CLAMIE
ActiveCLAMIE has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €173k and a net result of €27k. Equity is shrinking by ~11.6% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 47% of 13936 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74=
Solvency51▲+51
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity short (current ratio 0.08 against 0.04 in 2024; short-term debt: 34.7% and cash: 1.5% of total assets), and 74% 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
26%
Return on assets
4.1%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 11-04-2026, 19 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
19 d early
2024
16 d early
2023
35 d early
2022
24 d late
2021
61 d late
2020
on the day
2019
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€173k
2024 · €-131k
2018: €-45k
2019: €-59k
2020: €-77k
2021: €-116k
2022: €-135k
2023: €-147k
2024: €-131k
2018 → 2025
Total assets
€665k▲ 66.9%
2024 · €399k
2018: €475k
2019: €590k
2020: €474k
2021: €454k
2022: €423k
2023: €409k
2024: €399k
2018 → 2025
Net result
€27k▲ 70.4%
2024 · €16k
2018: €14k
2019: €-14k
2020: €-18k
2021: €-39k
2022: €-19k
2023: €-12k
2024: €16k
2018 → 2025
Working capital
€-213k▲ 12.1%
2024 · €-242k
2018: €-103k
2019: €-48k
2020: €-78k
2021: €-134k
2022: €-164k
2023: €-254k
2024: €-242k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-116k-€-135k▼ 16.6%€-147k▼ 8.9%€-131k▲ 10.9%€173k
Operating result€-21k-€922€12k▲ 1,159%€23k▲ 99.5%€28k▲ 21.5%
Net result€-39k-€-19k▲ 51.1%€-12k▲ 37.6%€16k€27k▲ 70.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 22% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €665k
Fixed assets
€647k▲ 66.5%
Current assets
€18k▲ 85.7%
Equity and liabilities €665k
Equity
€173k
Debt
€492k
Debt finances 74.0% of the balance-sheet total.
Key figures and ratios
EBITDA
€52k▲
2024 · €46k
Cash flow
€51k▲
2024 · €39k
Solvency
26.0%▲
2024 · -32.8%
Current ratio
0.08▲
2024 · 0.04
Quick ratio
0.08▲
2024 · 0.04
Debt / equity
2.84▲
2024 · -4.05
ROE
15.8%
ROA
4.1%▲
2024 · 4.0%
Interest coverage
68.18▲
2024 · 6.44
Debt
€492k▼
2024 · €529k
Debt ≤ 1 year
€231k▼
2024 · €252k
Debt > 1 year
€261k▼
2024 · €276k
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€399k€665k▲
Fixed assets21/28€389k€647k▲
Tangible fixed assets22/27€389k€647k▲
Land and buildings22€383k€642k▲
Furniture and vehicles24€2k€1k▼
Other tangible fixed assets26€4k€3k▼
Financial fixed assets28€161€161=
Current assets29/58€10k€18k▲
Amounts receivable within one year40/41€9k€7k▼
Trade receivables40€4k€4k▼
Other amounts receivable41€5k€3k▼
Cash at bank and in hand54/58€66€10k▲
Deferred charges and accrued income490/1€746€834▲
Equity and liabilities
Total equity and liabilities10/49€399k€665k▲
Equity10/15€-131k€173k▲
Contributions10/11€14k€14k=
Revaluation surpluses12-€276k
Reserves13-€475
Distributable reserves133-€475
Profit (loss) carried forward14€-145k€-118k▲
Amounts payable17/49€529k€492k▼
Amounts payable after more than one year17€276k€261k▼
Financial debts170/4€276k€261k▼
Amounts payable within one year42/48€252k€231k▼
Current portion of amounts payable after more than one year42€23k€38k▲
Financial debts43€11k-
Credit institutions430/8€11k-
Trade debts44€15k€17k▲
Suppliers440/4€15k€17k▲
Taxes, remuneration and social security45€2k€5k▲
Taxes450/3€2k€5k▲
Other amounts payable47/48€201k€171k▼
Accrued charges and deferred income492/3€1k€450▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€24k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€5k-
Other operating charges640/8€2k€4k▲
Gross operating margin9900€53k€56k▲
Operating profit (loss)9901€23k€28k▲
Financial charges65/66B€7k€760▼
Recurring financial charges65€7k€760▼
Profit (loss) for the period before taxes9903€16k€27k▲
Profit (loss) for the period9904€16k€27k▲
Profit (loss) for the period to be appropriated9905€16k€27k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-145k€-118k▲
Profit (loss) brought forward from the previous period14P€-161k€-145k▲
Transfer from equity791/2€2k-
Transfer to equity691/2€2k-
To contributions691€2k-
The notes to these accounts (10 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
11-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2018net €27k ▲70.4%
Net result €27k, the highest in the series.
30-09
Financial
Equity above €150kEq €173k
2 profitable years in a row build equity to €173k.
14-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Back to profitnet €16k
Net result €16k after 5 loss-making years.
26-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
30-09
Financial
Weakest financial yearnet €-39k
Net result drops to €-39k, the lowest in the series; recovery starts the following year.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
02-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Elsene · 1 establishment unit since 2007
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.
Brouwerijstraat 931050 ElseneGround area
61 m²
Building footprint
48 m²
Volume, LiDAR
651 m³
Parcel 21443C0039/00Z000, Brussels · tallest building 15.8 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Clamie SPRL
since 20072.164.572.519
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21443C0039/00Z000 | Brussels | 61 m² | 1 · 48 m² | 15.8 m · 5 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.
Similar companies · same sector, comparable size
ELLA PROMOTIONS
BE 0810.406.393
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HOMMELHEIDE
BE 0899.980.747
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Logboek
BE 0701.891.010
Gent · Eq €173k
TENACITY
BE 0794.773.260
Gerpinnes · Eq €173k
Dierckx Stef
BE 0871.486.897
Vosselaar · Eq €173k
Of 7,322 companies in sector 68110 we hold annual accounts for 5,381. 3,868 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-05-2005
Fiscal year end30-09
Activities, NACEBEL
68110Buying and selling of own real estate
70120
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.