CLOET
ActiveSummary
CLOET has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €871k and a net result of €165k. Equity is growing by ~7.3% per year across the filed fiscal years. Its solvency ranks better than 90% of 2566 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability89▼-2
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity ample (current ratio 5.9 against 7.66 in 2024; short-term debt: 15.6% and cash: 20% of total assets), and 15.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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
84.4%
Return on assets
16%
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95)
about 19% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
31 d late
2023
30 d late
2022
30 d late
2021
30 d late
2020
27 d late
2019
28 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
Financials · fiscal year 2025, micro schema
Equity
€871k▲ 23.4%
2024 · €706k
2018: €444klowest in 8 years
2019: €464k▲ +4.5% vs 2018
2020: €488k▲ +5.1% vs 2019
2021: €494k▲ +1.3% vs 2020
2022: €505k▲ +2.1% vs 2021
2023: €562k▲ +11.2% vs 2022
2024: €706k▲ +25.7% vs 2023
2025: €871k▲ +23.4% vs 2024highest in 8 years
2018 → 2025
Total assets
€1.03M▲ 27.2%
2024 · €812k
2018: €488klowest in 8 years
2019: €504k▲ +3.2% vs 2018
2020: €535k▲ +6.2% vs 2019
2021: €546k▲ +2.1% vs 2020
2022: €552k▲ +1.1% vs 2021
2023: €636k▲ +15.2% vs 2022
2024: €812k▲ +27.6% vs 2023
2025: €1.03M▲ +27.2% vs 2024highest in 8 years
2018 → 2025
Net result
€165k▲ 14.5%
2024 · €144k
2018: €36k
2019: €20k▼ -43.6% vs 2018
2020: €24k▲ +18.2% vs 2019
2021: €6k▼ -72.9% vs 2020lowest in 8 years
2022: €11k▲ +65.1% vs 2021
2023: €57k▲ +435% vs 2022
2024: €144k▲ +155% vs 2023
2025: €165k▲ +14.5% vs 2024highest in 8 years
2018 → 2025
Working capital
€788k▲ 12.4%
2024 · €702k
2018: €444klowest in 8 years
2019: €449k▲ +1.1% vs 2018
2020: €471k▲ +4.9% vs 2019
2021: €484k▲ +2.9% vs 2020
2022: €500k▲ +3.1% vs 2021
2023: €560k▲ +12.0% vs 2022
2024: €702k▲ +25.4% vs 2023
2025: €788k▲ +12.4% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€494k-€505k▲ 2.1%€562k▲ 11.2%€706k▲ 25.7%€871k▲ 23.4%
2021: €494klowest in 5 years
2022: €505k▲ +2.1% vs 2021
2023: €562k▲ +11.2% vs 2022
2024: €706k▲ +25.7% vs 2023
2025: €871k▲ +23.4% vs 2024highest in 5 years
Operating result€-2k-€10k€72k▲ 598%€209k▲ 191%€215k▲ 2.9%
2021: €-2klowest in 5 years
2022: €10k▲ +640% vs 2021
2023: €72k▲ +598% vs 2022
2024: €209k▲ +191% vs 2023
2025: €215k▲ +2.9% vs 2024highest in 5 years
Net result€6k-€11k▲ 65.1%€57k▲ 435%€144k▲ 155%€165k▲ 14.5%
2021: €6klowest in 5 years
2022: €11k▲ +65.1% vs 2021
2023: €57k▲ +435% vs 2022
2024: €144k▲ +155% vs 2023
2025: €165k▲ +14.5% vs 2024highest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 3% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.03M
Fixed assets
€83k ▲ 1,626%
Current assets
€949k ▲ 17.7%
Equity and liabilities €1.03M
Equity
€871k ▲ 23.4%
Debt
€161k ▲ 52.8%
Debt's share of the balance-sheet total rises from 13.0% to 15.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€226k▼
2024 · €227k
Cash flow
€176k▲
2024 · €163k
Current ratio
5.90▼
2024 · 7.66
Quick ratio
5.88▼
2024 · 7.64
Debt to equity
0.19▲
2024 · 0.15
ROE
19.0%▼
2024 · 20.5%
ROA
16.0%▼
2024 · 17.8%
Interest coverage
640.68▲
2024 · 107.28
Debt ≤ 1 year
€161k▲
2024 · €105k
Income taxes
€51k▼
2024 · €64k
Staff costs
€210k▲
2024 · €161k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€812k€1.03M▲
Fixed assets21/28€5k€83k▲
Tangible fixed assets22/27€4k€82k▲
Plant, machinery and equipment23-€2k
Furniture and vehicles24-€80k
Leasing and similar rights25€4k-
Financial fixed assets28€1k€1k=
Current assets29/58€807k€949k▲
Stocks and contracts in progress3€2k€2k▼
Stocks30/36€2k€2k▼
Amounts receivable within one year40/41€358k€276k▼
Trade receivables40€158k€74k▼
Other amounts receivable41€200k€202k▲
Current investments50/53€300k€434k▲
Cash at bank and in hand54/58€116k€207k▲
Deferred charges and accrued income490/1€30k€31k▲
Equity and liabilities
Total equity and liabilities10/49€812k€1.03M▲
Equity10/15€706k€871k▲
Contributions10/11€244k€244k=
Reserves13€272k€272k=
Distributable reserves133€272k€272k=
Profit (loss) carried forward14€190k€356k▲
Amounts payable17/49€106k€161k▲
Amounts payable within one year42/48€105k€161k▲
Trade debts44€33k€41k▲
Suppliers440/4€33k€41k▲
Taxes, remuneration and social security45€72k€120k▲
Taxes450/3€58k€82k▲
Remuneration and social security454/9€13k€38k▲
Accrued charges and deferred income492/3€397€397=
Income statement
Code20242025
Remuneration, social security and pensions62€161k€210k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€11k▼
Other operating charges640/8€2k€3k▲
Gross operating margin9900€390k€439k▲
Operating profit (loss)9901€209k€215k▲
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€2k€352▼
Recurring financial charges65€2k€352▼
Profit (loss) for the period before taxes9903€209k€217k▲
Income taxes67/77€64k€51k▼
Profit (loss) for the period9904€144k€165k▲
Profit (loss) for the period to be appropriated9905€144k€165k▲
Appropriation of the result
Profit (loss) to be appropriated9906€335k€356k▲
Profit (loss) brought forward from the previous period14P€190k€190k=
Transfer to equity691/2€144k-
To other reserves6921€144k-
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €3k | - | - | - | - |
| Remuneration, social security and pensions62 | €100k | €121k | €154k | €161k | €210k | ▲ 30.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7k | €7k | €3k | €18k | €11k | ▼ 42.1% |
| Other operating charges640/8 | €2k | €2k | €2k | €2k | €3k | ▲ 71.8% |
| Non-recurring operating charges66A | €15k | - | - | - | - | - |
| Gross operating margin9900 | €121k | €141k | €231k | €390k | €439k | ▲ 12.5% |
| Operating profit (loss)9901 | €-2k | €10k | €72k | €209k | €215k | ▲ 2.9% |
| Financial income75/76B | €6k | €3k | €55 | €1k | €2k | ▲ 27.1% |
| Recurring financial income75 | €6k | €3k | €55 | €1k | €2k | ▲ 27.1% |
| Financial charges65/66B | €623 | €492 | €267 | €2k | €352 | ▼ 83.4% |
| Recurring financial charges65 | €623 | €492 | €267 | €2k | €352 | ▼ 83.4% |
| Profit (loss) for the period before taxes9903 | €3k | €13k | €72k | €209k | €217k | ▲ 3.9% |
| Income taxes67/77 | €-3k | €3k | €15k | €64k | €51k | ▼ 19.8% |
| Profit (loss) for the period9904 | €6k | €11k | €57k | €144k | €165k | ▲ 14.5% |
| Profit (loss) for the period to be appropriated9905 | €6k | €11k | €57k | €144k | €165k | ▲ 14.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €546k | €552k | €636k | €812k | €1.03M | ▲ 27.2% |
| Fixed assets21/28 | €10k | €6k | €2k | €5k | €83k | ▲ 1,626% |
| Tangible fixed assets22/27 | €10k | €5k | €2k | €4k | €82k | ▲ 2,069% |
| Plant, machinery and equipment23 | €2k | €1k | - | - | €2k | - |
| Furniture and vehicles24 | - | - | - | - | €80k | - |
| Leasing and similar rights25 | - | - | - | €4k | - | - |
| Other tangible fixed assets26 | €8k | €4k | €2k | - | - | - |
| Financial fixed assets28 | €533 | €533 | €533 | €1k | €1k | = |
| Current assets29/58 | €536k | €546k | €634k | €807k | €949k | ▲ 17.7% |
| Stocks and contracts in progress3 | €23k | €8k | €3k | €2k | €2k | ▼ 10.7% |
| Stocks30/36 | €23k | €8k | €3k | €2k | €2k | ▼ 10.7% |
| Amounts receivable within one year40/41 | €314k | €296k | €328k | €358k | €276k | ▼ 23.0% |
| Trade receivables40 | €101k | €82k | €123k | €158k | €74k | ▼ 53.2% |
| Other amounts receivable41 | €213k | €214k | €205k | €200k | €202k | ▲ 1.1% |
| Current investments50/53 | - | - | - | €300k | €434k | ▲ 44.6% |
| Cash at bank and in hand54/58 | €172k | €213k | €276k | €116k | €207k | ▲ 77.6% |
| Deferred charges and accrued income490/1 | €26k | €29k | €27k | €30k | €31k | ▲ 2.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €546k | €552k | €636k | €812k | €1.03M | ▲ 27.2% |
| Equity10/15 | €494k | €505k | €562k | €706k | €871k | ▲ 23.4% |
| Contributions10/11 | €244k | €244k | €244k | €244k | €244k | = |
| Reserves13 | €128k | €128k | €128k | €272k | €272k | = |
| Non-distributable reserves130/1 | €24k | €24k | - | - | - | - |
| Reserves not available under the articles1311 | €24k | €24k | - | - | - | - |
| Distributable reserves133 | €103k | €103k | €128k | €272k | €272k | = |
| Profit (loss) carried forward14 | €123k | €134k | €190k | €190k | €356k | ▲ 86.8% |
| Amounts payable17/49 | €52k | €47k | €74k | €106k | €161k | ▲ 52.8% |
| Amounts payable within one year42/48 | €51k | €47k | €74k | €105k | €161k | ▲ 53.0% |
| Trade debts44 | €26k | €17k | €49k | €33k | €41k | ▲ 22.4% |
| Suppliers440/4 | €26k | €17k | €49k | €33k | €41k | ▲ 22.4% |
| Taxes, remuneration and social security45 | €17k | €24k | €24k | €72k | €120k | ▲ 67.2% |
| Taxes450/3 | - | €3k | €11k | €58k | €82k | ▲ 40.5% |
| Remuneration and social security454/9 | €17k | €21k | €13k | €13k | €38k | ▲ 183% |
| Other amounts payable47/48 | €9k | €6k | €1k | - | - | - |
| Accrued charges and deferred income492/3 | €397 | €397 | €397 | €397 | €397 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €6k | €11k | €57k | €144k | €165k | ▲ 14.5% |
| + Depreciation and write-downs630 | €7k | €7k | €3k | €18k | €11k | ▼ 42.1% |
| Operating cash flow (approximation) | €13k | €17k | €60k | €163k | €176k | ▲ 8.2% |
| Investment in fixed assets (approximation) | - | €-2k | €0 | €-21k | €-89k | ▼ 333% |
| Change in cash | - | €41k | €63k | €-159k | €90k | ▲ 157% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €165k ▲14.5%
Operating result €215k, net result €165k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Equity above €500kEq €505k ▲2.1%
5 profitable years in a row build equity to €505k.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Weakest financial yearnet €6k ▼72.9%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Herent · 1 establishment unit since 1994
Ground area
1,219 m²
Building footprint
158 m²
Volume, LiDAR
57 m³
Parcel 24127B0150/00M000, Flanders · tallest building 5.1 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Mechelsesteenweg 1013, 3020 Herent
since 19942.069.584.971
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24127B0150/00M000 | Flanders | 1,219 m² | 1 · 158 m² | 5.1 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
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
2024 to 2025 · 2 entries · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,000 EUR | 1,000 EUR |
| 2024 | 1 | 1,000 EUR | 1,000 EUR |
Schemes
Premie kwalificerend werkplekleren
Recognitions · licences · registrations
Dual-learning approval
4 live approvalsAutotechnieken duaal (so)
Onderhoudsmecanicien personenwagens en lichte bedrijfsvoertuigen (vwo)
Onderhoudsmechanica auto duaal (so)
Polyvalent mecanicien personenwagens en lichte bedrijfsvoertuigen duaal (so)
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Of 7,373 companies in sector 95311 we hold annual accounts for 2,961. 1,777 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded09-12-1994
Fiscal year end31-12
Activities, NACEBEL 2025
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
Scores and ratios are computed by Checked and are not a credit decision.