Clementine

Active

Private limited companyfounded 20215 yrs activeLouis Ludwiglaan 19, 8300 Knokke-Heist, BelgiumKBO/BCE: BE 0765.582.792

The computed 12-month bankruptcy probability of Clementine is 1.7% (moderate). The 2025 annual accounts show equity of €20k and a net result of €4k. Equity is growing by ~33.1% per year across the filed fiscal years. Its solvency ranks better than 66% of 1282 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

56 / 100

Fair▼ -5 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability95▼-5

Solvency52▲+19

Growth78=

Stability94

Bankruptcy probability, 12 months

1.7% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €1k at 30 days acceptable

Liquidity short (current ratio 0.57 against 0.47 in 2024), and 59.9% of the assets are financed with debt.

How do we compute the score and the probability?

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

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

40.1%

Return on assets

7.6%

Age of the figures

8 mo

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 55

Relative position

BE, all sectors

reference

Sector 55

higher

← fewer bankruptcies more bankruptcies →

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-07-2026, 22 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

22 d early

2024

57 d early

2023

55 d early

2022

46 d early

2021

31 d early

← before the deadline after the deadline →

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 months

Position in the running window

12-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€20k▲ 23.3%

2024 · €16k

2021: €3k 2022: €9k 2023: €12k 2024: €16k

2021 → 2025

Total assets

€49k▼ 12.7%

2024 · €56k

2021: €15k 2022: €21k 2023: €44k 2024: €56k

2021 → 2025

Net result

€4k▼ 6.1%

2024 · €4k

2021: €1k 2022: €6k 2023: €3k 2024: €4k

2021 → 2025

Working capital

€-9k▲ 34.7%

2024 · €-13k

2021: €-5k 2022: €319 2023: €-11k 2024: €-13k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€3k-€9k▲ 167%€12k▲ 33.1%€16k▲ 33.0%€20k▲ 23.3%

Operating result€2k-€8k▲ 363%€4k▼ 46.2%€7k▲ 52.0%€6k▼ 10.2%

Net result€1k-€6k▲ 313%€3k▼ 47.0%€4k▲ 32.7%€4k▼ 6.1%

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 2025; 2025 is 10% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €49k

76.1%

23.9%

Fixed assets €37k▼ 15.2%

Current assets €12k▼ 3.3%

Equity and liabilities €49k

40.1%

59.9%

Equity €20k▲ 23.3%

Debt €29k▼ 26.9%

The debt ratio falls from 71.6% to 59.9%: equity grows while debt is paid down.

Key figures and ratios

2025 value · change against 2024

EBITDA

€13k▲

2024 · €12k

Cash flow

€10k▲

2024 · €10k

Solvency

40.1%▲

2024 · 28.4%

Current ratio

0.57▲

2024 · 0.47

Quick ratio

0.57▲

2024 · 0.47

Debt / equity

1.49▼

2024 · 2.52

ROE

18.9%▼

2024 · 24.8%

ROA

7.6%▲

2024 · 7.1%

Interest coverage

11.21▲

2024 · 8.25

Debt

€29k▼

2024 · €40k

Debt ≤ 1 year

€20k▼

2024 · €25k

Debt > 1 year

€9k▼

2024 · €15k

Income taxes

€2k▲

2024 · €1k

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€56k€49k▼

Fixed assets21/28€44k€37k▼

Tangible fixed assets22/27€44k€37k▼

Furniture and vehicles24€482€239▼

Other tangible fixed assets26€43k€37k▼

Current assets29/58€12k€12k▼

Amounts receivable within one year40/41€775€5k▲

Trade receivables40€740€3k▲

Other amounts receivable41€35€2k▲

Cash at bank and in hand54/58€10k€6k▼

Deferred charges and accrued income490/1€986€1k▲

Equity and liabilities

Total equity and liabilities10/49€56k€49k▼

Equity10/15€16k€20k▲

Contributions10/11€2k€2k=

Reserves13€14k€18k▲

Distributable reserves133€14k€18k▲

Amounts payable17/49€40k€29k▼

Amounts payable after more than one year17€15k€9k▼

Financial debts170/4€15k€9k▼

Amounts payable within one year42/48€25k€20k▼

Current portion of amounts payable after more than one year42€5k€6k▲

Trade debts44€4k€335▼

Suppliers440/4€4k€335▼

Taxes, remuneration and social security45€660€3k▲

Taxes450/3€660€3k▲

Other amounts payable47/48€15k€10k▼

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€7k▲

Other operating charges640/8€3k€2k▼

Gross operating margin9900€16k€15k▼

Operating profit (loss)9901€7k€6k▼

Financial income75/76B€19€694▲

Recurring financial income75€19€694▲

Financial charges65/66B€1k€1k▼

Recurring financial charges65€1k€1k▼

Profit (loss) for the period before taxes9903€5k€6k▲

Income taxes67/77€1k€2k▲

Profit (loss) for the period9904€4k€4k▼

Profit (loss) for the period to be appropriated9905€4k€4k▼

Appropriation of the result

Profit (loss) to be appropriated9906€4k€4k▼

Transfer to equity691/2€4k€4k▼

To other reserves6921€4k€4k▼

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 6Financial 1Filings 5

Next filing, fiscal year 2026, expected by 31-07-2027

2026

09-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

04-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

06-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

15-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Highest result since 2021net €6k ▲313%

Operating result €8k, net result €6k, both a record.

30-06

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Knokke-Heist · 2 establishment units since 2021

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.

Louis Ludwiglaan 198300 Knokke-Heist

Ground area

659 m²

Building footprint

213 m²

Volume, LiDAR

1,536 m³

2 parcels, Flanders · tallest building 12.4 m, ±3 floors. Linked by address, not a title deed.

2 establishment units

Clementine

Louis Ludwiglaan 19, 8300 Knokke-HeistAgents specialised in the wholesale of other particular products

since 20212.315.429.887

Huyze Clementine

Gistelse Steenweg 351A, 8200 BruggeAgents specialised in the wholesale of other particular products

since 20212.315.429.986

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
31027D0261/00W007	Flanders	476 m²	1 · 151 m²	12.4 m · 3 fl.
31013D0244/00M000	Flanders	183 m²	1 · 62 m²	6.6 m · 2 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.

Similar companies · same sector, comparable size

Sint-Genesius-Rode · Eq €20k

Koffiebar & Bed and Breakfast Charlie's

BE 0717.598.872

Antwerpen · Eq €19k

Of 1,849 companies in sector 55204 we hold annual accounts for 444. 289 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded24-03-2021

Fiscal year end31-12

Activities, NACEBEL

55204Guest rooms (bed and breakfast)

86995Nutrition and dietetics services

96230Day spas, saunas and steam baths

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.