Clippeleyr Sam

Active

Private limited companyfounded 20223 yrs activeVan Hovestraat 23, 9150 Beveren-Kruibeke-Zwijndrecht, BelgiumKBO/BCE: BE 0794.350.321

The computed 12-month bankruptcy probability of Clippeleyr Sam is 2.3% (moderate). The 2025 annual accounts show equity of €59k and a net result of €8k. Equity is growing by ~15.7% per year across the filed fiscal years. Its solvency ranks better than 56% of 27358 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

93 / 100

Excellent▲ +7 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability64▼-36

Solvency95▲+24

Growth52=

Stability94

Bankruptcy probability, 12 months

2.3% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €6k at 30 days acceptable

Liquidity ample (current ratio 1.96 against 1.55 in 2024), and 47.9% of the assets are financed with debt.

How do we compute the score and the probability?

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

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

52.1%

Return on assets

6.6%

Age of the figures

8 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-05-2026, 66 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

66 d early

2024

23 d early

2023

27 d late

← before the deadline after the deadline →

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 months

Position in the running window

13-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€59k▲ 12.6%

2024 · €53k

2023: €43k 2024: €53k

2023 → 2025

Total assets

€114k▼ 18.7%

2024 · €140k

2023: €138k 2024: €140k

2023 → 2025

Net result

€8k▼ 29.8%

2024 · €11k

2023: €38k 2024: €11k

2023 → 2025

Working capital

€37k▲ 19.3%

2024 · €31k

2023: €20k 2024: €31k

2023 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202320242025Trend

Equity€43k-€53k▲ 23.2%€59k▲ 12.6%

Operating result€54k-€15k▼ 72.4%€10k▼ 33.7%

Net result€38k-€11k▼ 71.5%€8k▼ 29.8%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result has fallen two years in a row; 2025 is 34% below 2024 and is the lowest year so far.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €114k

34.3%

65.7%

Fixed assets €39k▼ 26.3%

Current assets €75k▼ 14.0%

Equity and liabilities €114k

52.1%

47.9%

Equity €59k▲ 12.6%

Debt €54k▼ 37.5%

The debt ratio falls from 62.4% to 47.9%: equity grows while debt is paid down.

Key figures and ratios

2025 value · change against 2024

EBITDA

€24k▼

2024 · €31k

Cash flow

€21k▼

2024 · €27k

Solvency

52.1%▲

2024 · 37.6%

Current ratio

1.96▲

2024 · 1.55

Quick ratio

1.96▲

2024 · 1.55

Debt / equity

0.92▼

2024 · 1.66

ROE

12.7%▼

2024 · 20.5%

ROA

6.6%▼

2024 · 7.7%

Interest coverage

11.03▲

2024 · 9.18

Debt

€54k▼

2024 · €87k

Debt ≤ 1 year

€38k▼

2024 · €56k

Debt > 1 year

€16k▼

2024 · €31k

Income taxes

€2k▼

2024 · €3k

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€140k€114k▼

Fixed assets21/28€53k€39k▼

Tangible fixed assets22/27€53k€39k▼

Land and buildings22€0-

Plant, machinery and equipment23€23k€20k▼

Furniture and vehicles24€30k€19k▼

Current assets29/58€87k€75k▼

Amounts receivable within one year40/41€61k€62k▲

Trade receivables40€18k€15k▼

Other amounts receivable41€43k€48k▲

Cash at bank and in hand54/58€23k€7k▼

Deferred charges and accrued income490/1€3k€5k▲

Equity and liabilities

Total equity and liabilities10/49€140k€114k▼

Equity10/15€53k€59k▲

Contributions10/11€5k€5k=

Reserves13€48k€54k▲

Distributable reserves133€48k€54k▲

Profit (loss) carried forward14€0€0=

Amounts payable17/49€87k€54k▼

Amounts payable after more than one year17€31k€16k▼

Financial debts170/4€31k€16k▼

Amounts payable within one year42/48€56k€38k▼

Current portion of amounts payable after more than one year42€14k€15k▲

Trade debts44€25k€21k▼

Suppliers440/4€25k€21k▼

Taxes, remuneration and social security45€16k€2k▼

Taxes450/3€16k€2k▼

Remuneration and social security454/9€0-

Other amounts payable47/48€859€0▼

Accrued charges and deferred income492/3-€225

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€14k▼

Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€150€0▼

Other operating charges640/8€1k€1k▼

Gross operating margin9900€33k€25k▼

Operating profit (loss)9901€15k€10k▼

Financial income75/76B€3k€2k▼

Recurring financial income75€3k€2k▼

Financial charges65/66B€3k€2k▼

Recurring financial charges65€3k€2k▼

Profit (loss) for the period before taxes9903€14k€10k▼

Income taxes67/77€3k€2k▼

Profit (loss) for the period9904€11k€8k▼

Profit (loss) for the period to be appropriated9905€11k€8k▼

Appropriation of the result

Profit (loss) to be appropriated9906€11k€8k▼

Transfer to equity691/2€10k€8k▼

To other reserves6921€10k€8k▼

Profit to be distributed694/7€859€0▼

Return on contributions (dividend)694€859€0▼

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 4Financial 1Filings 3

Next filing, fiscal year 2026, expected by 31-07-2027

2026

26-05

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Weakest financial yearnet €8k ▼29.8%

Net result drops to €8k, the lowest in the series.

08-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

27-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 27 days late

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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2022

establishment The establishment unit on the map

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.

Van Hovestraat 239150 Beveren-Kruibeke-Zwijndrecht

Ground area

416 m²

Building footprint

6 m²

Volume, LiDAR

58 m³

Parcel 46013A0898/00E007, Flanders · tallest building 9.3 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

Clippeleyr Sam

Van Hovestraat 23, 9150 Beveren-Kruibeke-ZwijndrechtManufacture of other builders' carpentry and joinery

since 20222.338.900.226

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
46013A0898/00E007	Flanders	416 m²	1 · 6 m²	9.2 m · 3 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.

Similar companies · same sector, comparable size

Leopoldsburg · Eq €59k

Of 8,483 companies in sector 43410 we hold annual accounts for 4,308. 3,682 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded02-12-2022

Fiscal year end31-12

Activities, NACEBEL

43410Roofing work

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.