CLAR
ActiveCLAR has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20k and a net result of €360k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 15% of 7733 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (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
Profitability100=
Solvency29▼-70
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.61 against 3.37 in 2024; short-term debt: 77.8% and cash: 10.9% of total assets), and 96.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← 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
3.5%
Return on assets
61.8%
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 15% of 7733 sector peers (2025).
NBB · sector comparisonPosition among 7733 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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 · 7 filingsDeviation from the deadline
2025
30 d late
2024
67 d late
2023
31 d late
2022
144 d late
2021
31 d late
2020
30 d late
2019
31 d late
← before the deadline
after the deadline →
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€20k▼ 94.4%
2024 · €365k
2019: €130k
2020: €280k
2021: €479k
2022: €20k
2023: €248k
2024: €365k
2019 → 2025
Total assets
€583k▲ 17.9%
2024 · €495k
2019: €508k
2020: €597k
2021: €789k
2022: €588k
2023: €521k
2024: €495k
2019 → 2025
Net result
€360k▲ 4.6%
2024 · €344k
2019: €118k
2020: €150k
2021: €193k
2022: €172k
2023: €227k
2024: €344k
2019 → 2025
Working capital
€-178k
2024 · €230k
2019: €78k
2020: €197k
2021: €344k
2022: €7k
2023: €130k
2024: €230k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€479k-€20k▼ 95.7%€248k▲ 1,111%€365k▲ 47.2%€20k▼ 94.4%
Operating result€255k-€230k▼ 9.9%€306k▲ 33.0%€457k▲ 49.6%€480k▲ 5.1%
Net result€193k-€172k▼ 10.6%€227k▲ 31.8%€344k▲ 51.4%€360k▲ 4.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 5% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €583k
Fixed assets
€308k▲ 84.4%
Current assets
€275k▼ 16.0%
Equity and liabilities €583k
Equity
€20k▼ 94.4%
Debt
€562k▲ 333%
The debt ratio rises from 26.3% to 96.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€543k▲
2024 · €506k
Cash flow
€423k▲
2024 · €393k
Solvency
3.5%▼
2024 · 73.7%
Current ratio
0.61▼
2024 · 3.37
Quick ratio
0.61▼
2024 · 3.37
Debt / equity
27.49▲
2024 · 0.36
ROA
61.8%▼
2024 · 69.6%
Interest coverage
154.11▲
2024 · 130.36
Debt
€562k▲
2024 · €130k
Debt ≤ 1 year
€453k▲
2024 · €97k
Debt > 1 year
€109k▲
2024 · €33k
Income taxes
€117k▲
2024 · €109k
A ratio outside any meaningful range has been withheld (balance sheet total €583k, equity €20k).
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€495k€583k▲
Fixed assets21/28€167k€308k▲
Intangible fixed assets21€111k€84k▼
Tangible fixed assets22/27€55k€224k▲
Land and buildings22€4k€3k▼
Plant, machinery and equipment23€3k€4k▲
Furniture and vehicles24€47k€30k▼
Leasing and similar rights25-€185k
Other tangible fixed assets26€2k€2k▼
Financial fixed assets28€100€100=
Current assets29/58€328k€275k▼
Amounts receivable within one year40/41€155k€33k▼
Trade receivables40€14k€523▼
Other amounts receivable41€141k€33k▼
Cash at bank and in hand54/58€5k€64k▲
Deferred charges and accrued income490/1€168k€178k▲
Equity and liabilities
Total equity and liabilities10/49€495k€583k▲
Equity10/15€365k€20k▼
Contributions10/11€20k€20k=
Profit (loss) carried forward14€344k-
Amounts payable17/49€130k€562k▲
Amounts payable after more than one year17€33k€109k▲
Financial debts170/4€33k€109k▲
Amounts payable within one year42/48€97k€453k▲
Current portion of amounts payable after more than one year42€64k€63k▼
Trade debts44€2k€934▼
Suppliers440/4€2k€934▼
Taxes, remuneration and social security45€31k€29k▼
Taxes450/3€31k€29k▼
Other amounts payable47/48-€360k
Income statement
Code20242025
Non-recurring operating income76A€582-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€49k€63k▲
Other operating charges640/8€893€723▼
Gross operating margin9900€507k€544k▲
Operating profit (loss)9901€457k€480k▲
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€453k€477k▲
Income taxes67/77€109k€117k▲
Profit (loss) for the period9904€344k€360k▲
Profit (loss) for the period to be appropriated9905€344k€360k▲
Appropriation of the result
Profit (loss) to be appropriated9906€571k€704k▲
Profit (loss) brought forward from the previous period14P€227k€344k▲
Profit to be distributed694/7€227k€704k▲
Return on contributions (dividend)694€227k€704k▲
The notes to these accounts (12 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
2026
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Highest result since 2019net €360k ▲4.6%
Operating result €480k, net result €360k, both a record.
06-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 67 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-12
Financial
Equity above €200kEq €248k ▲1111%
5 profitable years in a row build equity to €248k.
22-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 144 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
Equity above €200kEq €280k ▲115%
2 profitable years in a row build equity to €280k.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Puurs-Sint-Amands · 1 establishment unit since 2019
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.
J. Hauchecornestraat 462870 Puurs-Sint-AmandsGround area
2,691 m²
Building footprint
151 m²
Volume, LiDAR
1,116 m³
Parcel 12030C0107/00A000, Flanders · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
DR. S. MAES, ANESTHESIE
since 20192.283.864.802
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12030C0107/00A000 | Flanders | 2,691 m² | 1 · 151 m² | 11.6 m · 3 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 24,503 companies in sector 82990 we hold annual accounts for 9,402. 5,832 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-01-2019
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.