PRAET - CLAEYS
ActivePRAET - CLAEYS has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.50M and a net result of €284k. Equity is growing by ~5.5% per year across the filed fiscal years. Its solvency ranks better than 88% of 7778 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▲+10
Solvency100=
Growth60=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €120k at 30 days acceptable
Liquidity ample (current ratio 5.07 against 12.27 in 2024; short-term debt: 18.6% and cash: 45.6% of total assets), and 18.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 · 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
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
81.1%
Return on assets
15.4%
Age of the figures
13 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-08-2025 was due by 31-03-2026 and was filed on 29-03-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
on the day
2023
2 d early
2022
3 d early
2021
1 d early
2020
1 d early
2019
60 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-08-2026 and is due by 31-03-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-08-2026 close23-09-2026 today31-03-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€1.25M▼ 2.2%
2024 · €1.28M
2019: €1.44M
2020: €1.41M
2021: €1.33M
2022: €1.56M
2023: €1.39M
2024: €1.28M
2019 → 2025
EBIT margin
31.6%▲ 17.5pp
2024 · 14.1%
2019: 6.5%
2020: 15.5%
2021: 7.2%
2022: 12.6%
2023: 15.7%
2024: 14.1%
2019 → 2025
Net result
€284k▲ 110%
2024 · €135k
2019: €78k
2020: €152k
2021: €77k
2022: €145k
2023: €163k
2024: €135k
2019 → 2025
Working capital
€1.39M▼ 0.9%
2024 · €1.41M
2019: €794k
2020: €978k
2021: €1.10M
2022: €1.20M
2023: €1.30M
2024: €1.41M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€1.33M-€1.56M▲ 17.2%€1.39M▼ 10.8%€1.28M▼ 8.0%€1.25M▼ 2.2%
Equity€1.31M-€1.36M▲ 4.1%€1.46M▲ 7.5%€1.53M▲ 4.6%€1.50M▼ 2.3%
Operating result€96k-€196k▲ 105%€218k▲ 11.4%€181k▼ 17.0%€396k▲ 119%
Net result€77k-€145k▲ 87.3%€163k▲ 12.4%€135k▼ 16.9%€284k▲ 110%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 119% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.85M
Fixed assets
€110k▼ 20.8%
Current assets
€1.74M▲ 13.4%
Equity and liabilities €1.85M
Equity
€1.50M▼ 2.3%
Debt
€350k▲ 152%
The debt ratio rises from 8.3% to 18.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€426k▲
2024 · €218k
Cash flow
€314k▲
2024 · €172k
Solvency
81.1%▼
2024 · 91.7%
Current ratio
5.07▼
2024 · 12.27
Quick ratio
4.95▼
2024 · 11.97
Debt / equity
0.23▲
2024 · 0.09
ROE
19.0%▲
2024 · 8.8%
ROA
15.4%▲
2024 · 8.1%
Interest coverage
185.06▲
2024 · 129.56
Debt
€350k▲
2024 · €139k
Debt ≤ 1 year
€343k▲
2024 · €125k
Income taxes
€127k▲
2024 · €57k
Staff costs
€239k▼
2024 · €380k
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€1.67M€1.85M▲
Fixed assets21/28€139k€110k▼
Tangible fixed assets22/27€139k€110k▼
Plant, machinery and equipment23€121k€99k▼
Furniture and vehicles24€18k€11k▼
Current assets29/58€1.53M€1.74M▲
Stocks and contracts in progress3€36k€39k▲
Stocks30/36€36k€39k▲
Amounts receivable within one year40/41€438k€342k▼
Trade receivables40€177k€101k▼
Other amounts receivable41€261k€241k▼
Current investments50/53€168k€499k▲
Cash at bank and in hand54/58€869k€842k▼
Deferred charges and accrued income490/1€20k€14k▼
Equity and liabilities
Total equity and liabilities10/49€1.67M€1.85M▲
Equity10/15€1.53M€1.50M▼
Contributions10/11€20k€20k=
Reserves13€1.51M€1.48M▼
Distributable reserves133€1.51M€1.48M▼
Profit (loss) carried forward14€504€705▲
Amounts payable17/49€139k€350k▲
Amounts payable within one year42/48€125k€343k▲
Trade debts44€51k€12k▼
Suppliers440/4€51k€12k▼
Taxes, remuneration and social security45€6k€12k▲
Taxes450/3€750€8k▲
Remuneration and social security454/9€5k€4k▼
Other amounts payable47/48€68k€319k▲
Accrued charges and deferred income492/3€14k€7k▼
Income statement
Code20242025
Turnover70€1.28M€1.25M▼
Non-recurring operating income76A€50€4k▲
Goods, raw materials, services and sundry goods60/61€681k€570k▼
Remuneration, social security and pensions62€380k€239k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37k€30k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€16k
Other operating charges640/8€1k€1k▼
Gross operating margin9900€599k€682k▲
Operating profit (loss)9901€181k€396k▲
Financial income75/76B€13k€17k▲
Recurring financial income75€13k€17k▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€193k€411k▲
Income taxes67/77€57k€127k▲
Profit (loss) for the period9904€135k€284k▲
Profit (loss) for the period to be appropriated9905€135k€284k▲
Appropriation of the result
Profit (loss) to be appropriated9906€138k€284k▲
Profit (loss) brought forward from the previous period14P€3k€504▼
Transfer from equity791/2€65k€319k▲
Transfer to equity691/2€135k€284k▲
To other reserves6921€135k€284k▲
Profit to be distributed694/7€68k€319k▲
Return on contributions (dividend)694€68k€319k▲
Social balance
Average headcount (FTE)90875.73.9▼
The notes to these accounts (11 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
29-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-08
Financial
Highest result since 2019net €284k ▲110%
Operating result €396k, net result €284k, both a record.
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
29-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-08
Financial
Weakest financial yearnet €77k ▼49.1%
Net result drops to €77k, the lowest in the series; recovery starts the following year.
30-03
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
30-01
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
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, Knokke-Heist · 1 establishment unit since 1990
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.
't Walletje 318300 Knokke-HeistGround area
4,117 m²
Building footprint
1,542 m²
Volume, LiDAR
7,376 m³
2 parcels, Flanders · tallest building 6.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BVBA PRAET-CLAEYS
since 19902.046.619.727
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31039F0084/00X003 | Flanders | 2,094 m² | 1 · 892 m² | 6.5 m · 2 fl. |
| 31039F0138/00P000 | Flanders | 2,023 m² | 1 · 651 m² | 6.2 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 1,500 EUR awarded · 1,500 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 0 EUR | 1,500 EUR |
| 2022 | 1 | 1,500 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 8,563 companies in sector 43410 we hold annual accounts for 4,358. 1,585 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-12-1989
Fiscal year end31-08
Activities, NACEBEL
43410Roofing work
45220
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.