CLIBO
ActiveSummary
CLIBO has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €275k and a net result of €527k. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 14% of 463 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability85▲+9
Solvency32=
Growth71▼-1
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity short (current ratio 0.41 against 0.42 in 2024; short-term debt: 55.6% and cash: 2.6% of total assets), and 93.5% of the assets are financed with debt.
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Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 87
Relative position
BE, all sectors
reference
Residential care activities (NACE 87)
about 77% fewer bankruptcies
← 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
6.5%
Return on assets
12.5%
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 14% of 463 sector peers (2025).
NBB · sector comparisonPosition among 463 sector peers
Solvency
better than 14%
← 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 28-08-2026, 28 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
28 d late
2024
50 d early
2023
56 d late
2022
3 d early
2021
31 d late
2020
40 d early
2019
69 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
History
Financials · fiscal year 2025, abbreviated schema
Turnover
€4.98M▲ 4.5%
2024 · €4.77M
EBIT margin
11.9%▲ 4.0pp
2024 · 7.9%
Net result
€527k▲ 55.6%
2024 · €339k
Working capital
€-1.39M▼ 17.4%
2024 · €-1.19M
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€3.68M▲ 7.6%€4.09M▲ 11.2%€4.56M▲ 11.4%€4.77M▲ 4.6%€4.98M▲ 4.5%
Operating result€484k▲ 36.7%€405k▼ 16.3%€235k▼ 42.0%€375k▲ 59.7%€591k▲ 57.4%
Net result€374k▲ 45.9%€318k▼ 15.1%€150k▼ 52.9%€339k▲ 126%€527k▲ 55.6%
EBIT margin13.2%▲ 2.8pp9.9%▼ 3.3pp5.2%▼ 4.7pp7.9%▲ 2.7pp11.9%▲ 4.0pp
Equity€271k▲ 5.6%€273k▲ 1.0%€274k▲ 0.2%€275k▲ 0.3%€275k▲ 0.1%
Total assets€3.95M▼ 0.7%€4.18M▲ 5.8%€4.00M▼ 4.2%€3.83M▼ 4.3%€4.21M▲ 10.0%
Debt€3.68M▼ 1.1%€3.91M▲ 6.1%€3.73M▼ 4.5%€3.55M▼ 4.7%€3.94M▲ 10.7%
Working capital€-759k▼ 39.5%€-753k▲ 0.7%€-1.01M▼ 33.7%€-1.19M▼ 17.8%€-1.39M▼ 17.4%
Staff (FTE)49▲ 11.4%49=69.1▲ 41.0%63.5▼ 8.1%63.6▲ 0.2%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 57% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.21M
Fixed assets
€3.26M ▲ 9.3%
Current assets
€949k ▲ 12.3%
Equity and liabilities €4.21M
Equity
€275k ▲ 0.1%
Debt
€3.94M ▲ 10.7%
Debt's share of the balance-sheet total rises from 92.8% to 93.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€823k▲
2024 · €593k
Cash flow
€760k▲
2024 · €557k
Current ratio
0.41▼
2024 · 0.42
Quick ratio
0.40▼
2024 · 0.41
Debt to equity
14.33▲
2024 · 12.94
ROE
191.9%▲
2024 · 123.4%
ROA
12.5%▲
2024 · 8.8%
Interest coverage
8.93▲
2024 · 7.75
Debt ≤ 1 year
€2.34M▲
2024 · €2.03M
Debt > 1 year
€1.42M▲
2024 · €1.36M
Income taxes
€274▼
2024 · €7k
Staff costs
€3.16M▲
2024 · €3.08M
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €3.68M | €4.09M | €4.56M | €4.77M | €4.98M | ▲ 4.5% |
| Goods, raw materials, services and sundry goods60/61 | €774k | €880k | €985k | €1.06M | €967k | ▼ 8.7% |
| Remuneration, social security and pensions62 | €2.19M | €2.56M | €3.08M | €3.08M | €3.16M | ▲ 2.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €205k | €211k | €225k | €218k | €233k | ▲ 6.9% |
| Other operating charges640/8 | €26k | €33k | €33k | €36k | €32k | ▼ 8.9% |
| Non-recurring operating charges66A | - | - | €245 | - | - | - |
| Gross operating margin9900 | €2.90M | €3.21M | €3.57M | €3.71M | €4.02M | ▲ 8.3% |
| Operating profit (loss)9901 | €484k | €405k | €235k | €375k | €591k | ▲ 57.4% |
| Financial income75/76B | €53 | - | €10k | €47k | €29k | ▼ 38.7% |
| Recurring financial income75 | €53 | - | €10k | €47k | €29k | ▼ 38.7% |
| Financial charges65/66B | €110k | €85k | €90k | €76k | €92k | ▲ 20.5% |
| Recurring financial charges65 | €110k | €85k | €90k | €76k | €92k | ▲ 20.5% |
| Profit (loss) for the period before taxes9903 | €374k | €320k | €155k | €346k | €527k | ▲ 52.4% |
| Income taxes67/77 | - | €2k | €5k | €7k | €274 | ▼ 96.3% |
| Profit (loss) for the period9904 | €374k | €318k | €150k | €339k | €527k | ▲ 55.6% |
| Profit (loss) for the period to be appropriated9905 | €374k | €318k | €150k | €339k | €527k | ▲ 55.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3.95M | €4.18M | €4.00M | €3.83M | €4.21M | ▲ 10.0% |
| Fixed assets21/28 | €3.38M | €3.23M | €3.13M | €2.98M | €3.26M | ▲ 9.3% |
| Intangible fixed assets21 | €0 | - | - | - | - | - |
| Tangible fixed assets22/27 | €3.38M | €3.23M | €3.13M | €2.98M | €3.26M | ▲ 9.3% |
| Land and buildings22 | €2.79M | €2.66M | €2.53M | €2.39M | €2.55M | ▲ 6.5% |
| Plant, machinery and equipment23 | €107k | €93k | €64k | €46k | €29k | ▼ 36.2% |
| Furniture and vehicles24 | €7k | €5k | €64k | €72k | €64k | ▼ 11.6% |
| Other tangible fixed assets26 | €223k | €210k | €199k | €170k | €165k | ▼ 3.4% |
| Assets under construction and advance payments27 | €255k | €266k | €274k | €302k | €455k | ▲ 50.7% |
| Financial fixed assets28 | €124 | €124 | €124 | €124 | €124 | = |
| Current assets29/58 | €571k | €949k | €874k | €845k | €949k | ▲ 12.3% |
| Stocks and contracts in progress3 | €13k | €13k | €13k | €13k | €13k | = |
| Stocks30/36 | €13k | €13k | €13k | €13k | €13k | = |
| Amounts receivable within one year40/41 | €534k | €886k | €835k | €759k | €747k | ▼ 1.5% |
| Trade receivables40 | €534k | €886k | €835k | €759k | €747k | ▼ 1.5% |
| Cash at bank and in hand54/58 | €19k | €45k | €27k | €24k | €110k | ▲ 369% |
| Deferred charges and accrued income490/1 | €5k | €6k | - | €50k | €79k | ▲ 56.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3.95M | €4.18M | €4.00M | €3.83M | €4.21M | ▲ 10.0% |
| Equity10/15 | €271k | €273k | €274k | €275k | €275k | ▲ 0.1% |
| Contributions10/11 | €82k | €82k | €82k | €82k | €82k | = |
| Capital10 | €82k | €82k | €82k | €82k | €82k | = |
| Issued capital100 | €82k | €82k | €82k | €82k | €82k | = |
| Reserves13 | €8k | €8k | €8k | €8k | €8k | = |
| Non-distributable reserves130/1 | €8k | €8k | €8k | €8k | €8k | = |
| Legal reserve130 | €8k | €8k | €8k | €8k | €8k | = |
| Profit (loss) carried forward14 | €180k | €183k | €184k | €184k | €185k | ▲ 0.1% |
| Amounts payable17/49 | €3.68M | €3.91M | €3.73M | €3.55M | €3.94M | ▲ 10.7% |
| Amounts payable after more than one year17 | €2.19M | €2.04M | €1.69M | €1.36M | €1.42M | ▲ 4.6% |
| Financial debts170/4 | €2.19M | €2.04M | €1.69M | €1.36M | €1.42M | ▲ 4.6% |
| Amounts payable within one year42/48 | €1.33M | €1.70M | €1.88M | €2.03M | €2.34M | ▲ 15.3% |
| Current portion of amounts payable after more than one year42 | €375k | €367k | €429k | €469k | €480k | ▲ 2.3% |
| Financial debts43 | €20k | €789 | - | - | - | - |
| Credit institutions430/8 | €20k | €789 | - | - | - | - |
| Trade debts44 | €29k | €315k | €538k | €353k | €606k | ▲ 71.6% |
| Suppliers440/4 | €21k | €315k | €538k | €353k | €606k | ▲ 71.6% |
| Bills of exchange payable441 | €8k | - | - | - | - | - |
| Taxes, remuneration and social security45 | €447k | €604k | €662k | €761k | €609k | ▼ 20.0% |
| Taxes450/3 | €0 | €75k | €79k | €86k | €64k | ▼ 26.5% |
| Remuneration and social security454/9 | €447k | €529k | €583k | €675k | €545k | ▼ 19.2% |
| Other amounts payable47/48 | €459k | €416k | €252k | €448k | €647k | ▲ 44.5% |
| Accrued charges and deferred income492/3 | €159k | €160k | €155k | €165k | €174k | ▲ 5.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €374k | €318k | €150k | €339k | €527k | ▲ 55.6% |
| + Depreciation and write-downs630 | €205k | €211k | €225k | €218k | €233k | ▲ 6.9% |
| Operating cash flow (approximation) | €579k | €529k | €375k | €557k | €760k | ▲ 36.5% |
| Investment in fixed assets (approximation) | - | €-60k | €-124k | €-73k | €-511k | ▼ 596% |
| Change in cash | - | €26k | €-18k | €-4k | €87k | ▲ 2,545% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
31-12
Financial
Highest result since 2018net €527k ▲55.6%
Operating result €591k, net result €527k, both a record.
11-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 56 days late
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 69 days late
2019
17-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
24-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
24-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
6 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, Havelange · 2 establishment units since 1990
Ground area
1,663 m²
Building footprint
187 m²
Volume, LiDAR
1,005 m³
2 parcels, Brussels, Wallonia · tallest building 16.3 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
RESIDENCE GRATRY
since 19902.049.535.665
LES AMANDIERS
since 19942.049.535.764
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91084C0389/00H000 | Wallonia | 1,451 m² | 1 · 108 m² | - |
| 21911C0145/00S010 | Brussels | 212 m² | 1 · 79 m² | 16.3 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteHavelange2.049.535.764
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Of 601 companies in sector 87301 we hold annual accounts for 493. 301 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded27-07-1990
Fiscal year end31-12
Activities, NACEBEL 2025
87301Residential care activities
Scores and ratios are computed by Checked and are not a credit decision.