Claver
ActiveSummary
Claver has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7,774 and a net result of €25,774. Its solvency ranks better than 20% of 11,613 sector peers (NACE 71, fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Financials · fiscal year 2025, micro schema
Turnover and EBIT margin not published: the micro schema does not require them.
Peer companies
Historical observationOf the 2,390 companies that looked in July 2024 the way this one looks now, 1.2% went bankrupt within 24 months and 97% are still going.
- Micro
- under 2 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,471 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,390 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2025 |
|---|---|
| Other operating charges640/8 | €370 |
| Gross operating margin9900 | €34,459 |
| Operating profit (loss)9901 | €34,089 |
| Financial charges65/66B | €546 |
| Recurring financial charges65 | €546 |
| Profit (loss) for the period before taxes9903 | €33,543 |
| Income taxes67/77 | €7,769 |
| Profit (loss) for the period9904 | €25,774 |
| Profit (loss) for the period to be appropriated9905 | €25,774 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €42,722 | |
| Current assets29/58 | €42,722 | |
| Amounts receivable within one year40/41 | €13,459 | |
| Trade receivables40 | €13,279 | |
| Other amounts receivable41 | €180 | |
| Cash at bank and in hand54/58 | €27,507 | |
| Deferred charges and accrued income490/1 | €1,755 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €42,722 | |
| Equity10/15 | €7,774 | |
| Reserves13 | €7,774 | |
| Distributable reserves133 | €7,774 | |
| Profit (loss) carried forward14 | €0 | |
| Amounts payable17/49 | €34,948 | |
| Amounts payable within one year42/48 | €34,636 | |
| Trade debts44 | €909 | |
| Suppliers440/4 | €909 | |
| Taxes, remuneration and social security45 | €15,415 | |
| Taxes450/3 | €12,615 | |
| Remuneration and social security454/9 | €2,800 | |
| Other amounts payable47/48 | €18,313 | |
| Accrued charges and deferred income492/3 | €312 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €25,774 |
| Operating cash flow (approximation) | €25,774 |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.