Cleerbout
ActiveCleerbout has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €309k and a net result of €63k. Equity is growing by ~7.8% per year across the filed fiscal years. Its solvency ranks better than 80% of 12708 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
96
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability90▲+6
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 5.71 against 0.24 in 2024; short-term debt: 17.1% and cash: 96.3% of total assets), and 17.6% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
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 · 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
82.4%
Return on assets
16.7%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-05-2026, 79 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
79 d early
2024
113 d early
2023
147 d early
2022
73 d early
2021
9 d early
2020
30 d late
2019
60 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€128k
EBIT margin
24.5%
Net result
€63k▲ 246%
2024 · €18k
2018: €33k
2019: €5k
2020: €8k
2021: €14k
2022: €18k
2023: €15k
2024: €18k
2018 → 2025
Working capital
€301k
2024 · €-52k
2018: €-89k
2019: €-92k
2020: €-94k
2021: €-89k
2022: €-75k
2023: €-66k
2024: €-52k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€128k
Equity€194k-€213k▲ 9.3%€228k▲ 7.2%€246k▲ 7.9%€309k▲ 25.5%
Operating result€26k-€31k▲ 19.1%€26k▼ 17.0%€31k▲ 20.7%€90k▲ 187%
Net result€14k-€18k▲ 30.6%€15k▼ 15.2%€18k▲ 18.3%€63k▲ 246%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 187% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €374k
Fixed assets
€9k▼ 97.0%
Current assets
€365k▲ 2,077%
Equity and liabilities €374k
Equity
€309k▲ 25.5%
Debt
€66k▼ 4.2%
The debt ratio falls from 21.8% to 17.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€93k▲
2024 · €40k
Cash flow
€65k▲
2024 · €27k
Solvency
82.4%▲
2024 · 78.2%
Current ratio
5.71▲
2024 · 0.24
Quick ratio
5.71▲
2024 · 0.24
Debt / equity
0.21▼
2024 · 0.28
ROE
20.3%▲
2024 · 7.4%
ROA
16.7%▲
2024 · 5.8%
Interest coverage
25.56▲
2024 · 7.48
Debt
€66k▼
2024 · €69k
Debt ≤ 1 year
€64k▼
2024 · €69k
Income taxes
€25k▲
2024 · €8k
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€315k€374k▲
Fixed assets21/28€298k€9k▼
Intangible fixed assets21-€0
Tangible fixed assets22/27€298k€9k▼
Land and buildings22€297k-
Plant, machinery and equipment23€682€2k▲
Furniture and vehicles24-€7k
Financial fixed assets28€40€40=
Current assets29/58€17k€365k▲
Amounts receivable within one year40/41€1k€3k▲
Trade receivables40€1k€3k▲
Cash at bank and in hand54/58€14k€360k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€315k€374k▲
Equity10/15€246k€309k▲
Contributions10/11€19k€19k=
Outside capital11-€19k
Other1109/19-€19k
Reserves13€227k€290k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€225k€288k▲
Amounts payable17/49€69k€66k▼
Amounts payable within one year42/48€69k€64k▼
Current portion of amounts payable after more than one year42€12k-
Trade debts44€2k€5k▲
Suppliers440/4€2k€5k▲
Taxes, remuneration and social security45€9k€10k▲
Taxes450/3€9k€10k▲
Other amounts payable47/48€45k€49k▲
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Turnover70€128k-
Non-recurring operating income76A€700€85k▲
Goods, raw materials, services and sundry goods60/61€94k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€2k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€43k€95k▲
Operating profit (loss)9901€31k€90k▲
Financial income75/76B€25€977▲
Recurring financial income75€25€977▲
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€26k€88k▲
Income taxes67/77€8k€25k▲
Profit (loss) for the period9904€18k€63k▲
Profit (loss) for the period to be appropriated9905€18k€63k▲
Appropriation of the result
Profit (loss) to be appropriated9906€18k€63k▲
Transfer to equity691/2€18k€63k▲
To other reserves6921€18k€63k▲
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
13-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €63k ▲246%
Operating result €90k, net result €63k, both a record.
31-12
Financial
Liquidity times 23current ratio 5.71
Current ratio from 0.24 to 5.71; short-term debt falls from €69k to €64k.
09-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
06-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €213k ▲9.3%
5 profitable years in a row build equity to €213k.
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
01-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €5k ▼85.1%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
31-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 22 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Antwerpen · 1 establishment unit since 2006
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.
Van Immerseelstraat 442018 AntwerpenGround area
148 m²
Parcel 11808H1129/00K004, Flanders. Linked by address, not a title deed.
1 establishment unit
Van Immerseelstraat 44, 2018 Antwerpen
since 20062.210.001.973
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11808H1129/00K004 | Flanders | 148 m² | - | - |
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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 3,006 EUR awarded · 3,065 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 540 EUR | 765 EUR |
| 2024 | 1 | 865 EUR | 639 EUR |
| 2023 | 1 | 677 EUR | 831 EUR |
| 2022 | 1 | 924 EUR | 830 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,175 companies in sector 69201 we hold annual accounts for 7,638. 6,045 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-03-2006
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
74121
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:serge@cleerbout.be
Phone:+3238276788