CLOET KATRIEN
ActiveCLOET KATRIEN has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €381k and a net result of €56k. Equity is growing by ~19.6% per year across the filed fiscal years. Its solvency ranks better than 74% of 16424 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▲+1
Solvency100▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 6.49 against 3.21 in 2024; short-term debt: 15.3% and cash: 28.3% of total assets), and 16.7% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← 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
83.3%
Return on assets
12.2%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
27 d early
2023
36 d early
2022
3 d early
2021
2 d early
2020
1 d early
2019
2 d early
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€381k▲ 17.2%
2024 · €325k
2018: €150k
2019: €180k
2020: €233k
2021: €280k
2022: €342k
2023: €407k
2024: €325k
2018 → 2025
Total assets
€457k▼ 3.5%
2024 · €473k
2018: €290k
2019: €323k
2020: €377k
2021: €431k
2022: €487k
2023: €547k
2024: €473k
2018 → 2025
Net result
€56k▲ 6.7%
2024 · €52k
2018: €28k
2019: €30k
2020: €53k
2021: €47k
2022: €62k
2023: €53k
2024: €52k
2018 → 2025
Working capital
€383k▲ 24.0%
2024 · €309k
2018: €170k
2019: €200k
2020: €256k
2021: €263k
2022: €336k
2023: €413k
2024: €309k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€280k-€342k▲ 22.2%€407k▲ 19.0%€325k▼ 20.3%€381k▲ 17.2%
Operating result€72k-€87k▲ 21.0%€77k▼ 11.2%€59k▼ 23.8%€71k▲ 20.4%
Net result€47k-€62k▲ 32.7%€53k▼ 15.2%€52k▼ 0.7%€56k▲ 6.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 20% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €457k
Fixed assets
€4k▼ 84.5%
Current assets
€453k▲ 0.8%
Equity and liabilities €457k
Equity
€381k▲ 17.2%
Debt
€76k▼ 48.7%
The debt ratio falls from 31.4% to 16.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€91k▲
2024 · €79k
Cash flow
€76k▲
2024 · €73k
Solvency
83.3%▲
2024 · 68.6%
Current ratio
6.49▲
2024 · 3.21
Quick ratio
6.48▲
2024 · 3.20
Debt / equity
0.20▼
2024 · 0.46
ROE
14.7%▼
2024 · 16.1%
ROA
12.2%▲
2024 · 11.1%
Interest coverage
14.13▲
2024 · 8.64
Debt
€76k▼
2024 · €149k
Debt ≤ 1 year
€70k▼
2024 · €140k
Income taxes
€21k▲
2024 · €21k
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€473k€457k▼
Fixed assets21/28€24k€4k▼
Tangible fixed assets22/27€24k€4k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€22k€3k▼
Current assets29/58€449k€453k▲
Stocks and contracts in progress3€260€260=
Stocks30/36€260€260=
Amounts receivable within one year40/41€39k€33k▼
Trade receivables40€38k€33k▼
Other amounts receivable41€1k€0▼
Current investments50/53€268k€288k▲
Cash at bank and in hand54/58€139k€129k▼
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€473k€457k▼
Equity10/15€325k€381k▲
Contributions10/11€19k€19k=
Reserves13€302k€357k▲
Distributable reserves133€302k€357k▲
Profit (loss) carried forward14€4k€5k▲
Amounts payable17/49€149k€76k▼
Amounts payable within one year42/48€140k€70k▼
Trade debts44€30k€1k▼
Suppliers440/4€30k€1k▼
Taxes, remuneration and social security45€4k€4k▲
Taxes450/3€2k€3k▲
Remuneration and social security454/9€1k€1k▲
Other amounts payable47/48€107k€65k▼
Accrued charges and deferred income492/3€9k€6k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€20k▼
Other operating charges640/8€1k€1k▼
Non-recurring operating charges66A€126-
Gross operating margin9900€81k€92k▲
Operating profit (loss)9901€59k€71k▲
Financial income75/76B€24k€13k▼
Recurring financial income75€24k€13k▼
Financial charges65/66B€9k€6k▼
Recurring financial charges65€9k€6k▼
Profit (loss) for the period before taxes9903€73k€77k▲
Income taxes67/77€21k€21k▲
Profit (loss) for the period9904€52k€56k▲
Profit (loss) for the period to be appropriated9905€52k€56k▲
Appropriation of the result
Profit (loss) to be appropriated9906€56k€60k▲
Profit (loss) brought forward from the previous period14P€4k€4k▲
Transfer from equity791/2€135k€0▼
Transfer to equity691/2€52k€55k▲
To other reserves6921€52k€55k▲
Profit to be distributed694/7€135k€0▼
Return on contributions (dividend)694€135k€0▼
The notes to these accounts (4 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity doublescurrent ratio 6.49
Current ratio from 3.21 to 6.49; short-term debt falls from €140k to €70k.
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €62k ▲32.7%
Operating result €87k, net result €62k, both a record.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €200kEq €233k ▲29.5%
3 profitable years in a row build equity to €233k.
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €150kEq €180k ▲20.2%
2 profitable years in a row build equity to €180k.
10-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
18-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 18 days late
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, Zwevegem · 1 establishment unit since 2004
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.
Vierkeerstraat(H) 1028551 ZwevegemGround area
1,230 m²
Building footprint
221 m²
Volume, LiDAR
982 m³
Parcel 34014B0338/00H000, Flanders · tallest building 7.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Vierkeerstraat(H) 102, 8551 Zwevegem
since 20042.240.840.154
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34014B0338/00H000 | Flanders | 1,230 m² | 1 · 221 m² | 7.7 m · 1 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 105 EUR awarded · 105 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 105 EUR | 105 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
529900O0PHF1H8FSQV95
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Of 5,983 companies in sector 86940 we hold annual accounts for 1,807. 1,089 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-04-2004
Fiscal year end31-12
Activities, NACEBEL
86906Human health activities
86940Nursing and midwifery
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.