TODOCLARO
ActiveTODOCLARO has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €1.32M and a net result of €368k. Equity is growing by ~12.9% per year across the filed fiscal years. Its solvency ranks better than 68% of 200 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2026
84
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability86▼-2
Solvency75▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €110k at 30 days acceptable
Liquidity ample (current ratio 1.97 against 2.01 in 2025; short-term debt: 23.6% and cash: 34.5% of total assets), but 50.4% 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 47
Relative position
BE, all sectors
reference
Sector 47
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 2026Solvency, return and age of the figures
Solvency
49.6%
Return on assets
13.8%
Age of the figures
7 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 31-01-2026 was due by 31-08-2026 and was filed on 10-07-2026, 52 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
52 d early
2025
3 d early
2024
1 d early
2023
29 d late
2022
49 d early
2021
on the day
2020
4 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-01-2027 and is due by 31-08-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today31-01-2027 close31-08-2027 deadline
Financials · fiscal year 2026, abbreviated schema
Equity
€1.32M▲ 18.6%
2025 · €1.11M
2019: €567k
2020: €493k
2021: €681k
2022: €761k
2023: €686k
2024: €781k
2025: €1.11M
2019 → 2026
Total assets
€2.66M▲ 21.9%
2025 · €2.18M
2019: €1.02M
2020: €1.84M
2021: €2.09M
2022: €1.98M
2023: €2.10M
2024: €2.18M
2025: €2.18M
2019 → 2026
Net result
€368k▲ 7.7%
2025 · €342k
2019: €178k
2020: €-74k
2021: €231k
2022: €188k
2023: €194k
2024: €343k
2025: €342k
2019 → 2026
Working capital
€606k▲ 24.9%
2025 · €485k
2019: €310k
2020: €56k
2021: €202k
2022: €273k
2023: €209k
2024: €253k
2025: €485k
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€761k-€686k▼ 9.9%€781k▲ 13.9%€1.11M▲ 42.5%€1.32M▲ 18.6%
Operating result€301k-€291k▼ 3.1%€537k▲ 84.3%€514k▼ 4.2%€563k▲ 9.4%
Net result€188k-€194k▲ 2.9%€343k▲ 77.3%€342k▼ 0.5%€368k▲ 7.7%
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 2026; 2026 is 9% above 2025 and is the highest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €2.66M
Fixed assets
€1.43M▲ 17.5%
Current assets
€1.23M▲ 27.3%
Equity and liabilities €2.66M
Equity
€1.32M▲ 18.6%
Debt
€1.34M▲ 25.3%
The debt ratio rises from 49.0% to 50.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€673k▲
2025 · €625k
Cash flow
€479k▲
2025 · €452k
Solvency
49.6%▼
2025 · 51.0%
Current ratio
1.97▼
2025 · 2.01
Quick ratio
1.69▲
2025 · 1.43
Debt / equity
1.01▲
2025 · 0.96
ROE
27.9%▼
2025 · 30.7%
ROA
13.8%▼
2025 · 15.7%
Interest coverage
22.54▲
2025 · 20.28
Debt
€1.34M▲
2025 · €1.07M
Debt ≤ 1 year
€626k▲
2025 · €482k
Debt > 1 year
€705k▲
2025 · €579k
Income taxes
€171k▲
2025 · €156k
Staff costs
€536k▲
2025 · €500k
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€2.18M€2.66M▲
Fixed assets21/28€1.21M€1.43M▲
Tangible fixed assets22/27€1.21M€1.43M▲
Land and buildings22€984k€944k▼
Plant, machinery and equipment23€167k€113k▼
Furniture and vehicles24€60k€84k▲
Other tangible fixed assets26€2k€2k▼
Assets under construction and advance payments27-€283k
Financial fixed assets28€0-
Current assets29/58€968k€1.23M▲
Stocks and contracts in progress3€276k€172k▼
Stocks30/36€276k€172k▼
Amounts receivable within one year40/41€48k€132k▲
Trade receivables40€37k€121k▲
Other amounts receivable41€10k€10k▼
Current investments50/53€455k€5k▼
Cash at bank and in hand54/58€183k€917k▲
Deferred charges and accrued income490/1€5k€6k▲
Equity and liabilities
Total equity and liabilities10/49€2.18M€2.66M▲
Equity10/15€1.11M€1.32M▲
Contributions10/11€100k€100k=
Reserves13€1.01M€1.22M▲
Tax-exempt reserves132€823€823=
Distributable reserves133€1.01M€1.22M▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€1.07M€1.34M▲
Amounts payable after more than one year17€579k€705k▲
Financial debts170/4€579k€705k▲
Amounts payable within one year42/48€482k€626k▲
Current portion of amounts payable after more than one year42€80k€81k▲
Trade debts44€168k€120k▼
Suppliers440/4€168k€120k▼
Taxes, remuneration and social security45€95k€135k▲
Taxes450/3€24k€57k▲
Remuneration and social security454/9€71k€78k▲
Other amounts payable47/48€140k€290k▲
Accrued charges and deferred income492/3€7k€7k=
Income statement
Code20252026
Remuneration, social security and pensions62€500k€536k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€110k€110k=
Other operating charges640/8€5k€8k▲
Gross operating margin9900€1.13M€1.22M▲
Operating profit (loss)9901€514k€563k▲
Financial income75/76B€14k€7k▼
Recurring financial income75€14k€7k▼
Financial charges65/66B€31k€30k▼
Recurring financial charges65€31k€30k▼
Profit (loss) for the period before taxes9903€498k€539k▲
Income taxes67/77€156k€171k▲
Profit (loss) for the period9904€342k€368k▲
Profit (loss) for the period to be appropriated9905€342k€368k▲
Appropriation of the result
Profit (loss) to be appropriated9906€342k€368k▲
Transfer from equity791/2€0€151k▲
Transfer to equity691/2€332k€358k▲
To other reserves6921€332k€358k▲
Profit to be distributed694/7€10k€161k▲
Return on contributions (dividend)694€0€151k▲
Employees696€0-
Other beneficiaries697€10k€10k▲
Social balance
Average headcount (FTE)908711.412.0▲
The notes to these accounts (23 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 2027, expected by
2026
10-07
NBB filing
Annual accounts filed
fiscal year 2026 · abbreviated schema
31-01
Financial
Highest result since 2019net €368k ▲7.7%
Operating result €563k, net result €368k, both a record.
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-01
Financial
Equity above €1MEq €1.11M ▲42.5%
5 profitable years in a row build equity to €1.11M.
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
2022
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
31-01
Financial
Back to profitnet €231k
Net result €231k after one loss-making year.
31-01
Financial
Equity above €500kEq €681k ▲38.3%
Equity rises from €493k to €681k.
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
31-01
Financial
Weakest financial yearnet €-74k ▼142%
Net result drops to €-74k, the lowest in the series; recovery starts the following year.
2019
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Herent · 1 establishment unit since 2011
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.
Paardenveldstraat 253020 HerentGround area
4,889 m²
Building footprint
1,060 m²
Volume, LiDAR
8,476 m³
2 parcels, Flanders · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
TODOCLARO
since 20112.200.584.659
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24127C0042/00L003 | Flanders | 3,606 m² | 1 · 912 m² | 10.4 m · 3 fl. |
| 24127C0187/00N000 | Flanders | 1,283 m² | 1 · 148 m² | 8.8 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 2024 · 4 entries · 8,007 EUR awarded · 240 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | -1,380 EUR | 0 EUR |
| 2022 | 3 | 9,387 EUR | 240 EUR |
Schemes
Subsidies laadpalen (Relance)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Werkbaarheidscheque (stopgezet)
Recognitions · licences · registrations
Food safety, FASFC
1 site · 1 with a smileyHerent2.200.584.659
Dual-learning approval
3 endedLegal Entity Identifier
699400HTSZ3WX0SDQW10
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Of 10,530 companies in sector 47110 we hold annual accounts for 5,858. 1,942 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-06-2011
Fiscal year end31-01
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47113Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.