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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
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 12,713 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 1.2% (low).

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CLAY'S AND MOREActiveChecked score 66/100
Risk analysis ReportCompare

Overview

Activity
Other retail sale of food
NACE 47279Non-specialised retail sale with food, beverages or tobacco predominating NACE 47110
1 site
Size
≈ €370,000turnover 2025, estimated
Staff
1 FTE
Equity
€21,624
Profit
€18,124
Turnover estimated from the gross margin
Financial health
66 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
1.2%
Structure
2025 accounts filed 2 days late
Why 66raises 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 better than 64% of its sector peers (NACE 47, micro)
Every signal that counts is listed under Signals.
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, 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% (40,259 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 insufficient (current ratio 0.97, below 1; short-term debt: 73.2% and cash: 34.5% of total assets), and 73.2% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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): better than 42% on solvency, 59% on liquidity and 90% on profitability.

The bankruptcy probability was computed on 28-10-2026 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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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 its 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 its 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
Searched since incorporation in 2024.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · abbreviated…
  2. IncorporationAppointments: de MOFFARTS Benoit Marie…

Key points

  • Caution: Among the weakest 19% on equitysector median €237,523 · 12,723 companies €21,624 View
  • Board2 directors in office 2 View
  • Total assets 2025first financial year filed €80,677 View

By topic

Financials

Financial year
2025
Total assets
€80,677
Profit
€18,124
Solvency
26.8%
Go to Financials

Board & ownership

Board
2 members
  • de MOFFARTS Benoit Marie Hervé Henri GhislainDirector
  • de MOFFARTS Claire MarieDirector
Go to Board & ownership

Company details

Sites
1
Legal form
Private limited company
Activity
Other retail sale of foodNACE 47279
Founded
27-06-2024
Year ends
30-06
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
25
Annual meeting
Last Friday of December at 18:00
Purpose
“L’achat et la vente,en gros ou en détail,de tout produit alimentaire et notamment de tout…” (deed in French)
Statutory auditor
No statutory auditor
Go to Articles of association

Key facts about CLAY'S AND MORE

What is the company number of CLAY'S AND MORE?
1010.876.194. In Belgium the VAT number is the company 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?
Private limited company (BV).
When was CLAY'S AND MORE 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?
On average 1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of CLAY'S AND MORE?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
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.

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