CLARINVAL GUY
ActiveSummary
CLARINVAL GUY has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €853,792 and a net result of €117,420. Equity is growing by ~8.6% per year across the filed fiscal years. Its solvency ranks better than 50% of 2220 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability75▲+3
Solvency62▲+2
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55,000 at 30 days acceptable
Liquidity tight (current ratio 1.32 against 1.25 in 2024; short-term debt: 58.4% and cash: 11% of total assets), and 62.5% of the assets are financed with debt.
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Signals
Five 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 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% 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
37.5%
Return on assets
5.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-08-2026, 14 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
14 d late
2024
27 d late
2023
27 d late
2022
on the day
2021
23 d late
2020
4 d early
2019
52 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 20 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% 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. Usually files around 23 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Is the workforce growing, and do people stay?Employer check Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#4 oldest company in Beauraing, Construction sector#5 company by equity in Beauraing, Construction sector#7 company by total assets in Beauraing, Construction sector
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€117,420▲ 119%
2024 · €53,658
Working capital
€421,326▲ 25.0%
2024 · €337,125
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, 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€286,540▼ 1.1%€112,874▼ 60.6%€107,095▼ 5.1%€113,477▲ 6.0%€109,821▼ 3.2%
Net result€208,595above the sector's middle half▼ 8.5%€69,446within the sector's middle half▼ 66.7%€60,771within the sector's middle half▼ 12.5%€53,658within the sector's middle half▼ 11.7%€117,420above the sector's middle half▲ 119%
Equity€702,496within the sector's middle half▲ 29.2%€721,943within the sector's middle half▲ 2.8%€782,713within the sector's middle half▲ 8.4%€786,372within the sector's middle half▲ 0.5%€853,792above the sector's middle half▲ 8.6%
Total assets€2.4mwithin the sector's middle half▲ 11.3%€2.7mwithin the sector's middle half▲ 12.0%€2.1mwithin the sector's middle half▼ 21.4%€2.2mwithin the sector's middle half▲ 5.0%€2.3mabove the sector's middle half▲ 2.2%
Debt€1.7m▲ 5.3%€2.0m▲ 15.8%€1.3m▼ 32.2%€1.4m▲ 7.7%€1.4m▼ 1.3%
Working capital€359,617within the sector's middle half▲ 14.4%€317,844within the sector's middle half▼ 11.6%€310,218within the sector's middle half▼ 2.4%€337,125within the sector's middle half▲ 8.7%€421,326within the sector's middle half▲ 25.0%
Solvency29.1%within the sector's middle half▲ 4.0pp26.8%within the sector's middle half▼ 2.4pp36.9%within the sector's middle half▲ 10.1pp35.3%within the sector's middle half▼ 1.6pp37.5%within the sector's middle half▲ 2.2pp
Current ratio1.30within the sector's middle half▲ 0.011.19within the sector's middle half▼ 0.111.27within the sector's middle half▲ 0.071.25within the sector's middle half▼ 0.021.32within the sector's middle half▲ 0.07
Return on assets (ROA)8.7%within the sector's middle half▼ 1.9pp2.6%within the sector's middle half▼ 6.1pp2.9%within the sector's middle half▲ 0.3pp2.4%within the sector's middle half▼ 0.5pp5.2%within the sector's middle half▲ 2.7pp
Staff (FTE)27.6within the sector's middle half▲ 2.2%26.2within the sector's middle half▼ 5.1%26.4within the sector's middle half▲ 0.8%27.1within the sector's middle half▲ 2.7%29.2above the sector's middle half▲ 7.7%
above
within
below
the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.3m
Fixed assets
€526,067 ▲ 1.0%
Current assets
€1.8m ▲ 2.5%
Equity and liabilities €2.3m
Equity
€853,792 ▲ 8.6%
Debt
€1.4m ▼ 1.3%
Debt's share of the balance-sheet total falls from 64.7% to 62.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€275,565▼
2024 · €287,712
Cash flow
€283,165▲
2024 · €227,894
Quick ratio
0.68▲
2024 · 0.66
Debt to equity
1.67▼
2024 · 1.83
ROE
13.8%▲
2024 · 6.8%
Interest coverage
17.27▲
2024 · 14.24
Debt ≤ 1 year
€1.3m▼
2024 · €1.4m
Debt > 1 year
€93,601▲
2024 · €71,745
Income taxes
€26,445▼
2024 · €39,614
Staff costs
€1.6m▲
2024 · €1.4m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 20,134 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 95% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.2%
went bankrupt
4.7%
stopped otherwise
95%
still going
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 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
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 20,134 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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €58,788 | €48,564 | - | - | - | - |
| Remuneration, social security and pensions62 | €1.2m | €1.4m | €1.3m | €1.4m | €1.6m | ▲ 19.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €172,247 | €177,896 | €195,054 | €174,235 | €165,745 | ▼ 4.9% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €2,790 | - | €37,500 | - | - | - |
| Other operating charges640/8 | €29,788 | €25,830 | €16,328 | €44,214 | €17,125 | ▼ 61.3% |
| Non-recurring operating charges66A | €63,808 | €14,569 | - | - | - | - |
| Gross operating margin9900 | €1.8m | €1.7m | €1.6m | €1.7m | €1.9m | ▲ 13.5% |
| Operating profit (loss)9901 | €286,540 | €112,874 | €107,095 | €113,477 | €109,821 | ▼ 3.2% |
| Financial income75/76B | €753 | €1,838 | €221 | - | €50,000 | - |
| Recurring financial income75 | €753 | €1,838 | €221 | - | €50,000 | - |
| Financial charges65/66B | €14,163 | €13,979 | €14,429 | €20,205 | €15,956 | ▼ 21.0% |
| Recurring financial charges65 | €14,163 | €13,979 | €14,429 | €20,205 | €15,956 | ▼ 21.0% |
| Profit (loss) for the period before taxes9903 | €273,130 | €100,733 | €92,887 | €93,272 | €143,865 | ▲ 54.2% |
| Income taxes67/77 | €64,536 | €31,287 | €32,116 | €39,614 | €26,445 | ▼ 33.2% |
| Profit (loss) for the period9904 | €208,595 | €69,446 | €60,771 | €53,658 | €117,420 | ▲ 119% |
| Profit (loss) for the period to be appropriated9905 | €208,595 | €69,446 | €60,771 | €53,658 | €117,420 | ▲ 119% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.4m | €2.7m | €2.1m | €2.2m | €2.3m | ▲ 2.2% |
| Fixed assets21/28 | €855,342 | €724,060 | €646,827 | €520,992 | €526,067 | ▲ 1.0% |
| Intangible fixed assets21 | €1,764 | €5,457 | €3,595 | €2,615 | €1,635 | ▼ 37.5% |
| Tangible fixed assets22/27 | €823,578 | €688,602 | €613,232 | €488,377 | €494,432 | ▲ 1.2% |
| Plant, machinery and equipment23 | €33,755 | €42,665 | €63,305 | €52,459 | €132,692 | ▲ 153% |
| Furniture and vehicles24 | €490,445 | €443,780 | €392,740 | €336,477 | €304,571 | ▼ 9.5% |
| Leasing and similar rights25 | €273,313 | €180,751 | €140,440 | €87,214 | €49,464 | ▼ 43.3% |
| Other tangible fixed assets26 | €26,066 | €21,406 | €16,747 | €12,226 | €7,705 | ▼ 37.0% |
| Financial fixed assets28 | €30,000 | €30,000 | €30,000 | €30,000 | €30,000 | = |
| Current assets29/58 | €1.6m | €2.0m | €1.5m | €1.7m | €1.8m | ▲ 2.5% |
| Stocks and contracts in progress3 | €598,806 | €659,750 | €685,000 | €806,900 | €852,719 | ▲ 5.7% |
| Stocks30/36 | €483,704 | €517,798 | €493,352 | €806,900 | €852,719 | ▲ 5.7% |
| Contracts in progress37 | €115,102 | €141,951 | €191,647 | - | - | - |
| Amounts receivable within one year40/41 | €709,976 | €1.0m | €567,087 | €707,408 | €612,432 | ▼ 13.4% |
| Trade receivables40 | €528,995 | €809,997 | €466,485 | €579,010 | €474,108 | ▼ 18.1% |
| Other amounts receivable41 | €180,982 | €198,231 | €100,602 | €128,398 | €138,324 | ▲ 7.7% |
| Cash at bank and in hand54/58 | €213,706 | €266,108 | €198,477 | €160,613 | €250,411 | ▲ 55.9% |
| Deferred charges and accrued income490/1 | €32,370 | €40,638 | €24,845 | €32,901 | €35,473 | ▲ 7.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.4m | €2.7m | €2.1m | €2.2m | €2.3m | ▲ 2.2% |
| Equity10/15 | €702,496 | €721,943 | €782,713 | €786,372 | €853,792 | ▲ 8.6% |
| Contributions10/11 | €260,000 | €260,000 | €260,000 | €260,000 | €260,000 | = |
| Reserves13 | €51,000 | €51,000 | €51,000 | €51,000 | €51,000 | = |
| Distributable reserves133 | €51,000 | €51,000 | €51,000 | €51,000 | €51,000 | = |
| Profit (loss) carried forward14 | €391,496 | €410,943 | €471,713 | €475,372 | €542,792 | ▲ 14.2% |
| Amounts payable17/49 | €1.7m | €2.0m | €1.3m | €1.4m | €1.4m | ▼ 1.3% |
| Amounts payable after more than one year17 | €511,659 | €318,681 | €174,332 | €71,745 | €93,601 | ▲ 30.5% |
| Financial debts170/4 | €511,659 | €318,681 | €174,332 | €71,745 | €93,601 | ▲ 30.5% |
| Amounts payable within one year42/48 | €1.2m | €1.7m | €1.2m | €1.4m | €1.3m | ▼ 3.0% |
| Current portion of amounts payable after more than one year42 | €187,969 | €189,980 | €192,272 | €133,766 | €74,775 | ▼ 44.1% |
| Financial debts43 | €18,259 | €21,290 | €22,826 | €157,857 | €22,784 | ▼ 85.6% |
| Credit institutions430/8 | €18,259 | €21,290 | €22,826 | €157,857 | €22,784 | ▼ 85.6% |
| Trade debts44 | €771,308 | €658,503 | €700,904 | €718,890 | €694,689 | ▼ 3.4% |
| Suppliers440/4 | €771,308 | €658,503 | €700,904 | €718,890 | €694,689 | ▼ 3.4% |
| Advances received on contracts in progress46 | - | €620,492 | €84,710 | €82,094 | €186,980 | ▲ 128% |
| Taxes, remuneration and social security45 | €167,705 | €116,616 | €164,479 | €138,091 | €210,481 | ▲ 52.4% |
| Taxes450/3 | €36,823 | €17,814 | €99,825 | €14,350 | €2,401 | ▼ 83.3% |
| Remuneration and social security454/9 | €130,881 | €98,802 | €64,654 | €123,741 | €208,080 | ▲ 68.2% |
| Other amounts payable47/48 | €50,000 | €50,000 | - | €140,000 | €140,000 | = |
| Accrued charges and deferred income492/3 | €804 | €1,280 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €208,595 | €69,446 | €60,771 | €53,658 | €117,420 | ▲ 119% |
| + Depreciation and write-downs630 | €172,247 | €177,896 | €195,054 | €174,235 | €165,745 | ▼ 4.9% |
| Operating cash flow (approximation) | €380,841 | €247,342 | €255,824 | €227,894 | €283,165 | ▲ 24.3% |
| Investment in fixed assets (approximation) | - | -€46,613 | -€117,822 | -€48,400 | -€170,820 | ▼ 253% |
| Change in cash | - | €52,402 | -€67,631 | -€37,864 | €89,798 | ▲ 337% |
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
14-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 14 days late
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 27 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 27 days late
2023
31-07
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
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €227,950
Net result €227,950 after one loss-making year.
31-12
Financial
Equity above €500,000Eq €543,902 ▲48.6%
Equity rises from €365,952 to €543,902.
21-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 52 days late
2019
31-12
Financial
Weakest financial yearnet -€62,285
Net result drops to -€62,285, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 28 days late
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 22 days late
2017
18-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 18 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 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
7 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, Beauraing · 1 establishment unit since 1988
Ground area
4,489 m²
Building footprint
59 m²
Parcel 91108B0914/00W000, Wallonia. Linked by address, not a title deed.
1 establishment unit
CLARINVAL GUY
since 19882.034.634.980
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91108B0914/00W000 | Wallonia | 4,489 m² | 1 · 59 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
2 owners · 1 holdingChain of control
- DPC FINANCES
- CLARINVAL GUY
Highest known parent: DPC FINANCES. The sources do not say who stands above it.
Owners 2
- DPC FINANCESparent100%
- NM DUMONT INVESTparent100%
Holdings 1
-
100%
According to the 2025 annual accounts of CLARINVAL GUY 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.
Recognitions · licences · registrations
Recognised contractor
17 categoriesCLARINVAL GUY SRL45778
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Of 29,785 companies in sector 41001 we hold annual accounts for 16,058. 7,090 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
Founded23-02-1988
Fiscal year end31-12
Activities, NACEBEL 2025
25110Manufacture of metal structures and parts of structures
41001General construction of residential buildings
25401Forging of metal
43221Plumbing work
43320Joinery installation
43410Roofing work
74130Interior design
95210Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
E-invoicing
Reachable via Peppol
Peppol ID
0208:0433311470
Registered
18-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.