CLOOSTERMANS CHRIS
ActiveSummary
CLOOSTERMANS CHRIS has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €118k and a net result of €-3k. Equity is growing by ~3.8% per year across the filed fiscal years. Its solvency ranks better than 60% of 7453 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability51▲+35
Solvency78▲+5
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 1.85 against 1.18 in 2024; short-term debt: 20.9% and cash: 11.8% of total assets), and 47.1% 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+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-3k
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 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
35 d early
2023
13 d early
2022
20 d early
2021
37 d early
2020
32 d early
2019
29 d early
← 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€118k▼ 2.2%
2024 · €120k
2018: €109k
2019: €97k
2020: €106k
2021: €128k
2022: €142k
2023: €182k
2024: €120k
2018 → 2025
Total assets
€223k▼ 11.7%
2024 · €252k
2018: €316k
2019: €264k
2020: €221k
2021: €249k
2022: €278k
2023: €363k
2024: €252k
2018 → 2025
Net result
€-3k▲ 94.4%
2024 · €-47k
2018: €10k
2019: €3k
2020: €8k
2021: €22k
2022: €14k
2023: €40k
2024: €-47k
2018 → 2025
Working capital
€40k▲ 163%
2024 · €15k
2018: €40k
2019: €20k
2020: €24k
2021: €19k
2022: €20k
2023: €28k
2024: €15k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€128k-€142k▲ 11.2%€182k▲ 27.9%€120k▼ 33.8%€118k▼ 2.2%
Operating result€34k-€24k▼ 30.0%€58k▲ 144%€-41k€11k
Net result€22k-€14k▼ 35.9%€40k▲ 177%€-47k€-3k▲ 94.4%
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: €11k after a loss of €41k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €223k
Fixed assets
€136k ▼ 10.9%
Current assets
€86k ▼ 12.9%
Equity and liabilities €223k
Equity
€118k ▼ 2.2%
Debt
€105k ▼ 20.3%
Debt's share of the balance-sheet total falls from 52.3% to 47.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€56k▲
2024 · €11k
Cash flow
€42k▲
2024 · €5k
Current ratio
1.85▲
2024 · 1.18
Quick ratio
1.75▲
2024 · 1.14
Debt to equity
0.89▼
2024 · 1.09
ROE
-2.3%▲
2024 · -39.0%
ROA
-1.2%▲
2024 · -18.6%
Interest coverage
4.10▲
2024 · 1.94
Debt ≤ 1 year
€47k▼
2024 · €84k
Debt > 1 year
€58k▲
2024 · €48k
Income taxes
€677▼
2024 · €766
Staff costs
€137k▼
2024 · €138k
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 · 58 lines
Balance sheet
Code20242025
Assets
Total assets20/58€252k€223k▼
Fixed assets21/28€153k€136k▼
Tangible fixed assets22/27€153k€136k▼
Land and buildings22€38k€28k▼
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€23k€17k▼
Leasing and similar rights25€87k€87k▲
Financial fixed assets28€345€345=
Current assets29/58€99k€86k▼
Stocks and contracts in progress3€4k€5k▲
Stocks30/36€4k€5k▲
Amounts receivable within one year40/41€57k€42k▼
Trade receivables40€36k€26k▼
Other amounts receivable41€20k€17k▼
Cash at bank and in hand54/58€21k€26k▲
Deferred charges and accrued income490/1€17k€13k▼
Equity and liabilities
Total equity and liabilities10/49€252k€223k▼
Equity10/15€120k€118k▼
Contributions10/11€13k€13k=
Reserves13€147k€147k=
Distributable reserves133€147k€147k=
Profit (loss) carried forward14€-39k€-42k▼
Amounts payable17/49€132k€105k▼
Amounts payable after more than one year17€48k€58k▲
Financial debts170/4€48k€58k▲
Amounts payable within one year42/48€84k€47k▼
Current portion of amounts payable after more than one year42€34k€20k▼
Financial debts43€2k€0▼
Credit institutions430/8€2k€0▼
Trade debts44€32k€21k▼
Suppliers440/4€32k€21k▼
Taxes, remuneration and social security45€6k€746▼
Taxes450/3€6k€746▼
Remuneration and social security454/9€0-
Other amounts payable47/48€10k€5k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Non-recurring operating income76A€0€5k▲
Remuneration, social security and pensions62€138k€137k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€52k€45k▼
Other operating charges640/8€44k€9k▼
Non-recurring operating charges66A-€8k
Gross operating margin9900€192k€210k▲
Operating profit (loss)9901€-41k€11k▲
Financial income75/76B€757€605▼
Recurring financial income75€757€605▼
Financial charges65/66B€5k€14k▲
Recurring financial charges65€5k€14k▲
Profit (loss) for the period before taxes9903€-46k€-2k▲
Income taxes67/77€766€677▼
Profit (loss) for the period9904€-47k€-3k▲
Profit (loss) for the period to be appropriated9905€-47k€-3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-47k€-42k▲
Profit (loss) brought forward from the previous period14P-€-39k
Transfer from equity791/2€22k€0▼
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7€14k€0▼
Return on contributions (dividend)694€14k€0▼
The notes to these accounts (15 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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-47k ▼219%
Net result drops to €-47k, the lowest in the series; recovery starts the following year.
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €40k ▲177%
Operating result €58k, net result €40k, both a record.
31-12
Financial
Equity above €150kEq €182k ▲27.9%
6 profitable years in a row build equity to €182k.
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €106k ▲8.6%
3 profitable years in a row build equity to €106k.
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
13-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
11-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2000
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.
Pareinpark(BEV) 699120 Beveren-Kruibeke-ZwijndrechtGround area
720 m²
Building footprint
384 m²
Volume, LiDAR
2,363 m³
Parcel 46003B0702/00H000, Flanders · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Pareinpark(BEV) 69, 9120 Beveren-Kruibeke-Zwijndrecht
since 20002.097.104.366
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46003B0702/00H000 | Flanders | 719 m² | 1 · 384 m² | 7.1 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.
Similar companies · same sector, comparable size
DTS ENTREPRISES
BE 0668.772.240
Zaventem · Eq €117,679
Ziroo
BE 0759.700.238
Schaarbeek · Eq €117,699
LS CONSTRUCT
BE 0589.980.031
Binche · Eq €117,725
Scatinox
BE 0834.570.974
Charleroi · Eq €117,727
KLAPS BOUWWERKEN
BE 0448.047.057
Bree · Eq €117,537
Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 13,003 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-12-1999
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43990Other specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.