Clo'zer
ActiveClo'zer has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €57k and a net result of €32k. Equity is growing by ~49.9% per year across the filed fiscal years. Its solvency ranks better than 63% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+95
Solvency94▲+24
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 3.09 against 1.68 in 2024; short-term debt: 31.3% and cash: 45.1% of total assets), and 31.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
68.7%
Return on assets
39.3%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 19-02-2026, 19 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 · 5 filingsDeviation from the deadline
2025
19 d late
2024
3 d late
2023
1 d late
2022
2 d late
2021
on the day
← 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, micro schema
Equity
€57k▲ 134%
2024 · €24k
2021: €5k
2022: €22k
2023: €31k
2024: €24k
2021 → 2025
Total assets
€83k▲ 53.9%
2024 · €54k
2021: €29k
2022: €32k
2023: €52k
2024: €54k
2021 → 2025
Net result
€32k
2024 · €-7k
2021: €2k
2022: €17k
2023: €9k
2024: €-7k
2021 → 2025
Working capital
€54k▲ 168%
2024 · €20k
2021: €-9k
2022: €13k
2023: €23k
2024: €20k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€5k-€22k▲ 311%€31k▲ 40.1%€24k▼ 22.4%€57k▲ 134%
Operating result€9k-€24k▲ 168%€14k▼ 42.4%€-3k€43k
Net result€2k-€17k▲ 594%€9k▼ 47.0%€-7k€32k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €43k after a loss of €3k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €83k
Fixed assets
€3k▼ 35.5%
Current assets
€80k▲ 61.3%
Equity and liabilities €83k
Equity
€57k▲ 134%
Debt
€26k▼ 12.1%
The debt ratio falls from 54.8% to 31.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€47k▲
2024 · €1k
Cash flow
€37k▲
2024 · €-3k
Solvency
68.7%▲
2024 · 45.2%
Current ratio
3.09▲
2024 · 1.68
Quick ratio
3.09▲
2024 · 1.68
Debt / equity
0.46▼
2024 · 1.21
ROE
57.2%▲
2024 · -28.8%
ROA
39.3%▲
2024 · -13.0%
Interest coverage
18.84▲
2024 · 0.34
Debt
€26k▼
2024 · €29k
Debt ≤ 1 year
€26k▼
2024 · €29k
Income taxes
€8k▲
2024 · €134
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€54k€83k▲
Fixed assets21/28€4k€3k▼
Tangible fixed assets22/27€4k€3k▼
Plant, machinery and equipment23€2k€688▼
Furniture and vehicles24€1k€2k▲
Leasing and similar rights25€455-
Current assets29/58€50k€80k▲
Amounts receivable within one year40/41€29k€40k▲
Trade receivables40€14k€14k▲
Other amounts receivable41€15k€26k▲
Cash at bank and in hand54/58€16k€37k▲
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€54k€83k▲
Equity10/15€24k€57k▲
Contributions10/11€3k€3k=
Outside capital11€3k€3k=
Other1109/19€3k€3k=
Reserves13€21k€54k▲
Distributable reserves133€21k€54k▲
Profit (loss) carried forward14€53€79▲
Amounts payable17/49€29k€26k▼
Amounts payable within one year42/48€29k€26k▼
Current portion of amounts payable after more than one year42€329-
Trade debts44€13k€14k▲
Suppliers440/4€13k€14k▲
Taxes, remuneration and social security45€16k€12k▼
Taxes450/3€16k€12k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▼
Other operating charges640/8€527€244▼
Gross operating margin9900€2k€47k▲
Operating profit (loss)9901€-3k€43k▲
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€-7k€41k▲
Income taxes67/77€134€8k▲
Profit (loss) for the period9904€-7k€32k▲
Profit (loss) for the period to be appropriated9905€-7k€32k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€33k▲
Profit (loss) brought forward from the previous period14P€45€53▲
Transfer from equity791/2€7k-
Transfer to equity691/2-€32k
To other reserves6921-€32k
The notes to these accounts (6 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
19-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 19 days late
2025
30-06
Financial
Back to profitnet €32k
Net result €32k after one loss-making year.
03-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 3 days late
2024
30-06
Financial
Weakest financial yearnet €-7k ▼178%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
01-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 1 day late
2023
02-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
2022
30-06
Financial
Liquidity quadruplescurrent ratio 2.30
Current ratio from 0.62 to 2.30; short-term debt falls from €24k to €10k.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, La Louvière · 1 establishment unit since 2019
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.
Rue du Quesnoy(TRI) 677100 La LouvièreGround area
3,450 m²
Building footprint
821 m²
Volume, LiDAR
2,167 m³
2 parcels, Wallonia · tallest building 19.5 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Clo'zer
since 20192.291.721.901
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55046A0225/00D002 | Wallonia | 2,722 m² | 1 · 152 m² | 19.5 m · 5 fl. |
| 55372D0045/00X004 | Wallonia | 727 m² | 1 · 669 m² | - |
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.
Similar companies · same sector, comparable size
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Dynamix
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CORUSCENT
BE 0875.889.511
Meise · Eq €57k
Universal Exports TDB
BE 0800.976.906
Boechout · Eq €57k
M.G.A.
BE 0450.976.061
Genappe · Eq €57k
Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 38,706 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-07-2019
Fiscal year end30-06
Activities, NACEBEL
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
70200Business and other management consultancy
70220Business consulting
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.