LAURA CLAUSIER
ActiveLAURA CLAUSIER has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €15k and a net result of €35k. Equity is growing by ~23.9% per year across the filed fiscal years. Its solvency ranks better than 13% of 9430 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▼-7
Solvency31▼-56
Growth58▼-20
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.15 against 3.16 in 2024; short-term debt: 58.9% and cash: 23.4% of total assets), and 93.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 71
Relative position
BE, all sectors
reference
Sector 71
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
6.4%
Return on assets
14.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 9430 sector peers (2025).
NBB · sector comparisonPosition among 9430 sector peers
Solvency
better than 13%
← weakest
strongest →
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 11-05-2026, 81 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
81 d early
2024
93 d early
2023
69 d early
2022
102 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€15k▼ 70.4%
2024 · €50k
2022: €19k
2023: €34k
2024: €50k
2022 → 2025
Total assets
€233k▲ 188%
2024 · €81k
2022: €60k
2023: €72k
2024: €81k
2022 → 2025
Net result
€35k▲ 108%
2024 · €17k
2022: €16k
2023: €14k
2024: €17k
2022 → 2025
Working capital
€20k▼ 57.4%
2024 · €47k
2022: €20k
2023: €33k
2024: €47k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€19k-€34k▲ 73.2%€50k▲ 49.3%€15k▼ 70.4%
Operating result€23k-€21k▼ 7.4%€25k▲ 14.1%€46k▲ 87.8%
Net result€16k-€14k▼ 13.4%€17k▲ 16.6%€35k▲ 108%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 88% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €233k
Fixed assets
€75k▲ 549%
Current assets
€157k▲ 127%
Equity and liabilities €233k
Equity
€15k▼ 70.4%
Debt
€218k▲ 612%
The debt ratio rises from 37.8% to 93.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€52k▲
2024 · €27k
Cash flow
€40k▲
2024 · €19k
Solvency
6.4%▼
2024 · 62.2%
Current ratio
1.15▼
2024 · 3.16
Quick ratio
1.15▼
2024 · 3.16
Debt / equity
14.65▲
2024 · 0.61
ROE
232.3%▲
2024 · 33.0%
ROA
14.8%▼
2024 · 20.5%
Interest coverage
19.99▲
2024 · 14.44
Debt
€218k▲
2024 · €31k
Debt ≤ 1 year
€137k▲
2024 · €22k
Debt > 1 year
€63k
Income taxes
€9k▲
2024 · €6k
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€81k€233k▲
Fixed assets21/28€12k€75k▲
Intangible fixed assets21€2k€5k▲
Tangible fixed assets22/27€10k€71k▲
Plant, machinery and equipment23€0-
Furniture and vehicles24€10k€10k▲
Other tangible fixed assets26-€60k
Assets under construction and advance payments27-€900
Current assets29/58€69k€157k▲
Amounts receivable within one year40/41€8k€98k▲
Trade receivables40€6k€97k▲
Other amounts receivable41€2k€2k▼
Cash at bank and in hand54/58€56k€54k▼
Deferred charges and accrued income490/1€6k€4k▼
Equity and liabilities
Total equity and liabilities10/49€81k€233k▲
Equity10/15€50k€15k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€47k€12k▼
Amounts payable17/49€31k€218k▲
Amounts payable after more than one year17-€63k
Financial debts170/4-€63k
Amounts payable within one year42/48€22k€137k▲
Current portion of amounts payable after more than one year42-€6k
Trade debts44€11k€48k▲
Suppliers440/4€11k€48k▲
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€9k€21k▲
Taxes450/3€9k€21k▲
Other amounts payable47/48€3k€63k▲
Accrued charges and deferred income492/3€9k€18k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€6k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€28k€53k▲
Operating profit (loss)9901€25k€46k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€23k€43k▲
Income taxes67/77€6k€9k▲
Profit (loss) for the period9904€17k€35k▲
Profit (loss) for the period to be appropriated9905€17k€35k▲
Appropriation of the result
Profit (loss) to be appropriated9906€47k€82k▲
Profit (loss) brought forward from the previous period14P€31k€47k▲
Profit to be distributed694/7-€70k
Return on contributions (dividend)694-€70k
The notes to these accounts (12 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
11-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €35k ▲108%
Operating result €46k, net result €35k, both a record.
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €14k ▼13.4%
Net result drops to €14k, the lowest in the series; recovery starts the following year.
20-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Tournai · 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.
Boulevard Eisenhower(TOU) 2717500 TournaiGround area
3,021 m²
Building footprint
606 m²
Volume, LiDAR
4,230 m³
2 parcels, Wallonia · tallest building 12.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
LAURA CLAUSIER
since 20222.327.186.881
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57033C0055/00Z000 | Wallonia | 2,827 m² | 1 · 484 m² | 10.0 m · 2 fl. |
| 57462A0281/00E038 | Wallonia | 194 m² | 1 · 122 m² | 12.3 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 3,918 companies in sector 71112 we hold annual accounts for 1,295. 881 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-01-2022
Fiscal year end31-12
Activities, NACEBEL
71112Activities of interior architects
46471Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.