CLOFINI
ActiveCLOFINI has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.17M and a net result of €442k. Equity is growing by ~59% per year across the filed fiscal years. Its solvency ranks better than 91% of 8592 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
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
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €200k at 30 days acceptable
Liquidity ample (current ratio 9.54 against 8.46 in 2024), and 5.7% 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
94.3%
Return on assets
19.2%
Age of the figures
8 mo
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
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
38 d early
2023
37 d early
2022
26 d early
2021
32 d early
2020
25 d early
2019
46 d late
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.17M▲ 25.6%
2024 · €1.73M
2018: €190k
2019: €145k
2020: €153k
2021: €374k
2022: €453k
2023: €1.07M
2024: €1.73M
2018 → 2025
Total assets
€2.31M▲ 26.8%
2024 · €1.82M
2018: €1.47M
2019: €1.46M
2020: €1.44M
2021: €1.70M
2022: €1.62M
2023: €1.33M
2024: €1.82M
2018 → 2025
Net result
€442k▼ 33.0%
2024 · €660k
2018: €-48k
2019: €-45k
2020: €9k
2021: €221k
2022: €79k
2023: €617k
2024: €660k
2018 → 2025
Working capital
€1.06M▲ 77.2%
2024 · €596k
2018: €-300k
2019: €-288k
2020: €-310k
2021: €-50k
2022: €-346
2023: €150k
2024: €596k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€374k-€453k▲ 21.2%€1.07M▲ 136%€1.73M▲ 61.7%€2.17M▲ 25.6%
Operating result€262k-€121k▼ 53.6%€191k▲ 57.2%€173k▼ 9.3%€155k▼ 10.3%
Net result€221k-€79k▼ 64.0%€617k▲ 677%€660k▲ 7.0%€442k▼ 33.0%
Turnover and EBIT margin not published: the abbreviated or 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 10% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.31M
Fixed assets
€1.13M▼ 1.4%
Current assets
€1.18M▲ 74.5%
Equity and liabilities €2.31M
Equity
€2.17M▲ 25.6%
Debt
€132k▲ 51.0%
The debt ratio rises from 4.8% to 5.7%: debt grows faster than equity.
Key figures and ratios
EBITDA
€228k▼
2024 · €238k
Cash flow
€515k▼
2024 · €726k
Solvency
94.3%▼
2024 · 95.2%
Current ratio
9.54▲
2024 · 8.46
Quick ratio
9.54▲
2024 · 8.46
Debt / equity
0.06▲
2024 · 0.05
ROE
20.4%▼
2024 · 38.1%
ROA
19.2%▼
2024 · 36.3%
Interest coverage
6.96▼
2024 · 22.78
Debt
€132k▲
2024 · €88k
Debt ≤ 1 year
€124k▲
2024 · €80k
Debt > 1 year
€8k▲
2024 · €8k
Income taxes
€81k▼
2024 · €102k
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€1.82M€2.31M▲
Fixed assets21/28€1.14M€1.13M▼
Tangible fixed assets22/27€1.03M€1.02M▼
Land and buildings22€964k€950k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€66k€64k▼
Financial fixed assets28€110k€110k=
Current assets29/58€675k€1.18M▲
Amounts receivable after more than one year29€111k€111k=
Other amounts receivable291€111k€111k=
Amounts receivable within one year40/41€4k€47k▲
Trade receivables40-€34k
Other amounts receivable41€4k€12k▲
Current investments50/53-€563k
Cash at bank and in hand54/58€558k€455k▼
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€1.82M€2.31M▲
Equity10/15€1.73M€2.17M▲
Contributions10/11€525k€525k=
Reserves13€1.21M€1.65M▲
Distributable reserves133€1.21M€1.65M▲
Amounts payable17/49€88k€132k▲
Amounts payable after more than one year17€8k€8k▲
Other amounts payable178/9€8k€8k▲
Amounts payable within one year42/48€80k€124k▲
Trade debts44€11k€79k▲
Suppliers440/4€11k€79k▲
Taxes, remuneration and social security45€69k€44k▼
Taxes450/3€69k€44k▼
Accrued charges and deferred income492/3€0€754▲
Income statement
Code20242025
Non-recurring operating income76A€4k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€65k€72k▲
Other operating charges640/8€22k€18k▼
Gross operating margin9900€260k€246k▼
Operating profit (loss)9901€173k€155k▼
Financial income75/76B€600k€401k▼
Recurring financial income75€600k€401k▼
Financial charges65/66B€10k€33k▲
Recurring financial charges65€10k€33k▲
Non-recurring financial charges66B€0-
Profit (loss) for the period before taxes9903€763k€523k▼
Income taxes67/77€102k€81k▼
Profit (loss) for the period9904€660k€442k▼
Profit (loss) for the period to be appropriated9905€660k€442k▼
Appropriation of the result
Profit (loss) to be appropriated9906€660k€442k▼
Profit (loss) brought forward from the previous period14P€0-
Transfer to equity691/2€660k€442k▼
To other reserves6921€660k€442k▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (11 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
31-12
Financial
Equity above €2MEq €2.17M ▲25.6%
6 profitable years in a row build equity to €2.17M.
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €660k ▲7%
Net result €660k, the highest in the series.
31-12
Financial
Liquidity triplescurrent ratio 8.46
Current ratio from 3.16 to 8.46.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity triplescurrent ratio 3.16
Current ratio from 1.00 to 3.16; short-term debt falls from €387k to €70k.
31-12
Financial
Equity above €1MEq €1.07M ▲136%
4 profitable years in a row build equity to €1.07M.
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €374k ▲144%
2 profitable years in a row build equity to €374k.
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €9k
Net result €9k after 2 loss-making years.
31-12
Financial
Equity above €150kEq €153k ▲6.1%
Equity rises from €145k to €153k.
15-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 46 days late
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
13-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Leuven · 1 establishment unit since 2011
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.
Kaboutermansstraat 973000 LeuvenGround area
122 m²
Building footprint
94 m²
Volume, LiDAR
589 m³
Parcel 24504E0087/00E000, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Clofini
since 20112.204.766.448
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24504E0087/00E000 | Flanders | 122 m² | 1 · 94 m² | 9.2 m · 2 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.
Recognitions · licences · registrations
Legal Entity Identifier
699400NAQA7DOW7JEC58
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Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 19,109 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-11-2011
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:philip.moors@me.com
Phone:0473/742951