CLARIFAR
ActiveCLARIFAR has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €93k and a net result of €24k. Equity is growing by ~20.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 7694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+16
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 33.39 against 12.63 in 2024; short-term debt: 3% and cash: 94.4% of total assets), and 3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
97%
Return on assets
25.5%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-03-2026, 31 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
31 d early
2024
30 d early
2023
32 d early
2022
30 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€93k▲ 9.9%
2024 · €84k
2022: €48k
2023: €68k
2024: €84k
2022 → 2025
Total assets
€95k▲ 4.4%
2024 · €92k
2022: €68k
2023: €79k
2024: €92k
2022 → 2025
Net result
€24k▲ 44.2%
2024 · €17k
2022: €45k
2023: €21k
2024: €17k
2022 → 2025
Working capital
€93k▲ 9.9%
2024 · €84k
2022: €48k
2023: €68k
2024: €84k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€48k-€68k▲ 41.2%€84k▲ 23.4%€93k▲ 9.9%
Operating result€62k-€29k▼ 54.2%€21k▼ 24.8%€31k▲ 43.9%
Net result€45k-€21k▼ 54.1%€17k▼ 18.4%€24k▲ 44.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 44% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €95k
Equity
€93k▲ 9.9%
Debt
€3k▼ 60.5%
The debt ratio falls from 7.9% to 3.0%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
97.0%▲
2024 · 92.1%
Current ratio
33.39▲
2024 · 12.63
Quick ratio
33.39▲
2024 · 12.63
Debt / equity
0.03▼
2024 · 0.09
ROE
26.3%▲
2024 · 20.1%
ROA
25.5%▲
2024 · 18.5%
Debt
€3k▼
2024 · €7k
Debt ≤ 1 year
€3k▼
2024 · €7k
Income taxes
€6k▲
2024 · €5k
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€92k€95k▲
Current assets29/58€92k€95k▲
Amounts receivable within one year40/41€4k€5k▲
Trade receivables40€4k€5k▲
Cash at bank and in hand54/58€88k€90k▲
Equity and liabilities
Total equity and liabilities10/49€92k€95k▲
Equity10/15€84k€93k▲
Contributions10/11€4k€4k=
Reserves13€80k€88k▲
Distributable reserves133€80k€88k▲
Profit (loss) carried forward14€7€381▲
Amounts payable17/49€7k€3k▼
Amounts payable within one year42/48€7k€3k▼
Trade debts44€484€88▼
Suppliers440/4€484€88▼
Taxes, remuneration and social security45€6k€3k▼
Taxes450/3€6k€3k▼
Other amounts payable47/48€900-
Income statement
Code20242025
Other operating charges640/8€857€731▼
Gross operating margin9900€22k€32k▲
Operating profit (loss)9901€21k€31k▲
Financial income75/76B€72-
Recurring financial income75€72-
Financial charges65/66B€138€138=
Recurring financial charges65€138€138=
Profit (loss) for the period before taxes9903€21k€31k▲
Income taxes67/77€5k€6k▲
Profit (loss) for the period9904€17k€24k▲
Profit (loss) for the period to be appropriated9905€17k€24k▲
Appropriation of the result
Profit (loss) to be appropriated9906€17k€24k▲
Profit (loss) brought forward from the previous period14P€11€7▼
Transfer from equity791/2-€16k
Transfer to equity691/2€16k€24k▲
To other reserves6921€16k€24k▲
Profit to be distributed694/7€900€16k▲
Return on contributions (dividend)694€900€16k▲
The notes to these accounts (2 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
30-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Liquidity triplescurrent ratio 33.39
Current ratio from 12.63 to 33.39; short-term debt falls from €7k to €3k.
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Weakest financial yearnet €17k ▼18.4%
Net result drops to €17k, the lowest in the series; recovery starts the following year.
29-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Liquidity doublescurrent ratio 7.45
Current ratio from 3.44 to 7.45; short-term debt falls from €20k to €11k.
31-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Merelbeke-Melle · 1 establishment unit since 2020
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.
Molenstraat 999820 Merelbeke-MelleGround area
1,462 m²
Building footprint
304 m²
Volume, LiDAR
1,414 m³
Parcel 44058B0194/00K002, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CLARIFAR
since 20202.309.813.884
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44058B0194/00K002 | Flanders | 1,462 m² | 1 · 304 m² | 9.2 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.
Similar companies · same sector, comparable size
HARRYBO
BE 0797.785.507
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COLLECTIEF ONTWIKKELT
BE 0745.782.817
Stekene · Eq €93k
DSAdmin
BE 0834.857.422
Kontich · Eq €93k
GROUPE GRANDJEAN LUX
BE 0892.103.555
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ESSENSIO
BE 0871.496.104
Bilzen-Hoeselt · Eq €93k
Of 24,505 companies in sector 82990 we hold annual accounts for 9,396. 7,176 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-10-2020
Fiscal year end30-09
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.