Summary
CLEYMAP INVEST is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €280k and a net result of €13k. Equity is growing by ~11.8% per year across the filed fiscal years. Its solvency ranks better than 55% of 2394 sector peers (fiscal year 2025). The company has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
46 d late
2023
56 d late
2022
58 d late
2021
2 d early
2020
4 d early
2019
106 d late
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€280k▲ 4.8%
2024 · €268k
2018: €124k
2019: €145k
2020: €146k
2021: €186k
2022: €222k
2023: €255k
2024: €268k
2018 → 2025
Net result
€13k▲ 2.5%
2024 · €12k
2018: €31k
2019: €20k
2020: €859
2021: €40k
2022: €36k
2023: €33k
2024: €12k
2018 → 2025
Total assets
€421k▲ 13.8%
2024 · €370k
2018: €240k
2019: €259k
2020: €269k
2021: €294k
2022: €323k
2023: €357k
2024: €370k
2018 → 2025
Solvency
66.6%▼ 5.8pp
2024 · 72.4%
2018: 51.8%
2019: 55.9%
2020: 54.0%
2021: 63.2%
2022: 68.8%
2023: 71.6%
2024: 72.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€74k-€91k▲ 23.7%€80k▼ 12.2%€55k▼ 31.3%€79k▲ 44.1%
Equity€186k-€222k▲ 19.6%€255k▲ 14.9%€268k▲ 4.9%€280k▲ 4.8%
Operating result€39k-€53k▲ 37.5%€48k▼ 8.8%€20k▼ 59.0%€21k▲ 5.5%
Net result€40k-€36k▼ 10.0%€33k▼ 9.1%€12k▼ 62.4%€13k▲ 2.5%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 5% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €421k
Fixed assets
€101k ▼ 5.9%
Current assets
€320k ▲ 21.9%
Equity and liabilities €421k
Equity
€280k ▲ 4.8%
Debt
€140k ▲ 37.6%
Debt's share of the balance-sheet total rises from 27.6% to 33.4%. Equity and debt are higher.
Key figures and ratios
ROE
4.5%▼
2024 · 4.6%
ROA
3.0%▼
2024 · 3.4%
Debt ≤ 1 year
€105k▲
2024 · €56k
Debt > 1 year
€36k▼
2024 · €46k
Income taxes
€6k▲
2024 · €6k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€370k€421k▲
Fixed assets21/28€108k€101k▼
Tangible fixed assets22/27€108k€101k▼
Land and buildings22€108k€101k▼
Current assets29/58€262k€320k▲
Amounts receivable within one year40/41€250k€291k▲
Trade receivables40€3k€3k▲
Other amounts receivable41€247k€287k▲
Cash at bank and in hand54/58€12k€29k▲
Deferred charges and accrued income490/1€510€510=
Equity and liabilities
Total equity and liabilities10/49€370k€421k▲
Equity10/15€268k€280k▲
Contributions10/11€179k€179k=
Capital10€179k€179k=
Issued capital100€179k€179k=
Reserves13€18k€18k=
Non-distributable reserves130/1€18k€18k=
Legal reserve130€18k€18k=
Profit (loss) carried forward14€71k€84k▲
Amounts payable17/49€102k€140k▲
Amounts payable after more than one year17€46k€36k▼
Financial debts170/4€46k€36k▼
Amounts payable within one year42/48€56k€105k▲
Current portion of amounts payable after more than one year42€11k€11k▲
Trade debts44€8k€8k=
Suppliers440/4€8k€8k=
Taxes, remuneration and social security45€37k€30k▼
Taxes450/3€37k€30k▼
Other amounts payable47/48-€55k
Income statement
Code20242025
Turnover70€55k€79k▲
Goods, raw materials, services and sundry goods60/61€24k€70k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€6k▼
Other operating charges640/8€3k€5k▲
Gross operating margin9900€31k€32k▲
Operating profit (loss)9901€20k€21k▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€18k€18k▲
Income taxes67/77€6k€6k▲
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€71k€84k▲
Profit (loss) brought forward from the previous period14P€59k€71k▲
The notes to these accounts (5 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
15-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 46 days late
2024
25-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 56 days late
2023
27-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 58 days late
2022
31-12
Financial
Equity above €200kEq €222k ▲19.6%
5 profitable years in a row build equity to €222k.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €40k ▲4605%
Net result €40k, the highest in the series.
31-12
Financial
Equity above €150kEq €186k ▲27.8%
4 profitable years in a row build equity to €186k.
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €859 ▼95.7%
Net result drops to €859, the lowest in the series; recovery starts the following year.
14-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 106 days late
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
21-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 52 days late
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 59 days late
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, Aartselaar · 1 establishment unit since 1993
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.
Kleistraat 1302630 AartselaarGround area
2,736 m²
Building footprint
229 m²
Volume, LiDAR
968 m³
Parcel 11001C0130/00D000, Flanders · tallest building 6.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
CLEYMAP INVEST
since 19932.063.417.850
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11001C0130/00D000 | Flanders | 2,736 m² | 1 · 229 m² | 6.5 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.
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SOLUTIONS
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,734 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded26-07-1993
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.