CLAVISMO has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2019 annual accounts show equity of €103k and a net result of €-22k. The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
No current score
Figures too old
The available figures for FY 2019 are too old to assess current financial health.
Filing: Five or more filing cycles are missing. This points to a standstill, not an imminent failure.
Axes, FY 2019 · tick = 2018
Profitability34▲+1
Solvency32▼-3
Growth58
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+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 2019Solvency, return and age of the figures
Solvency
7.3%
Return on assets
-1.6%
Age of the figures
81 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · No filing for years
The last filed financial year closed on 31-12-2019. Since then, 6 financial years are missing. This points to a standstill, not an imminent failure.
NBB · 10 filingsPosition against the passed deadline
31-12-2020 close31-07-2021 deadline22-09-2026 today
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2019 was due by 31-07-2020 and was filed on 16-06-2020, 45 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
not filed
2022
not filed
2021
not filed
2020
not filed
2019
45 d early
← before the deadline
after the deadline →
Financials · fiscal year 2019, full schema
Source amounts without an identifiable currency are assumed to be EUR.
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-22k▲ 7.3%
2018 · €-24k
2018: €-24k
2018 → 2019
Working capital
€16k▲ 265%
2018 · €4k
2018: €4k
2018 → 2019
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20182019Trend
Equity€141k-€103k▼ 27.0%
Operating result€-20k-€-18k▲ 8.2%
Net result€-24k-€-22k▲ 7.3%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €18k in 2019 against €20k in 2018; the loss shrinks.
Balance-sheet composition
2019 in colour, 2018 as the grey bar beneath
Assets €1.40M
Fixed assets
€1.38M▼ 3.4%
Current assets
€22k▲ 39.5%
Equity and liabilities €1.40M
Equity
€103k▼ 27.0%
Debt
€1.30M▲ 0.2%
The debt ratio rises from 90.2% to 92.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€6k▲
2018 · €5k
Cash flow
€2k▲
2018 · €987
Solvency
7.3%▼
2018 · 9.8%
Current ratio
3.62▲
2018 · 1.38
Quick ratio
3.62▲
2018 · 1.38
Debt / equity
12.60▲
2018 · 9.18
ROE
-21.8%▼
2018 · -17.2%
ROA
-1.6%▲
2018 · -1.7%
Debt
€1.30M▲
2018 · €1.30M
Debt ≤ 1 year
€6k▼
2018 · €11k
Debt > 1 year
€1.29M▲
2018 · €1.29M
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 · 2019 against 2018
Balance sheet
Code20182019
Assets
Total assets20/58€1.44M€1.40M▼
Formation expenses20€0-
Fixed assets21/28€1.43M€1.38M▼
Intangible fixed assets21€0-
Tangible fixed assets22/27€1.43M€1.38M▼
Financial fixed assets28€0-
Current assets29/58€16k€22k▲
Stocks and contracts in progress3€0-
Amounts receivable within one year40/41€170-
Current investments50/53€0-
Cash at bank and in hand54/58€15k€21k▲
Equity and liabilities
Total equity and liabilities10/49€1.44M€1.40M▼
Equity10/15€141k€103k▼
Contributions10/11€600k€600k=
Profit (loss) carried forward14€-475k€-497k▼
Amounts payable17/49€1.30M€1.30M▲
Amounts payable after more than one year17€1.29M€1.29M▲
Amounts payable within one year42/48€11k€6k▼
Trade debts44€553€530▼
Income statement
Code20182019
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€25k▼
Gross operating margin9900€20k€10k▼
Operating profit (loss)9901€-20k€-18k▲
Recurring financial income75€0-
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€-24k€-22k▲
Income taxes67/77€0-
Profit (loss) for the period9904€-24k€-22k▲
Profit (loss) for the period to be appropriated9905€-24k€-22k▲
Appropriation of the result
Return on contributions (dividend)694€0-
Timeline · acts, filings and financial milestones
2020
16-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Liquidity triplescurrent ratio 3.62
Current ratio from 1.38 to 3.62; short-term debt falls from €11k to €6k.
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
05-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
06-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
27-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
2015
31-08
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 31 days late
2014
03-09
NBB filing
Annual accounts filed
fiscal year 2013 · full schema · 34 days late
2013
09-08
NBB filing
Annual accounts filed
fiscal year 2012 · full schema · 9 days late
2012
30-08
NBB filing
Annual accounts filed
fiscal year 2011 · full schema · 30 days late
2011
29-07
NBB filing
Annual accounts filed
fiscal year 2010 · full schema
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, Ouffet · 1 establishment unit since 2008
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.
Béemont 64590 OuffetGround area
2,537 m²
Building footprint
387 m²
Volume, LiDAR
3,338 m³
2 parcels, Wallonia · tallest building 16.9 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Clavismo
since 20082.316.107.008
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61075A0045/00E000 | Wallonia | 2,218 m² | 1 · 259 m² | 11.8 m · 2 fl. |
| 63073B2080/00C000 ProtectedSite or landscape |
Wallonia | 319 m² | 1 · 128 m² | 16.9 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 11,750 companies in sector 68310 we hold annual accounts for 6,907. 5,189 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formLimited partnership
Founded10-03-2008
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.