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CLAY'S AND MORE

Active
Private limited companyfounded 2024active for 2 yearsAv. de la Faculté-d'Agronomie 51, 5030 Gembloux, BelgiumKBO/BCE: BE 1010.876.194

From the official registers: KBO 1 annual account at the National Bank publications in the Belgian Official Gazette

Summary

CLAY'S AND MORE has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €21,624 and a net result of €18,124. Its solvency ranks better than 39% of 12,757 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 1.2% (low).

Overview

Official details

KBO
Status
Active since 27-06-2024 Normal situation
Activity
Other retail sale of food NACE 47279and 5 others
Establishment unit
2.361.782.625 5030 Gembloux, since 01-07-2024
Financial year end
30 June
Peppol
Reachable since 07-01-2026

Financial position

66 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
1.2%
Annual accounts to 30-06-2025
Gross margin
€37,308
Turnover
≈ €360,000
estimated
Profit
€18,124
Equity
€21,624
Total assets
€80,677
Staff
1 FTE
Filed on 02-02-2026, 2 days after the deadlineat the National Bank
Score breakdownraises riskFounded in 2024Size: total assets €80,677Sector: Retail trade (NACE 47)lowers riskLiquidity: current ratio 0.97, cash €27,865Show the evidence

Checked score

Score 2025
66 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially stronger than 64% of micro companies in retail trade (NACE 47)
Financial strength
Strong
Solvency 52
equity 26.8% of total assets
Liquidity 54
short-term debt 73.2% · cash 34.5%
Profitability 97
return on assets 22.5%
Bankruptcy probability within 12 months
1.2% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,270 companies, NACE 47, micro)
Last 24 months 07-2025: 1.8% 08-2025: 1.8%● unchanged vs 07-2025 09-2025: 1.8%● unchanged vs 08-2025 10-2025: 2.2%▲ +0.4 percentage points vs 09-2025 11-2025: 2.3%▲ +0.1 percentage points vs 10-2025 12-2025: 2.6%▲ +0.3 percentage points vs 11-2025 01-2026: 2.6%● unchanged vs 12-2025 02-2026: 2.8%▲ +0.2 percentage points vs 01-2026 03-2026: 2.9%▲ +0.1 percentage points vs 02-2026 04-2026: 2.8%▼ -0.1 percentage points vs 03-2026 05-2026: 2.8%● unchanged vs 04-2026 06-2026: 3.2%▲ +0.4 percentage points vs 05-2026 07-2026: 3.2%● unchanged vs 06-2026highest value 08-2026: 3.2%● unchanged vs 07-2026highest value 09-2026: 3.2%● unchanged vs 08-2026highest value 10-2026: 1.2%▼ -2.0 percentage points vs 09-2026lowest value
Credit of up to €1,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.97, below 1. Short-term debt is 73.2% and cash 34.5% of total assets. 73.2% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 42% of them on solvency, 59% on liquidity and 90% on profitability.

The bankruptcy probability was computed on 31-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises risk
raises risk · Founded in 2024
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
lowers risk · Liquidity: current ratio 0.97, cash €27,865
NBB · annual accounts
raises risk · Size: total assets €80,677
Companies of this size fail more often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Sector: Retail trade (NACE 47)
KBO
raises risk · 2025 accounts filed 2 days late
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filing
Deviation from the deadline
2025
2 days late
← before the deadline after the deadline →
Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
That holds for every publication since incorporation in 2024.
KBO publications

Key points

  • Caution: Less equity than 81% of companies in retail tradesector median €236,771 · 12,767 companies €21,624 View

Comparable companies

These companies have the same main activity as CLAY'S AND MORE: other retail sale of food (NACE 47279). They are comparable in size and age: total assets between €62,400 and €106,000, founded between 2023 and 2024.

CompanyTotal assetsGross margin
CLAY'S AND MORE Gembloux€80,677€37,308
Piccola Italia Genk€62,430€30,286
DE PLANTAGE 2.0 Beveren-Kruibeke-Zwijndrecht€106,079€41,358
HG SOLUTION Ganshoren€96,691€27,404
Mattia Hasselt€84,832€62,664
Rêve de Chocolat Aarschot€74,422€49,853
8grams Riemst€102,091€33,585
Full comparison

Documents

Annual accounts at the NBB

Acts in the Belgian Official Gazette

All publications in the Belgian Official Gazette

Articles and registers

Key facts about CLAY'S AND MORE

What is the company number of CLAY'S AND MORE?
The company number of CLAY'S AND MORE is 1010.876.194. The VAT number is the same number with BE in front: BE 1010.876.194.
Where is CLAY'S AND MORE based?
The registered office is at Av. de la Faculté-d'Agronomie 51, 5030 Gembloux.Company details
What does CLAY'S AND MORE do?
According to the KBO register, the main activity is other retail sale of food (NACE 47279).
What is the legal form of CLAY'S AND MORE?
The legal form of CLAY'S AND MORE is Private limited company (BV).
When was CLAY'S AND MORE founded?
CLAY'S AND MORE was founded on 27-06-2024.
Is CLAY'S AND MORE still active?
Yes, CLAY'S AND MORE is an active enterprise in the KBO register.
How many employees does CLAY'S AND MORE have?
CLAY'S AND MORE had an average of 1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of CLAY'S AND MORE?
The turnover in financial year 2025 is ≈ €360,000. This figure is estimated from the gross margin of €37,308 and 55 comparable companies (NACE 472). It probably lies between €190,000 and €610,000.
Is CLAY'S AND MORE profitable?
In financial year 2025, CLAY'S AND MORE made a profit of €18,124.
Where can I find the annual accounts of CLAY'S AND MORE?
CLAY'S AND MORE filed 1 annual account with the National Bank of Belgium, for financial year 2025.Annual accounts at the National Bank

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