Jan Claes
ActiveJan Claes has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €8k and a net result of €14k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 45% of 27407 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
94
/ 100
Excellent▲ +78 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency78▲+45
Growth78▲+20
Stability100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.56 against 0.41 in 2024), but 56.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 · 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
43.1%
Return on assets
73.2%
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 14-07-2026, 17 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
17 d early
2024
35 d late
2023
30 d late
2022
28 d late
2021
16 d late
2020
60 d late
2019
87 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€8k
2024 · €-6k
2018: €4k
2019: €5k
2020: €12k
2021: €9k
2022: €-4k
2023: €-12k
2024: €-6k
2018 → 2025
Total assets
€19k▲ 52.0%
2024 · €13k
2018: €12k
2019: €18k
2020: €37k
2021: €31k
2022: €17k
2023: €14k
2024: €13k
2018 → 2025
Net result
€14k▲ 116%
2024 · €6k
2018: €240
2019: €1k
2020: €7k
2021: €-3k
2022: €-13k
2023: €-8k
2024: €6k
2018 → 2025
Working capital
€6k
2024 · €-11k
2018: €4k
2019: €2k
2020: €1k
2021: €4k
2022: €-10k
2023: €-17k
2024: €-11k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€9k-€-4k€-12k▼ 221%€-6k▲ 53.0%€8k
Operating result€-2k-€-13k▼ 454%€-8k▲ 38.5%€8k€16k▲ 111%
Net result€-3k-€-13k▼ 340%€-8k▲ 36.3%€6k€14k▲ 116%
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 111% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €19k
Fixed assets
€2k▼ 56.9%
Current assets
€17k▲ 125%
Equity and liabilities €19k
Equity
€8k
Debt
€11k
Debt finances 56.9% of the balance-sheet total.
Key figures and ratios
EBITDA
€19k▲
2024 · €12k
Cash flow
€17k▲
2024 · €10k
Solvency
43.1%▲
2024 · -45.7%
Current ratio
1.56▲
2024 · 0.41
Quick ratio
1.56▲
2024 · 0.41
Debt / equity
1.32▲
2024 · -3.19
ROE
169.7%▲
2024 · -112.6%
ROA
73.2%▲
2024 · 51.5%
Interest coverage
27.58▲
2024 · 11.48
Debt
€11k▼
2024 · €18k
Debt ≤ 1 year
€11k▼
2024 · €18k
Income taxes
€2k▲
2024 · €143
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€13k€19k▲
Fixed assets21/28€5k€2k▼
Tangible fixed assets22/27€5k€2k▼
Plant, machinery and equipment23€1k€1k▼
Furniture and vehicles24€4k€1k▼
Current assets29/58€8k€17k▲
Amounts receivable within one year40/41€2k€15k▲
Trade receivables40€2k€7k▲
Other amounts receivable41-€8k
Cash at bank and in hand54/58€4k€2k▼
Deferred charges and accrued income490/1€2k€0▼
Equity and liabilities
Total equity and liabilities10/49€13k€19k▲
Equity10/15€-6k€8k▲
Contributions10/11€12k€12k=
Profit (loss) carried forward14€-18k€-4k▲
Amounts payable17/49€18k€11k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€18k€11k▼
Current portion of amounts payable after more than one year42€1k€0▼
Trade debts44€7k€7k▲
Suppliers440/4€7k€7k▲
Taxes, remuneration and social security45€8k€3k▼
Taxes450/3€8k€3k▼
Other amounts payable47/48€3k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼
Other operating charges640/8€2k€742▼
Gross operating margin9900€13k€20k▲
Operating profit (loss)9901€8k€16k▲
Financial income75/76B-€234
Recurring financial income75-€234
Financial charges65/66B€1k€686▼
Recurring financial charges65€1k€686▼
Profit (loss) for the period before taxes9903€7k€16k▲
Income taxes67/77€143€2k▲
Profit (loss) for the period9904€6k€14k▲
Profit (loss) for the period to be appropriated9905€6k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-18k€-4k▲
Profit (loss) brought forward from the previous period14P€-25k€-18k▲
The notes to these accounts (7 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
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €14k ▲116%
Operating result €16k, net result €14k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 1.56
Current ratio from 0.41 to 1.56; short-term debt falls from €18k to €11k.
04-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 35 days late
2024
31-12
Financial
Back to profitnet €6k
Net result €6k after 3 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Weakest financial yearnet €-13k
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 60 days late
2020
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 87 days late
2019
06-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 6 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 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, Lier · 1 establishment unit since 2016
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.
Antwerpsesteenweg 382500 LierGround area
363 m²
Building footprint
195 m²
Volume, LiDAR
1,471 m³
Parcel 12392A0557/00Y007, Flanders · tallest building 11.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Jan Claes bvba
since 20162.258.330.937
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12392A0557/00Y007 | Flanders | 363 m² | 1 · 195 m² | 11.8 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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 318 EUR awarded · 384 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 66 EUR | 132 EUR |
| 2022 | 1 | 252 EUR | 252 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 602 companies in sector 43130 we hold annual accounts for 298. 116 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-11-2016
Fiscal year end31-12
Activities, NACEBEL
43130Specialised construction activities
71121Engineering and related technical consultancy, excluding land surveyors
85599Other education
90201Performing arts by independent artists
90021Arts creation and performing arts activities
90031Arts creation and performing arts activities
90111Literary creation
90391Promotion and organisation of arts and performing arts events
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.