CLARCY CONSULTING

Active

Private limited companyfounded 20215 yrs activeBrusselstraat 472, 1702 Dilbeek, BelgiumKBO/BCE: BE 0767.503.293

Summary

CLARCY CONSULTING has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €11,194 and a net result of -€652. Equity is growing by ~48.6% per year across the filed fiscal years. Its solvency ranks better than 45% of 538 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).

Risk analysisWatch Report Compare

CLARCY CONSULTINGActiveChecked score 67/100

Risk analysis Report Compare

Activity

Travel agency activities

NACE 79110

1 site

Size

€34,325total assets 2025

Equity: €11,194
Loss: -€652

Turnover not published (abridged schema)

Financial health

67 Healthy Checked score 2025

Bankruptcy chance 12 m: 0.8%

Structure

Accounts filed 26 d late0 of 1 deed read

Why 67- Founded in 2021- Latest accounts 26 days late+ Liquidity: current ratio 1.14, cash €6,847, halved+ Figures for FY 2025 (filed 26-08-2026)Show the evidence

Checked score

Score 2025

67 / 100

Healthy

Probability in this band: 0.55% to 1.5%

Better than 30% of its sector peers (NACE 79, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Weak

Solvency 58-19

equity 32.6% of total assets

Liquidity 39-37

short-term debt 67.4% · cash 19.9%

Profitability 28-72

return on assets -1.9%

Bankruptcy probability, 12 months

0.8% Low

0%0.5%1.5%4%10%≥ 25%

About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.3% (999 companies)

Last 24 months 11-2024: 1.3%highest value 12-2024: 1.3%● 0.0% vs 11-2024highest value 01-2025: 1.1%▼ -17.9% vs 12-2024 02-2025: 1.0%▼ -0.9% vs 01-2025 03-2025: 1.0%● 0.0% vs 02-2025 04-2025: 1.0%▼ -1.9% vs 03-2025 05-2025: 1.1%▲ +4.1% vs 04-2025 06-2025: 1.1%▲ +2.3% vs 05-2025 07-2025: 1.2%▲ +6.8% vs 06-2025 08-2025: 0.3%▼ -77.0% vs 07-2025lowest value 09-2025: 0.3%▲ +3.0% vs 08-2025 10-2025: 0.3%● 0.0% vs 09-2025 11-2025: 0.3%● 0.0% vs 10-2025 12-2025: 0.3%● 0.0% vs 11-2025 01-2026: 0.3%▼ -1.1% vs 12-2025 02-2026: 0.3%▼ -1.8% vs 01-2026lowest value 03-2026: 0.3%▲ +6.3% vs 02-2026 04-2026: 0.3%▲ +8.1% vs 03-2026 05-2026: 0.3%▲ +8.8% vs 04-2026 06-2026: 0.3%▲ +2.4% vs 05-2026 07-2026: 0.4%▲ +9.6% vs 06-2026 08-2026: 0.6%▲ +54.8% vs 07-2026 09-2026: 0.8%▲ +40.7% vs 08-2026 10-2026: 0.8%● 0.0% vs 09-2026

Founded in 2021 raises the probability for this profile
Liquidity: current ratio 1.14, cash €6,847, halved lowers the probability
Figures for FY 2025 (filed 26-08-2026) lowers the probability
Latest accounts 26 days late raises the probability

Credit up to €500 at 30 days acceptable

Liquidity tight (current ratio 1.14 against 1.84 in 2024; short-term debt: 67.4% and cash: 19.9% of total assets), and 67.4% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 79, micro). Better than this share of them on solvency 49%, liquidity 22%, profitability 23%, growth against the median 29%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 06-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Founded in 2021

In the bankruptcy model this factor raises the probability for this profile.

KBO

Liquidity: current ratio 1.14, cash €6,847, halved

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Figures for FY 2025 (filed 26-08-2026)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Latest accounts 26 days late

In the bankruptcy model this factor raises the probability.

NBB · filings

A punctual record breaks

This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.

NBB · 5 filings

Deviation from the deadline

2025

26 d late

2024

16 d early

2023

48 d early

2022

5 d early

2021

39 d early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 5 accounts on average 16 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% of the sector filed late.

Checked, nothing found (2)

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. Usually files around 15 July (4 of the last 5 filed years within 31 days of that day).

Companies Code · seven months

Position in the running window

06-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage