ClearHorizon
ActiveClearHorizon has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €24k and a net result of €10k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 36% of 1030 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability90▼-10
Solvency12▲+6
Growth85=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.37 against 0.34 in 2024), and 82.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
17.8%
Return on assets
7.4%
Age of the figures
8 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 13-08-2026, 13 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
13 d late
2024
28 d late
2023
20 d late
2022
29 d late
2021
25 d late
2020
16 d late
2019
19 d late
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€116k▼ 6.1%
2024 · €124k
2018: €16k
2019: €75k
2020: €70k
2021: €80k
2022: €86k
2023: €112k
2024: €124k
2018 → 2025
EBIT margin
11.9%▼ 5.8pp
2024 · 17.7%
2018: -181.0%
2019: 15.4%
2020: -13.6%
2021: 5.7%
2022: 8.8%
2023: 23.0%
2024: 17.7%
2018 → 2025
Net result
€10k▼ 46.0%
2024 · €19k
2018: €-34k
2019: €8k
2020: €-16k
2021: €685
2022: €979
2023: €22k
2024: €19k
2018 → 2025
Working capital
€-44k▲ 18.2%
2024 · €-54k
2018: €-74k
2019: €-75k
2020: €-67k
2021: €-67k
2022: €-71k
2023: €-63k
2024: €-54k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€80k-€86k▲ 7.3%€112k▲ 30.3%€124k▲ 10.7%€116k▼ 6.1%
Equity€-27k-€-26k▲ 3.6%€-5k▲ 82.4%€14k€24k▲ 71.7%
Operating result€5k-€8k▲ 64.7%€26k▲ 243%€22k▼ 15.0%€14k▼ 36.7%
Net result€685-€979▲ 42.9%€22k▲ 2,129%€19k▼ 13.7%€10k▼ 46.0%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 37% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €137k
Fixed assets
€111k▼ 12.6%
Current assets
€26k▼ 9.1%
Equity and liabilities €137k
Equity
€24k▲ 71.7%
Debt
€112k▼ 20.4%
The debt ratio falls from 90.9% to 82.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€45k▼
2024 · €51k
Cash flow
€41k▼
2024 · €47k
Solvency
17.8%▲
2024 · 9.1%
Current ratio
0.37▲
2024 · 0.34
Quick ratio
0.37▲
2024 · 0.34
Debt / equity
4.61▼
2024 · 9.96
ROE
41.8%▼
2024 · 132.9%
ROA
7.4%▼
2024 · 12.1%
Interest coverage
15.42▼
2024 · 16.29
Debt
€112k▼
2024 · €141k
Debt ≤ 1 year
€70k▼
2024 · €83k
Debt > 1 year
€42k▼
2024 · €58k
Income taxes
€808
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€155k€137k▼
Fixed assets21/28€127k€111k▼
Tangible fixed assets22/27€126k€110k▼
Land and buildings22€71k€61k▼
Plant, machinery and equipment23€53k€35k▼
Furniture and vehicles24€3k€14k▲
Financial fixed assets28€500€500=
Current assets29/58€28k€26k▼
Amounts receivable within one year40/41€456€0▼
Trade receivables40€0€0=
Other amounts receivable41€456€0▼
Cash at bank and in hand54/58€28k€26k▼
Equity and liabilities
Total equity and liabilities10/49€155k€137k▼
Equity10/15€14k€24k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€-4k€6k▲
Amounts payable17/49€141k€112k▼
Amounts payable after more than one year17€58k€42k▼
Financial debts170/4€58k€42k▼
Amounts payable within one year42/48€83k€70k▼
Current portion of amounts payable after more than one year42€38k€18k▼
Trade debts44€4k€41▼
Suppliers440/4€4k€41▼
Taxes, remuneration and social security45€0€1k▲
Taxes450/3€0€1k▲
Other amounts payable47/48€40k€51k▲
Income statement
Code20242025
Turnover70€124k€116k▼
Goods, raw materials, services and sundry goods60/61€58k€62k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€31k▲
Other operating charges640/8€16k€10k▼
Gross operating margin9900€66k€55k▼
Operating profit (loss)9901€22k€14k▼
Financial income75/76B€1-
Recurring financial income75€1-
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€19k€11k▼
Income taxes67/77-€808
Profit (loss) for the period9904€19k€10k▼
Profit (loss) for the period to be appropriated9905€19k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€6k▲
Profit (loss) brought forward from the previous period14P€-23k€-4k▲
The notes to these accounts (10 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
13-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 13 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 28 days late
2024
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 20 days late
2023
31-12
Financial
Highest result since 2018net €22k ▲2129%
Operating result €26k, net result €22k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 29 days late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 25 days late
2021
31-12
Financial
Back to profitnet €685
Net result €685 after one loss-making year.
16-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 16 days late
2020
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 19 days late
2019
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 28 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 30 days late
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 2016
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.
Quai de Meuse(JB) 285100 NamurGround area
3,128 m²
Building footprint
462 m²
Volume, LiDAR
744 m³
2 parcels, Wallonia · tallest building 13.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Purple Wash
since 20162.253.863.690
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92067A0617/00A000 | Wallonia | 2,882 m² | 1 · 396 m² | - |
| 92067B0451/00_000 | Wallonia | 245 m² | 1 · 66 m² | 13.5 m · 4 fl. |
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.
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Of 995 companies in sector 96102 we hold annual accounts for 455. 334 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-03-2016
Fiscal year end31-12
Activities, NACEBEL
96102Launderettes and laundries for private customers
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.