Skip to content

CLAST

Active
Private limited companyfounded 198936 yrs activeVijvestraat 90, 8720 Dentergem, BelgiumKBO/BCE: BE 0439.601.228

CLAST has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €689k and a net result of €95k. Equity is growing by ~13.6% per year across the filed fiscal years. Its solvency ranks better than 66% of 8601 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Checked score

Score 2025
86 / 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▲+1
Solvency95▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity ample (current ratio 1.82 against 1.55 in 2024; short-term debt: 23.8% and cash: 21.1% of total assets), and 30.5% 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 riskneutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
elevated failure risk from 2 to 8 years 36 years 0 40 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
69.5%
Return on assets
9.6%
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 25-11-2025, 156 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
156 d early
2024
7 d early
2023
131 d early
2022
2 d early
2021
1 d early
2020
3 d early
2019
63 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 months
Position in the running window
17-09-2026 today30-09-2026 close30-04-2027 deadline
neutral · 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

Financials · fiscal year 2025, abbreviated schema

Equity
€689k▲ 11.0%
2024 · €621k
2018: €241k 2019: €325k 2020: €340k 2021: €446k 2022: €487k 2023: €573k 2024: €621k
2018 → 2025
Total assets
€992k▲ 6.7%
2024 · €929k
2018: €633k 2019: €681k 2020: €669k 2021: €829k 2022: €779k 2023: €891k 2024: €929k
2018 → 2025
Net result
€95k▲ 13.7%
2024 · €84k
2018: €-20k 2019: €59k 2020: €17k 2021: €38k 2022: €42k 2023: €88k 2024: €84k
2018 → 2025
Working capital
€194k▲ 55.4%
2024 · €125k
2018: €-165k 2019: €-109k 2020: €-98k 2021: €-55k 2022: €-12k 2023: €75k 2024: €125k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20212022202320242025Trend
Equity€446k-€487k▲ 9.2%€573k▲ 17.7%€621k▲ 8.4%€689k▲ 11.0%
Operating result€66k-€65k▼ 0.8%€134k▲ 105%€125k▼ 6.5%€142k▲ 13.7%
Net result€38k-€42k▲ 11.0%€88k▲ 107%€84k▼ 4.7%€95k▲ 13.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€50k€100k€150kOperating result 2021: €66k€66kNet result 2021: €38k€38kOperating result 2022: €65k€65kNet result 2022: €42k€42kOperating result 2023: €134k€134kNet result 2023: €88k€88kOperating result 2024: €125k€125kNet result 2024: €84k€84kOperating result 2025: €142k€142kNet result 2025: €95k€95k20212022202320242025
The operating result recovers in 2025; 2025 is 14% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €992k
Fixed assets €562k▼ 2.9%
Current assets €430k▲ 22.6%
Equity and liabilities €992k
Equity €689k▲ 11.0%
Provisions €51k▼ 6.1%
Debt €251k▼ 1.2%
The debt ratio falls from 27.3% to 25.3%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€159k
2024 · €142k
Cash flow
€112k
2024 · €101k
Solvency
69.5%
2024 · 66.8%
Current ratio
1.82
2024 · 1.55
Quick ratio
1.82
2024 · 1.55
Debt / equity
0.36
2024 · 0.41
ROE
13.8%
2024 · 13.5%
ROA
9.6%
2024 · 9.0%
Interest coverage
13.68
2024 · 11.28
Debt
€251k
2024 · €254k
Debt ≤ 1 year
€236k
2024 · €226k
Debt > 1 year
€14k
2024 · €27k
Income taxes
€44k
2024 · €38k
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€929k€992k
Fixed assets21/28€579k€562k
Tangible fixed assets22/27€455k€438k
Land and buildings22€455k€438k
Financial fixed assets28€124k€124k=
Current assets29/58€351k€430k
Amounts receivable within one year40/41€39k€18k
Trade receivables40€39k€18k
Other amounts receivable41€0-
Current investments50/53€200k€200k=
Cash at bank and in hand54/58€109k€210k
Deferred charges and accrued income490/1€3k€2k
Equity and liabilities
Total equity and liabilities10/49€929k€992k
Equity10/15€621k€689k
Contributions10/11€103k€103k=
Reserves13€518k€587k
Tax-exempt reserves132€178k€168k
Distributable reserves133€340k€419k
Profit (loss) carried forward14€0€0=
Provisions and deferred taxes16€55k€51k
Deferred taxes168€55k€51k
Amounts payable17/49€254k€251k
Amounts payable after more than one year17€27k€14k
Financial debts170/4€27k€14k
Amounts payable within one year42/48€226k€236k
Current portion of amounts payable after more than one year42€13k€13k
Financial debts43-€12k
Credit institutions430/8-€12k
Trade debts44€0€254
Suppliers440/4€0€254
Taxes, remuneration and social security45€20k€26k
Taxes450/3€20k€26k
Remuneration and social security454/9€0-
Other amounts payable47/48€194k€185k
Accrued charges and deferred income492/3€407€216
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€17k
Other operating charges640/8€11k€11k
Gross operating margin9900€154k€170k
Operating profit (loss)9901€125k€142k
Financial income75/76B€5k€6k
Recurring financial income75€5k€6k
Financial charges65/66B€13k€12k
Recurring financial charges65€13k€12k
Profit (loss) for the period before taxes9903€118k€136k
Transfer from deferred taxes780€3k€3k=
Income taxes67/77€38k€44k
Profit (loss) for the period9904€84k€95k
Transfer from tax-exempt reserves789€10k€10k=
Profit (loss) for the period to be appropriated9905€94k€105k
Appropriation of the result
Profit (loss) to be appropriated9906€94k€105k
Transfer from equity791/2€34k€25k
Transfer to equity691/2€92k€104k
To other reserves6921€92k€104k
Profit to be distributed694/7€36k€27k
Return on contributions (dividend)694€36k€27k
Social balance
Average headcount (FTE)90870.00.0=

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 30-04-2027
2025
25-11
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema
30-09
Financial Highest result since 2018net €95k ▲13.7%
Operating result €142k, net result €95k, both a record.
23-04
NBB filing Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
21-12
NBB filing Annual accounts filed
fiscal year 2023 · abbreviated schema
30-09
Financial Equity above €500kEq €573k ▲17.7%
5 profitable years in a row build equity to €573k.
28-04
NBB filing Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
29-04
NBB filing Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
27-04
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
27-02
NBB filing Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial Back to profitnet €59k
Net result €59k after one loss-making year.
22-02
NBB filing Annual accounts filed
fiscal year 2018 · micro schema
2018
07-03
NBB filing Annual accounts filed
fiscal year 2017 · micro schema
2017
03-02
NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors
3 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, Dentergem · 1 establishment unit since 1990
establishment The establishment unit on the map
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.

Vijvestraat 908720 Dentergem
Ground area
3,792 m²
Building footprint
235 m²
Volume, LiDAR
1,272 m³
2 parcels, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CLAST NV
Vijvestraat 34, 8720 DentergemInsurance, reinsurance and pension funding, except compulsory social security
since 19902.046.932.701
2 parcels
Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
37016B1093/00M000 Flanders 2,014 m² 1 · 235 m² 9.0 m · 2 fl.
37008B0446/00R007 Flanders 1,778 m² - -
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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

Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 31,717 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification
Legal formPrivate limited company
Founded13-12-1989
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers

Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.