Clair-Office
ActiveSummary
Clair-Office has been active since 1973 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €99,695 and a net result of €5,096. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 12% of 1222 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability44▼-19
Solvency32▼-2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,500 at 30 days acceptable
Liquidity short (current ratio 0.81 against 1.0 in 2024; short-term debt: 56.4% and cash: 5.4% of total assets), and 93.2% of the assets are financed with debt.
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Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 81
Relative position
BE, all sectors
reference
Services to buildings and landscape activities (NACE 81)
about 79% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
6.8%
Return on assets
0.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 1222 sector peers (2025).
NBB · sector comparisonPosition among 1222 sector peers
Solvency
better than 12%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €99,695
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 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
12 d late
2024
2 d early
2023
8 d late
2022
31 d early
2021
23 d late
2020
2 d early
2019
13 d 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 3 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 43% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#1 oldest company in Frameries, Administrative and support services sector#5 company by total assets in Frameries, Administrative and support services sector#10 employer in Hainaut, Building services and landscaping sector
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€5,096▼ 76.1%
2024 · €21,297
Working capital
-€159,606▼ 4,001%
2024 · -€3,892
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 81, Services to buildings and landscape activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€340,043▲ 57.4%€93,548▼ 72.5%€81,432▼ 13.0%€53,272▼ 34.6%€41,500▼ 22.1%
Net result€295,256above the sector's middle half▲ 50.3%€49,619within the sector's middle half▼ 83.2%€41,731within the sector's middle half▼ 15.9%€21,297within the sector's middle half▼ 49.0%€5,096within the sector's middle half▼ 76.1%
Equity€36,952below the sector's middle half€46,571within the sector's middle half▲ 26.0%€73,302within the sector's middle half▲ 57.4%€94,599within the sector's middle half▲ 29.1%€99,695within the sector's middle half▲ 5.4%
Total assets€1.1mwithin the sector's middle half▲ 45.3%€821,637within the sector's middle half▼ 22.8%€880,307within the sector's middle half▲ 7.1%€999,150within the sector's middle half▲ 13.5%€1.5mabove the sector's middle half▲ 46.4%
Debt€1.0m▲ 15.3%€775,066▼ 24.5%€807,005▲ 4.1%€904,550▲ 12.1%€1.4m▲ 50.7%
Working capital€54,836€31,410▼ 42.7%€33,754▲ 7.5%-€3,892-€159,606▼ 4,001%
Solvency3.5%below the sector's middle half▲ 25.1pp5.7%below the sector's middle half▲ 2.2pp8.3%below the sector's middle half▲ 2.7pp9.5%below the sector's middle half▲ 1.1pp6.8%below the sector's middle half▼ 2.7pp
Staff (FTE)60.6above the sector's middle half▼ 2.6%62.3above the sector's middle half▲ 2.8%57.4above the sector's middle half▼ 7.9%52.1within the sector's middle half▼ 9.2%50.9above the sector's middle half▼ 2.3%
above
within
below
the middle half (P25 to P75) of NACE 81, Services to buildings and landscape activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 22% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.5m
Fixed assets
€797,413 ▲ 360%
Current assets
€665,193 ▼ 19.5%
Equity and liabilities €1.5m
Equity
€99,695 ▲ 5.4%
Debt
€1.4m ▲ 50.7%
Debt's share of the balance-sheet total rises from 90.5% to 93.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€109,686▼
2024 · €121,030
Cash flow
€73,282▼
2024 · €89,055
Current ratio
0.81▼
2024 · 1.00
Quick ratio
0.75▼
2024 · 0.94
Debt to equity
13.67▲
2024 · 9.56
ROE
5.1%▼
2024 · 22.5%
ROA
0.3%▼
2024 · 2.1%
Interest coverage
3.00▼
2024 · 5.01
Debt ≤ 1 year
€824,799▼
2024 · €829,833
Debt > 1 year
€538,094▲
2024 · €74,717
Income taxes
€11,857▲
2024 · €10,643
Staff costs
€2.4m▼
2024 · €2.5m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 202 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 99% are still going.
- Medium-sized
- 20 years or older
- solvency under 10%
- a profit under 5% of the balance sheet
0.5%
went bankrupt
0%
stopped otherwise
99%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 202 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €2.0m | €2.2m | €2.5m | €2.5m | €2.4m | ▼ 4.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €46,234 | €41,687 | €48,350 | €67,758 | €68,186 | ▲ 0.6% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €2,562 | €1,905 | €2,475 | - | - |
| Other operating charges640/8 | €3,126 | €3,443 | €3,592 | €4,292 | €3,872 | ▼ 9.8% |
| Non-recurring operating charges66A | €1,232 | - | €3,303 | €184 | €228 | ▲ 23.6% |
| Gross operating margin9900 | €2.4m | €2.3m | €2.6m | €2.6m | €2.5m | ▼ 4.5% |
| Operating profit (loss)9901 | €340,043 | €93,548 | €81,432 | €53,272 | €41,500 | ▼ 22.1% |
| Financial income75/76B | €973 | €1,006 | €1,794 | €2,807 | €12,024 | ▲ 328% |
| Recurring financial income75 | €973 | €1,006 | €1,794 | €2,807 | €12,024 | ▲ 328% |
| Financial charges65/66B | €20,210 | €24,851 | €24,648 | €24,140 | €36,570 | ▲ 51.5% |
| Recurring financial charges65 | €20,210 | €17,931 | €22,691 | €24,140 | €36,570 | ▲ 51.5% |
| Non-recurring financial charges66B | - | €6,920 | €1,957 | - | - | - |
| Profit (loss) for the period before taxes9903 | €320,805 | €69,703 | €58,578 | €31,940 | €16,953 | ▼ 46.9% |
| Income taxes67/77 | €25,549 | €20,084 | €16,847 | €10,643 | €11,857 | ▲ 11.4% |
| Profit (loss) for the period9904 | €295,256 | €49,619 | €41,731 | €21,297 | €5,096 | ▼ 76.1% |
| Profit (loss) for the period to be appropriated9905 | €295,256 | €49,619 | €41,731 | €21,297 | €5,096 | ▼ 76.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.1m | €821,637 | €880,307 | €999,150 | €1.5m | ▲ 46.4% |
| Fixed assets21/28 | €126,954 | €100,483 | €125,229 | €173,209 | €797,413 | ▲ 360% |
| Intangible fixed assets21 | €1,457 | €1,017 | €577 | €137 | - | - |
| Tangible fixed assets22/27 | €125,147 | €99,116 | €124,160 | €172,722 | €109,063 | ▼ 36.9% |
| Plant, machinery and equipment23 | €14,749 | €18,298 | €16,356 | €25,390 | €14,660 | ▼ 42.3% |
| Furniture and vehicles24 | €110,398 | €80,818 | €107,804 | €147,332 | €94,403 | ▼ 35.9% |
| Financial fixed assets28 | €350 | €350 | €492 | €350 | €688,350 | ▲ 196,571% |
| Current assets29/58 | €936,974 | €721,154 | €755,078 | €825,941 | €665,193 | ▼ 19.5% |
| Stocks and contracts in progress3 | €30,050 | €38,403 | €39,907 | €45,790 | €46,775 | ▲ 2.2% |
| Stocks30/36 | €30,050 | €38,403 | €39,907 | €45,790 | €46,775 | ▲ 2.2% |
| Amounts receivable within one year40/41 | €445,973 | €447,924 | €530,530 | €598,117 | €534,387 | ▼ 10.7% |
| Trade receivables40 | €430,000 | €417,167 | €481,392 | €546,837 | €454,965 | ▼ 16.8% |
| Other amounts receivable41 | €15,973 | €30,757 | €49,138 | €51,280 | €79,422 | ▲ 54.9% |
| Current investments50/53 | - | - | €50,055 | €50,055 | - | - |
| Cash at bank and in hand54/58 | €455,864 | €226,194 | €128,966 | €129,460 | €79,474 | ▼ 38.6% |
| Deferred charges and accrued income490/1 | €5,088 | €8,633 | €5,619 | €2,519 | €4,557 | ▲ 80.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.1m | €821,637 | €880,307 | €999,150 | €1.5m | ▲ 46.4% |
| Equity10/15 | €36,952 | €46,571 | €73,302 | €94,599 | €99,695 | ▲ 5.4% |
| Contributions10/11 | €24,500 | €24,500 | €24,500 | €24,500 | €24,500 | = |
| Reserves13 | €12,452 | €22,071 | €48,802 | €70,099 | €75,195 | ▲ 7.3% |
| Non-distributable reserves130/1 | €2,450 | €2,450 | - | - | - | - |
| Reserves not available under the articles1311 | €2,450 | €2,450 | - | - | - | - |
| Distributable reserves133 | €10,002 | €19,621 | €48,802 | €70,099 | €75,195 | ▲ 7.3% |
| Amounts payable17/49 | €1.0m | €775,066 | €807,005 | €904,550 | €1.4m | ▲ 50.7% |
| Amounts payable after more than one year17 | €144,837 | €85,321 | €85,128 | €74,717 | €538,094 | ▲ 620% |
| Financial debts170/4 | €144,837 | €85,321 | €85,128 | €74,717 | €538,094 | ▲ 620% |
| Amounts payable within one year42/48 | €882,138 | €689,745 | €721,324 | €829,833 | €824,799 | ▼ 0.6% |
| Current portion of amounts payable after more than one year42 | €109,888 | €100,146 | €118,502 | €110,241 | €169,590 | ▲ 53.8% |
| Financial debts43 | €79,474 | €68,309 | €73,198 | €96,417 | €42,004 | ▼ 56.4% |
| Credit institutions430/8 | €79,474 | €68,309 | €73,198 | €96,417 | €42,004 | ▼ 56.4% |
| Trade debts44 | €287,750 | €229,233 | €249,527 | €363,315 | €296,953 | ▼ 18.3% |
| Suppliers440/4 | €287,750 | €229,233 | €249,527 | €363,315 | €296,953 | ▼ 18.3% |
| Advances received on contracts in progress46 | €833 | - | - | - | €2,282 | - |
| Taxes, remuneration and social security45 | €304,177 | €251,971 | €265,096 | €259,836 | €263,946 | ▲ 1.6% |
| Taxes450/3 | €15,309 | €7,099 | €272 | €2,785 | €4,904 | ▲ 76.1% |
| Remuneration and social security454/9 | €288,868 | €244,872 | €264,825 | €257,051 | €259,042 | ▲ 0.8% |
| Other amounts payable47/48 | €100,015 | €40,086 | €15,000 | €24 | €50,024 | ▲ 207,555% |
| Accrued charges and deferred income492/3 | - | - | €554 | - | €17 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €295,256 | €49,619 | €41,731 | €21,297 | €5,096 | ▼ 76.1% |
| + Depreciation and write-downs630 | €46,234 | €41,687 | €48,350 | €67,758 | €68,186 | ▲ 0.6% |
| Operating cash flow (approximation) | €341,490 | €91,306 | €90,081 | €89,055 | €73,282 | ▼ 17.7% |
| Investment in fixed assets (approximation) | - | -€15,216 | -€73,096 | -€115,738 | -€692,390 | ▼ 498% |
| Change in cash | - | -€229,669 | -€97,228 | €494 | -€49,986 | ▼ 10,224% |
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
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 12 days late
2025
31-12
Financial
Weakest financial yearnet €5,096 ▼76.1%
Net result drops to €5,096, the lowest in the series.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
08-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 8 days late
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 23 days late
2021
31-12
Financial
Highest result since 2018net €295,256 ▲50.3%
Operating result €340,043, net result €295,256, both a record.
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
13-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 13 days late
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 59 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Frameries · 1 establishment unit since 1973
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.
Av. des Nouvelles Technologies 717080 Frameries1 establishment unit
Av. des Nouvelles Technologies 71, 7080 Frameries
since 19732.008.647.195
Structure & network
Owners and holdings
1 owner · 2 holdingsChain of control
- FINWALL
- Clair-Office
Highest known parent: FINWALL. The sources do not say who stands above it.
Owners 1
- FINWALLparentSourceaccounts FINWALL 2025100%
Holdings 2
-
100%
-
100%
According to the 2025 annual accounts of Clair-Office and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 6,996 companies in sector 81220 we hold annual accounts for 2,414. 2,013 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
Founded21-09-1973
Fiscal year end31-12
Activities, NACEBEL 2025
81210General cleaning of buildings
81220Other building cleaning and industrial cleaning
Contact
E-mail
info@clair-office.com
Phone
065 31 96 58
Fax
065 35 33 34
E-invoicing
Reachable via Peppol
Peppol ID
0208:0413487838
Registered
27-03-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.