CL'VER
ActiveCL'VER has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3k and a net result of €40k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 31510 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency12▼-88
Growth58▼-20
Stability94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity tight (current ratio 1.01 against 6.76 in 2024), and 98.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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 · 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
1.4%
Return on assets
22.8%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 31510 sector peers (2025).
NBB · sector comparisonPosition among 31510 sector peers
Solvency
better than 10%
← 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 24-04-2026, 98 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
98 d early
2024
31 d late
2023
26 d late
2022
17 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€3k▼ 97.8%
2024 · €113k
2022: €31k
2023: €71k
2024: €113k
2022 → 2025
Total assets
€174k▲ 30.9%
2024 · €133k
2022: €48k
2023: €92k
2024: €133k
2022 → 2025
Net result
€40k▼ 4.6%
2024 · €42k
2022: €29k
2023: €40k
2024: €42k
2022 → 2025
Working capital
€3k▼ 97.8%
2024 · €113k
2022: €31k
2023: €71k
2024: €113k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€31k-€71k▲ 130%€113k▲ 58.2%€3k▼ 97.8%
Operating result€36k-€52k▲ 43.7%€52k▼ 0.1%€50k▼ 3.4%
Net result€29k-€40k▲ 41.4%€42k▲ 2.9%€40k▼ 4.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €174k
Equity
€3k▼ 97.8%
Debt
€171k▲ 772%
The debt ratio rises from 14.8% to 98.6%: debt grows while equity shrinks.
Key figures and ratios
Solvency
1.4%▼
2024 · 85.2%
Current ratio
1.01▼
2024 · 6.76
Quick ratio
1.01▼
2024 · 6.76
Debt / equity
68.48▲
2024 · 0.17
ROA
22.8%▼
2024 · 31.3%
Debt
€171k▲
2024 · €20k
Debt ≤ 1 year
€171k▲
2024 · €20k
Income taxes
€12k▲
2024 · €12k
A ratio outside any meaningful range has been withheld (balance sheet total €174k, equity €3k).
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€133k€174k▲
Current assets29/58€133k€174k▲
Amounts receivable within one year40/41€8k€17k▲
Trade receivables40€8k€16k▲
Other amounts receivable41-€852
Current investments50/53€0€5k▲
Cash at bank and in hand54/58€124k€150k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€133k€174k▲
Equity10/15€113k€3k▼
Contributions10/11€3k€3k=
Reserves13€111k€0▼
Distributable reserves133€111k€0▼
Profit (loss) carried forward14-€0
Amounts payable17/49€20k€171k▲
Amounts payable within one year42/48€20k€171k▲
Trade debts44€296€447▲
Suppliers440/4€296€447▲
Taxes, remuneration and social security45€18k€42k▲
Taxes450/3€18k€42k▲
Other amounts payable47/48€1k€129k▲
Income statement
Code20242025
Other operating charges640/8€401€872▲
Gross operating margin9900€52k€51k▼
Operating profit (loss)9901€52k€50k▼
Financial income75/76B€2k€2k▼
Recurring financial income75€2k€2k▼
Financial charges65/66B€96€68▼
Recurring financial charges65€96€68▼
Profit (loss) for the period before taxes9903€53k€51k▼
Income taxes67/77€12k€12k▲
Profit (loss) for the period9904€42k€40k▼
Profit (loss) for the period to be appropriated9905€42k€40k▼
Appropriation of the result
Profit (loss) to be appropriated9906€42k€40k▼
Transfer from equity791/2-€111k
Transfer to equity691/2€42k€0▼
To other reserves6921€42k€0▼
Profit to be distributed694/7-€150k
Return on contributions (dividend)694-€150k
The notes to these accounts (1 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
24-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Highest result since 2022net €42k ▲2.9%
Net result €42k, the highest in the series.
31-12
Financial
Equity above €100kEq €113k ▲58.2%
3 profitable years in a row build equity to €113k.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
14-07
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
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, Edegem · 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.
Mariënlaan 162650 EdegemGround area
199 m²
Building footprint
88 m²
Volume, LiDAR
728 m³
Parcel 11013A0025/00P000, Flanders · tallest building 12.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CL'VER
since 20222.329.632.469
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11013A0025/00P000 | Flanders | 199 m² | 1 · 88 m² | 12.3 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.
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Forima
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LIESBETH SWITTEN
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,396. 9,951 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-03-2022
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.