CLAYMORE
ActiveCLAYMORE has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €82k and a net result of €14k. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 85% of 9518 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
93
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability87▼-13
Solvency100=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 6.22 against 3.74 in 2023; short-term debt: 14.8% and cash: 69.8% of total assets), and 14.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
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
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €82k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 31 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
31 d late
2023
29 d late
2022
17 d late
2021
18 d late
2020
72 d early
2019
58 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€82k▲ 20.8%
2023 · €68k
2018: €83k
2019: €75k
2020: €39k
2021: €39k
2022: €38k
2023: €68k
2018 → 2024
Total assets
€96k▲ 8.3%
2023 · €89k
2018: €120k
2019: €117k
2020: €80k
2021: €68k
2022: €81k
2023: €89k
2018 → 2024
Net result
€14k▼ 52.2%
2023 · €30k
2018: €299
2019: €-8k
2020: €-15k
2021: €14
2022: €-509
2023: €30k
2018 → 2024
Working capital
€75k▲ 29.4%
2023 · €58k
2018: €86k
2019: €75k
2020: €39k
2021: €39k
2022: €38k
2023: €58k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€39k-€39k=€38k▼ 1.3%€68k▲ 76.7%€82k▲ 20.8%
Operating result€-15k-€107€-730€34k€20k▼ 40.2%
Net result€-15k-€14€-509€30k€14k▼ 52.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 40% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €96k
Fixed assets
€7k▼ 27.6%
Current assets
€89k▲ 13.0%
Equity and liabilities €96k
Equity
€82k▲ 20.8%
Debt
€14k▼ 31.9%
The debt ratio falls from 23.6% to 14.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€24k▼
2023 · €35k
Cash flow
€18k▼
2023 · €31k
Solvency
85.2%▲
2023 · 76.4%
Current ratio
6.22▲
2023 · 3.74
Quick ratio
6.22▲
2023 · 3.70
Debt / equity
0.17▼
2023 · 0.31
ROE
17.2%▼
2023 · 43.4%
ROA
14.6%▼
2023 · 33.1%
Interest coverage
125.03▼
2023 · 174.35
Debt
€14k▼
2023 · €21k
Debt ≤ 1 year
€14k▼
2023 · €21k
Income taxes
€7k▲
2023 · €4k
Staff costs
€541▼
2023 · €4k
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€89k€96k▲
Fixed assets21/28€10k€7k▼
Tangible fixed assets22/27€10k€7k▼
Plant, machinery and equipment23€3k€3k▼
Furniture and vehicles24€7k€5k▼
Financial fixed assets28€115-
Current assets29/58€79k€89k▲
Stocks and contracts in progress3€848-
Stocks30/36€848-
Amounts receivable within one year40/41€23k€22k▼
Trade receivables40€23k€16k▼
Other amounts receivable41-€5k
Cash at bank and in hand54/58€55k€67k▲
Equity and liabilities
Total equity and liabilities10/49€89k€96k▲
Equity10/15€68k€82k▲
Contributions10/11€19k€19k=
Reserves13€31k€45k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€30k€44k▲
Profit (loss) carried forward14€18k€18k=
Amounts payable17/49€21k€14k▼
Amounts payable within one year42/48€21k€14k▼
Trade debts44€1k€13k▲
Suppliers440/4€1k€13k▲
Taxes, remuneration and social security45€7k€1k▼
Taxes450/3€7k€1k▼
Other amounts payable47/48€13k€107▼
Income statement
Code20232024
Remuneration, social security and pensions62€4k€541▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€4k▲
Other operating charges640/8-€170
Gross operating margin9900€39k€25k▼
Operating profit (loss)9901€34k€20k▼
Financial income75/76B€40€833▲
Recurring financial income75€40€833▲
Financial charges65/66B€203€191▼
Recurring financial charges65€203€191▼
Profit (loss) for the period before taxes9903€34k€21k▼
Income taxes67/77€4k€7k▲
Profit (loss) for the period9904€30k€14k▼
Profit (loss) for the period to be appropriated9905€30k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€48k€32k▼
Profit (loss) brought forward from the previous period14P€18k€18k=
Transfer to equity691/2€30k€14k▼
To other reserves6921€30k€14k▼
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Back to profitnet €30k
Net result €30k after one loss-making year.
17-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
2022
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
31-12
Financial
Back to profitnet €14
Net result €14 after 2 loss-making years.
20-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-15k
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
03-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
09-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 9 days late
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
09-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are 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, Ciney · 1 establishment unit since 2002
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.
Rue des Stations 1325590 CineyGround area
7,047 m²
Building footprint
1,406 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue du Parc Industriel d'Achêne 20, 5590 Ciney
since 20022.093.396.689
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91001C0131/00K002 | Wallonia | 5,305 m² | 1 · 982 m² | - |
| 91030A0353/00W002 | Wallonia | 1,742 m² | 1 · 424 m² | - |
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.
Similar companies · same sector, comparable size
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ALIZANNE
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ART BLANC
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SOLITAIR
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I. Blauwens
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Of 24,503 companies in sector 82990 we hold annual accounts for 9,402. 7,150 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-10-2001
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
43240Other construction installation
43299Specialised construction activities
46872Wholesale trade
47521Retail sale of hardware, building materials, paint and glass (general range)
47789Other retail sale of new goods
51570
52461
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.