Turnover
≈ €120,000 estimated
The micro format states no turnover.
CLAVACO
Overview
Lifetime
3 annual accounts with figures on one time axispeak €22,479 (2023)
€20,716▲ 198%
peak €17,294 (2023)
€13,229▲ 603%
peak €35,404 (2025)
€35,404▲ 59.7%
€23,267▼ 31.5%
Board1 name since 2023
1 directorVANHECKE Clara Katrin Frederik Maria
Documentsfilings and deeds
24-07-20267 days before the deadline
2025micro format
Gross margin from €6,952 to €20,716Result from €1,880 to €13,229Equity from €22,175 to €35,404Debts from €33,971 to €23,267Cash from €12,306 to €4,733
Key points
from the 2025 annual accountsChecked score
93
Excellent
Financially stronger than 54% of micro companies in legal and accounting (NACE 69)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: < 0.1% across 20,107 companies (NACE 69, micro).
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%lowest value
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: 0.1%▲ +0.1 percentage points vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025highest value
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Founded in 2023
1 of the last 3 accounts late
lowers risk
Sector: Legal and accounting activities (NACE 69)
Figures for financial year 2025 (filed on 24-07-2026)
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 69, micro). It does better than 56% of them on solvency, 17% on liquidity, 60% on profitability and 82% on growth.
The bankruptcy probability was computed on 08-11-2026 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 very low class on 30-06-2025, 0.1% 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, 39,278 companies had the same profile as CLAVACO has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of CLAVACO itself is lower: 0.1% within 12 months. It rests on far more data about CLAVACO 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 39,278 companies, not a prediction for CLAVACO. 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 €3,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.48 (1.61 in 2024), above the usual 1.5. Short-term debt is 39.7% and cash 8.1% of total assets. 39.7% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
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 24-07-2026, 7 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
7 days early
2024
54 days late
2023
30 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 26 days after the deadline. In the sector (NACE 69), the median for financial year 2024 was 9 days before the deadline, and 32% 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 31 August (3 of the last 3 accounts filed within 38 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- VANHECKE Clara Katrin Frederik Maria 100 sharesdeed of 14-07-2023
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0803896705
Incorporation
Founding capital of €3,000, 100 shares · Founder: VANHECKE Clara Katrin Frederik Maria · Appointment: VANHECKE Clara Katrin Frederik Maria (director) · published on 14-07-2023 · Gazette deed
First establishment
Graaf van Hoornestraat 27, Antwerp
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CLAVACO Antwerp | €58,671 | €20,716 | 60.3% | - |
| Franck Dumortier Juriste Schaerbeek | €57,252 | €20,149 | 74.1% | - |
| HELECO Sint-Niklaas | €51,769 | €20,598 | 71.1% | - |
| Louisix Woluwe-Saint-Lambert | €60,715 | €16,725 | 94.3% | - |
| BONEVOITURE MANAGEMENT Ghent | €61,194 | €25,851 | 63.2% | - |
| JoCaTex Aalter | €53,460 | €16,663 | 46.9% | - |
| HNV Consulting Antwerp | €83,074 | €18,132 | 54.9% | - |
These companies have the same main activity as CLAVACO: other legal services (NACE 69109). They are comparable in size and age: total assets between €51,800 and €83,100, founded between 2023 and 2024.
Official details
Source: KBO- Status
- Active since 12-07-2023Normal situation
- Activity
- Other legal servicesNACE 69109and 2 others
- Establishment unit
- 2.347.728.9092000 Antwerp, since 12-07-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 24-11-2023
Annual accounts 2025
- €20,716▲ 198%
- €13,229▲ 603%
- €35,404▲ 59.7%
- €58,671▲ 4.5%
- Filing
- Filed on 24-07-2026, 7 days before the end of the filing period
Insights on CLAVACO
CLAVACO files the micro format. That format states no turnover. The gross margin fell from €22,479 in 2023 to €20,716 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 24-07-2026, 7 days before the deadline€20,716
▲ 198%
€19,455
▲ 249%
€13,229
▲ 603%
€34,342
▲ 64.8%
60.3%
▲ 20.8 percentage points
2.48
▲ 0.86
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €120,000. Estimated: probably between €67,000 and €280,000.
Balance sheet
balance sheet total €58,671 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
60.3%
Higher than 54% of 15,824 companies in 2025.
2.48
Higher than 54% of 15,596 companies in 2025.
22.5%
Higher than 56% of 15,713 companies in 2025.
CLAVACO
Middle half of the sector
80% of the sector
Micro accounts in legal and accounting (NACE 69)
Net result: middle half · Equity: middle half · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Balance sheet: assets | ||||
20/58 |
58,671 | 56,146 | 40,767 | |
21/28 |
1,062 | 1,336 | - | |
22/27 |
1,062 | 1,336 | - | |
26 |
1,062 | 1,336 | - | |
29/58 |
57,609 | 54,810 | 40,767 | |
40/41 |
52,876 | 42,503 | 28,472 | |
40 |
20,166 | 11,835 | 14,545 | |
41 |
32,710 | 30,668 | 13,927 | |
54/58 |
4,733 | 12,306 | 12,203 | |
490/1 |
- | - | 92 | |
| Balance sheet: equity and liabilities | ||||
10/49 |
58,671 | 56,146 | 40,767 | |
10/15 |
35,404 | 22,175 | 20,294 | |
10/11 |
3,000 | 3,000 | 3,000 | |
13 |
32,404 | 19,175 | 17,294 | |
133 |
32,404 | 19,175 | 17,294 | |
17/49 |
23,267 | 33,971 | 20,473 | |
42/48 |
23,267 | 33,971 | 20,473 | |
44 |
6,344 | 9,045 | 4,119 | |
440/4 |
6,344 | 9,045 | 4,119 | |
45 |
16,924 | 24,926 | 16,354 | |
450/3 |
16,924 | 22,401 | 16,354 | |
454/9 |
- | 2,525 | - | |
| Income statement | ||||
9900 |
20,716 | 6,952 | 22,479 | |
630 |
274 | 35 | - | |
640/8 |
987 | 1,344 | 384 | |
9901 |
19,455 | 5,573 | 22,094 | |
75/76B |
1,805 | 1,623 | 199 | |
75 |
1,805 | 1,623 | 199 | |
65/66B |
2,138 | 1,912 | 81 | |
65 |
2,138 | 1,912 | 81 | |
9903 |
19,123 | 5,284 | 22,212 | |
67/77 |
5,893 | 3,404 | 4,917 | |
9904 |
13,229 | 1,880 | 17,294 | |
9905 |
13,229 | 1,880 | 17,294 | |
| Appropriation of the result | ||||
9906 |
13,229 | 1,880 | 17,294 | |
691/2 |
13,229 | 1,880 | 17,294 | |
6921 |
13,229 | 1,880 | 17,294 | |
| Document | ||||
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 24-07-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| 19,729 | 5,608 | - | ||
| 13,503 | 1,916 | - | ||
| 0 | 1,371 | - | ||
| -7,573 | 103 | - | ||
| 34,342 | 20,839 | 20,294 | ||
| 60.3% | 39.5% | 49.8% | ||
| 2.48 | 1.61 | 1.99 | ||
| 0.66 | 1.53 | 1.01 | ||
| 37.4% | 8.5% | 85.2% | ||
| 22.5% | 3.3% | 42.4% | ||
| 9.23 | 2.93 | - |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 | 2024 | 2023 |
|---|---|---|---|
| Tangible fixed assets | - | €1,371 | - |
| €274 | €35 | - |
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
Insights on CLAVACO
The operating result for 2025 is 3.5 times that of 2024. It is a recovery after the fall in 2024.
Debt's share of the balance-sheet total falls from 60.5% to 39.7%. Equity is higher and debt is lower.
Board & ownership
Board
1 director, since incorporationDirector
since 12-07-2023
term for the life of the company
listed in the 2025 annual accounts, filed on 24-07-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “beslissingen die, ofwel om redenen van hun minder belang dat ze vertonen, ofwel omwille van hun spoedeisend karakter, de tussenkomst van het…”deed of 14-07-2023
Mandates through the years
1 name, the dashed line is todayBoard
Mandates as a list
- VANHECKE Clara Katrin Frederik Maria
- Director, from 12-07-2023 to date
Control
This company
CLAVACO
Equity €35,404
Profit €13,229 in 2025
Capital
- Contribution
- €3,000
- Shares
- 100
- Contribution per share
- €30
- Equity per share
- €354 in 2025
- Source
- deed of 14-07-2023
Articles of association
deed of 14-07-2023 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Second Wednesday of June at 11:00
Shareholders
At incorporation
deed of 14-07-2023 ↗
- VANHECKE Clara Katrin Frederik Maria 100 shares (100%)
Network & group
No group
CLAVACO has no parent and no holdings in its annual accounts. VANHECKE Clara Katrin Frederik Maria is the only director. CLAVACO shares no director with another company.
At the same address
Graaf van Hoornestraat 27, 2000 Antwerp · 1 other company| Vereniging van Mede-eigenaars gebouw Antwerpen Graaf van Hoornestraat 27
registered office since 28-11-2001 |
founded in 2001 0864.804.983 |
Timeline
Timeline
7 events since 2023Filings
Financial
Establishments
2023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 7 days before the deadline
2025
Annual accounts 2024 filed PDFmicro format · 54 days late
2024
Weakest financial year net €1,880 ▼89.1% The net result drops to €1,880, the lowest from 2023 to 2025. It recovers the following year.
Annual accounts 2023 filed PDFmicro format · 30 days late
2023
Registered in the Peppol Directory Reachable for e-invoices through 0208:0803896705
IncorporationFounding capital of €3,000, 100 shares · Founder: VANHECKE Clara Katrin Frederik Maria · Appointment: VANHECKE Clara Katrin Frederik Maria (director) · published on 14-07-20234 points ▸
- Registered office clause, Graaf van Hoornestraat 27 bus 301, 2000 Antwerpen
- Director appointment, VANHECKE Clara Katrin Frederik Maria
- Founder, VANHECKE Clara Katrin Frederik Maria
- Founding capital, €3,000, 100 shares
- The deed holds 5 more points.
First establishment Graaf van Hoornestraat 27, Antwerp
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
On 12 July 2023, CLAVACO was incorporated as a private limited company by one natural person, with a starting capital of €3,000.12 VANHECKE Clara Katrin Frederik Maria has served as director since 2023.3 Total assets went from €40,767 in 2023 to €58,671 in 2025.4
Company details
Identity
- Enterprise number
- 0803.896.705
- VAT number
- BE 0803.896.705
- Peppol ID
- 0208:0803896705
- Other Peppol ID
- 9925:BE0803896705
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 12-07-2023
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Second Wednesday of June at 11:00deed of 14-07-2023 (in Dutch)
- Peppol
- Reachable since 24-11-2023Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- CLAVACO in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 14-07-2023 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 14-07-2023 (in Dutch)
Activities
NACEBEL 202569109
Other legal services main activity
Codes under NACEBEL 2008
69109
Other legal services main activity
70210
Activities of head offices; management consultancy activities
70220
Business consulting
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Alle mogelijke advies- en/of dienstenfuncties op het vlak van juridische,commerciële,(sociale media)communicatie,organisatorische en…”deed of 14-07-2023 (in Dutch)
13 activities
- Alle mogelijke advies- en/of dienstenfuncties op het vlak van juridische,commerciële,(sociale media)communicatie,organisatorische en strategische vraagstellingen;
- Consultancy,opleiding,technische expertise en bijstand op voornoemd gebied;
- Het geven van advies en verstrekken van diensten met betrekking tot de organisatie en het beheer van bedrijven die op dit domein actief zijn;
- De vennootschap kan zelf of als tussenpersoon alle hulpmiddelen verschaffen,bestuurdersfuncties waarnemen of laten waarnemen en diensten verlenen die direct of indirect verband houden met het voorgaande.
- Deze diensten kunnen worden geleverd krachtens een contractuele of statutaire benoeming en in de hoedanigheid van externe raadgever of orgaan van de cliënt.
- Ter uitvoering van haar opdrachten en voor het waarnemen van bestuursmandaten kan de vennootschap zich laten vertegenwoordigen door haar bestuurder of elke andere derde vertegenwoordiger,die door de vennootschap worden afgevaardigd om op te treden in eigen naam doch voor rekening van de vennootschap.
- Het beheer van vennootschappen,ongeacht hun voorwerp,en het waarnemen van alle bestuursopdrachten,het uitoefenen van opdrachten en functies,met inbegrip van mandaten van vereffenaar.
- Het geven van opleiding in domeinen die samenhangen met het voorgaande,bij zowel publieke onderwijsinstellingen als op privébasis;het publiceren van artikels en boeken.
- De organisatie van evenementen die samenhangen met het voorgaande.
- Het verlenen van adviezen van financiële,technische,commerciële of administratieve aard;in de ruimste zin,met uitzondering van adviezen inzake beleggingen en geldplaatsingen;bijstand en diensten verlenen,rechtstreeks of onrechtstreeks op het vlak van administratie en financiën,verkoop,productie en algemeen bestuur.
- Het verwerven en aanhouden van participaties in eender welke vorm in alle bestaande of op te richten rechtspersonen en vennootschappen,het stimuleren,de planning,de coördinatie,de ontwikkeling van en de investering in rechtspersonen en ondernemingen waarin zij al of niet een participatie aanhoudt;het deelnemen aan hun beheer,bestuur,vereffening,en toezicht alsmede het verlenen van technische,administratieve en financiële bijstand aan deze vennootschappen en ondernemingen.
- Het aanleggen,het oordeelkundig uitbouwen en beheren van een eigen onroerend vermogen;alle verrichtingen met betrekking tot onroerende goederen en onroerende zakelijke rechten zoals het aankopen,verkopen,ruilen,bouwen,verbouwen,onderhouden,binnenhuisinrichting en decoratie verhuren en huren van onroerende goederen,alsmede alle handelingen die rechtstreeks of onrechtstreeks met dit voorwerp in verband staan en die van aard zijn de opbrengst van de onroerende goederen te bevorderen of die betrekking hebben op het beheer of op het productief maken van onroerende goederen of onroerende zakelijke rechten.
- Het aanleggen,het oordeelkundig uitbouwen en beheren van een roerend vermogen;alle verrichtingen met betrekking tot roerende goederen en rechten,van welke aard ook,zoals de aan- en verkoop,de huur- en verhuur,de ruil;in het bijzonder het beheer en de valorisatie van alle verhandelbare waardepapieren,aandelen,obligaties,staatsfondsen.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Graaf van Hoornestraat 27 registered office 2000 Antwerp | 12-07-2023 | 2.347.728.909 |
Buildings and parcels at the address
- Ground area
- 180 m²
- Buildings
- 112 m²
- Volume, LiDAR
- 1,374 m³
- Tallest building
- 13.1 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 11811L3693/00S000 | 180 m² | 1 · 112 m² | 13.1 m · 4 |