Financials
- Financial year
- 2025
- Total assets
- €57,787
- Profit
- €6,942
- Solvency
- 18.9%
ClayMates
ActiveSummary
ClayMates has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €10,942 and a net result of €6,942. Its solvency ranks better than 30% of 2,552 sector peers (NACE 85, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
Activity
Cultural education
NACE 85520
1 site
Size
€57,787total assets 2025
- Equity
- €10,942
- Profit
- €6,942
Turnover not published (micro format)
Structure
Accounts filed 14 days late0 of 1 deed read
Why 92raises riskFounded in 2025lowers riskSector: Education (NACE 85)Liquidity: current ratio 0.59, cash €15,969Size: total assets €57,787Show the evidence
Checked score
Score 2025
92
/ 100
Excellent
Probability in this band: under 0.55%
Financially better than 39% of its sector peers (NACE 85, micro)
Financial strength
Average
Solvency
44
equity 18.9% of total assets
Liquidity
40
short-term debt 81.1% · cash 27.6%
Profitability
84
return on assets 12.0%
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
03-2026: 0.4%
04-2026: 0.4%● unchanged vs 03-2026
05-2026: 0.4%● unchanged vs 04-2026
06-2026: 0.4%● unchanged vs 05-2026
07-2026: 0.4%● unchanged vs 06-2026
08-2026: 0.4%● unchanged vs 07-2026highest value
09-2026: 0.1%▼ -0.3 percentage points vs 08-2026lowest value
10-2026: 0.1%● unchanged vs 09-2026
Credit of up to €1,000 on 30-day terms is acceptable
Liquidity insufficient (current ratio 0.59; short-term debt: 81.1% and cash: 27.6% of total assets), and 81.1% of the assets are financed with debt.
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 85, micro): better than 29% on solvency, 21% on liquidity and 65% on profitability.
The bankruptcy probability was computed on 08-10-2026 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 risk+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-08-2026, 14 days later. For context: 47% of Belgian companies file late, and of those that file 1 to 90 days late, 2.0% are now in a legal situation other than normal in the KBO (such as bankruptcy, liquidation or dissolution), against 1.66% of all filers. We show this as a fact and do not score it.
NBB · 1 filingDeviation from the deadline
2025
14 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
- Annual accounts filedfinancial year 2025 · micro…
Key points
By topic
Timeline
- Events
- 1
- Since
- 2026
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Cultural educationNACE 85520
- Founded
- 25-02-2025
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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