CLEMAT
ActiveCLEMAT has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €22k and a net result of €-13k. Equity is growing by ~7.7% per year across the filed fiscal years. Its solvency ranks better than 17% of 9016 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability0▼-100
Solvency41▼-5
Growth52=
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity ample (current ratio 4.56 against 15.84 in 2023), but 88.1% 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
11.9%
Return on assets
-7%
Age of the figures
20 mo
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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 9016 sector peers (2024).
NBB · sector comparisonPosition among 9016 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 14-07-2025, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
17 d early
2023
40 d early
2022
10 d late
2021
53 d early
2020
283 d late
2019
98 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€22k▼ 36.8%
2023 · €35k
2018: €-23k
2019: €28k
2020: €23k
2021: €21k
2022: €23k
2023: €35k
2018 → 2024
Total assets
€186k▼ 2.0%
2023 · €190k
2018: €78k
2019: €126k
2020: €342k
2021: €187k
2022: €167k
2023: €190k
2018 → 2024
Net result
€-13k
2023 · €12k
2018: €16k
2019: €51k
2020: €-6k
2021: €-2k
2022: €3k
2023: €12k
2018 → 2024
Working capital
€139k▼ 18.0%
2023 · €170k
2018: €62k
2019: €112k
2020: €309k
2021: €177k
2022: €165k
2023: €170k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€23k-€21k▼ 9.0%€23k▲ 13.0%€35k▲ 51.9%€22k▼ 36.8%
Operating result€-6k-€-2k▲ 66.0%€3k€16k▲ 491%€-13k
Net result€-6k-€-2k▲ 64.0%€3k€12k▲ 352%€-13k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €13k after €16k in 2023, the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €186k
Fixed assets
€8k▼ 9.9%
Current assets
€179k▼ 1.6%
Equity and liabilities €186k
Equity
€22k▼ 36.8%
Debt
€164k▲ 6.0%
The debt ratio rises from 81.5% to 88.1%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-11k▼
2023 · €17k
Cash flow
€-11k▼
2023 · €13k
Solvency
11.9%▼
2023 · 18.5%
Current ratio
4.56▼
2023 · 15.84
Quick ratio
4.55▼
2023 · 15.82
Debt / equity
7.37▲
2023 · 4.39
ROE
-58.3%▼
2023 · 34.2%
ROA
-7.0%▼
2023 · 6.3%
Interest coverage
-140.20▼
2023 · 11.54
Debt
€164k▲
2023 · €155k
Debt ≤ 1 year
€39k▲
2023 · €11k
Debt > 1 year
€125k▼
2023 · €143k
Income taxes
€0▼
2023 · €2k
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€190k€186k▼
Fixed assets21/28€8k€8k▼
Tangible fixed assets22/27€8k€8k▼
Plant, machinery and equipment23-€1k
Furniture and vehicles24€8k€7k▼
Current assets29/58€182k€179k▼
Stocks and contracts in progress3€217€297▲
Stocks30/36€217€297▲
Amounts receivable within one year40/41€168k€175k▲
Trade receivables40€158k€163k▲
Other amounts receivable41€10k€12k▲
Cash at bank and in hand54/58€13k€3k▼
Deferred charges and accrued income490/1€663€1k▲
Equity and liabilities
Total equity and liabilities10/49€190k€186k▼
Equity10/15€35k€22k▼
Contributions10/11€6k€6k=
Reserves13€19k€16k▼
Distributable reserves133€19k€16k▼
Profit (loss) carried forward14€10k€0▼
Amounts payable17/49€155k€164k▲
Amounts payable after more than one year17€143k€125k▼
Other amounts payable178/9€143k€125k▼
Amounts payable within one year42/48€11k€39k▲
Trade debts44€9k€38k▲
Suppliers440/4€9k€38k▲
Taxes, remuneration and social security45€3k€1k▼
Taxes450/3€3k€1k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€1k€914▼
Non-recurring operating charges66A€343€0▼
Gross operating margin9900€19k€-10k▼
Operating profit (loss)9901€16k€-13k▼
Financial income75/76B€0€1▲
Recurring financial income75€0€1▲
Financial charges65/66B€1k€77▼
Recurring financial charges65€1k€77▼
Profit (loss) for the period before taxes9903€15k€-13k▼
Income taxes67/77€2k€0▼
Profit (loss) for the period9904€12k€-13k▼
Profit (loss) for the period to be appropriated9905€12k€-13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€22k€-3k▼
Profit (loss) brought forward from the previous period14P€10k€10k=
Transfer from equity791/2-€3k
Transfer to equity691/2€12k€0▼
To other reserves6921€12k€0▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (17 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-13k ▼208%
Net result drops to €-13k, the lowest in the series.
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
10-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 10 days late
2022
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
31-12
Financial
Liquidity times 8current ratio 260.34
Current ratio from 30.80 to 260.34; short-term debt falls from €6k to €638.
08-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
10-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 283 days late
2021
31-12
Financial
Liquidity triplescurrent ratio 30.80
Current ratio from 10.58 to 30.80; short-term debt falls from €32k to €6k.
2020
06-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 98 days late
2019
31-12
Financial
Highest result since 2018net €51k ▲230%
Operating result €60k, net result €51k, both a record.
10-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 71 days late
2018
15-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
09-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
10-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated 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, Ronse · 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.
Coupl'Voie 879600 RonseGround area
1,206 m²
Building footprint
220 m²
Volume, LiDAR
2,599 m³
Parcel 45422D0762/00W000, Flanders · tallest building 16.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
CLEMAT
since 20062.153.194.023
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45422D0762/00W000 | Flanders | 1,206 m² | 1 · 220 m² | 16.1 m · 4 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
MEAT AND MARKET
BE 0721.983.965
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VIANCOR
BE 1017.226.528
Pepinster · Eq €22k
GEERBEN
BE 0454.875.659
Ieper · Eq €22k
PLUMCO
BE 0456.332.243
Herentals · Eq €23k
VLEESWAREN VERMEIRE-COPPENS
BE 0449.164.636
Kaprijke · Eq €23k
Of 751 companies in sector 46321 we hold annual accounts for 548. 184 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-03-2006
Fiscal year end31-12
Activities, NACEBEL
46321Wholesale of meat and meat products, excluding game and poultry
51321
47221Retail sale of meat and meat products, excluding game and poultry
52220
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.