Equity
€42,225 ▲ 95.8%
CLASEMA paid out €52,941 in dividends. That is 72% of the 2025 profit.
CLASEMA
Lifetime
5 annual accounts with figures on one time axispeak €106,038 (2025)
€106,038▲ 96.9%
peak €73,603 (2025)
€73,603▲ 127%
peak €42,225 (2025)
€42,225▲ 95.8%
€94,661▲ 34.8%
Board1 name since 2020
-
Documentsfilings and deeds
28-05-202664 days before the deadline
2025micro format
Gross margin from €53,854 to €106,038Result from €32,401 to €73,603Dividend €52,941Equity from €21,563 to €42,225Debts from €70,237 to €94,661Cash from €5,837 to €11,968
Key points
from the 2025 annual accountsTurnover
≈ €350,000 estimated
The micro format states no turnover.
Filings
5 annual accounts since 2021
The last five annual accounts were filed 51 to 64 days before the end of the period.
Starting capital
€5,000 100 shares
At the same address
243 companies
Position in the sector
€73,603
Higher net result than 93% of companies in construction of buildings. Sector median €8,554 · 9,452 companies.
Checked score
53
Fair
Financially stronger than 60% of micro companies in construction of buildings (NACE 41)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.6% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,458 companies (NACE 41, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 3.1%
01-2025: 3.1%● unchanged vs 12-2024
02-2025: 3.1%● unchanged vs 01-2025
03-2025: 3.0%▼ -0.1 percentage points vs 02-2025
04-2025: 3.2%▲ +0.2 percentage points vs 03-2025
05-2025: 3.5%▲ +0.3 percentage points vs 04-2025highest value
06-2025: 3.5%● unchanged vs 05-2025
07-2025: 3.4%▼ -0.1 percentage points vs 06-2025
08-2025: 3.3%▼ -0.1 percentage points vs 07-2025
09-2025: 3.1%▼ -0.2 percentage points vs 08-2025
10-2025: 3.1%● unchanged vs 09-2025
11-2025: 3.1%● unchanged vs 10-2025
12-2025: 3.1%● unchanged vs 11-2025
01-2026: 3.1%● unchanged vs 12-2025
02-2026: 2.9%▼ -0.2 percentage points vs 01-2026
03-2026: 2.9%● unchanged vs 02-2026
04-2026: 3.2%▲ +0.3 percentage points vs 03-2026
05-2026: 3.2%● unchanged vs 04-2026
06-2026: 3.2%● unchanged vs 05-2026
07-2026: 3.3%▲ +0.1 percentage points vs 06-2026
08-2026: 3.3%● unchanged vs 07-2026
09-2026: 2.6%▼ -0.7 percentage points vs 08-2026lowest value
10-2026: 2.6%● unchanged vs 09-2026lowest value
11-2026: 2.6%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Sector: Construction of residential and non-residential buildings (NACE 41)
Founded in 2020
Size: total assets €136,886
lowers risk
Figures for financial year 2025 (filed on 04-06-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro). It does better than 38% of them on solvency, 21% on liquidity, 91% on profitability and 88% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 26,972 companies had the same profile as CLASEMA has now. Each dot stands for 68 companies, two years later.
94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of CLASEMA itself is higher: 2.6% within 12 months. It rests on far more data about CLASEMA than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 26,972 companies, not a prediction for CLASEMA. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €2,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.33 (1.19 in 2024), below the usual 1.5. Short-term debt is 66% and cash 8.7% of total assets. 69.2% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-05-2026, 64 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
64 days early
2024
56 days early
2023
57 days early
2022
51 days early
2021
52 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 5 accounts on average 56 days before the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 5 June (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
last known board- PAUL Francisc Sebastian 100 sharesdeed of 08-06-2020
Recent changes
Registered office moved from Kraainem to Drogebos
New registered office: W.A.Mozartlaan 2, 1620 Drogebos · Previous registered office: Chaussée de Melines 455, 1950 Kraainem · General meeting of 21-05-2026 · Gazette deed
Incorporation
Founding capital of €5,000, 100 shares · Founder: PAUL Francisc Sebastian (comparant) · Appointment: PAUL Francisc Sebastian (director) · published on 08-06-2020 · Gazette deed
First establishment
Steenweg op Mechelen 455, Kraainem
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CLASEMA Drogenbos | €136,886 | €106,038 | 30.8% | - |
| VERTONGHEN NIC Londerzeel | €140,778 | €96,331 | 70.8% | - |
| NVTA Halle | €151,312 | €96,316 | 54.5% | - |
| STR CONSTRUCT Asse | €118,785 | €101,463 | 70.7% | - |
| ART PROJEKT Affligem | €121,746 | €86,542 | 13.6% | - |
| AM BAT Wemmel | €151,385 | €85,423 | 54.1% | - |
| SMK Project & Renovation Machelen (Brab.) | €137,461 | €129,075 | 69.2% | - |
These companies have the same main activity as CLASEMA: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €119,000 and €151,000, founded between 2019 and 2021.
Official details
Source: KBO- Status
- Active since 04-06-2020Normal situation
- Registered office
- 247 active companies are registered at this address39 started in the 12 months before. Source: KBO register, as of 10 November 2026.
- Activity
- General construction of residential buildingsNACE 41001and 3 others
- Joint committee
- 200Auxiliary committee for white-collar workers · annual accounts 2024
- Establishment unit
- 2.304.150.6681950 Kraainem, since 04-06-2020
- Financial year end
- 31 December
- Peppol
- Reachable
Annual accounts 2025
- €136,886▲ 49.1%
- Filing
- Filed on 28-05-2026, 64 days before the end of the filing period
Insights on CLASEMA
CLASEMA files the micro format. That format states no turnover. The gross margin rose from €27,582 in 2021 to €106,038 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about CLASEMA
- What is the company number of CLASEMA?
- The company number of CLASEMA is 0747.890.883. The VAT number is the same number with BE in front: BE 0747.890.883.
- Where is CLASEMA based?
- The registered office is at W.A. Mozartlaan 2, 1620 Drogenbos.Company details
- What does CLASEMA do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of CLASEMA?
- CLASEMA is a private limited company (BV).
- When was CLASEMA founded?
- CLASEMA was founded on 04-06-2020.
- Is CLASEMA still active?
- Yes, CLASEMA is an active enterprise in the KBO register.
- How many employees does CLASEMA have?
- CLASEMA had an average of 0.1 full-time equivalents in financial year 2024, according to the filed annual accounts.Financials
- Which joint committee does CLASEMA fall under?
- In its 2024 annual accounts, CLASEMA states joint committee 200 (Auxiliary committee for white-collar workers).
- What is the turnover of CLASEMA?
- The turnover in financial year 2025 is ≈ €350,000. This figure is estimated from the gross margin of €106,038 and 97 comparable companies (NACE 41001). It probably lies between €250,000 and €540,000.
- Is CLASEMA profitable?
- In financial year 2025, CLASEMA made a profit of €73,603.
- Where can I find the annual accounts of CLASEMA?
- CLASEMA filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CLASEMA due?
- CLASEMA must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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