Claviarte
ActiveClaviarte has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €171k and a net result of €20k. Equity is growing by ~19.5% per year across the filed fiscal years. Its solvency ranks better than 87% of 3540 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
93
/ 100
Excellent= vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability59▼-41
Solvency100▲+8
Growth52=
Stability94
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 2.61 against 1.64 in 2023), and 20.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Sector 95
lower
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
33 d late
2022
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€171k▲ 12.9%
2023 · €151k
2022: €112k
2023: €151k
2022 → 2024
Total assets
€215k▲ 1.4%
2023 · €213k
2022: €188k
2023: €213k
2022 → 2024
Net result
€20k▼ 49.7%
2023 · €40k
2022: €111k
2023: €40k
2022 → 2024
Working capital
€57k▲ 83.1%
2023 · €31k
2022: €-8k
2023: €31k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€112k-€151k▲ 35.4%€171k▲ 12.9%
Operating result€142k-€52k▼ 63.4%€29k▼ 45.3%
Net result€111k-€40k▼ 63.5%€20k▼ 49.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 45% below 2023 and is the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €215k
Fixed assets
€122k▼ 7.5%
Current assets
€93k▲ 16.0%
Equity and liabilities €215k
Equity
€171k▲ 12.9%
Debt
€45k▼ 26.9%
The debt ratio falls from 28.8% to 20.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€52k▼
2023 · €74k
Cash flow
€44k▼
2023 · €63k
Solvency
79.2%▲
2023 · 71.2%
Current ratio
2.61▲
2023 · 1.64
Quick ratio
2.61▲
2023 · 1.64
Debt / equity
0.26▼
2023 · 0.41
ROE
11.9%▼
2023 · 26.7%
ROA
9.4%▼
2023 · 19.0%
Interest coverage
15.65▼
2023 · 46.54
Debt
€45k▼
2023 · €61k
Debt ≤ 1 year
€36k▼
2023 · €49k
Debt > 1 year
€9k▼
2023 · €12k
Income taxes
€5k▼
2023 · €10k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€213k€215k▲
Fixed assets21/28€132k€122k▼
Tangible fixed assets22/27€132k€122k▼
Land and buildings22€32k€28k▼
Furniture and vehicles24€22€0▼
Other tangible fixed assets26€101k€94k▼
Current assets29/58€80k€93k▲
Amounts receivable within one year40/41€41k€40k▼
Trade receivables40€41k€37k▼
Other amounts receivable41€44€3k▲
Cash at bank and in hand54/58€39k€53k▲
Deferred charges and accrued income490/1€41€41=
Equity and liabilities
Total equity and liabilities10/49€213k€215k▲
Equity10/15€151k€171k▲
Contributions10/11€2k€2k=
Reserves13€149k€169k▲
Distributable reserves133€149k€169k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€61k€45k▼
Amounts payable after more than one year17€12k€9k▼
Financial debts170/4€12k€9k▼
Amounts payable within one year42/48€49k€36k▼
Current portion of amounts payable after more than one year42€3k€3k▲
Trade debts44€19k€2k▼
Suppliers440/4€19k€2k▼
Taxes, remuneration and social security45€14k€8k▼
Taxes450/3€14k€8k▼
Other amounts payable47/48€13k€22k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€23k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€76k€53k▼
Operating profit (loss)9901€52k€29k▼
Financial income75/76B€3€276▲
Recurring financial income75€3€276▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€51k€26k▼
Income taxes67/77€10k€5k▼
Profit (loss) for the period9904€40k€20k▼
Profit (loss) for the period to be appropriated9905€40k€20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€40k€20k▼
Transfer to equity691/2€40k€19k▼
To other reserves6921€40k€19k▼
Profit to be distributed694/7€800€833▲
Return on contributions (dividend)694€800€833▲
The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €20k ▼49.7%
Net result drops to €20k, the lowest in the series.
02-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 33 days late
2023
31-12
Financial
Equity above €150kEq €151k ▲35.4%
2 profitable years in a row build equity to €151k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Sint-Niklaas · 1 establishment unit since 2021
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Pastorijstraat 379100 Sint-NiklaasGround area
1,150 m²
Building footprint
282 m²
Parcel 46017B0441/00D002, Flanders. Linked by address, not a title deed.
1 establishment unit
Claviarte
since 20212.321.775.964
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46017B0441/00D002 | Flanders | 1,150 m² | 1 · 282 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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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LES 100 PAS
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Of 2,546 companies in sector 95290 we hold annual accounts for 414. 309 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-09-2021
Fiscal year end31-12
Activities, NACEBEL
95290Repair and maintenance of other personal and household goods
47594Retail trade
47690Retail sale of other cultural and recreation goods
77229Renting and leasing of other personal and household goods
77299Rental and leasing activities
77400Rental and leasing activities
90393Specialised image, lighting and sound technical services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.