FABIO DE CLERCQ
ActiveSummary
FABIO DE CLERCQ has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.71M and a net result of €268k. Equity is growing by ~9.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
94
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78=
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €340k at 30 days acceptable
short-term debt: 0.7% and cash: 68.7% of total assets, and 0.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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
99.3%
Return on assets
7.2%
Age of the figures
17 mo
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 · Latest accounts filed on time
The financial year that closed on 30-04-2025 was due by 30-11-2025 and was filed on 16-10-2025, 45 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
45 d early
2024
50 d early
2023
44 d early
2022
31 d early
2021
46 d early
2020
28 d early
2019
31 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-04-2026 and is due by 30-11-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-04-2026 close24-09-2026 today30-11-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€3.71M▲ 7.8%
2024 · €3.44M
2019: €2.01M
2020: €2.31M
2021: €2.91M
2022: €3.04M
2023: €3.17M
2024: €3.44M
2019 → 2025
Total assets
€3.73M▲ 7.6%
2024 · €3.47M
2019: €2.49M
2020: €2.74M
2021: €2.94M
2022: €3.07M
2023: €3.19M
2024: €3.47M
2019 → 2025
Net result
€268k▼ 0.3%
2024 · €269k
2019: €334k
2020: €298k
2021: €606k
2022: €131k
2023: €123k
2024: €269k
2019 → 2025
Working capital
€3.49M▲ 8.7%
2024 · €3.21M
2019: €1.74M
2020: €2.05M
2021: €2.65M
2022: €2.80M
2023: €2.93M
2024: €3.21M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.91M-€3.04M▲ 4.5%€3.17M▲ 4.1%€3.44M▲ 8.5%€3.71M▲ 7.8%
Operating result€822k-€200k▼ 75.6%€214k▲ 6.8%€285k▲ 33.2%€322k▲ 13.1%
Net result€606k-€131k▼ 78.4%€123k▼ 5.7%€269k▲ 118%€268k▼ 0.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 13% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.73M
Fixed assets
€212k ▼ 5.5%
Current assets
€3.52M ▲ 8.5%
Equity and liabilities €3.73M
Equity
€3.71M ▲ 7.8%
Debt
€27k ▼ 15.5%
Debt's share of the balance-sheet total falls from 0.9% to 0.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€335k▲
2024 · €297k
Cash flow
€281k▼
2024 · €282k
Debt to equity
0.01▼
2024 · 0.01
ROE
7.2%▼
2024 · 7.8%
ROA
7.2%▼
2024 · 7.8%
Interest coverage
1735.18▲
2024 · 1542.52
Debt ≤ 1 year
€25k▼
2024 · €30k
Income taxes
€103k▲
2024 · €98k
A ratio outside any meaningful range has been withheld (balance sheet total €3.73M, equity €3.71M).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€3.47M€3.73M▲
Fixed assets21/28€224k€212k▼
Tangible fixed assets22/27€224k€212k▼
Land and buildings22€224k€212k▼
Current assets29/58€3.24M€3.52M▲
Amounts receivable within one year40/41€447€86▼
Other amounts receivable41€447€86▼
Current investments50/53€942k€957k▲
Cash at bank and in hand54/58€2.30M€2.56M▲
Equity and liabilities
Total equity and liabilities10/49€3.47M€3.73M▲
Equity10/15€3.44M€3.71M▲
Contributions10/11€30k€30k=
Reserves13€603k€753k▲
Non-distributable reserves130/1€3k€753k▲
Reserves not available under the articles1311€3k€3k=
Other1319-€750k
Distributable reserves133€600k-
Profit (loss) carried forward14€2.80M€2.92M▲
Amounts payable17/49€32k€27k▼
Amounts payable within one year42/48€30k€25k▼
Trade debts44€1k€6k▲
Suppliers440/4€1k€6k▲
Taxes, remuneration and social security45€25k€15k▼
Taxes450/3€25k€15k▼
Other amounts payable47/48€4k€4k=
Accrued charges and deferred income492/3€2k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k=
Other operating charges640/8€5k€5k▲
Gross operating margin9900€302k€340k▲
Operating profit (loss)9901€285k€322k▲
Financial income75/76B€82k€49k▼
Recurring financial income75€82k€49k▼
Financial charges65/66B€193€193▲
Recurring financial charges65€193€193▲
Profit (loss) for the period before taxes9903€367k€371k▲
Income taxes67/77€98k€103k▲
Profit (loss) for the period9904€269k€268k▼
Profit (loss) for the period to be appropriated9905€269k€268k▼
Appropriation of the result
Profit (loss) to be appropriated9906€2.90M€3.07M▲
Profit (loss) brought forward from the previous period14P€2.63M€2.80M▲
Transfer to equity691/2€100k€150k▲
To other reserves6921€100k€150k▲
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
2025
16-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
11-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
17-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-04
Financial
Weakest financial yearnet €123k ▼5.7%
Net result drops to €123k, the lowest in the series; recovery starts the following year.
2022
30-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
15-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-04
Financial
Highest result since 2019net €606k ▲103%
Operating result €822k, net result €606k, both a record.
30-04
Financial
Liquidity times 16current ratio 94.45
Current ratio from 5.90 to 94.45; short-term debt falls from €418k to €28k.
2020
02-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
01-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
02-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
25-10
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
4 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, Opwijk
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.
Perreveld 821745 OpwijkGround area
2,248 m²
Building footprint
276 m²
Volume, LiDAR
1,449 m³
Parcel 23752G0125/00D000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23752G0125/00D000 | Flanders | 2,248 m² | 1 · 276 m² | 8.9 m · 2 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
9845007IBE0R8E4AL369
Similar companies · same sector, comparable size
PATRICE SCHUMESCH
BE 0898.901.671
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BE 0878.521.080
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Christel Weymeersch
BE 0875.221.793
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RisasoN
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SONIAN AUDIT
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Of 944 companies in sector 69203 we hold annual accounts for 659. 253 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-05-2007
Fiscal year end30-04
Activities, NACEBEL 2025
69203Activities of company auditors
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.