DE CLEIR
ActiveDE CLEIR has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €316k and a net result of €320. Equity is growing by ~8.6% per year across the filed fiscal years. Its solvency ranks better than 49% of 27446 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
79
/ 100
Excellent▼ -15 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability1▼-99
Solvency91▲+12
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 3.24 against 2.05 in 2024), but 54.1% 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+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
Sector 43
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
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
45.9%
Return on assets
0%
Age of the figures
9 mo
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
21 d early
2023
30 d late
2022
86 d late
2021
16 d late
2020
23 d late
2019
54 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€316k▲ 0.1%
2024 · €316k
2018: €179k
2019: €189k
2020: €212k
2021: €155k
2022: €199k
2023: €214k
2024: €316k
2018 → 2025
Total assets
€688k▼ 21.9%
2024 · €881k
2018: €346k
2019: €275k
2020: €330k
2021: €269k
2022: €315k
2023: €326k
2024: €881k
2018 → 2025
Net result
€320▼ 99.7%
2024 · €124k
2018: €20k
2019: €10k
2020: €23k
2021: €-57k
2022: €44k
2023: €15k
2024: €124k
2018 → 2025
Working capital
€218k▼ 16.8%
2024 · €262k
2018: €130k
2019: €128k
2020: €162k
2021: €125k
2022: €167k
2023: €184k
2024: €262k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€155k-€199k▲ 28.4%€214k▲ 7.5%€316k▲ 47.5%€316k▲ 0.1%
Operating result€-55k-€45k€24k▼ 46.6%€127k▲ 428%€17k▼ 86.8%
Net result€-57k-€44k€15k▼ 66.0%€124k▲ 728%€320▼ 99.7%
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 87% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €688k
Fixed assets
€373k▲ 0.8%
Current assets
€316k▼ 38.3%
Equity and liabilities €688k
Equity
€316k▲ 0.1%
Provisions
€21k▼ 5.2%
Debt
€351k▼ 35.4%
The debt ratio falls from 61.7% to 51.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€56k▼
2024 · €154k
Cash flow
€39k▼
2024 · €151k
Solvency
45.9%▲
2024 · 35.8%
Current ratio
3.24▲
2024 · 2.05
Quick ratio
3.24▲
2024 · 2.05
Debt / equity
1.11▼
2024 · 1.72
ROE
0.1%▼
2024 · 39.3%
ROA
0.0%▼
2024 · 14.1%
Interest coverage
3.34▼
2024 · 17.63
Debt
€351k▼
2024 · €544k
Debt ≤ 1 year
€98k▼
2024 · €250k
Debt > 1 year
€254k▼
2024 · €294k
Income taxes
€2k▲
2024 · €1k
Staff costs
€134k▼
2024 · €222k
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€881k€688k▼
Fixed assets21/28€370k€373k▲
Tangible fixed assets22/27€368k€371k▲
Land and buildings22€269k€297k▲
Plant, machinery and equipment23€3k€4k▲
Furniture and vehicles24€76k€61k▼
Leasing and similar rights25€20k€9k▼
Financial fixed assets28€1k€1k=
Current assets29/58€512k€316k▼
Amounts receivable after more than one year29€0-
Other amounts receivable291€0-
Amounts receivable within one year40/41€322k€105k▼
Trade receivables40€211k€28k▼
Other amounts receivable41€111k€76k▼
Cash at bank and in hand54/58€187k€102k▼
Deferred charges and accrued income490/1€3k€110k▲
Equity and liabilities
Total equity and liabilities10/49€881k€688k▼
Equity10/15€316k€316k▲
Contributions10/11€19k€19k=
Reserves13€133k€134k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€88k€83k▼
Distributable reserves133€44k€49k▲
Profit (loss) carried forward14€164k€164k▲
Provisions and deferred taxes16€22k€21k▼
Deferred taxes168€22k€21k▼
Amounts payable17/49€544k€351k▼
Amounts payable after more than one year17€294k€254k▼
Financial debts170/4€294k€254k▼
Amounts payable within one year42/48€250k€98k▼
Current portion of amounts payable after more than one year42€31k€31k▼
Trade debts44€209k€35k▼
Suppliers440/4€209k€35k▼
Taxes, remuneration and social security45€9k€5k▼
Taxes450/3€4k€3k▼
Remuneration and social security454/9€5k€3k▼
Other amounts payable47/48-€27k
Accrued charges and deferred income492/3-€411
Income statement
Code20242025
Non-recurring operating income76A€114k€48k▼
Remuneration, social security and pensions62€222k€134k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€39k▲
Other operating charges640/8€6k€2k▼
Non-recurring operating charges66A-€404
Gross operating margin9900€382k€192k▼
Operating profit (loss)9901€127k€17k▼
Financial income75/76B€6k€1k▼
Recurring financial income75€6k€1k▼
Financial charges65/66B€9k€17k▲
Recurring financial charges65€9k€17k▲
Profit (loss) for the period before taxes9903€125k€1k▼
Transfer from deferred taxes780€677€1k▲
Income taxes67/77€1k€2k▲
Profit (loss) for the period9904€124k€320▼
Transfer from tax-exempt reserves789€3k€5k▲
Profit (loss) for the period to be appropriated9905€127k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€290k€168k▼
Profit (loss) brought forward from the previous period14P€164k€164k=
Transfer to equity691/2€127k€5k▼
To other reserves6921€127k€5k▼
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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €124k ▲728%
Operating result €127k, net result €124k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Equity above €200kEq €214k ▲7.5%
2 profitable years in a row build equity to €214k.
25-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 86 days late
2022
31-12
Financial
Back to profitnet €44k
Net result €44k after one loss-making year.
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
31-12
Financial
Weakest financial yearnet €-57k ▼347%
Net result drops to €-57k, the lowest in the series; recovery starts the following year.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
31-12
Financial
Equity above €200kEq €212k ▲12.2%
3 profitable years in a row build equity to €212k.
23-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 54 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 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
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, Erpe-Mere · 1 establishment unit since 2008
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.
Oude Broekstraat 169420 Erpe-MereGround area
517 m²
Building footprint
134 m²
Volume, LiDAR
1,055 m³
Parcel 41040C0406/00D000, Flanders · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
DE CLEIR BVBA
since 20082.175.523.720
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41040C0406/00D000 | Flanders | 517 m² | 1 · 134 m² | 11.6 m · 3 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
SCHILDERWERKEN MAES
BE 0423.280.383
Izegem · Eq €316k
Indecobat
BE 0415.927.585
Liège · Eq €316k
PIETER DEROO
BE 0888.976.789
Roeselare · Eq €315k
A.S.M.S.
BE 0474.886.462
Antwerpen · Eq €315k
DE MEYST DECOR
BE 0760.527.609
Dendermonde · Eq €318k
Of 7,866 companies in sector 43341 we hold annual accounts for 2,664. 1,798 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-12-2008
Fiscal year end31-12
Activities, NACEBEL
43341Painting of buildings
43333Wallpapering and laying of floor and wall coverings in other materials
43421Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 17 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.