CLYVANTO
ActiveCLYVANTO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €2.82M and a net result of €301k. Equity remains stable across the filed fiscal years (±1.5% per year). Its solvency ranks better than 92% of 5491 sector peers (fiscal year 2025). The company has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-04-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
15 d late
2023
7 d early
2022
5 d early
2021
1 d early
2020
26 d late
2019
27 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
13-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.82M▲ 12.0%
2024 · €2.52M
2018: €3.73M
2019: €3.71M
2020: €3.83M
2021: €3.80M
2022: €3.72M
2023: €3.68M
2024: €2.52M
2018 → 2025
Net result
€301k▲ 2,195%
2024 · €13k
2018: €1.18M
2019: €-19k
2020: €120k
2021: €-34k
2022: €-82k
2023: €110k
2024: €13k
2018 → 2025
Total assets
€2.92M▼ 24.0%
2024 · €3.84M
2018: €4.06M
2019: €3.90M
2020: €3.88M
2021: €3.81M
2022: €3.79M
2023: €3.93M
2024: €3.84M
2018 → 2025
Solvency
96.6%▲ 31.1pp
2024 · 65.6%
2018: 91.8%
2019: 95.1%
2020: 98.9%
2021: 99.7%
2022: 98.1%
2023: 93.7%
2024: 65.6%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3.80M-€3.72M▼ 2.1%€3.68M▼ 1.0%€2.52M▼ 31.6%€2.82M▲ 12.0%
Operating result€-28k-€-104k▼ 271%€132k€-13k€397k
Net result€-34k-€-82k▼ 138%€110k€13k▼ 88.1%€301k▲ 2,195%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €397k after a loss of €13k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.92M
Fixed assets
€1.22M▲ 0.7%
Current assets
€1.70M▼ 35.4%
Equity and liabilities €2.92M
Equity
€2.82M▲ 12.0%
Debt
€99k▼ 92.5%
The debt ratio falls from 34.4% to 3.4%: equity grows while debt is paid down.
Key figures and ratios
Solvency
96.6%▲
2024 · 65.6%
ROE
10.7%▲
2024 · 0.5%
ROA
10.3%▲
2024 · 0.3%
Debt
€99k▼
2024 · €1.32M
Debt ≤ 1 year
€99k▼
2024 · €1.32M
Income taxes
€146k▲
2024 · €2k
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€3.84M€2.92M▼
Fixed assets21/28€1.21M€1.22M▲
Tangible fixed assets22/27€13k€21k▲
Plant, machinery and equipment23€3k€10k▲
Furniture and vehicles24€10k€12k▲
Financial fixed assets28€1.20M€1.20M=
Current assets29/58€2.63M€1.70M▼
Amounts receivable within one year40/41€168k€379k▲
Trade receivables40€135k€0▼
Other amounts receivable41€33k€379k▲
Current investments50/53€1.97M€397k▼
Cash at bank and in hand54/58€495k€924k▲
Deferred charges and accrued income490/1€48€0▼
Equity and liabilities
Total equity and liabilities10/49€3.84M€2.92M▼
Equity10/15€2.52M€2.82M▲
Contributions10/11€21k€21k=
Reserves13€470k€772k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€468k€770k▲
Profit (loss) carried forward14€2.03M€2.03M=
Amounts payable17/49€1.32M€99k▼
Amounts payable within one year42/48€1.32M€99k▼
Trade debts44€6k€6k▲
Suppliers440/4€6k€6k▲
Taxes, remuneration and social security45€9k€93k▲
Taxes450/3€9k€93k▲
Other amounts payable47/48€1.30M€0▼
Accrued charges and deferred income492/3€7k€42▼
Income statement
Code20242025
Non-recurring operating income76A€50k€442k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€5k▲
Other operating charges640/8€4k€305▼
Gross operating margin9900€-6k€402k▲
Operating profit (loss)9901€-13k€397k▲
Financial income75/76B€35k€50k▲
Recurring financial income75€35k€50k▲
Financial charges65/66B€7k€212▼
Recurring financial charges65€7k€212▼
Profit (loss) for the period before taxes9903€15k€447k▲
Income taxes67/77€2k€146k▲
Profit (loss) for the period9904€13k€301k▲
Profit (loss) for the period to be appropriated9905€13k€301k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2.04M€2.33M▲
Profit (loss) brought forward from the previous period14P€2.03M€2.03M=
Transfer from equity791/2€1.18M€0▼
Transfer to equity691/2€13k€301k▲
To other reserves6921€13k€301k▲
Profit to be distributed694/7€1.18M€0▼
Return on contributions (dividend)694€1.18M€0▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (17 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
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Liquidity times 9current ratio 17.21
Current ratio from 2.00 to 17.21; short-term debt falls from €1.32M to €99k.
15-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 15 days late
2024
23-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Back to profitnet €110k
Net result €110k after 2 loss-making years.
25-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
Financial
Weakest financial yearnet €-82k
Net result drops to €-82k, the lowest in the series; recovery starts the following year.
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Liquidity quadruplescurrent ratio 255.19
Current ratio from 57.42 to 255.19; short-term debt falls from €45k to €10k.
26-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 26 days late
2020
30-09
Financial
Back to profitnet €120k
Net result €120k after one loss-making year.
30-09
Financial
Liquidity times 5current ratio 57.42
Current ratio from 12.22 to 57.42; short-term debt falls from €190k to €45k.
27-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 27 days late
2019
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
23-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
11-04
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
1 director, no change since 2023
Filip Vanlerberghe
CurrentDirector · since 12-12-2023
12-12-2023
Resigned as Manager
12-12-2023
Appointed as Director
Location & real-estate footprint
Registered office, Ingelmunster · 1 establishment unit since 1997
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.
Bollewerpstraat 1338770 IngelmunsterGround area
1,451 m²
Building footprint
169 m²
Volume, LiDAR
785 m³
Parcel 36007B0688/00T000, Flanders · tallest building 7.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Bollewerpstraat 133, 8770 Ingelmunster
since 19972.084.718.456
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36007B0688/00T000 | Flanders | 1,451 m² | 1 · 169 m² | 7.2 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.
Recognitions · licences · registrations
Legal Entity Identifier
875500RL112NRW6WUX24
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Of 24,640 companies in sector 64210 we hold annual accounts for 19,693. 9,841 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-09-1997
Fiscal year end30-09
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
68110Buying and selling of own real estate
70120
70322
81100Combined facilities support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.