Skip to content

Clareco

Active
Private limited company·Activiteiten van holdings· 3 yrs active
Baron Descampslaan 112 ·3018 Leuven, Belgium
KBO/BCE: BE 0802.684.601
Watch Print / PDF
Full dossier in preparation

Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.

Process with priority Sign in free to move this company to the front.
Age3 yrs
Real estate1 parcel · 2,143 m²

Summary

Conclusion

the dossier summarised in one paragraph

Clareco 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 €380 and a net result of €-1k. Its solvency ranks better than 44% of 1211 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Filing behaviour

From the deposit records, complete market-wide
Filed more than 90 days late
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 13-02-2026, 105 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
How we compute the deadline
There is a single filed set of accounts, closing on 31-03. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-03-2025, that is 31-10-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-03-2025 31-10-2025 13-02-2026 105 d late 2026-00037965

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Financials

Equity€380
Net result€-1k
Total assets€960
Solvency39.6%

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 13-02-2026 with the NBB · fiscal year 2025 · micro
Sector comparison
Fiscal year 2025 · NACE 64, Financial services · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 39.6% 47.4%
better than 44% of 1211 sector peers
Net result €-1k €43k
better than 10% of 1210 sector peers
Equity €380 €85k
better than 8% of 1211 sector peers
Total assets €960 €211k
better than 5% of 1211 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2025
Depositmicro
Revenuen/a
EBITDAn/a
Net profit€-1k
Cash flown/a
Staff costs-
Income taxes-
Dividends-
Total assets€960
Equity€380
Debt€580
of which ≤ 1y€580
of which > 1y-
Working capitaln/a
Employees (FTE)-
Ratios (computed)
2025
Current ration/a
Quick ration/a
Working capital ration/a
Solvency39.6%
Debt / equityn/a
Long-term debt ration/a
Interest coveragen/a
Gross marginn/a
Net marginn/a
ROA-137.5%
ROE-347.4%
EBITDA marginn/a
Days sales outstandingn/a
Days payable outstandingn/a
Inventory turnovern/a
Days inventory (DSI)n/a
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€960
Formation expenses 20€876
Current assets 29/58€84
Cash & bank 54/58€84
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€960
Equity 10/15€380
Contributions / capital 10/11€2k
Accumulated profits (losses) 14€-1k
Amounts payable 17/49€580
Amounts payable within one year 42/48€580
Income statement
Operating result 9901€-1k
Financial charges 65€63
Result before taxes 9903€-1k
Net result for the period 9904€-1k
Result to be appropriated 9905€-1k
Ratios computed by Checked.

Health barometer

FY 2025 · computed
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.

Locations & real estate

Registered office

on the map · from the address register
exact location from the address register On OpenStreetMap
3 companies at this address See who is registered here
Parcels1
Ground area2,143 m²
Buildings1
Building footprint775 m²
Volume (LiDAR)4,588 m³
Tallest building10.3 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
24038C0200/00K000 Flanders 2,143 m² 1 · 775 m² 10.3 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

4 acts
Address history · 1
22-12-2023
v3.2
All acts · 4 updated 3 months ago
2026
05-05-2026 Officer resignation · Officer appointment · Permanent representative · General meeting Open-capture extraction
  • Filing: 2026-04-03 · VAN den BERGH
  • Publication: 2026-05-05 · VAN den BERGH
  • Officer resignation: role: bestuurders en gedelegeerd bestuurders, effective_date: 2026-04-01 · Erik Van den Bergh
  • Officer resignation: role: bestuurders en gedelegeerd bestuurders, effective_date: 2026-04-01 · Gonda Van den Bergh
  • Officer resignation: role: bestuurders en gedelegeerd bestuurders, effective_date: 2026-04-01 · Ilse Van den Bergh
  • Officer appointment: role: bestuurders, effective_date: 2026-04-01 · CLARECO BV
  • Permanent representative: role: vaste vertegenwoordiger · Bert Van de Eynde
  • Officer appointment: role: bestuurders, effective_date: 2026-04-01 · Kirstof Van Schoote
  • Officer appointment: role: bestuurders, effective_date: 2026-04-01 · Gert Sabo
  • General meeting: 2026-04-01 · VAN den BERGH
  • Act object: Ontslag en benoeming bestuurders
Summary: Officer resignation · Officer appointment · Permanent representative · General meeting
18-03-2026 Publication in the Belgian Official Gazette, Miscellaneous Miscellaneous·Karel LACQUET
Summary: otherNotary: Karel LACQUET · Herent
2023
22-12-2023 Registered office moved from Haacht to Winksele Registered-office change
  • Dijkstraat 42, 3150 Haacht → Paardenveldstraat 25, 3020 Winksele
Summary: v3.2
15-06-2023 Incorporation of a new BV Incorporation
Summary: oprichting

Analysis

Snowflake analysis

financial profile on 5 axes
Health-Profitability0Solvency50Growth-Stability79
43 / 100

This figure rests on 3 of 5 axes. Too few to say where this company is strong or weak.

Computed on 3 of 5 axes. Not measured: health, growth. An unmeasured axis is not a zero: no data was read for it.

Health -
Profitability 0
Solvency 50
Growth -
Stability 79

Ask AI about this company

Checked AI

Soon: ask questions about this dossier, risks, curator, sector comparison, answered from the official data on this page.

TryWhat are the main risks?Any recent red flags?Compare to sector peers
Coming soon

AI due-diligence brief

Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works

Credit advice

verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 5,518 of the 24,679 companies in this sector. 187 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Activiteiten van holdings64210Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200
Primary activity highlighted.
Names & trade names
Legal nameNL Clareco
Registered office
Baron Descampslaan 112
3018 Leuven, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.