Equity
€799,425 ▲ 6.4%
C.L.I.M. has made a profit without a break since 2022.
C.L.I.M.
Lifetime
14 annual accounts with figures on one time axisGross marginpeak €158,474 (2012)
€130,946▼ 3.3%
Resultlowest -€44,845 (2021)
€48,286▼ 14.8%
Equitypeak €977,015 (2018)
€799,425▲ 6.4%
Debts
€33,687▲ 63.0%
Board3 names since 2021
3 directorsBlic NV and 2 others
Documentsfilings and deeds
03-06-202658 days before the deadline
2025micro format
Debts from €20,672 to €33,687Cash from €131,979 to €19,058
Key points
from the 2025 annual accountsTurnover
≈ €240,000 estimated
The micro format states no turnover.
Position in the sector
96.0%
Higher solvency than 95% of companies in real estate. Sector median 28.9% · 17,162 companies.
Checked score
96
Excellent
Financially stronger than 71% of micro companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,627 companies (NACE 68, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025highest value
08-2025: < 0.1%▼ -0.1 percentage points vs 07-2025lowest value
09-2025: < 0.1%● unchanged vs 08-2025lowest value
10-2025: < 0.1%● unchanged vs 09-2025lowest value
11-2025: < 0.1%● unchanged vs 10-2025lowest value
12-2025: < 0.1%● unchanged vs 11-2025lowest value
01-2026: < 0.1%● unchanged vs 12-2025lowest value
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Liquidity: current ratio 12.42, cash €19,058, halved
lowers risk
Size: total assets €833,112
Equity €799,425 (96.0% of total assets)
Figures for financial year 2025 (filed on 05-06-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 91% of them on solvency, 61% on liquidity, 71% on profitability and 61% on growth.
The bankruptcy probability was computed on 05-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 17,811 companies had the same profile as C.L.I.M. has now. Each dot stands for 45 companies, two years later.
96.5%
were still trading
3.1%
stopped another way
0.3%
went bankrupt
That fits the bankruptcy probability of C.L.I.M. itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 17,811 companies, not a prediction for C.L.I.M.. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €75,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 12.42 (15.07 in 2024), above the usual 1.5. Short-term debt is 4% and cash 2.3% of total assets. 4% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €799,425
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 03-06-2026, 58 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
58 days early
2024
34 days early
2023
49 days early
2022
62 days early
2021
31 days late
2020
23 days early
2019
38 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 33 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 13 June (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
05-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0838469087
Capital decrease of €200,000 to €637,262
Capital from €837,262 to €637,262 · General meeting of 27-11-2023 · Gazette deed
1 director appointed, 3 reappointments
Reappointments: Leen Anne-Marie, Leen Lutgart and Blic NV · Appointment: Blic NV (managing director) · Permanent representative: Paul Leen · General meeting of 26-05-2023 · Gazette deed
Capital decrease of €100,000 to €837,262
Capital from €937,262 to €837,262 · General meeting of 10-12-2021 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | Total assets | Gross margin | Solvency | Staff |
|---|---|---|---|---|
| C.L.I.M. Bocholt | €833,112 | €130,946 | 96.0% | - |
| NIVELLES Sint-Truiden | €768,804 | €116,852 | 36.5% | - |
| MASO IMMO Maasmechelen | €855,841 | €95,677 | -25.9% | - |
| LAMBICONSULT Seneffe | €789,322 | €109,195 | 58.9% | 0 |
| SALVA Hulshout | €848,066 | €112,063 | 2.4% | - |
| Be-Real Antwerp | €862,347 | €140,267 | 23.4% | - |
| JBGL Dalhem | €801,879 | €156,581 | 21.0% | - |
These companies have the same main activity as C.L.I.M.: buying and selling of own real estate (NACE 68110). They are comparable in size and age: total assets between €769,000 and €862,000, founded between 2010 and 2012.
Official details
Source: KBO- Status
- Active since 05-08-2011Normal situation
- Activity
- Buying and selling of own real estateNACE 68110and 1 other
- Establishment unit
- 2.326.508.0793950 Bocholt, since 05-08-2011
- Financial year end
- 31 December
- Peppol
- Reachable since 06-01-2026
Annual accounts 2025
- Total assets
- €833,112▲ 7.9%
- Filing
- Filed on 03-06-2026, 58 days before the end of the filing period
Insights on C.L.I.M.
C.L.I.M. files the micro format. That format states no turnover. The gross margin fell from €158,474 in 2012 to €130,946 in 2025.
In July 2023, the Official Gazette published the appointment of Blic NV as managing director.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about C.L.I.M.
- What is the company number of C.L.I.M.?
- The company number of C.L.I.M. is 0838.469.087. The VAT number is the same number with BE in front: BE 0838.469.087.
- Where is C.L.I.M. based?
- The registered office is at Lillerbaan 70, 3950 Bocholt.Company details
- What does C.L.I.M. do?
- According to the KBO register, the main activity is buying and selling of own real estate (NACE 68110).
- What is the legal form of C.L.I.M.?
- C.L.I.M. is a public limited company (NV).
- When was C.L.I.M. founded?
- C.L.I.M. was founded on 05-08-2011.
- Is C.L.I.M. still active?
- Yes, C.L.I.M. is an active enterprise in the KBO register.
- What is the turnover of C.L.I.M.?
- The turnover in financial year 2025 is ≈ €240,000. This figure is estimated from the gross margin of €130,946 and 49 comparable companies (NACE 681). It probably lies between €180,000 and €440,000.Financials
- Is C.L.I.M. profitable?
- In financial year 2025, C.L.I.M. made a profit of €48,286.
- Where can I find the annual accounts of C.L.I.M.?
- C.L.I.M. filed 14 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of C.L.I.M. due?
- C.L.I.M. must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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