CLAIR is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €145k and a net result of €64k. Equity is growing by ~22.4% per year across the filed fiscal years. Its solvency ranks better than 72% of 3323 sector peers (fiscal year 2024). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
31 d late
2022
30 d late
2021
31 d late
2020
30 d late
2019
132 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€145k▲ 54.2%
2023 · €94k
2018: €44k
2019: €41k
2020: €37k
2021: €83k
2022: €99k
2023: €94k
2018 → 2024
Net result
€64k▲ 17.4%
2023 · €54k
2018: €14k
2019: €-3k
2020: €10k
2021: €46k
2022: €36k
2023: €54k
2018 → 2024
Total assets
€197k▼ 3.8%
2023 · €205k
2018: €89k
2019: €106k
2020: €98k
2021: €161k
2022: €167k
2023: €205k
2018 → 2024
Solvency
73.4%▲ 27.6pp
2023 · 45.8%
2018: 49.9%
2019: 39.0%
2020: 38.0%
2021: 51.7%
2022: 59.7%
2023: 45.8%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€143k-€323k▲ 126%
Equity€37k-€83k▲ 122%€99k▲ 19.8%€94k▼ 5.6%€145k▲ 54.2%
Operating result€14k-€59k▲ 319%€48k▼ 19.3%€81k▲ 69.4%€80k▼ 2.0%
Net result€10k-€46k▲ 347%€36k▼ 20.2%€54k▲ 49.4%€64k▲ 17.4%
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 2% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €197k
Fixed assets
€24k▼ 29.0%
Current assets
€173k▲ 1.3%
Equity and liabilities €197k
Equity
€145k▲ 54.2%
Debt
€53k▼ 52.7%
The debt ratio falls from 54.2% to 26.6%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
73.4%▲
2023 · 45.8%
ROE
44.1%▼
2023 · 58.0%
ROA
32.4%▲
2023 · 26.5%
Debt
€53k▼
2023 · €111k
Debt ≤ 1 year
€53k▼
2023 · €111k
Income taxes
€16k▼
2023 · €29k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€205k€197k▼
Fixed assets21/28€34k€24k▼
Tangible fixed assets22/27€34k€24k▼
Furniture and vehicles24€32k€23k▼
Other tangible fixed assets26€2k€982▼
Current assets29/58€171k€173k▲
Amounts receivable within one year40/41€77k€52k▼
Trade receivables40€76k€35k▼
Other amounts receivable41€944€17k▲
Cash at bank and in hand54/58€93k€120k▲
Deferred charges and accrued income490/1€0€569▲
Equity and liabilities
Total equity and liabilities10/49€205k€197k▼
Equity10/15€94k€145k▲
Contributions10/11€20k€20k=
Reserves13€73k€124k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€73k€124k▲
Amounts payable17/49€111k€53k▼
Amounts payable within one year42/48€111k€53k▼
Current portion of amounts payable after more than one year42€0-
Trade debts44€5k€6k▲
Suppliers440/4€5k€6k▲
Taxes, remuneration and social security45€45k€37k▼
Taxes450/3€45k€37k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€61k€10k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€10k▲
Non-recurring operating charges66A-€1k
Gross operating margin9900€90k€91k▲
Operating profit (loss)9901€81k€80k▼
Financial income75/76B€2k€608▼
Recurring financial income75€2k€608▼
Financial charges65/66B€209€304▲
Recurring financial charges65€209€304▲
Profit (loss) for the period before taxes9903€83k€80k▼
Income taxes67/77€29k€16k▼
Profit (loss) for the period9904€54k€64k▲
Profit (loss) for the period to be appropriated9905€54k€64k▲
Appropriation of the result
Profit (loss) to be appropriated9906€54k€64k▲
Transfer from equity791/2€76k-
Transfer to equity691/2€70k€51k▼
To the legal reserve6920-€864
To other reserves6921€70k€50k▼
Profit to be distributed694/7€60k€13k▼
Return on contributions (dividend)694€60k€13k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Highest result since 2018net €64k ▲17.4%
Net result €64k, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 3.29
Current ratio from 1.54 to 3.29; short-term debt falls from €111k to €53k.
31-12
Financial
Equity above €100kEq €145k ▲54.2%
5 profitable years in a row build equity to €145k.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
10-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 132 days late
2019
31-12
Financial
Weakest financial yearnet €-3k ▼121%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
24-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 55 days late
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
25-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 56 days late
2016
29-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Jalhay · 1 establishment unit since 2008
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.
Route du Lac de Warfa(SART) 74845 JalhayGround area
94 m²
Building footprint
94 m²
Volume, LiDAR
430 m³
Parcel 63068C0811/00M000, Wallonia · tallest building 6.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CLAIR
since 20082.171.580.471
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63068C0811/00M000 | Wallonia | 94 m² | 1 · 94 m² | 6.0 m · 2 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.
Recognitions · licences · registrations
Legal Entity Identifier
875500QMAP771MG95Z68
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Of 853 companies in sector 66210 we hold annual accounts for 511. 443 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-06-2008
Fiscal year end31-12
Activities, NACEBEL
66210Risk and damage evaluation
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.