CLEAN TAPIS
ActiveCLEAN TAPIS has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €174k and a net result of €58k. Equity is growing by ~18.3% per year across the filed fiscal years. Its solvency ranks better than 30% of 908 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+5
Solvency44▲+5
Growth70=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity tight (current ratio 1.07 against 1.02 in 2024; short-term debt: 67.9% and cash: 10.2% of total assets), and 81.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 77
Relative position
BE, all sectors
reference
Sector 77
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
18.6%
Return on assets
6.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-08-2026, 11 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
11 d late
2024
5 d late
2023
14 d late
2022
32 d late
2021
31 d late
2020
11 d early
2019
2 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€1.49M▲ 18.6%
2021 · €1.25M
2018: €1.14M
2019: €1.20M
2020: €1.10M
2021: €1.25M
2018 → 2022
EBIT margin
1.9%▲ 1.1pp
2021 · 0.8%
2018: 0.8%
2019: 1.0%
2020: -0.1%
2021: 0.8%
2018 → 2022
Net result
€58k▲ 195%
2024 · €20k
2018: €214
2019: €2k
2020: €-7k
2021: €3k
2022: €13k
2023: €28k
2024: €20k
2018 → 2025
Working capital
€42k▲ 207%
2024 · €14k
2018: €-6k
2019: €13k
2020: €20k
2021: €18k
2022: €16k
2023: €23k
2024: €14k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€1.25M-€1.49M▲ 18.6%
Equity€55k-€68k▲ 23.4%€96k▲ 40.4%€115k▲ 20.6%€174k▲ 50.3%
Operating result€10k-€29k▲ 182%€55k▲ 89.4%€46k▼ 16.5%€104k▲ 127%
Net result€3k-€13k▲ 312%€28k▲ 113%€20k▼ 28.4%€58k▲ 195%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 127% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €930k
Fixed assets
€257k▲ 33.0%
Current assets
€674k▲ 9.3%
Equity and liabilities €930k
Equity
€174k▲ 50.3%
Debt
€757k▲ 9.0%
The debt ratio falls from 85.7% to 81.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€170k▲
2024 · €100k
Cash flow
€124k▲
2024 · €74k
Solvency
18.6%▲
2024 · 14.3%
Current ratio
1.07▲
2024 · 1.02
Quick ratio
1.07▲
2024 · 1.02
Debt / equity
4.36▼
2024 · 6.01
ROE
33.5%▲
2024 · 17.1%
ROA
6.2%▲
2024 · 2.4%
Interest coverage
9.30▲
2024 · 8.21
Debt
€757k▲
2024 · €694k
Debt ≤ 1 year
€632k▲
2024 · €603k
Debt > 1 year
€122k▲
2024 · €89k
Income taxes
€30k▲
2024 · €14k
Staff costs
€698k▲
2024 · €641k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€810k€930k▲
Fixed assets21/28€193k€257k▲
Tangible fixed assets22/27€190k€253k▲
Land and buildings22€7k€15k▲
Furniture and vehicles24€7k€8k▲
Leasing and similar rights25€175k€231k▲
Financial fixed assets28€4k€4k=
Current assets29/58€616k€674k▲
Amounts receivable within one year40/41€529k€560k▲
Trade receivables40€502k€560k▲
Other amounts receivable41€27k-
Current investments50/53€2k€2k=
Cash at bank and in hand54/58€70k€95k▲
Deferred charges and accrued income490/1€16k€17k▲
Equity and liabilities
Total equity and liabilities10/49€810k€930k▲
Equity10/15€115k€174k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€95k€153k▲
Amounts payable17/49€694k€757k▲
Amounts payable after more than one year17€89k€122k▲
Financial debts170/4€89k€122k▲
Amounts payable within one year42/48€603k€632k▲
Current portion of amounts payable after more than one year42€65k€83k▲
Financial debts43€65k€50k▼
Credit institutions430/8€65k€50k▼
Trade debts44€312k€348k▲
Suppliers440/4€312k€348k▲
Taxes, remuneration and social security45€161k€151k▼
Taxes450/3€95k€93k▼
Remuneration and social security454/9€66k€58k▼
Accrued charges and deferred income492/3€2k€3k▲
Income statement
Code20242025
Remuneration, social security and pensions62€641k€698k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€55k€66k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-104€10k▲
Other operating charges640/8€15k€20k▲
Gross operating margin9900€756k€898k▲
Operating profit (loss)9901€46k€104k▲
Financial income75/76B€43€2k▲
Recurring financial income75€43€2k▲
Financial charges65/66B€12k€18k▲
Recurring financial charges65€12k€18k▲
Profit (loss) for the period before taxes9903€34k€88k▲
Income taxes67/77€14k€30k▲
Profit (loss) for the period9904€20k€58k▲
Profit (loss) for the period to be appropriated9905€20k€58k▲
Appropriation of the result
Profit (loss) to be appropriated9906€95k€153k▲
Profit (loss) brought forward from the previous period14P€75k€95k▲
Social balance
Average headcount (FTE)908713.113.9▲
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
11-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 11 days late
2025
31-12
Financial
Highest result since 2018net €58k ▲195%
Operating result €104k, net result €58k, both a record.
31-12
Financial
Equity above €150kEq €174k ▲50.3%
5 profitable years in a row build equity to €174k.
05-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 5 days late
2024
31-12
Financial
Equity above €100kEq €115k ▲20.6%
4 profitable years in a row build equity to €115k.
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 14 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 32 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Weakest financial yearnet €-7k ▼430%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
09-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 9 days late
2018
13-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 13 days late
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Namur · 1 establishment unit since 1986
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 Salamandres(NN) 55100 NamurGround area
3,399 m²
Building footprint
608 m²
Volume, LiDAR
3,741 m³
Parcel 92095B0011/00S002, Wallonia · tallest building 6.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue des Salamandres(NN) 5, 5100 Namur
since 19862.037.203.205
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92095B0011/00S002 | Wallonia | 3,399 m² | 1 · 607 m² | 6.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
Marchand Creative et CO.
BE 0436.253.045
Rixensart · Eq €173k
CERETAX
BE 0430.459.274
Zottegem · Eq €173k
SURFCITY
BE 0820.284.854
Beringen · Eq €172k
RONALD SMETS
BE 0461.327.050
Herk-de-Stad · Eq €176k
ART FORUM
BE 0440.192.928
Antwerpen · Eq €171k
Of 883 companies in sector 77229 we hold annual accounts for 320. 249 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-04-1986
Fiscal year end31-12
Activities, NACEBEL
71408
77229Renting and leasing of other personal and household goods
77299Rental and leasing activities
93011
96101Personal service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.