Cleys J.
ActiveCleys J. has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €486k and a net result of €16k. Equity is growing by ~12.2% per year across the filed fiscal years. Its solvency ranks better than 41% of 7391 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▼-5
Solvency60▲+1
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity tight (current ratio 1.44 against 1.36 in 2024; short-term debt: 21.1% and cash: 6.1% of total assets), and 64.9% 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 41
Relative position
BE, all sectors
reference
Sector 41
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
35.1%
Return on assets
1.2%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-04-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
on the day
2022
30 d late
2021
on the day
2020
on the day
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€486k▲ 3.5%
2024 · €470k
2018: €226k
2019: €264k
2020: €265k
2021: €294k
2022: €331k
2023: €401k
2024: €470k
2018 → 2025
Total assets
€1.39M▲ 0.7%
2024 · €1.38M
2018: €721k
2019: €741k
2020: €705k
2021: €765k
2022: €824k
2023: €1.28M
2024: €1.38M
2018 → 2025
Net result
€16k▼ 76.5%
2024 · €69k
2018: €25k
2019: €39k
2020: €2k
2021: €28k
2022: €52k
2023: €70k
2024: €69k
2018 → 2025
Working capital
€128k▲ 8.1%
2024 · €118k
2018: €403k
2019: €133k
2020: €96k
2021: €95k
2022: €75k
2023: €45k
2024: €118k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€294k-€331k▲ 12.6%€401k▲ 21.2%€470k▲ 17.2%€486k▲ 3.5%
Operating result€48k-€80k▲ 67.6%€115k▲ 43.8%€130k▲ 12.8%€63k▼ 51.5%
Net result€28k-€52k▲ 83.3%€70k▲ 34.7%€69k▼ 1.3%€16k▼ 76.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 51% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.39M
Fixed assets
€966k▲ 3.7%
Current assets
€420k▼ 5.5%
Equity and liabilities €1.39M
Equity
€486k▲ 3.5%
Debt
€900k▼ 0.7%
The debt ratio falls from 65.9% to 64.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€266k▼
2024 · €309k
Cash flow
€220k▼
2024 · €248k
Solvency
35.1%▲
2024 · 34.1%
Current ratio
1.44▲
2024 · 1.36
Quick ratio
1.42▲
2024 · 1.35
Debt / equity
1.85▼
2024 · 1.93
ROE
3.3%▼
2024 · 14.7%
ROA
1.2%▼
2024 · 5.0%
Interest coverage
7.18▼
2024 · 8.88
Debt
€900k▼
2024 · €906k
Debt ≤ 1 year
€292k▼
2024 · €326k
Debt > 1 year
€608k▲
2024 · €575k
Income taxes
€13k▼
2024 · €26k
Staff costs
€143k▲
2024 · €77k
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€1.38M€1.39M▲
Fixed assets21/28€932k€966k▲
Tangible fixed assets22/27€927k€961k▲
Land and buildings22€460k€452k▼
Plant, machinery and equipment23€112k€270k▲
Furniture and vehicles24€11k€20k▲
Leasing and similar rights25€344k€220k▼
Financial fixed assets28€5k€5k=
Current assets29/58€444k€420k▼
Stocks and contracts in progress3€5k€6k▲
Stocks30/36€5k€6k▲
Amounts receivable within one year40/41€280k€316k▲
Trade receivables40€272k€309k▲
Other amounts receivable41€8k€7k▼
Cash at bank and in hand54/58€154k€85k▼
Deferred charges and accrued income490/1€5k€13k▲
Equity and liabilities
Total equity and liabilities10/49€1.38M€1.39M▲
Equity10/15€470k€486k▲
Contributions10/11€12k€12k=
Reserves13€457k€473k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132€42k€42k=
Distributable reserves133€415k€431k▲
Amounts payable17/49€906k€900k▼
Amounts payable after more than one year17€575k€608k▲
Financial debts170/4€575k€608k▲
Amounts payable within one year42/48€326k€292k▼
Current portion of amounts payable after more than one year42€140k€182k▲
Financial debts43€16k€16k▼
Credit institutions430/8€979€1k▲
Other loans439€16k€15k▼
Trade debts44€98k€49k▼
Suppliers440/4€98k€49k▼
Taxes, remuneration and social security45€30k€36k▲
Taxes450/3€13k€16k▲
Remuneration and social security454/9€17k€19k▲
Other amounts payable47/48€41k€9k▼
Accrued charges and deferred income492/3€5k€0▼
Income statement
Code20242025
Non-recurring operating income76A€23k€6k▼
Remuneration, social security and pensions62€77k€143k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€179k€203k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€16k€12k▼
Non-recurring operating charges66A€100€310▲
Gross operating margin9900€402k€422k▲
Operating profit (loss)9901€130k€63k▼
Financial income75/76B€132€3k▲
Recurring financial income75€132€3k▲
Financial charges65/66B€35k€37k▲
Recurring financial charges65€35k€37k▲
Profit (loss) for the period before taxes9903€95k€29k▼
Income taxes67/77€26k€13k▼
Profit (loss) for the period9904€69k€16k▼
Transfer to tax-exempt reserves689€21k€0▼
Profit (loss) for the period to be appropriated9905€48k€16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€48k€16k▼
Transfer to equity691/2€48k€16k▼
To other reserves6921€48k€16k▼
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
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Highest result since 2018net €70k ▲34.7%
Net result €70k, the highest in the series.
30-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
30-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Weakest financial yearnet €2k ▼95.8%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-03
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
3 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, Stekene · 1 establishment unit since 2002
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(STE) 4b9190 StekeneGround area
2,822 m²
Building footprint
1,252 m²
Volume, LiDAR
871 m³
2 parcels, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Cleys J.
since 20022.101.574.977
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46024A1792/00E000 | Flanders | 2,156 m² | 1 · 1,072 m² | - |
| 46027C0050/00Y000 | Flanders | 666 m² | 1 · 181 m² | 7.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
2022 to 2025 · 3 entries · 6,722 EUR awarded · 6,722 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 137 EUR | 137 EUR |
| 2023 | 1 | 1,449 EUR | 1,449 EUR |
| 2022 | 1 | 5,136 EUR | 5,136 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 2,451 companies in sector 41003 we hold annual accounts for 1,055. 621 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-01-2002
Fiscal year end30-09
Activities, NACEBEL
25110Manufacture of metal structures and parts of structures
28110
41003General construction of other non-residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.