributable reserves130/1 | - | - | - | €13,634 | €13,634 | €13,634 | €13,634 | €13,634 | = |
| Legal reserve130 | - | - | - | €13,634 | €13,634 | €13,634 | €13,634 | €13,634 | = |
| Profit (loss) carried forward14 | €47,206 | €50,144 | €51,868 | €52,666 | €53,710 | €55,064 | €59,130 | €55,139 | ▼ 6.7% |
| Amounts payable17/49 | €82,011 | €76,901 | €73,255 | €71,589 | €67,333 | €65,656 | €63,360 | €60,080 | ▼ 5.2% |
| Amounts payable after more than one year17 | €78,217 | €72,951 | €70,572 | €68,100 | €65,508 | €65,164 | €61,789 | €58,491 | ▼ 5.3% |
| Financial debts170/4 | - | - | - | €68,100 | €0 | - | - | - | - |
| Other amounts payable178/9 | - | - | - | - | €65,508 | €65,164 | €61,789 | €58,491 | ▼ 5.3% |
| Amounts payable within one year42/48 | €3,794 | €3,949 | €2,682 | €3,490 | €1,825 | €493 | €1,571 | €1,589 | ▲ 1.1% |
| Financial debts43 | - | - | - | - | €517 | - | - | - | - |
| Credit institutions430/8 | - | - | - | - | €517 | - | - | - | - |
| Trade debts44 | €0 | €630 | €519 | €597 | €638 | €0 | €48 | €0 | ▼ 100% |
| Suppliers440/4 | - | - | - | €597 | €638 | €0 | €48 | €0 | ▼ 100% |
| Taxes, remuneration and social security45 | - | - | - | €2,893 | €670 | €493 | €1,523 | €1,523 | = |
| Taxes450/3 | - | - | - | €2,893 | €670 | €493 | €1,523 | €1,523 | = |
| Other amounts payable47/48 | - | - | - | - | - | - | - | €66 | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3,667 | €2,939 | €1,724 | €798 | €1,044 | €1,354 | €4,066 | -€3,991 | - |
| + Depreciation and write-downs630 | €2,172 | €2,172 | €2,172 | €2,172 | €2,172 | €2,172 | €2,172 | €2,172 | = |
| Operating cash flow (approximation) | €5,839 | €5,110 | €3,896 | €2,970 | €3,216 | €3,526 | €6,238 | -€1,819 | - |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | €0 | €0 | €0 | - |
| Change in cash | - | - | €0 | €1,304 | -€1,304 | €1,823 | €3,485 | -€4,657 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 31 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | abbreviated format | 08-08-2026 | 2026-00388708 |
| 31-12-2024 | micro format | 31-07-2025 | 2025-00339175 |
| 31-12-2023 | micro format | 30-07-2024 | 2024-00303002 |
| 31-12-2022 | micro format | 28-08-2023 | 2023-00362358 |
| 31-12-2021 | micro format | 24-08-2022 | 2022-20311351 |
| 31-12-2020 | micro format | 02-08-2021 | 2021-45300123 |
| 31-12-2019 | micro format | 21-09-2020 | 2020-54500519 |
| 31-12-2018 | micro format | 27-08-2019 | 2019-52400235 |
| 31-12-2017 | micro format | 03-08-2018 | 2018-42600465 |
| 31-12-2016 | micro format | 04-08-2017 | 2017-41100033 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Not every act has been read: a resignation may still be missing
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Claude Galler |
|
| Fernande Galler |
|
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
Group and network
Connections & network
2 current directorsThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
13-11
Gazette deed
Reappointments: Fernande Galler (director) and Claude Galler (director)4 facts ▸
- General meeting, 03-08-2023
- Other provision, “prorogation de la présente AG, acté” (deed in French)
- Director reappointment, Fernande Galler (director)
- Director reappointment, Claude Galler (director)
Show earlier events
About the unread acts
Of the 2 Belgian Official Gazette deeds we know for this company, 1 has been read. The other one has not been read yet: what they contain is neither established nor disproved here.
Register details
No listing in the Peppol Directory under this enterprise or VAT number. That proves nothing: being listed there is voluntary.
What can you do?
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If you follow this company, Checked tells you the day it appears in the Peppol register.
Register as of 26 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 62805B0476/00X025 | Wallonia | 567 m² | 1 · 305 m² | 28.1 m · 8 |