CLPA
ActiveSummary
CLPA has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €692,939 and a net result of €66,924. Equity is growing by ~34.3% per year across the filed fiscal years. Its solvency ranks better than 39% of 28184 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability73▼-15
Solvency62▲+1
Growth63=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45,000 at 30 days acceptable
Liquidity tight (current ratio 1.19 against 1.26 in 2024; short-term debt: 32.8% and cash: 15.3% of total assets), and 62.9% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
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 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
37.1%
Return on assets
3.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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
26 d late
2024
29 d late
2023
30 d late
2022
60 d late
2021
120 d late
2020
108 d late
2019
222 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 85 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Public money
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Financials · fiscal year 2025, micro schema
In the rankings
#8 company by total assets in Kaprijke, Construction sector
Turnover
€1.0m▼ 6.2%
2019 · €1.1m
EBIT margin
2.5%▲ 0.9pp
2019 · 1.6%
Net result
€66,924▼ 75.8%
2024 · €276,920
Working capital
€113,973▼ 28.3%
2024 · €158,871
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover
Operating result€13,980▼ 44.1%€256,360▲ 1,734%€101,129▼ 60.6%€438,969▲ 334%€110,906▼ 74.7%
Net result€1,259within the sector's middle half▼ 89.8%€160,629above the sector's middle half▲ 12,662%€60,383above the sector's middle half▼ 62.4%€276,920above the sector's middle half▲ 359%€66,924above the sector's middle half▼ 75.8%
EBIT margin
Equity€128,084above the sector's middle half▲ 0.3%€288,713above the sector's middle half▲ 125%€349,095above the sector's middle half▲ 20.9%€626,015above the sector's middle half▲ 79.3%€692,939above the sector's middle half▲ 10.7%
Total assets€1.1mabove the sector's middle half▼ 6.6%€1.5mabove the sector's middle half▲ 39.5%€1.6mabove the sector's middle half▲ 7.2%€1.8mabove the sector's middle half▲ 10.3%€1.9mabove the sector's middle half▲ 6.2%
Debt€938,161▼ 7.5%€1.2m▲ 27.8%€1.2m▲ 3.9%€1.1m▼ 9.0%€1.2m▲ 3.8%
Working capital-€194,247▼ 26.7%-€89,385▲ 54.0%-€51,402▲ 42.5%€158,871€113,973▼ 28.3%
Solvency12.0%below the sector's middle half▲ 0.8pp19.4%below the sector's middle half▲ 7.4pp21.9%below the sector's middle half▲ 2.5pp35.6%within the sector's middle half▲ 13.7pp37.1%within the sector's middle half▲ 1.5pp
Staff (FTE)3.73.2▼ 13.5%3▼ 6.3%4.5
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 75% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.9m
Fixed assets
€1.1m ▲ 16.7%
Current assets
€727,382 ▼ 6.9%
Equity and liabilities €1.9m
Equity
€692,939 ▲ 10.7%
Debt
€1.2m ▲ 3.8%
Debt's share of the balance-sheet total falls from 64.4% to 62.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€230,789▼
2024 · €555,234
Cash flow
€186,808▼
2024 · €393,185
Current ratio
1.19▼
2024 · 1.26
Quick ratio
0.92▲
2024 · 0.88
Debt to equity
1.70▼
2024 · 1.81
ROE
9.7%▼
2024 · 44.2%
ROA
3.6%▼
2024 · 15.7%
Interest coverage
8.86▼
2024 · 20.40
Debt ≤ 1 year
€613,409▼
2024 · €622,064
Debt > 1 year
€562,459▲
2024 · €510,906
Income taxes
€20,308▼
2024 · €139,178
Staff costs
€273,650▲
2024 · €205,666
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 16,986 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.5%
went bankrupt
4.9%
stopped otherwise
94%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 16,986 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €198,174 | €172,517 | €176,283 | €205,666 | €273,650 | ▲ 33.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €73,264 | €81,911 | €95,020 | €116,265 | €119,884 | ▲ 3.1% |
| Other operating charges640/8 | €7,656 | €38,708 | €11,817 | €11,010 | €32,134 | ▲ 192% |
| Gross operating margin9900 | €293,073 | €549,495 | €384,249 | €771,910 | €536,573 | ▼ 30.5% |
| Operating profit (loss)9901 | €13,980 | €256,360 | €101,129 | €438,969 | €110,906 | ▼ 74.7% |
| Financial income75/76B | €11 | €2,239 | €5,837 | €4,349 | €2,386 | ▼ 45.1% |
| Recurring financial income75 | €11 | €2,239 | €5,837 | €4,349 | €2,386 | ▼ 45.1% |
| Non-recurring financial income76B | €11 | - | - | - | - | - |
| Financial charges65/66B | €12,063 | €15,429 | €17,431 | €27,219 | €26,059 | ▼ 4.3% |
| Recurring financial charges65 | €12,034 | €15,429 | €17,431 | €27,219 | €26,059 | ▼ 4.3% |
| Non-recurring financial charges66B | €29 | - | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €1,928 | €243,169 | €89,535 | €416,098 | €87,232 | ▼ 79.0% |
| Income taxes67/77 | €670 | €82,540 | €29,152 | €139,178 | €20,308 | ▼ 85.4% |
| Profit (loss) for the period9904 | €1,259 | €160,629 | €60,383 | €276,920 | €66,924 | ▼ 75.8% |
| Transfer to tax-exempt reserves689 | - | - | - | - | €30,000 | - |
| Profit (loss) for the period to be appropriated9905 | €1,259 | €160,629 | €60,383 | €276,920 | €36,924 | ▼ 86.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.1m | €1.5m | €1.6m | €1.8m | €1.9m | ▲ 6.2% |
| Fixed assets21/28 | €602,268 | €824,557 | €800,453 | €978,050 | €1.1m | ▲ 16.7% |
| Tangible fixed assets22/27 | €602,268 | €824,557 | €800,453 | €978,050 | €1.1m | ▲ 16.7% |
| Land and buildings22 | €544,310 | €765,599 | €707,425 | €861,829 | €974,885 | ▲ 13.1% |
| Plant, machinery and equipment23 | €31,002 | €45,589 | €58,574 | €59,096 | €113,648 | ▲ 92.3% |
| Furniture and vehicles24 | €26,956 | €13,369 | €34,455 | €57,125 | €52,891 | ▼ 7.4% |
| Current assets29/58 | €463,976 | €662,927 | €793,728 | €780,936 | €727,382 | ▼ 6.9% |
| Stocks and contracts in progress3 | €129,820 | €137,907 | €230,334 | €232,535 | €161,811 | ▼ 30.4% |
| Stocks30/36 | €129,820 | €137,907 | €230,334 | €232,535 | €161,811 | ▼ 30.4% |
| Amounts receivable within one year40/41 | €194,510 | €423,837 | €428,956 | €167,388 | €203,720 | ▲ 21.7% |
| Trade receivables40 | €156,333 | €417,172 | €379,867 | €126,316 | €139,938 | ▲ 10.8% |
| Other amounts receivable41 | €38,176 | €6,665 | €49,089 | €41,073 | €63,782 | ▲ 55.3% |
| Current investments50/53 | €6,400 | €11,000 | €15,800 | €20,600 | €31,400 | ▲ 52.4% |
| Cash at bank and in hand54/58 | €133,246 | €90,184 | €109,478 | €350,095 | €285,998 | ▼ 18.3% |
| Deferred charges and accrued income490/1 | - | - | €9,160 | €10,317 | €44,453 | ▲ 331% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.1m | €1.5m | €1.6m | €1.8m | €1.9m | ▲ 6.2% |
| Equity10/15 | €128,084 | €288,713 | €349,095 | €626,015 | €692,939 | ▲ 10.7% |
| Contributions10/11 | €24,900 | €24,900 | €24,900 | €24,900 | €24,900 | = |
| Capital10 | €24,900 | €24,900 | - | - | - | - |
| Issued capital100 | €24,900 | €24,900 | - | - | - | - |
| Reserves13 | - | €160,000 | €220,000 | €495,000 | €525,000 | ▲ 6.1% |
| Tax-exempt reserves132 | - | - | - | - | €30,000 | - |
| Distributable reserves133 | - | €160,000 | €220,000 | €495,000 | €495,000 | = |
| Profit (loss) carried forward14 | €103,184 | €103,813 | €104,195 | €106,115 | €143,039 | ▲ 34.8% |
| Amounts payable17/49 | €938,161 | €1.2m | €1.2m | €1.1m | €1.2m | ▲ 3.8% |
| Amounts payable after more than one year17 | €279,937 | €446,460 | €399,956 | €510,906 | €562,459 | ▲ 10.1% |
| Financial debts170/4 | €279,937 | €446,460 | €399,956 | €510,906 | €562,459 | ▲ 10.1% |
| Amounts payable within one year42/48 | €658,223 | €752,312 | €845,130 | €622,064 | €613,409 | ▼ 1.4% |
| Current portion of amounts payable after more than one year42 | €51,094 | €76,538 | €55,988 | €59,385 | €67,310 | ▲ 13.3% |
| Trade debts44 | €167,797 | €129,378 | €262,729 | €19,932 | €33,500 | ▲ 68.1% |
| Suppliers440/4 | €167,797 | €129,378 | €262,729 | €19,932 | €33,500 | ▲ 68.1% |
| Taxes, remuneration and social security45 | €670 | €82,576 | €84,067 | €111,620 | €101,035 | ▼ 9.5% |
| Taxes450/3 | €670 | €81,099 | €81,532 | €101,937 | €99,178 | ▼ 2.7% |
| Remuneration and social security454/9 | - | €1,476 | €2,535 | €9,682 | €1,856 | ▼ 80.8% |
| Other amounts payable47/48 | €438,663 | €463,820 | €442,346 | €431,128 | €411,565 | ▼ 4.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1,259 | €160,629 | €60,383 | €276,920 | €66,924 | ▼ 75.8% |
| + Depreciation and write-downs630 | €73,264 | €81,911 | €95,020 | €116,265 | €119,884 | ▲ 3.1% |
| Operating cash flow (approximation) | €74,522 | €242,540 | €155,403 | €393,185 | €186,808 | ▼ 52.5% |
| Investment in fixed assets (approximation) | - | -€304,200 | -€70,916 | -€293,862 | -€283,258 | ▲ 3.6% |
| Change in cash | - | -€43,063 | €19,295 | €240,617 | -€64,097 | ▼ 127% |
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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2018net €276,920 ▲359%
Operating result €438,969, net result €276,920, both a record.
31-12
Financial
Equity above €500,000Eq €626,015 ▲79.3%
7 profitable years in a row build equity to €626,015.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
31-12
Financial
Equity above €200,000Eq €288,713 ▲125%
5 profitable years in a row build equity to €288,713.
28-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 120 days late
2021
16-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 108 days late
10-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 222 days late
2019
19-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 50 days late
2018
07-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
01-02
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 185 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
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, Kaprijke · 1 establishment unit since 2001
Ground area
1,537 m²
Building footprint
210 m²
Volume, LiDAR
1,321 m³
Parcel 43007B0546/00B000, Flanders · tallest building 11.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CLPA
since 20012.098.689.624
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43007B0546/00B000 | Flanders | 1,537 m² | 1 · 210 m² | 11.2 m · 2 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.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 6 entries · 3,175 EUR awarded · 3,175 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 861 EUR | 861 EUR |
| 2024 | 1 | 376 EUR | 376 EUR |
| 2023 | 2 | 1,341 EUR | 1,341 EUR |
| 2022 | 2 | 597 EUR | 597 EUR |
Recognitions · licences · registrations
Dual-learning approval
1 live approval · 2 endedMedewerker hout duaal (so)
Show 2 ended approvals
Machinaal houtbewerker (so)
Machinaal houtbewerker duaal (so)
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Of 20,025 companies in sector 43320 we hold annual accounts for 9,138. 5,240 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
Founded03-12-2001
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
43410Roofing work
E-invoicing
Reachable via Peppol
Peppol ID
0208:0476213877
Also
9925:BE0476213877
Registered
31-10-2023
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.