Summary
CLATIMMO 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 €827,660 and a net result of €79,772. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 48% of 5651 sector peers (fiscal year 2025). The company has been active since 1973 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
17 d early
2023
13 d early
2022
35 d early
2021
9 d early
2020
82 d early
2019
21 d early
← 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 29 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% 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 14 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#1 oldest company in Zedelgem, Finance and insurance sector
Equity
€827,660▼ 11.5%
2024 · €935,156
Net result
€79,772▼ 3.8%
2024 · €82,902
Total assets
€1.7m▼ 2.7%
2024 · €1.8m
Solvency
48.6%▼ 4.8pp
2024 · 53.4%
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€107,252▲ 17.3%€180,971▲ 68.7%€180,045▼ 0.5%€180,095=€174,016▼ 3.4%
Net result€53,603within the sector's middle half▲ 21.6%€83,409above the sector's middle half▲ 55.6%€88,131above the sector's middle half▲ 5.7%€82,902above the sector's middle half▼ 5.9%€79,772within the sector's middle half▼ 3.8%
Equity€760,316above the sector's middle half▼ 7.3%€843,725above the sector's middle half▲ 11.0%€931,856above the sector's middle half▲ 10.4%€935,156above the sector's middle half▲ 0.4%€827,660within the sector's middle half▼ 11.5%
Total assets€1.8mabove the sector's middle half▲ 0.8%€1.8mabove the sector's middle half▼ 2.3%€1.7mabove the sector's middle half▼ 3.8%€1.8mabove the sector's middle half▲ 1.4%€1.7mwithin the sector's middle half▼ 2.7%
Debt€1.1m▲ 7.5%€947,678▼ 11.6%€792,497▼ 16.4%€813,881▲ 2.7%€874,104▲ 7.4%
Working capital-€355,090below the sector's middle half▼ 50.9%-€336,123below the sector's middle half▲ 5.3%-€314,917below the sector's middle half▲ 6.3%-€275,404below the sector's middle half▲ 12.5%-€283,914below the sector's middle half▼ 3.1%
Solvency41.4%within the sector's middle half▼ 3.6pp47.0%within the sector's middle half▲ 5.6pp54.0%within the sector's middle half▲ 6.9pp53.4%within the sector's middle half▼ 0.6pp48.6%within the sector's middle half▼ 4.8pp
Current ratio0.52below the sector's middle half▼ 0.080.52below the sector's middle half=0.48below the sector's middle half▼ 0.040.59below the sector's middle half▲ 0.110.64within the sector's middle half▲ 0.05
Return on assets (ROA)2.9%within the sector's middle half▲ 0.5pp4.6%within the sector's middle half▲ 1.7pp5.1%within the sector's middle half▲ 0.5pp4.7%within the sector's middle half▼ 0.4pp4.7%within the sector's middle half▼ 0.1pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
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 €1.7m
Fixed assets
€1.2m ▼ 11.6%
Current assets
€503,408 ▲ 27.6%
Equity and liabilities €1.7m
Equity
€827,660 ▼ 11.5%
Provisions
€1,419 ▼ 32.5%
Debt
€874,104 ▲ 7.4%
Debt's share of the balance-sheet total rises from 46.5% to 51.3%. Equity is lower and debt is higher.
Key figures and ratios
ROE
9.6%▲
2024 · 8.9%
Debt ≤ 1 year
€787,322▲
2024 · €670,018
Debt > 1 year
€49,042▼
2024 · €101,773
Income taxes
€60,257▲
2024 · €58,527
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €112,684 | €127,932 | €144,857 | €152,352 | €156,751 | ▲ 2.9% |
| Other operating charges640/8 | €11,677 | €10,963 | €12,288 | €12,576 | €12,978 | ▲ 3.2% |
| Gross operating margin9900 | €231,613 | €319,867 | €337,189 | €345,023 | €343,745 | ▼ 0.4% |
| Operating profit (loss)9901 | €107,252 | €180,971 | €180,045 | €180,095 | €174,016 | ▼ 3.4% |
| Financial income75/76B | - | - | €328 | €4,876 | €3,581 | ▼ 26.6% |
| Recurring financial income75 | - | - | €328 | €4,876 | €3,581 | ▼ 26.6% |
| Financial charges65/66B | €27,328 | €28,930 | €34,257 | €44,226 | €38,252 | ▼ 13.5% |
| Recurring financial charges65 | €27,328 | €28,930 | €34,257 | €44,226 | €38,252 | ▼ 13.5% |
| Profit (loss) for the period before taxes9903 | €79,924 | €152,041 | €146,116 | €140,745 | €139,345 | ▼ 1.0% |
| Transfer from deferred taxes780 | €684 | €684 | €684 | €684 | €684 | = |
| Income taxes67/77 | €27,006 | €69,316 | €58,670 | €58,527 | €60,257 | ▲ 3.0% |
| Profit (loss) for the period9904 | €53,603 | €83,409 | €88,131 | €82,902 | €79,772 | ▼ 3.8% |
| Transfer from tax-exempt reserves789 | €2,052 | €2,052 | €2,052 | €2,052 | €2,052 | = |
| Profit (loss) for the period to be appropriated9905 | €55,655 | €85,462 | €90,183 | €84,955 | €81,825 | ▼ 3.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.8m | €1.8m | €1.7m | €1.8m | €1.7m | ▼ 2.7% |
| Fixed assets21/28 | €1.4m | €1.4m | €1.4m | €1.4m | €1.2m | ▼ 11.6% |
| Tangible fixed assets22/27 | €1.4m | €1.4m | €1.4m | €1.4m | €1.2m | ▼ 11.6% |
| Land and buildings22 | €1.3m | €1.2m | €1.1m | €1.0m | €934,606 | ▼ 10.0% |
| Plant, machinery and equipment23 | €24,919 | €123,995 | €254,800 | €288,866 | €252,833 | ▼ 12.5% |
| Furniture and vehicles24 | €78,131 | €61,682 | €45,234 | €28,785 | €12,336 | ▼ 57.1% |
| Current assets29/58 | €391,969 | €371,005 | €292,370 | €394,614 | €503,408 | ▲ 27.6% |
| Amounts receivable within one year40/41 | €10,432 | €108,148 | €48,884 | €61,710 | €131,890 | ▲ 114% |
| Trade receivables40 | €9,438 | €108,148 | €48,884 | €61,710 | €131,890 | ▲ 114% |
| Other amounts receivable41 | €994 | €0 | - | - | - | - |
| Current investments50/53 | - | - | - | €70,837 | €172,903 | ▲ 144% |
| Cash at bank and in hand54/58 | €381,409 | €261,432 | €236,799 | €259,617 | €196,442 | ▼ 24.3% |
| Deferred charges and accrued income490/1 | €128 | €1,424 | €6,686 | €2,451 | €2,173 | ▼ 11.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.8m | €1.8m | €1.7m | €1.8m | €1.7m | ▼ 2.7% |
| Equity10/15 | €760,316 | €843,725 | €931,856 | €935,156 | €827,660 | ▼ 11.5% |
| Contributions10/11 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Capital10 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Issued capital100 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Reserves13 | €698,316 | €781,725 | €869,856 | €873,156 | €765,660 | ▼ 12.3% |
| Non-distributable reserves130/1 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Legal reserve130 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Tax-exempt reserves132 | €22,627 | €20,574 | €18,522 | €16,469 | €14,417 | ▼ 12.5% |
| Distributable reserves133 | €669,489 | €754,951 | €845,134 | €850,487 | €745,043 | ▼ 12.4% |
| Profit (loss) carried forward14 | - | €0 | - | €0 | €0 | - |
| Provisions and deferred taxes16 | €4,156 | €3,472 | €2,788 | €2,104 | €1,419 | ▼ 32.5% |
| Deferred taxes168 | €4,156 | €3,472 | €2,788 | €2,104 | €1,419 | ▼ 32.5% |
| Amounts payable17/49 | €1.1m | €947,678 | €792,497 | €813,881 | €874,104 | ▲ 7.4% |
| Amounts payable after more than one year17 | €306,547 | €217,689 | €153,714 | €101,773 | €49,042 | ▼ 51.8% |
| Financial debts170/4 | €306,547 | €217,689 | €153,714 | €101,773 | €49,042 | ▼ 51.8% |
| Amounts payable within one year42/48 | €747,060 | €707,127 | €607,287 | €670,018 | €787,322 | ▲ 17.5% |
| Current portion of amounts payable after more than one year42 | €88,103 | €88,858 | €63,975 | €51,941 | €52,731 | ▲ 1.5% |
| Trade debts44 | €1,592 | €68,213 | €2,564 | €1,234 | €1,272 | ▲ 3.1% |
| Suppliers440/4 | €1,592 | €68,213 | €2,564 | €1,234 | €1,272 | ▲ 3.1% |
| Taxes, remuneration and social security45 | €13,696 | €30,222 | €17,749 | €21,822 | €24,778 | ▲ 13.5% |
| Taxes450/3 | €13,696 | €30,222 | €17,749 | €21,822 | €24,778 | ▲ 13.5% |
| Other amounts payable47/48 | €643,669 | €519,834 | €522,998 | €595,022 | €708,541 | ▲ 19.1% |
| Accrued charges and deferred income492/3 | €18,589 | €22,861 | €31,497 | €42,090 | €37,741 | ▼ 10.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €53,603 | €83,409 | €88,131 | €82,902 | €79,772 | ▼ 3.8% |
| + Depreciation and write-downs630 | €112,684 | €127,932 | €144,857 | €152,352 | €156,751 | ▲ 2.9% |
| Operating cash flow (approximation) | €166,287 | €211,342 | €232,987 | €235,254 | €236,523 | ▲ 0.5% |
| Investment in fixed assets (approximation) | - | -€107,103 | -€155,758 | -€74,107 | €0 | ▲ 100% |
| Change in cash | - | -€119,977 | -€24,633 | €22,817 | -€63,174 | ▼ 377% |
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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €88,131 ▲5.7%
Net result €88,131, the highest in the series.
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
10-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
10-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
No directors read yet: 0 of 4 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Zedelgem · 1 establishment unit since 1973
Ground area
1,265 m²
Building footprint
289 m²
Volume, LiDAR
1,428 m³
Parcel 31001B0704/00G000, Flanders · tallest building 11.8 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
CLATIMMO
since 19732.102.129.065
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31001B0704/00G000 | Flanders | 1,265 m² | 1 · 289 m² | 11.8 m · 2 fl. |
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.
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Of 24,721 companies in this sector we hold annual accounts for 19,804. 13,096 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPublic limited company
Founded12-05-1973
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0413252662
Also
9925:BE0413252662
Registered
04-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.