CLEYS INTERIEUR
ActiveCLEYS INTERIEUR has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €611k and a net result of €61k. Equity is growing by ~10.3% per year across the filed fiscal years. Its solvency ranks better than 53% of 7760 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▲+7
Solvency71▲+4
Growth82=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity tight (current ratio 1.27 against 1.36 in 2024; short-term debt: 26.6% and cash: 3.4% of total assets), and 53.9% 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 43
Relative position
BE, all sectors
reference
Sector 43
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
46.1%
Return on assets
4.6%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 04-12-2025, 58 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
58 d early
2024
102 d early
2023
120 d early
2022
42 d early
2021
40 d early
2020
40 d early
2019
90 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€1.12M▲ 14.9%
2021 · €971k
2019: €699k
2021: €971k
2019 → 2022
EBIT margin
5.9%▼ 5.2pp
2021 · 11.1%
2019: 12.9%
2021: 11.1%
2019 → 2022
Net result
€61k▲ 18.8%
2024 · €52k
2019: €26k
2020: €32k
2021: €41k
2022: €26k
2023: €54k
2024: €52k
2019 → 2025
Working capital
€94k▼ 23.0%
2024 · €123k
2019: €108k
2020: €93k
2021: €274k
2022: €349k
2023: €319k
2024: €123k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€971k-€1.12M▲ 14.9%
Equity€411k-€438k▲ 6.4%€498k▲ 13.7%€549k▲ 10.4%€611k▲ 11.2%
Operating result€108k-€66k▼ 38.4%€161k▲ 142%€121k▼ 24.4%€123k▲ 1.2%
Net result€41k-€26k▼ 34.7%€54k▲ 104%€52k▼ 4.2%€61k▲ 18.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.32M
Fixed assets
€877k▲ 2.2%
Current assets
€446k▼ 3.8%
Equity and liabilities €1.32M
Equity
€611k▲ 11.2%
Provisions
€9k▼ 24.6%
Debt
€705k▼ 7.5%
The debt ratio falls from 57.6% to 53.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€276k▼
2024 · €286k
Cash flow
€214k▼
2024 · €216k
Solvency
46.1%▲
2024 · 41.5%
Current ratio
1.27▼
2024 · 1.36
Quick ratio
0.83▲
2024 · 0.78
Debt / equity
1.15▼
2024 · 1.39
ROE
10.0%▲
2024 · 9.4%
ROA
4.6%▲
2024 · 3.9%
Interest coverage
6.89▲
2024 · 5.38
Debt
€705k▼
2024 · €762k
Debt ≤ 1 year
€352k▲
2024 · €341k
Debt > 1 year
€348k▼
2024 · €419k
Income taxes
€28k▲
2024 · €23k
Staff costs
€361k▲
2024 · €329k
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€1.32M€1.32M▲
Fixed assets21/28€858k€877k▲
Intangible fixed assets21€939€654▼
Tangible fixed assets22/27€857k€876k▲
Land and buildings22€365k€351k▼
Plant, machinery and equipment23€141k€110k▼
Furniture and vehicles24€72k€53k▼
Leasing and similar rights25€261k€201k▼
Assets under construction and advance payments27€18k€162k▲
Financial fixed assets28€310€310=
Current assets29/58€464k€446k▼
Stocks and contracts in progress3€197k€154k▼
Stocks30/36€197k€154k▼
Amounts receivable within one year40/41€197k€208k▲
Trade receivables40€183k€198k▲
Other amounts receivable41€13k€9k▼
Current investments50/53€5k€17k▲
Cash at bank and in hand54/58€49k€45k▼
Deferred charges and accrued income490/1€16k€22k▲
Equity and liabilities
Total equity and liabilities10/49€1.32M€1.32M▲
Equity10/15€549k€611k▲
Contributions10/11€6k€6k=
Reserves13€543k€604k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€78k€70k▼
Distributable reserves133€463k€533k▲
Provisions and deferred taxes16€11k€9k▼
Deferred taxes168€11k€9k▼
Amounts payable17/49€762k€705k▼
Amounts payable after more than one year17€419k€348k▼
Financial debts170/4€419k€348k▼
Amounts payable within one year42/48€341k€352k▲
Current portion of amounts payable after more than one year42€157k€156k▼
Financial debts43€22k€4k▼
Credit institutions430/8€22k€4k▼
Trade debts44€130k€101k▼
Suppliers440/4€130k€101k▼
Taxes, remuneration and social security45€20k€6k▼
Taxes450/3€6k€69▼
Remuneration and social security454/9€14k€6k▼
Other amounts payable47/48€13k€84k▲
Accrued charges and deferred income492/3€905€4k▲
Income statement
Code20242025
Non-recurring operating income76A€2k€9k▲
Remuneration, social security and pensions62€329k€361k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€164k€153k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€17k€14k▼
Other operating charges640/8€12k€13k▲
Gross operating margin9900€645k€665k▲
Operating profit (loss)9901€121k€123k▲
Financial income75/76B€3k€4k▲
Recurring financial income75€3k€4k▲
Financial charges65/66B€53k€40k▼
Recurring financial charges65€53k€40k▼
Profit (loss) for the period before taxes9903€72k€87k▲
Transfer from deferred taxes780€3k€3k▲
Income taxes67/77€23k€28k▲
Profit (loss) for the period9904€52k€61k▲
Transfer from tax-exempt reserves789€8k€8k=
Profit (loss) for the period to be appropriated9905€60k€70k▲
Appropriation of the result
Profit (loss) to be appropriated9906€60k€70k▲
Transfer to equity691/2€60k€70k▲
To other reserves6921€60k€70k▲
Social balance
Average headcount (FTE)90875.85.9▲
The notes to these accounts (21 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
2025
04-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
30-06
Financial
Highest result since 2019net €61k ▲18.8%
Net result €61k, the highest in the series.
2024
21-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
30-06
Financial
Equity above €500kEq €549k ▲10.4%
6 profitable years in a row build equity to €549k.
2023
03-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
20-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
22-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
22-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 90 days late
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Stekene · 1 establishment unit since 1994
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.
Bettestraat (STE) 29190 StekeneGround area
3,560 m²
Building footprint
2,023 m²
Parcel 46024A1462/00A000, Flanders. Linked by address, not a title deed.
1 establishment unit
CLEYS INTERIEURINRICHTING BVBA
since 19942.066.851.947
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46024A1462/00A000 | Flanders | 3,560 m² | 1 · 2,023 m² | - |
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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 7 entries · 24,335 EUR awarded · 24,071 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 3 | 19,810 EUR | 19,506 EUR |
| 2024 | 3 | 4,255 EUR | 4,295 EUR |
| 2023 | 1 | 270 EUR | 270 EUR |
Schemes
Individueel Maatwerk
Premie kwalificerend werkplekleren
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Dual-learning approval
3 live approvalsBinnenschrijnwerk en interieur duaal (so)
Machinaal houtbewerker duaal (so)
Operator CNC-gestuurde houtbewerkingsmachines duaal (so)
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Of 20,026 companies in sector 43320 we hold annual accounts for 9,136. 5,523 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-02-1994
Fiscal year end30-06
Activities, NACEBEL
31002Manufacture of furniture
43320Joinery installation
45421
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.