F.C.M. CLARINVAL
ActiveF.C.M. CLARINVAL has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €351k and a net result of €16k. Equity is growing by ~2.9% per year across the filed fiscal years. Its solvency ranks better than 53% of 670 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
84
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability33▲+11
Solvency78▲+4
Growth69▲+14
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity tight (current ratio 1.28 against 1.29 in 2024), and 50.8% 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 · 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 25
Relative position
BE, all sectors
reference
Sector 25
higher
← fewer bankruptcies
more bankruptcies →
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
49.2%
Return on assets
2.3%
Age of the figures
8 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 09-06-2026, 52 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
52 d early
2024
79 d early
2023
71 d early
2022
46 d early
2021
69 d early
2020
54 d early
2019
18 d early
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€1.24M▲ 3.4%
2024 · €1.20M
2023: €1.11M
2024: €1.20M
2023 → 2025
EBIT margin
2.5%▲ 1.6pp
2024 · 0.9%
2023: 2.6%
2024: 0.9%
2023 → 2025
Net result
€16k▲ 500%
2024 · €3k
2018: €10k
2019: €17k
2020: €9k
2021: €6k
2022: €1k
2023: €23k
2024: €3k
2018 → 2025
Working capital
€85k▲ 4.8%
2024 · €81k
2018: €71k
2019: €109k
2020: €158k
2021: €97k
2022: €59k
2023: €-48k
2024: €81k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€1.11M€1.20M▲ 7.9%€1.24M▲ 3.4%
Equity€302k-€299k▼ 1.0%€322k▲ 7.7%€336k▲ 4.2%€351k▲ 4.5%
Operating result€6k-€15▼ 99.8%€29k▲ 194,315%€11k▼ 61.4%€31k▲ 175%
Net result€6k-€1k▼ 76.5%€23k▲ 1,471%€3k▼ 88.1%€16k▲ 500%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 175% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €713k
Fixed assets
€328k▼ 15.3%
Current assets
€385k▲ 6.3%
Equity and liabilities €713k
Equity
€351k▲ 4.5%
Debt
€362k▼ 12.5%
The debt ratio falls from 55.2% to 50.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€110k▲
2024 · €85k
Cash flow
€96k▲
2024 · €77k
Solvency
49.2%▲
2024 · 44.8%
Current ratio
1.28▼
2024 · 1.29
Quick ratio
1.28▼
2024 · 1.29
Debt / equity
1.03▼
2024 · 1.23
ROE
4.7%▲
2024 · 0.8%
ROA
2.3%▲
2024 · 0.4%
Interest coverage
23.57▲
2024 · 15.62
Debt
€362k▼
2024 · €414k
Debt ≤ 1 year
€300k▲
2024 · €282k
Debt > 1 year
€62k▼
2024 · €132k
Income taxes
€11k▲
2024 · €4k
Staff costs
€902k▲
2024 · €888k
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€750k€713k▼
Fixed assets21/28€388k€328k▼
Tangible fixed assets22/27€387k€328k▼
Land and buildings22€162k€144k▼
Plant, machinery and equipment23€195k€159k▼
Furniture and vehicles24€30k€24k▼
Financial fixed assets28€455€455=
Current assets29/58€362k€385k▲
Amounts receivable within one year40/41€229k€284k▲
Trade receivables40€208k€265k▲
Other amounts receivable41€21k€20k▼
Current investments50/53€55k€59k▲
Cash at bank and in hand54/58€78k€42k▼
Deferred charges and accrued income490/1€138€124▼
Equity and liabilities
Total equity and liabilities10/49€750k€713k▼
Equity10/15€336k€351k▲
Contributions10/11€30k€30k=
Reserves13€292k€295k▲
Non-distributable reserves130/1€64k€64k=
Reserves not available under the articles1311€64k€64k=
Tax-exempt reserves132€95k€95k=
Distributable reserves133€133k€136k▲
Profit (loss) carried forward14€3k€16k▲
Investment grants15€11k€10k▼
Amounts payable17/49€414k€362k▼
Amounts payable after more than one year17€132k€62k▼
Financial debts170/4€132k€62k▼
Amounts payable within one year42/48€282k€300k▲
Current portion of amounts payable after more than one year42€69k€71k▲
Trade debts44€64k€68k▲
Suppliers440/4€64k€68k▲
Taxes, remuneration and social security45€148k€162k▲
Taxes450/3€30k€42k▲
Remuneration and social security454/9€118k€120k▲
Accrued charges and deferred income492/3€64€8▼
Income statement
Code20242025
Turnover70€1.20M€1.24M▲
Non-recurring operating income76A€4k-
Goods, raw materials, services and sundry goods60/61€204k€203k▼
Remuneration, social security and pensions62€888k€902k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€74k€79k▲
Other operating charges640/8€21k€19k▼
Non-recurring operating charges66A€1k€2k▲
Gross operating margin9900€995k€1.03M▲
Operating profit (loss)9901€11k€31k▲
Financial income75/76B€1k€1k▼
Recurring financial income75€1k€1k▼
Financial charges65/66B€5k€5k▼
Recurring financial charges65€5k€5k▼
Profit (loss) for the period before taxes9903€7k€27k▲
Income taxes67/77€4k€11k▲
Profit (loss) for the period9904€3k€16k▲
Profit (loss) for the period to be appropriated9905€3k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€26k€19k▼
Profit (loss) brought forward from the previous period14P€23k€3k▼
Transfer to equity691/2€23k€3k▼
To other reserves6921€23k€3k▼
Social balance
Average headcount (FTE)908714.915.3▲
The notes to these accounts (9 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
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
13-05
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
21-05
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Highest result since 2018net €23k ▲1471%
Net result €23k, the highest in the series.
15-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Weakest financial yearnet €1k ▼76.5%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
23-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
07-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
17-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
31-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
09-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Bièvre · 1 establishment unit since 1994
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.
Rue Alphonse Lepage,Oizy 45555 BièvreGround area
5,988 m²
Building footprint
2,949 m²
Parcel 91352A0066/00B004, Wallonia. Linked by address, not a title deed.
1 establishment unit
F.C.M. CLARINVAL
since 19942.067.105.236
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91352A0066/00B004 | Wallonia | 5,988 m² | 1 · 2,949 m² | - |
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
MVM Assistance
BE 0667.959.123
Maldegem · Eq €351k
Vanbesien
BE 0891.792.363
Zuienkerke · Eq €353k
GEODE
BE 0820.314.053
Crisnée · Eq €349k
ALL IN METAALCONSTRUCTIE
BE 0829.510.346
Sint-Niklaas · Eq €349k
Verschaeren Construct
BE 0775.282.792
Putte · Eq €349k
Of 3,964 companies in sector 25110 we hold annual accounts for 2,133. 1,613 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-04-1994
Fiscal year end31-12
Activities, NACEBEL
25110Manufacture of metal structures and parts of structures
25120Manufacture of fabricated metal products, except machinery and equipment
28110
28120
Sources
Crossroads Bank for EnterprisesNational Bank · 32 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.