Equity
Debts exceed assets in financial year 2025.
Debts exceed assets in financial year 2025.
Of this, €154,754 falls due within a year.
Seven of the last ten came late. The 2021 accounts came latest: 25 days after the end of the period.
In July 2024, 3,794 companies had the same profile as CLEPA has now. Each dot stands for 10 companies, two years later.
Another 0.6% stopped without a precise date, possibly only after those two years.
The method was tested on the 497,331 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 3,794 companies, not a prediction for CLEPA. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
| Company | ||||
|---|---|---|---|---|
| CLEPA Lier | €144,007 | €28,436 | -7.9% | - |
| T and P EXPORT Brussels | €143,640 | €24,008 | 68.0% | - |
| DELAERE KRIST Kortemark | €156,822 | €23,665 | 75.8% | - |
| MARTELLA Charleroi | €134,188 | €37,165 | 55.5% | - |
| GARAGE SEMET ET FILS Mouscron | €160,725 | €38,804 | 88.2% | - |
| Garage JAYMAERT Fexhe-le-Haut-Clocher | €149,681 | €20,140 | 25.6% | - |
| SERVICE AUTOMOBILE CENTER Charleroi | €111,838 | €33,995 | -51.6% | - |
These companies have the same main activity as CLEPA: retail sale of cars and light vans (up to 3.5 tonnes) (NACE 47811). They are comparable in size and age: total assets between €112,000 and €161,000, founded between 1988 and 1992.
CLEPA files the micro format. That format states no turnover. The gross margin rose from €17,101 in 2006 to €28,436 in 2025.
The balance sheet grew most from 2020 to 2022 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
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