Summary
CLAVER is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2026 annual accounts show equity of €8.9m and a net result of €1.3m. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 55% of 125 sector peers (fiscal year 2026). The company has been active since 2001 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.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
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 31-03-2026 was due by 31-10-2026 and was filed on 29-07-2026, 94 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
94 d early
2025
136 d early
2024
156 d early
2023
138 d early
2022
131 d early
2021
129 d early
2020
81 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 124 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 31-03-2027 and is due by 31-10-2027. Nothing is late today. Usually files around 17 June (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-03-2027 close31-10-2027 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 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 What other support did companies like this one receive, and it did not?Public money What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2026, abbreviated schema
Equity
€8.9m▲ 16.6%
2025 · €7.6m
Net result
€1.3m▲ 3,047%
2025 · €40,399
Total assets
€13.4m▼ 0.1%
2025 · €13.4m
Solvency
66.7%▲ 9.6pp
2025 · 57.2%
Trend over the years
Click a name to add, emphasise or remove a line.Band: 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.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20222023202420252026
Operating result-€3,175▲ 78.8%-€60,901▼ 1,818%-€65,713▼ 7.9%-€1.1m▼ 1,597%-€41,647▲ 96.3%
Net result€163,666within the sector's middle half▼ 57.3%-€63,124below the sector's middle half€230,097above the sector's middle half€40,399within the sector's middle half▼ 82.4%€1.3m▲ 3,047%
Equity€8.4mabove the sector's middle half▲ 0.7%€8.2mabove the sector's middle half▼ 2.3%€8.4mabove the sector's middle half▲ 2.8%€7.6mabove the sector's middle half▼ 9.0%€8.9m▲ 16.6%
Total assets€13.2mabove the sector's middle half▲ 0.7%€13.1mabove the sector's middle half▼ 0.5%€14.3mabove the sector's middle half▲ 9.2%€13.4mabove the sector's middle half▼ 6.6%€13.4m▼ 0.1%
Debt€4.8m▲ 0.5%€4.9m▲ 2.5%€5.9m▲ 19.8%€5.7m▼ 3.1%€4.4m▼ 22.5%
Working capital-€2,349within the sector's middle half€64,924within the sector's middle half€346,118above the sector's middle half▲ 433%€279,863above the sector's middle half▼ 19.1%€36,879▼ 86.8%
Solvency63.4%within the sector's middle half▲ 0.1pp62.3%within the sector's middle half▼ 1.1pp58.7%within the sector's middle half▼ 3.6pp57.2%within the sector's middle half▼ 1.5pp66.7%▲ 9.6pp
Current ratio0.99within the sector's middle half▼ 6.103.17above the sector's middle half▲ 2.187.97above the sector's middle half▲ 4.801.83within the sector's middle half▼ 6.141.08▼ 0.75
Return on assets (ROA)1.2%within the sector's middle half▼ 1.7pp-0.5%below the sector's middle half▼ 1.7pp1.6%within the sector's middle half▲ 2.1pp0.3%below the sector's middle half▼ 1.3pp9.5%▲ 9.2pp
Staff (FTE)1.5within the sector's middle half▼ 16.7%1.3within the sector's middle half▼ 13.3%1.8above the sector's middle half▲ 38.5%1.4above the sector's middle half▼ 22.2%1▼ 28.6%
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 schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €41,647 in 2026 against €1.1m in 2025; the loss shrinks.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €13.4m
Fixed assets
€12.9m ▲ 0.8%
Current assets
€507,021 ▼ 18.0%
Equity and liabilities €13.4m
Equity
€8.9m ▲ 16.6%
Debt
€4.4m ▼ 22.5%
Debt's share of the balance-sheet total falls from 42.8% to 33.3%. Equity is higher and debt is lower.
Key figures and ratios
ROE
14.3%▲
2025 · 0.5%
Debt ≤ 1 year
€470,142▲
2025 · €338,329
Debt > 1 year
€4.0m▼
2025 · €5.4m
Income taxes
€113▼
2025 · €4,417
Staff costs
€80,316▼
2025 · €112,999
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €12,500 | €0 | - | - | €50 | - |
| Remuneration, social security and pensions62 | €145,768 | €84,390 | €136,103 | €112,999 | €80,316 | ▼ 28.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11,103 | €8,140 | €6,763 | €6,053 | €5,723 | ▼ 5.4% |
| Other operating charges640/8 | €2,175 | €1,260 | €2,196 | €3,253 | €1,823 | ▼ 44.0% |
| Non-recurring operating charges66A | - | €1,240 | €0 | €1.1m | €0 | ▼ 100% |
| Gross operating margin9900 | €155,872 | €34,129 | €79,350 | €127,990 | €46,215 | ▼ 63.9% |
| Operating profit (loss)9901 | -€3,175 | -€60,901 | -€65,713 | -€1.1m | -€41,647 | ▲ 96.3% |
| Financial income75/76B | €337,751 | €165,384 | €523,039 | €1.4m | €1.5m | ▲ 8.7% |
| Recurring financial income75 | €337,751 | €165,384 | €523,039 | €1.4m | €1.5m | ▲ 8.7% |
| Financial charges65/66B | €154,149 | €167,327 | €203,890 | €209,945 | €175,801 | ▼ 16.3% |
| Recurring financial charges65 | €154,149 | €167,327 | €203,890 | €209,945 | €175,801 | ▼ 16.3% |
| Profit (loss) for the period before taxes9903 | €180,427 | -€62,843 | €253,436 | €44,817 | €1.3m | ▲ 2,737% |
| Income taxes67/77 | €16,760 | €281 | €23,339 | €4,417 | €113 | ▼ 97.4% |
| Profit (loss) for the period9904 | €163,666 | -€63,124 | €230,097 | €40,399 | €1.3m | ▲ 3,047% |
| Profit (loss) for the period to be appropriated9905 | €163,666 | -€63,124 | €230,097 | €40,399 | €1.3m | ▲ 3,047% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €13.2m | €13.1m | €14.3m | €13.4m | €13.4m | ▼ 0.1% |
| Fixed assets21/28 | €13.0m | €13.0m | €13.9m | €12.8m | €12.9m | ▲ 0.8% |
| Tangible fixed assets22/27 | €26,740 | €23,705 | €16,942 | €12,683 | €8,384 | ▼ 33.9% |
| Furniture and vehicles24 | €26,740 | €23,705 | €16,942 | €12,683 | €8,384 | ▼ 33.9% |
| Other tangible fixed assets26 | €0 | - | - | - | - | - |
| Financial fixed assets28 | €12.9m | €13.0m | €13.9m | €12.7m | €12.8m | ▲ 0.8% |
| Current assets29/58 | €233,767 | €94,898 | €395,800 | €618,192 | €507,021 | ▼ 18.0% |
| Amounts receivable within one year40/41 | €0 | - | - | €3,261 | €0 | ▼ 100% |
| Other amounts receivable41 | €0 | - | - | €3,261 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €226,502 | €63,536 | €373,505 | €596,433 | €506,477 | ▼ 15.1% |
| Deferred charges and accrued income490/1 | €7,265 | €31,362 | €22,295 | €18,498 | €544 | ▼ 97.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €13.2m | €13.1m | €14.3m | €13.4m | €13.4m | ▼ 0.1% |
| Equity10/15 | €8.4m | €8.2m | €8.4m | €7.6m | €8.9m | ▲ 16.6% |
| Contributions10/11 | €6.5m | €6.5m | €6.5m | €6.5m | €6.5m | = |
| Reserves13 | €1.9m | €1.7m | €1.9m | €1.1m | €1.1m | = |
| Non-distributable reserves130/1 | €0 | - | - | - | - | - |
| Reserves not available under the articles1311 | €0 | - | - | - | - | - |
| Distributable reserves133 | €1.9m | €1.7m | €1.9m | €1.1m | €1.1m | = |
| Profit (loss) carried forward14 | €0 | €0 | €0 | €0 | €1.3m | - |
| Amounts payable17/49 | €4.8m | €4.9m | €5.9m | €5.7m | €4.4m | ▼ 22.5% |
| Amounts payable after more than one year17 | €4.6m | €4.9m | €5.9m | €5.4m | €4.0m | ▼ 26.3% |
| Financial debts170/4 | €3.6m | €3.9m | €4.9m | €5.4m | €4.0m | ▼ 26.3% |
| Other amounts payable178/9 | €999,000 | €999,000 | €999,000 | €0 | - | - |
| Amounts payable within one year42/48 | €236,116 | €29,974 | €49,682 | €338,329 | €470,142 | ▲ 39.0% |
| Trade debts44 | €8,062 | €18,815 | €1,782 | €10,205 | €9,506 | ▼ 6.9% |
| Suppliers440/4 | €8,062 | €18,815 | €1,782 | €10,205 | €9,506 | ▼ 6.9% |
| Taxes, remuneration and social security45 | €28,054 | €11,132 | €47,899 | €17,924 | €12,049 | ▼ 32.8% |
| Taxes450/3 | €21,516 | €2,526 | €30,035 | €8,804 | €729 | ▼ 91.7% |
| Remuneration and social security454/9 | €6,537 | €8,606 | €17,864 | €9,121 | €11,321 | ▲ 24.1% |
| Other amounts payable47/48 | €200,000 | €27 | €0 | €310,200 | €448,587 | ▲ 44.6% |
| Accrued charges and deferred income492/3 | - | - | €6,334 | €0 | - | - |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €163,666 | -€63,124 | €230,097 | €40,399 | €1.3m | ▲ 3,047% |
| + Depreciation and write-downs630 | €11,103 | €8,140 | €6,763 | €6,053 | €5,723 | ▼ 5.4% |
| Operating cash flow (approximation) | €174,770 | -€54,985 | €236,860 | €46,452 | €1.3m | ▲ 2,649% |
| Investment in fixed assets (approximation) | - | -€75,105 | -€912,000 | €1.2m | -€101,424 | ▼ 109% |
| Change in cash | - | -€162,965 | €309,969 | €222,928 | -€89,956 | ▼ 140% |
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 2027, expected by
2026
29-07
NBB filing
Annual accounts filed
fiscal year 2026 · abbreviated schema
31-03
Financial
Highest result since 2019net €1.3m ▲3,047%
Net result €1.3m, the highest in the series.
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
28-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-03
Financial
Back to profitnet €230,097
Net result €230,097 after one loss-making year.
31-03
Financial
Liquidity triplescurrent ratio 7.97
Current ratio from 3.17 to 7.97.
2023
15-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
31-03
Financial
Weakest financial yearnet -€63,124
Net result drops to -€63,124, the lowest in the series; recovery starts the following year.
31-03
Financial
Liquidity triplescurrent ratio 3.17
Current ratio from 0.99 to 3.17; short-term debt falls from €236,116 to €29,974.
2022
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
11-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Show earlier events
2019
14-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
05-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
31-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
6 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, Antwerpen · 1 establishment unit since 2002
Ground area
4,422 m²
Building footprint
1,430 m²
Volume, LiDAR
11,731 m³
Parcel 11422C0097/00H014, Flanders · tallest building 20.6 m, ±2 floors. Linked by address, not a title deed.
16
companies at this address
See who is registered here
1 establishment unit
CLAVER HOLDING
since 20022.101.704.641
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11422C0097/00H014 | Flanders | 4,422 m² | 1 · 1,430 m² | 20.6 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.
Structure & network
Owners and holdings
1 owner · 4 holdingsOwners 1
- The Private Equity CompanyLUparentSourceown accounts 31-03-2026100%
Holdings 4
-
100%
-
100%
-
100%
-
50%
According to the annual accounts to 31-03-2026 of CLAVER 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 2 entries · 534 EUR awarded · 534 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 355 EUR | 355 EUR |
| 2022 | 1 | 179 EUR | 179 EUR |
Similar companies · same sector, comparable size
DIJKDAM
BE 0832.721.244
Damme · Eq €8,918,190
Sisu Group
BE 0789.743.514
Antwerpen · Eq €8,927,102
BATIFEDER Groupe S.A.
BE 0466.790.130
Herve · Eq €8,929,396
Wild Pack Island
BE 0836.951.830
Liège · Eq €8,905,107
BEKAS GROUP
BE 0832.943.948
Leuven · Eq €8,932,841
Of 24,729 companies in sector 64210 we hold annual accounts for 19,799. 6,370 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
Founded28-12-2001
Fiscal year end31-03
Activities, NACEBEL 2025
64210Activities of holding companies
Contact
E-mail
info@claver.be
Phone
03 641 97 79
Fax
03 641 97 78
E-invoicing
Reachable via Peppol
Peppol ID
0208:0476502404
Registered
29-05-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.