Age2 yrs
Real estate1 parcel · 768 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of Clardware is 0.5% (very low). The 2025 annual accounts show equity of €53k and a net result of €47k. Its solvency ranks better than 43% of 2732 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 2 annual accounts.
Trust signals
3 signalsYoung company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags
0 events
No administrative flags
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone0.5%
Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector
−Young company
+Annual accounts: healthy financial profile
−
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€47k+11112.1%
Working capital€11k+272.5%
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 12-11-2025 with the NBB · fiscal year 2025 · micro
Sector comparison
Fiscal year 2025 · NACE 62, Computer programming & consultancy · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 52.8% | 62.2% | |
| Net result | €47k | €40k | |
| Equity | €53k | €62k | |
| Gross operating margin | €68k | €63k | |
| Total assets | €100k | €120k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€68k
+7565.6%
far above sector median
€47k
+11112.1%
far above sector median
€55k
+9396.9%
far above sector median
€100k
+797.7%
-3% vs sector
€53k
+875.6%
-34% vs sector
€11k
+272.5%
-64% vs sector
€13k
+5922.1%
far above sector median
€47k
+724.0%
+109% vs sector
€36k
+523.1%
+58% vs sector
€12k
-
-56% vs sector
1.31
-13.8%
-54% vs sector
1.31
-13.8%
-54% vs sector
52.8%
+8.7%
-32% vs sector
0.89
-15.5%
+217% vs sector
89.8%
+1049.2%
far above sector median
47.4%
+1149.0%
far above sector median
62.58
+651.3%
+173% vs sector
Figures by fiscal year
| Fiscal year | 2025 |
|---|---|
| Revenue | - |
| EBITDA | €68k |
| Net profit | €47k |
| Cash flow | €55k |
| Staff costs | - |
| Income taxes | €13k |
| Dividends | - |
| Total assets | €100k |
| Equity | €53k |
| Debt | €47k |
| of which ≤ 1y | €36k |
| of which > 1y | €12k |
| Working capital | €11k |
| Employees (FTE) | - |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 1.31 |
| Quick ratio | 1.31 |
| Working capital ratio | 11.1% |
| Solvency | 52.8% |
| Debt / equity | 0.89 |
| Long-term debt ratio | 0.22 |
| Interest coverage | 62.58 |
| Gross margin | - |
| Net margin | - |
| ROA | 47.4% |
| ROE | 89.8% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €100k |
| Fixed assets | 21/28 | €51k |
| Formation expenses | 20 | €2k |
| Tangible fixed assets | 22/27 | €51k |
| Current assets | 29/58 | €47k |
| Amounts receivable within one year | 40/41 | €16k |
| Cash & bank | 54/58 | €30k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €100k |
| Equity | 10/15 | €53k |
| Contributions / capital | 10/11 | €5k |
| Reserves | 13 | €48k |
| Amounts payable | 17/49 | €47k |
| Amounts payable after one year | 17 | €12k |
| Amounts payable within one year | 42/48 | €36k |
| Trade debts payable within one year | 44 | €15 |
| Income statement | ||
| Gross operating margin | 9900 | €68k |
| Operating result | 9901 | €61k |
| Financial charges | 65 | €1k |
| Result before taxes | 9903 | €60k |
| Income taxes | 67/77 | €13k |
| Net result for the period | 9904 | €47k |
| Result to be appropriated | 9905 | €47k |
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan.
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Ratios computed by Checked.
Health barometer
FY 2025 · computed96
/ 100
Excellent
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Structure & network
Locations & real estate
Establishment units
1 locationClardware
since 20242.356.896.102
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area768 m²
Buildings1
Building footprint99 m²
Volume (LiDAR)625 m³
Tallest building9.1 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31030A0456/00W000 | Flanders | 768 m² | 1 · 99 m² | 9.1 m · 2 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Analysis
Snowflake analysis
financial profile on 5 axes87
/ 100
Exceptional profile, strong across almost every axis.
Health
96
Profitability
100
Solvency
81
Growth
78
Stability
82
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Credit advice
verdict per customer and amountSimilar
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Same sector, ranked by comparable sizeCompany registry
Company registry (CBE)
Crossroads BankActivities
Ontwerpen en programmeren van computerprogramma's62010Ontwerpen van computerprogramma’s62100Vervaardiging van computers en randapparatuur26200Vervaardiging van computers en randapparatuur26200
Primary activity highlighted.
Names & trade names
| Legal nameNL | Clardware |
Registered office
Rijselstraat 276
8200 Brugge, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.