CLT WOODSYSTEM
ActiveCLT WOODSYSTEM has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €345k and a net result of €40k. Equity is growing by ~13.5% per year across the filed fiscal years. Its solvency ranks better than 68% of 11209 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+17
Solvency89▼-5
Growth51▲+12
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 3.55 against 3.05 in 2024; short-term debt: 27.1% and cash: 71.9% of total assets), and 35.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
64.5%
Return on assets
7.5%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
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
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
28 d late
2023
134 d late
2022
27 d early
2021
102 d late
2020
31 d late
2019
30 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€455k▲ 106%
2024 · €221k
2018: €333k
2023: €387k
2024: €221k
2018 → 2025
EBIT margin
12.7%▲ 5.1pp
2024 · 7.6%
2018: 30.1%
2023: 31.6%
2024: 7.6%
2018 → 2025
Net result
€40k▲ 297%
2024 · €10k
2018: €77k
2019: €10k
2020: €44k
2021: €48k
2022: €44k
2023: €86k
2024: €10k
2018 → 2025
Working capital
€369k▲ 30.2%
2024 · €283k
2018: €360k
2019: €110k
2020: €138k
2021: €198k
2022: €294k
2023: €323k
2024: €283k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€387k€221k▼ 42.9%€455k▲ 106%
Equity€230k-€275k▲ 19.3%€350k▲ 27.6%€315k▼ 10.1%€345k▲ 9.5%
Operating result€71k-€69k▼ 3.2%€122k▲ 78.2%€17k▼ 86.2%€58k▲ 243%
Net result€48k-€44k▼ 7.7%€86k▲ 93.4%€10k▼ 88.2%€40k▲ 297%
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 243% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €535k
Fixed assets
€22k▼ 31.8%
Current assets
€513k▲ 21.8%
Equity and liabilities €535k
Equity
€345k▲ 9.5%
Debt
€190k▲ 37.5%
The debt ratio rises from 30.5% to 35.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€68k▲
2024 · €34k
Cash flow
€50k▲
2024 · €27k
Solvency
64.5%▼
2024 · 69.5%
Current ratio
3.55▲
2024 · 3.05
Quick ratio
3.55▲
2024 · 3.05
Debt / equity
0.55▲
2024 · 0.44
ROE
11.6%▲
2024 · 3.2%
ROA
7.5%▲
2024 · 2.2%
Interest coverage
1467.45
Debt
€190k▲
2024 · €138k
Debt ≤ 1 year
€145k▲
2024 · €138k
Income taxes
€21k▲
2024 · €8k
Staff costs
€66▲
2024 · €49
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€453k€535k▲
Fixed assets21/28€32k€22k▼
Tangible fixed assets22/27€32k€22k▼
Plant, machinery and equipment23€385€155▼
Furniture and vehicles24€31k€21k▼
Current assets29/58€421k€513k▲
Amounts receivable within one year40/41€181k€120k▼
Trade receivables40€168k€102k▼
Other amounts receivable41€12k€18k▲
Cash at bank and in hand54/58€234k€385k▲
Deferred charges and accrued income490/1€7k€8k▲
Equity and liabilities
Total equity and liabilities10/49€453k€535k▲
Equity10/15€315k€345k▲
Contributions10/11€12k€12k=
Reserves13€144k€154k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€142k€152k▲
Profit (loss) carried forward14€158k€178k▲
Amounts payable17/49€138k€190k▲
Amounts payable within one year42/48€138k€145k▲
Trade debts44€44k€44k▼
Suppliers440/4€44k€44k▼
Taxes, remuneration and social security45€739€1k▲
Taxes450/3€739€1k▲
Other amounts payable47/48€93k€99k▲
Accrued charges and deferred income492/3€0€45k▲
Income statement
Code20242025
Turnover70€221k€455k▲
Goods, raw materials, services and sundry goods60/61€189k€389k▲
Remuneration, social security and pensions62€49€66▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€10k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€36k€69k▲
Operating profit (loss)9901€17k€58k▲
Financial income75/76B€1k€3k▲
Recurring financial income75€1k€3k▲
Financial charges65/66B-€46
Recurring financial charges65-€46
Profit (loss) for the period before taxes9903€18k€61k▲
Income taxes67/77€8k€21k▲
Profit (loss) for the period9904€10k€40k▲
Profit (loss) for the period to be appropriated9905€10k€40k▲
Appropriation of the result
Profit (loss) to be appropriated9906€168k€198k▲
Profit (loss) brought forward from the previous period14P€158k€158k▲
Transfer from equity791/2€10k€10k=
Transfer to equity691/2€10k€20k▲
To the legal reserve6920€10k€20k▲
Profit to be distributed694/7€10k€10k=
Return on contributions (dividend)694€10k€10k=
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Weakest financial yearnet €10k ▼88.2%
Net result drops to €10k, the lowest in the series; recovery starts the following year.
12-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 134 days late
2023
31-12
Financial
Highest result since 2018net €86k ▲93.4%
Operating result €122k, net result €86k, both a record.
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
10-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 102 days late
2021
31-12
Financial
Equity above €200kEq €230k ▲26.4%
4 profitable years in a row build equity to €230k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Equity above €150kEq €182k ▲31.4%
3 profitable years in a row build equity to €182k.
30-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 30 days late
2019
27-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 58 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Liège · 1 establishment unit since 2014
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.
Quai des Tanneurs 44020 LiègeGround area
313 m²
Building footprint
85 m²
Volume, LiDAR
1,653 m³
Parcel 62808A0329/00B000, Wallonia · tallest building 20.7 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
CLT WOODSYSTEM
since 20142.230.658.718
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62808A0329/00B000 | Wallonia | 313 m² | 1 · 85 m² | 20.7 m · 7 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
NEUTELEERS
BE 0827.535.704
Lommel · Eq €344k
Harten
BE 0466.680.559
Tervuren · Eq €343k
DEKIERE CHRISTOPHE
BE 0469.565.815
Harelbeke · Eq €342k
ABRASIVE TRADING INVEST
BE 0879.856.514
Estaimpuis · Eq €353k
PLUS WOOD
BE 0882.157.293
Charleroi · Eq €358k
Of 858 companies in sector 46832 we hold annual accounts for 588. 430 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-03-2014
Fiscal year end31-12
Activities, NACEBEL
46832Wholesale of timber
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.