CLEPA
ActiveSummary
CLEPA has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€11,437) and a net result of €20,658. Equity is shrinking by ~19% per year across the filed fiscal years. Its solvency ranks better than 11% of 10519 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability87▲+76
Solvency17▲+17
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.59 against 0.42 in 2024; short-term debt: 107.5% of total assets), and equity is negative.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
-7.9%
Return on assets
14.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 10519 sector peers (2025).
NBB · sector comparisonPosition among 10519 sector peers
Solvency
better than 11%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 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
17 d late
2024
1 d early
2023
19 d late
2022
25 d early
2021
25 d late
2020
4 d late
2019
13 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 7 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
-€11,437▲ 64.4%
2024 · -€32,095
Total assets
€144,007▲ 28.4%
2024 · €112,184
Net result
€20,658
2024 · -€6,869
Working capital
-€63,945▲ 22.8%
2024 · -€82,818
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€8,607▼ 14,715%-€7,636▲ 11.3%-€5,060▲ 33.7%-€8,264▼ 63.3%€18,603
Net result-€6,771below the sector's middle half-€4,947below the sector's middle half▲ 26.9%-€2,180within the sector's middle half▲ 55.9%-€6,869below the sector's middle half▼ 215%€20,658within the sector's middle half
Equity-€18,099below the sector's middle half▼ 59.8%-€23,046below the sector's middle half▼ 27.3%-€25,226below the sector's middle half▼ 9.5%-€32,095below the sector's middle half▼ 27.2%-€11,437below the sector's middle half▲ 64.4%
Total assets€115,375within the sector's middle half▲ 101%€121,132within the sector's middle half▲ 5.0%€115,673within the sector's middle half▼ 4.5%€112,184within the sector's middle half▼ 3.0%€144,007below the sector's middle half▲ 28.4%
Debt€133,474▲ 94.4%€144,178▲ 8.0%€140,900▼ 2.3%€144,280▲ 2.4%€155,444▲ 7.7%
Working capital-€78,466below the sector's middle half▼ 381%-€87,090below the sector's middle half▼ 11.0%-€81,796below the sector's middle half▲ 6.1%-€82,818below the sector's middle half▼ 1.2%-€63,945below the sector's middle half▲ 22.8%
Solvency-15.7%below the sector's middle half▲ 4.1pp-19.0%below the sector's middle half▼ 3.3pp-21.8%below the sector's middle half▼ 2.8pp-28.6%below the sector's middle half▼ 6.8pp-7.9%below the sector's middle half▲ 20.7pp
Current ratio0.41below the sector's middle half▼ 0.350.40below the sector's middle half▼ 0.020.42below the sector's middle half▲ 0.020.42below the sector's middle half=0.59below the sector's middle half▲ 0.16
Return on assets (ROA)-5.9%below the sector's middle half▼ 8.7pp-4.1%below the sector's middle half▲ 1.8pp-1.9%within the sector's middle half▲ 2.2pp-6.1%below the sector's middle half▼ 4.2pp14.3%above the sector's middle half▲ 20.5pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €18,603 after a loss of €8,264 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €144,007
Fixed assets
€53,197 ▲ 3.5%
Current assets
€90,810 ▲ 49.4%
Key figures and ratios
EBITDA
€26,686▲
2024 · -€729
Cash flow
€28,742▲
2024 · €666
Debt to equity
-13.59▼
2024 · -4.50
Interest coverage
205.39▲
2024 · -2.22
Debt ≤ 1 year
€154,754▲
2024 · €143,590
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,798 companies that looked in July 2024 the way this one looks now, 2.5% went bankrupt within 24 months and 91% are still going.
- Micro
- 20 years or older
- negative equity
- a profit of 5% of the balance sheet or more
2.5%
went bankrupt
5.3%
stopped otherwise
91%
still going
A further 0.8% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 3,798 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,526 | €7,948 | €7,474 | €7,535 | €8,084 | ▲ 7.3% |
| Other operating charges640/8 | €799 | €566 | €356 | €453 | €1,750 | ▲ 287% |
| Gross operating margin9900 | -€3,282 | €877 | €2,770 | -€276 | €28,436 | ▲ 10,389% |
| Operating profit (loss)9901 | -€8,607 | -€7,636 | -€5,060 | -€8,264 | €18,603 | ▲ 325% |
| Financial income75/76B | €2,041 | €2,937 | €2,957 | €1,722 | €2,185 | ▲ 26.9% |
| Recurring financial income75 | €2,041 | €2,937 | €2,957 | €1,722 | €2,185 | ▲ 26.9% |
| Financial charges65/66B | €205 | €247 | €78 | €328 | €130 | ▼ 60.3% |
| Recurring financial charges65 | €205 | €247 | €78 | €328 | €130 | ▼ 60.3% |
| Profit (loss) for the period before taxes9903 | -€6,771 | -€4,947 | -€2,180 | -€6,869 | €20,658 | ▲ 401% |
| Profit (loss) for the period9904 | -€6,771 | -€4,947 | -€2,180 | -€6,869 | €20,658 | ▲ 401% |
| Profit (loss) for the period to be appropriated9905 | -€6,771 | -€4,947 | -€2,180 | -€6,869 | €20,658 | ▲ 401% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €115,375 | €121,132 | €115,673 | €112,184 | €144,007 | ▲ 28.4% |
| Fixed assets21/28 | €60,367 | €64,044 | €56,570 | €51,413 | €53,197 | ▲ 3.5% |
| Tangible fixed assets22/27 | €60,367 | €64,044 | €56,570 | €51,413 | €53,197 | ▲ 3.5% |
| Plant, machinery and equipment23 | - | - | - | - | €43,316 | - |
| Furniture and vehicles24 | €0 | €986 | €786 | €585 | €9,881 | ▲ 1,589% |
| Other tangible fixed assets26 | €60,367 | €63,058 | €55,784 | €50,828 | - | - |
| Current assets29/58 | €55,008 | €57,088 | €59,104 | €60,771 | €90,810 | ▲ 49.4% |
| Amounts receivable within one year40/41 | €54,830 | €55,388 | €57,413 | €59,136 | €88,741 | ▲ 50.1% |
| Trade receivables40 | €0 | - | - | - | - | - |
| Other amounts receivable41 | €54,830 | €55,388 | €57,413 | €59,136 | €88,741 | ▲ 50.1% |
| Current investments50/53 | - | €1,699 | €1,690 | €1,635 | €2,068 | ▲ 26.5% |
| Cash at bank and in hand54/58 | €178 | - | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €115,375 | €121,132 | €115,673 | €112,184 | €144,007 | ▲ 28.4% |
| Equity10/15 | -€18,099 | -€23,046 | -€25,226 | -€32,095 | -€11,437 | ▲ 64.4% |
| Contributions10/11 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Capital10 | €0 | - | - | - | - | - |
| Issued capital100 | €0 | - | - | - | - | - |
| Outside capital11 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Other1109/19 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €11,636 | €11,636 | €11,636 | €11,636 | €11,636 | = |
| Non-distributable reserves130/1 | €372 | €372 | €372 | €372 | €372 | = |
| Legal reserve130 | €0 | - | - | - | - | - |
| Reserves not available under the articles1311 | €372 | €372 | €372 | €372 | €372 | = |
| Distributable reserves133 | €11,264 | €11,264 | €11,264 | €11,264 | €11,264 | = |
| Profit (loss) carried forward14 | -€48,327 | -€53,274 | -€55,454 | -€62,323 | -€41,665 | ▲ 33.1% |
| Amounts payable17/49 | €133,474 | €144,178 | €140,900 | €144,280 | €155,444 | ▲ 7.7% |
| Amounts payable within one year42/48 | €133,474 | €144,178 | €140,900 | €143,590 | €154,754 | ▲ 7.8% |
| Trade debts44 | €3,262 | €3,440 | €4,683 | €4,929 | €3,698 | ▼ 25.0% |
| Suppliers440/4 | €3,262 | €3,440 | €4,683 | €4,929 | €3,698 | ▼ 25.0% |
| Advances received on contracts in progress46 | €2,420 | €2,420 | - | - | - | - |
| Taxes, remuneration and social security45 | €1,182 | €1,182 | €2,669 | €2,199 | €1,233 | ▼ 43.9% |
| Taxes450/3 | €1,182 | €1,182 | €2,669 | €2,199 | €1,233 | ▼ 43.9% |
| Other amounts payable47/48 | €126,611 | €137,137 | €133,549 | €136,461 | €149,823 | ▲ 9.8% |
| Accrued charges and deferred income492/3 | - | - | - | €690 | €690 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€6,771 | -€4,947 | -€2,180 | -€6,869 | €20,658 | ▲ 401% |
| + Depreciation and write-downs630 | €4,526 | €7,948 | €7,474 | €7,535 | €8,084 | ▲ 7.3% |
| Operating cash flow (approximation) | -€2,245 | €3,001 | €5,294 | €666 | €28,742 | ▲ 4,216% |
| Investment in fixed assets (approximation) | - | -€11,625 | €0 | -€2,378 | -€9,868 | ▼ 315% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 17 days late
2025
31-12
Financial
Back to profitnet €20,658
Net result €20,658 after 4 loss-making years.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet -€6,869
Net result drops to -€6,869, the lowest in the series; recovery starts the following year.
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
04-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 4 days late
2020
31-12
Financial
Back to profitnet €1,628
Net result €1,628 after 2 loss-making years.
13-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 13 days late
2019
09-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 9 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
11-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 11 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Lier · 1 establishment unit since 1992
Ground area
209 m²
Building footprint
89 m²
Volume, LiDAR
597 m³
Parcel 12393F0117/00B005, Flanders · tallest building 12.2 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Mechelsesteenweg 183, 2500 Lier
since 19922.049.253.573
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12393F0117/00B005 | Flanders | 209 m² | 1 · 89 m² | 12.2 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 10,664 companies in sector 47811 we hold annual accounts for 5,226. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded01-06-1990
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
E-invoicing
Reachable via Peppol
Peppol ID
0208:0441029603
Registered
04-12-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.