Francis Claudio
ActiveFrancis Claudio has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €110k and a net result of €17k. Equity is growing by ~40.9% per year across the filed fiscal years. Its solvency ranks better than 90% of 9517 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability72▼-28
Solvency100▲+5
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 9.95 against 3.61 in 2023; short-term debt: 10% and cash: 19.6% of total assets), and 10% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-06-2025, 32 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
32 d early
2023
26 d late
2022
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€110k▲ 18.0%
2023 · €93k
2022: €34k
2023: €93k
2022 → 2024
Total assets
€122k▼ 7.9%
2023 · €133k
2022: €63k
2023: €133k
2022 → 2024
Net result
€17k▼ 71.8%
2023 · €59k
2022: €32k
2023: €59k
2022 → 2024
Working capital
€110k▲ 14.6%
2023 · €96k
2022: €43k
2023: €96k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€34k-€93k▲ 176%€110k▲ 18.0%
Operating result€40k-€74k▲ 82.8%€21k▼ 71.0%
Net result€32k-€59k▲ 83.9%€17k▼ 71.8%
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 2024; 2024 is 71% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €122k
Equity
€110k▲ 18.0%
Debt
€12k▼ 68.9%
The debt ratio falls from 29.8% to 10.0%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
90.0%▲
2023 · 70.2%
Current ratio
9.95▲
2023 · 3.61
Quick ratio
9.95▲
2023 · 3.61
Debt / equity
0.11▼
2023 · 0.42
ROE
15.2%▼
2023 · 63.7%
ROA
13.7%▼
2023 · 44.8%
Debt
€12k▼
2023 · €40k
Debt ≤ 1 year
€12k▼
2023 · €37k
Income taxes
€4k▼
2023 · €15k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€133k€122k▼
Current assets29/58€133k€122k▼
Amounts receivable after more than one year29-€83k
Other amounts receivable291-€83k
Amounts receivable within one year40/41€94k€15k▼
Trade receivables40€23k€14k▼
Other amounts receivable41€71k€1k▼
Cash at bank and in hand54/58€39k€24k▼
Equity and liabilities
Total equity and liabilities10/49€133k€122k▼
Equity10/15€93k€110k▲
Contributions10/11€2k€2k=
Reserves13€92k€109k▲
Distributable reserves133€92k€109k▲
Amounts payable17/49€40k€12k▼
Amounts payable after more than one year17€3k-
Financial debts170/4€3k-
Amounts payable within one year42/48€37k€12k▼
Current portion of amounts payable after more than one year42€6k€3k▼
Trade debts44€11k€559▼
Suppliers440/4€11k€559▼
Taxes, remuneration and social security45€20k€8k▼
Taxes450/3€20k€8k▼
Income statement
Code20232024
Other operating charges640/8€313€274▼
Gross operating margin9900€74k€22k▼
Operating profit (loss)9901€74k€21k▼
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€74k€21k▼
Income taxes67/77€15k€4k▼
Profit (loss) for the period9904€59k€17k▼
Profit (loss) for the period to be appropriated9905€59k€17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€59k€17k▼
Transfer to equity691/2€59k€17k▼
To other reserves6921€59k€17k▼
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €17k ▼71.8%
Net result drops to €17k, the lowest in the series.
31-12
Financial
Liquidity triplescurrent ratio 9.95
Current ratio from 3.61 to 9.95; short-term debt falls from €37k to €12k.
31-12
Financial
Equity above €100kEq €110k ▲18%
3 profitable years in a row build equity to €110k.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Highest result since 2022net €59k ▲83.9%
Operating result €74k, net result €59k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Antwerpen · 1 establishment unit since 2022
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.
Anna Bijnsstraat 312600 AntwerpenGround area
123 m²
Building footprint
71 m²
Volume, LiDAR
767 m³
Parcel 11303C0164/00V004, Flanders · tallest building 13.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Francis Claudio
since 20222.326.681.887
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11303C0164/00V004 | Flanders | 123 m² | 1 · 70 m² | 13.3 m · 4 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 296 EUR awarded · 296 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 296 EUR | 296 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,503 companies in sector 82990 we hold annual accounts for 9,402. 7,185 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-01-2022
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.