CLEMY'S
ActiveCLEMY'S has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €155k and a net result of €20k. Equity is growing by ~15.5% per year across the filed fiscal years. Its solvency ranks better than 47% of 18281 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (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
Profitability56▲+8
Solvency56▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity short (current ratio 0.29 against 0.32 in 2024; short-term debt: 40.1% and cash: 6.3% of total assets), and 69% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
31%
Return on assets
3.9%
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
34 d early
2023
56 d early
2022
10 d late
2021
46 d early
2020
1 d early
2019
7 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
Equity
€155k▲ 14.5%
2024 · €136k
2018: €74k
2019: €49k
2020: €78k
2021: €94k
2022: €101k
2023: €123k
2024: €136k
2018 → 2025
Total assets
€501k▼ 5.9%
2024 · €532k
2018: €626k
2019: €552k
2020: €530k
2021: €511k
2022: €588k
2023: €567k
2024: €532k
2018 → 2025
Net result
€20k▲ 53.2%
2024 · €13k
2018: €3k
2019: €-24k
2020: €28k
2021: €17k
2022: €7k
2023: €22k
2024: €13k
2018 → 2025
Working capital
€-143k▼ 0.7%
2024 · €-142k
2018: €-80k
2019: €-129k
2020: €-126k
2021: €-133k
2022: €-146k
2023: €-136k
2024: €-142k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€94k-€101k▲ 6.9%€123k▲ 21.8%€136k▲ 10.4%€155k▲ 14.5%
Operating result€52k-€28k▼ 45.7%€57k▲ 104%€45k▼ 21.7%€54k▲ 21.3%
Net result€17k-€7k▼ 60.5%€22k▲ 236%€13k▼ 41.7%€20k▲ 53.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 21% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €501k
Fixed assets
€443k▼ 5.0%
Current assets
€58k▼ 11.8%
Equity and liabilities €501k
Equity
€155k▲ 14.5%
Debt
€346k▼ 12.8%
The debt ratio falls from 74.5% to 69.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€92k▲
2024 · €81k
Cash flow
€57k▲
2024 · €49k
Solvency
31.0%▲
2024 · 25.5%
Current ratio
0.29▼
2024 · 0.32
Quick ratio
0.21▼
2024 · 0.26
Debt / equity
2.22▼
2024 · 2.92
ROE
12.6%▲
2024 · 9.4%
ROA
3.9%▲
2024 · 2.4%
Interest coverage
3.83▲
2024 · 3.11
Debt
€346k▼
2024 · €397k
Debt ≤ 1 year
€201k▼
2024 · €208k
Debt > 1 year
€145k▼
2024 · €189k
Income taxes
€11k▲
2024 · €6k
Staff costs
€101k▼
2024 · €142k
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€532k€501k▼
Fixed assets21/28€467k€443k▼
Intangible fixed assets21€2k€624▼
Tangible fixed assets22/27€465k€443k▼
Land and buildings22€455k€427k▼
Plant, machinery and equipment23€8k€13k▲
Furniture and vehicles24€2k€2k▲
Current assets29/58€65k€58k▼
Stocks and contracts in progress3€12k€15k▲
Stocks30/36€12k€15k▲
Amounts receivable within one year40/41€5k€8k▲
Trade receivables40€2k€3k▲
Other amounts receivable41€3k€5k▲
Cash at bank and in hand54/58€43k€32k▼
Deferred charges and accrued income490/1€5k€3k▼
Equity and liabilities
Total equity and liabilities10/49€532k€501k▼
Equity10/15€136k€155k▲
Contributions10/11€45k€45k=
Reserves13€91k€110k▲
Distributable reserves133€91k€110k▲
Amounts payable17/49€397k€346k▼
Amounts payable after more than one year17€189k€145k▼
Financial debts170/4€189k€145k▼
Amounts payable within one year42/48€208k€201k▼
Current portion of amounts payable after more than one year42€51k€52k▲
Trade debts44€45k€36k▼
Suppliers440/4€45k€36k▼
Taxes, remuneration and social security45€22k€21k▼
Taxes450/3€6k€5k▼
Remuneration and social security454/9€16k€16k▼
Other amounts payable47/48€89k€92k▲
Accrued charges and deferred income492/3€12€5▼
Income statement
Code20242025
Remuneration, social security and pensions62€142k€101k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€38k▲
Other operating charges640/8€1k€2k▲
Non-recurring operating charges66A€1€59▲
Gross operating margin9900€224k€195k▼
Operating profit (loss)9901€45k€54k▲
Financial income75/76B€170€132▼
Recurring financial income75€170€132▼
Financial charges65/66B€26k€24k▼
Recurring financial charges65€26k€24k▼
Profit (loss) for the period before taxes9903€19k€30k▲
Income taxes67/77€6k€11k▲
Profit (loss) for the period9904€13k€20k▲
Profit (loss) for the period to be appropriated9905€13k€20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€13k€20k▲
Transfer to equity691/2€13k€20k▲
To other reserves6921€13k€20k▲
The notes to these accounts (11 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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €150kEq €155k ▲14.5%
6 profitable years in a row build equity to €155k.
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
05-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
10-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 10 days late
2022
31-12
Financial
Equity above €100kEq €101k ▲6.9%
3 profitable years in a row build equity to €101k.
15-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €28k
Net result €28k after one loss-making year.
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-24k ▼970%
Net result drops to €-24k, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
05-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Aarschot · 1 establishment unit since 2012
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.
Elisabethlaan 413200 AarschotGround area
509 m²
Building footprint
228 m²
Volume, LiDAR
1,318 m³
Parcel 24662H0004/00A008, Flanders · tallest building 11.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
CLEMY'S
since 20122.208.911.120
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24662H0004/00A008 | Flanders | 509 m² | 1 · 228 m² | 11.6 m · 1 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteAarschot2.208.911.120
Similar companies · same sector, comparable size
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Jacob’s Group
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GOMMY STAMPS
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ART EN CRAFT
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Vaeremans
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Of 4,245 companies in sector 47789 we hold annual accounts for 1,020. 811 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-07-2004
Fiscal year end31-12
Activities, NACEBEL
10712Artisanal bread and fresh pastry making
15812
47789Other retail sale of new goods
47890Retail trade
52623
47241Retail sale of bread and pastry (bakery outlets)
52240
93130Fitness centres
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.