Claver Retail
ActiveSummary
The computed 12-month bankruptcy probability of Claver Retail is 3.7% (moderate). For Claver Retail, at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show negative equity (€-158k) and a net result of €-80k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 9432 sector peers (fiscal year 2023). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
No current score
Figures too old
The available figures for FY 2023 are too old to assess current financial health.
Filing: At least two filing cycles are missing
Axes, FY 2023 · tick = 2022
Profitability6▲+6
Solvency0▼-10
Growth32=
Track record100
Bankruptcy probability, 12 months
3.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2023Solvency, return and age of the figures
Solvency
-33.6%
Return on assets
-16.9%
Age of the figures
33 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 4 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline25-09-2026 today
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 11-07-2024, 20 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
20 d early
2022
2 d late
2021
31 d late
2020
26 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2023, abbreviated schema
Equity
€-158k▼ 101%
2022 · €-79k
2020: €22k
2021: €24k▲ +6.3% vs 2020highest in 4 years
2022: €-79k▼ -432% vs 2021
2023: €-158k▼ -101% vs 2022lowest in 4 years
2020 → 2023
Total assets
€471k▼ 9.0%
2022 · €518k
2020: €483k
2021: €465k▼ -3.7% vs 2020lowest in 4 years
2022: €518k▲ +11.4% vs 2021highest in 4 years
2023: €471k▼ -9.0% vs 2022
2020 → 2023
Net result
€-80k▲ 22.2%
2022 · €-102k
2020: €2khighest in 4 years
2021: €1k▼ -38.0% vs 2020
2022: €-102k▼ -7348% vs 2021lowest in 4 years
2023: €-80k▲ +22.2% vs 2022
2020 → 2023
Working capital
€-268k▼ 43.3%
2022 · €-187k
2020: €-79k
2021: €-76k▲ +3.5% vs 2020highest in 4 years
2022: €-187k▼ -147% vs 2021
2023: €-268k▼ -43.3% vs 2022lowest in 4 years
2020 → 2023
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2020202120222023Trend
Equity€22k-€24k▲ 6.3%€-79k€-158k▼ 101%
2020: €22k
2021: €24k▲ +6.3% vs 2020highest in 4 years
2022: €-79k▼ -432% vs 2021
2023: €-158k▼ -101% vs 2022lowest in 4 years
Operating result€17k-€10k▼ 40.1%€-94k€-62k▲ 34.2%
2020: €17khighest in 4 years
2021: €10k▼ -40.1% vs 2020
2022: €-94k▼ -1016% vs 2021lowest in 4 years
2023: €-62k▲ +34.2% vs 2022
Net result€2k-€1k▼ 38.0%€-102k€-80k▲ 22.2%
2020: €2khighest in 4 years
2021: €1k▼ -38.0% vs 2020
2022: €-102k▼ -7348% vs 2021lowest in 4 years
2023: €-80k▲ +22.2% vs 2022
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 €62k in 2023 against €94k in 2022; the loss shrinks.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €471k
Fixed assets
€244k ▼ 19.1%
Current assets
€227k ▲ 5.0%
Key figures and ratios
EBITDA
€14k▲
2022 · €-29k
Cash flow
€-4k▲
2022 · €-38k
Solvency
-33.6%▼
2022 · -15.2%
Current ratio
0.46▼
2022 · 0.54
Quick ratio
0.29▼
2022 · 0.33
Debt to equity
-3.98▲
2022 · -7.58
ROA
-16.9%▲
2022 · -19.8%
Interest coverage
0.76▲
2022 · -3.34
Debt
€629k▲
2022 · €596k
Debt ≤ 1 year
€495k▲
2022 · €403k
Debt > 1 year
€134k▼
2022 · €193k
Staff costs
€240k▲
2022 · €210k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2023 against 2022 · 49 lines
Balance sheet
Code20222023
Assets
Total assets20/58€518k€471k▼
Fixed assets21/28€302k€244k▼
Tangible fixed assets22/27€302k€244k▼
Plant, machinery and equipment23€9k€6k▼
Furniture and vehicles24€9k€7k▼
Other tangible fixed assets26€283k€231k▼
Current assets29/58€216k€227k▲
Amounts receivable after more than one year29€75k€75k=
Other amounts receivable291€75k€75k=
Stocks and contracts in progress3€85k€85k=
Stocks30/36€85k€85k=
Amounts receivable within one year40/41€22k€19k▼
Trade receivables40€16k€16k▲
Other amounts receivable41€7k€4k▼
Cash at bank and in hand54/58€28k€44k▲
Deferred charges and accrued income490/1€6k€5k▼
Equity and liabilities
Total equity and liabilities10/49€518k€471k▼
Equity10/15€-79k€-158k▼
Contributions10/11€20k€20k=
Reserves13€1k€1k=
Non-distributable reserves130/1€1k€1k=
Reserves not available under the articles1311€1k€1k=
Profit (loss) carried forward14€-100k€-179k▼
Amounts payable17/49€596k€629k▲
Amounts payable after more than one year17€193k€134k▼
Financial debts170/4€193k€134k▼
Amounts payable within one year42/48€403k€495k▲
Current portion of amounts payable after more than one year42€82k€72k▼
Trade debts44€301k€371k▲
Suppliers440/4€301k€371k▲
Taxes, remuneration and social security45€18k€20k▲
Remuneration and social security454/9€18k€20k▲
Other amounts payable47/48€978€32k▲
Income statement
Code20222023
Non-recurring operating income76A€6k€4k▼
Remuneration, social security and pensions62€210k€240k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€65k€75k▲
Other operating charges640/8€516€564▲
Gross operating margin9900€181k€254k▲
Operating profit (loss)9901€-94k€-62k▲
Financial income75/76B€211€0▼
Recurring financial income75€211€0▼
Financial charges65/66B€9k€18k▲
Recurring financial charges65€9k€18k▲
Profit (loss) for the period before taxes9903€-102k€-80k▲
Profit (loss) for the period9904€-102k€-80k▲
Profit (loss) for the period to be appropriated9905€-102k€-80k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-100k€-179k▼
Profit (loss) brought forward from the previous period14P€3k€-100k▼
Social balance
Average headcount (FTE)90878.511.7▲
The notes to these accounts (19 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €6k | €4k | ▼ 35.5% |
| Remuneration, social security and pensions62 | - | €175k | €210k | €240k | ▲ 14.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €76k | €57k | €65k | €75k | ▲ 16.2% |
| Other operating charges640/8 | - | €383 | €516 | €564 | ▲ 9.3% |
| Gross operating margin9900 | €313k | €242k | €181k | €254k | ▲ 40.1% |
| Operating profit (loss)9901 | €17k | €10k | €-94k | €-62k | ▲ 34.2% |
| Financial income75/76B | - | €4k | €211 | €0 | ▼ 99.8% |
| Recurring financial income75 | €499 | €4k | €211 | €0 | ▼ 99.8% |
| Financial charges65/66B | - | €12k | €9k | €18k | ▲ 105% |
| Recurring financial charges65 | €15k | €12k | €9k | €18k | ▲ 105% |
| Profit (loss) for the period before taxes9903 | €2k | €1k | €-102k | €-80k | ▲ 22.2% |
| Profit (loss) for the period9904 | €2k | €1k | €-102k | €-80k | ▲ 22.2% |
| Profit (loss) for the period to be appropriated9905 | €2k | €1k | €-102k | €-80k | ▲ 22.2% |
| Line | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €483k | €465k | €518k | €471k | ▼ 9.0% |
| Fixed assets21/28 | €314k | €260k | €302k | €244k | ▼ 19.1% |
| Tangible fixed assets22/27 | €313k | €260k | €302k | €244k | ▼ 19.1% |
| Plant, machinery and equipment23 | - | €5k | €9k | €6k | ▼ 38.4% |
| Furniture and vehicles24 | - | €4k | €9k | €7k | ▼ 26.1% |
| Other tangible fixed assets26 | - | €250k | €283k | €231k | ▼ 18.3% |
| Financial fixed assets28 | €500 | - | - | - | - |
| Current assets29/58 | €169k | €205k | €216k | €227k | ▲ 5.0% |
| Amounts receivable after more than one year29 | - | - | €75k | €75k | = |
| Other amounts receivable291 | - | - | €75k | €75k | = |
| Stocks and contracts in progress3 | €85k | €85k | €85k | €85k | = |
| Stocks30/36 | - | €85k | €85k | €85k | = |
| Amounts receivable within one year40/41 | €2k | €86k | €22k | €19k | ▼ 14.2% |
| Trade receivables40 | - | €9k | €16k | €16k | ▲ 0.7% |
| Other amounts receivable41 | - | €77k | €7k | €4k | ▼ 48.1% |
| Cash at bank and in hand54/58 | €73k | €27k | €28k | €44k | ▲ 56.3% |
| Deferred charges and accrued income490/1 | - | €7k | €6k | €5k | ▼ 26.0% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €483k | €465k | €518k | €471k | ▼ 9.0% |
| Equity10/15 | €22k | €24k | €-79k | €-158k | ▼ 101% |
| Contributions10/11 | - | €20k | €20k | €20k | = |
| Reserves13 | €1k | €1k | €1k | €1k | = |
| Non-distributable reserves130/1 | - | €1k | €1k | €1k | = |
| Reserves not available under the articles1311 | - | €1k | €1k | €1k | = |
| Profit (loss) carried forward14 | €1k | €3k | €-100k | €-179k | ▼ 79.9% |
| Amounts payable17/49 | €460k | €441k | €596k | €629k | ▲ 5.5% |
| Amounts payable after more than one year17 | €213k | €160k | €193k | €134k | ▼ 30.6% |
| Financial debts170/4 | - | €160k | €193k | €134k | ▼ 30.6% |
| Amounts payable within one year42/48 | €248k | €281k | €403k | €495k | ▲ 22.8% |
| Current portion of amounts payable after more than one year42 | - | €54k | €82k | €72k | ▼ 13.0% |
| Trade debts44 | €181k | €209k | €301k | €371k | ▲ 23.0% |
| Suppliers440/4 | - | €209k | €301k | €371k | ▲ 23.0% |
| Taxes, remuneration and social security45 | - | €19k | €18k | €20k | ▲ 11.8% |
| Remuneration and social security454/9 | - | €19k | €18k | €20k | ▲ 11.8% |
| Other amounts payable47/48 | - | - | €978 | €32k | ▲ 3,190% |
| Line | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2k | €1k | €-102k | €-80k | ▲ 22.2% |
| + Depreciation and write-downs630 | €76k | €57k | €65k | €75k | ▲ 16.2% |
| Operating cash flow (approximation) | €79k | €58k | €-38k | €-4k | ▲ 88.6% |
| Investment in fixed assets (approximation) | - | €-3k | €-107k | €-18k | ▲ 83.5% |
| Change in cash | - | €-46k | €1k | €16k | ▲ 1,320% |
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
2024
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
02-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 2 days late
2022
31-12
Financial
Weakest financial yearnet €-102k
Net result drops to €-102k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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 2019
Ground area
123 m²
Building footprint
71 m²
Volume, LiDAR
767 m³
Parcel 11303C0164/00V004, Flanders · tallest building 13.3 m, ±4 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Express Boechout
since 20192.289.100.921
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11303C0164/00V004 | Flanders | 123 m² | 1 · 70 m² | 13.3 m · 4 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 20,901 EUR awarded · 20,901 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,941 EUR | 1,941 EUR |
| 2024 | 1 | 5,803 EUR | 5,803 EUR |
| 2023 | 1 | 5,160 EUR | 5,160 EUR |
| 2022 | 1 | 7,997 EUR | 7,997 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
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Of 10,510 companies in sector 47110 we hold annual accounts for 5,851. 4,265 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
Founded15-05-2019
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
Scores and ratios are computed by Checked and are not a credit decision.