CLD
ActiveSummary
CLD has been active since 1994 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€9,156) and a net result of €8,965. Equity is growing by about 21% per year across the filed financial years. Its solvency ranks better than 24% of 5,700 sector peers (NACE 96, financial year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Overview
- Equity
- -€9,156
- Profit
- €8,965
Why 55raises riskCapped at 59: negative equityNegative equity -€9,156Liquidity: current ratio 0.20, cash €26lowers riskSize: total assets €62,656Founded in 1994Show the evidence
Checked score
About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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 96, micro): better than 24% on solvency, 2% on liquidity, 75% on profitability and 81% on growth.
The bankruptcy probability was computed on 30-10-2026 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.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
This company filed its last 7 accounts on average 20 days after the deadline; the sector median (NACE 96) for financial year 2024 is on the deadline day, and 48% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · micro…
- Annual accounts filedfinancial year 2024 · micro…
- Annual accounts filedfinancial year 2023 · micro…
Financials · financial year 2025, micro format
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result falls in 2025; 2025 is 28% below 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 96, Personal service activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Peer companies
Historical observationOf the 3,794 companies that looked in July 2024 the way this one looks now, 2.7% went bankrupt within 24 months and 91.5% are still going.
- Micro
- 20 years or older
- negative equity
- a profit of 5% of the balance sheet or more
A further 0.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 3,794 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €9,738 | €10,024 | €9,670 | €9,630 | €7,672 | €7,347 | €7,659 | €10,063 | ▲ 31.4% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | €8,577 | €0 | - | - | - | - |
| Other operating charges640/8 | - | - | - | €4,312 | €4,408 | €4,835 | €5,018 | €5,435 | ▲ 8.3% |
| Gross operating margin9900 | €26,025 | €26,893 | €29,690 | €27,884 | €35,608 | €23,654 | €31,675 | €29,091 | ▼ 8.2% |
| Operating profit (loss)9901 | €12,138 | €11,786 | €15,738 | €5,365 | €23,527 | €11,472 | €18,997 | €13,593 | ▼ 28.4% |
| Financial income75/76B | - | - | - | €0 | - | €111 | €120 | €50 | ▼ 58.6% |
| Recurring financial income75 | €31 | €25 | €0 | €0 | - | €111 | €120 | €50 | ▼ 58.6% |
| Financial charges65/66B | - | - | - | €515 | €337 | €118 | €52 | €1,689 | ▲ 33× |
| Recurring financial charges65 | €546 | €906 | €713 | €515 | €337 | €118 | €52 | €106 | ▲ 105% |
| Non-recurring financial charges66B | - | - | - | - | - | - | - | €1,583 | - |
| Profit (loss) for the period before taxes9903 | €11,624 | €10,905 | €15,025 | €4,851 | €23,190 | €11,466 | €19,065 | €11,954 | ▼ 37.3% |
| Income taxes67/77 | €275 | €3,292 | €4,010 | €1,295 | €6,189 | €2,900 | €4,253 | €2,988 | ▼ 29.7% |
| Profit (loss) for the period9904 | €11,348 | €7,613 | €11,015 | €3,556 | €17,001 | €8,566 | €14,812 | €8,965 | ▼ 39.5% |
| Profit (loss) for the period to be appropriated9905 | €11,348 | €7,613 | €11,015 | €3,556 | €17,001 | €8,566 | €14,812 | €8,965 | ▼ 39.5% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €109,196 | €103,075 | €100,384 | €53,216 | €62,868 | €39,143 | €53,741 | €62,656 | ▲ 16.6% |
| Fixed assets21/28 | €76,072 | €68,900 | €59,230 | €49,600 | €41,927 | €34,581 | €40,351 | €49,394 | ▲ 22.4% |
| Tangible fixed assets22/27 | €75,953 | €68,781 | €59,111 | €49,481 | €41,809 | €34,462 | €40,232 | €49,275 | ▲ 22.5% |
| Land and buildings22 | - | - | - | €42,397 | €36,471 | €30,545 | €24,619 | €18,693 | ▼ 24.1% |
| Plant, machinery and equipment23 | - | - | - | €6,950 | €5,337 | €3,917 | €15,613 | €30,582 | ▲ 95.9% |
| Furniture and vehicles24 | - | - | - | €134 | €0 | - | - | - | - |
| Financial fixed assets28 | €119 | €119 | €119 | €119 | €119 | €119 | €119 | €119 | = |
| Current assets29/58 | €33,124 | €34,176 | €41,154 | €3,616 | €20,940 | €4,562 | €13,390 | €13,262 | ▼ 1.0% |
| Amounts receivable within one year40/41 | €9,427 | €9,427 | €9,555 | €0 | - | €2,134 | €3,922 | €2,810 | ▼ 28.4% |
| Trade receivables40 | - | - | - | €0 | - | - | €5 | €0 | ▼ 100% |
| Other amounts receivable41 | - | - | - | €0 | - | €2,134 | €3,917 | €2,810 | ▼ 28.3% |
| Current investments50/53 | - | - | - | - | - | - | €8,909 | €9,878 | ▲ 10.9% |
| Cash at bank and in hand54/58 | €23,697 | €24,748 | €31,195 | €3,182 | €20,451 | €1,913 | €23 | €26 | ▲ 12.0% |
| Deferred charges and accrued income490/1 | - | - | - | €434 | €489 | €516 | €536 | €549 | ▲ 2.4% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €109,196 | €103,075 | €100,384 | €53,216 | €62,868 | €39,143 | €53,741 | €62,656 | ▲ 16.6% |
| Equity10/15 | -€80,685 | -€73,072 | -€62,057 | -€58,501 | -€41,500 | -€32,934 | -€18,122 | -€9,156 | ▲ 49.5% |
| Contributions10/11 | €100,000 | €100,000 | €100,000 | €100,000 | €100,000 | €100,000 | €100,000 | €100,000 | = |
| Revaluation surpluses12 | - | - | - | €166,200 | €166,200 | €166,200 | €166,200 | €166,200 | = |
| Profit (loss) carried forward14 | -€346,885 | -€339,272 | -€328,257 | -€324,701 | -€307,699 | -€299,133 | -€284,321 | -€275,356 | ▲ 3.2% |
| Amounts payable17/49 | €189,881 | €176,147 | €162,441 | €111,717 | €104,367 | €72,077 | €71,862 | €71,812 | ▼ 0.1% |
| Amounts payable after more than one year17 | €34,483 | €26,637 | €18,592 | €10,343 | €4,020 | €4,020 | €4,020 | €4,020 | = |
| Financial debts170/4 | - | - | - | €6,323 | €0 | - | - | - | - |
| Other amounts payable178/9 | - | - | - | €4,020 | €4,020 | €4,020 | €4,020 | €4,020 | = |
| Amounts payable within one year42/48 | €155,398 | €149,510 | €143,849 | €101,374 | €100,347 | €68,057 | €67,842 | €67,792 | ▼ 0.1% |
| Current portion of amounts payable after more than one year42 | - | - | - | €8,248 | €6,323 | €0 | - | - | - |
| Financial debts43 | - | - | - | - | - | - | €50 | €0 | ▼ 100% |
| Other loans439 | - | - | - | - | - | - | €50 | €0 | ▼ 100% |
| Trade debts44 | €136 | €8 | €139 | €189 | €153 | €284 | €0 | - | - |
| Suppliers440/4 | - | - | - | €189 | €153 | €284 | €0 | - | - |
| Taxes, remuneration and social security45 | - | - | - | €5,859 | €6,743 | €555 | €555 | €555 | = |
| Taxes450/3 | - | - | - | €5,859 | €6,743 | €555 | €555 | €555 | = |
| Other amounts payable47/48 | - | - | - | €87,078 | €87,128 | €67,218 | €67,238 | €67,238 | = |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €11,348 | €7,613 | €11,015 | €3,556 | €17,001 | €8,566 | €14,812 | €8,965 | ▼ 39.5% |
| + Depreciation and write-downs630 | €9,738 | €10,024 | €9,670 | €9,630 | €7,672 | €7,347 | €7,659 | €10,063 | ▲ 31.4% |
| Operating cash flow (approximation) | €21,087 | €17,637 | €20,685 | €13,186 | €24,674 | €15,913 | €22,472 | €19,028 | ▼ 15.3% |
| Investment in fixed assets (approximation) | - | -€2,851 | €0 | €0 | €0 | €0 | -€13,429 | -€19,106 | ▼ 42.3% |
| Change in cash | - | €1,051 | €6,447 | -€28,013 | €17,268 | -€18,538 | -€1,890 | €3 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 30 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 09-07-2026 | 2026-00278393 |
| 31-12-2024 | micro format | 16-07-2025 | 2025-00293710 |
| 31-12-2023 | micro format | 29-08-2024 | 2024-00390758 |
| 31-12-2022 | micro format | 31-08-2023 | 2023-00429528 |
| 31-12-2021 | micro format | 27-07-2022 | 2022-20228768 |
| 31-12-2020 | micro format | 31-08-2021 | 2021-65600135 |
| 31-12-2019 | micro format | 29-10-2020 | 2020-64800077 |
| 31-12-2018 | micro format | 30-08-2019 | 2019-61600291 |
| 31-12-2017 | micro format | 31-08-2018 | 2018-59200426 |
| 31-12-2016 | micro format | 30-08-2017 | 2017-54800379 |
Similar companies · same sector and region
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Not every act has been read: a resignation may still be missing
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| LECOMTE Gilberte |
|
Owners and capital
Capital and shareholders
- 27-12-2023 Converted to unavailable equity · €100,000
- 27-12-2023 Capital conversion · €50,000
Group and network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
27-12
Gazette deed
Resignation: LECOMTE Gilberte (manager)Appointment: LECOMTE Gilberte (director) · Purpose change · Amendment of the articles11 facts ▸
- General meeting, 20-12-2023
- Purpose change
- Amendment of the articles (2 times)
- Legal-form conversion, “société à responsabilité limitée” (deed in French)
- Capital conversion, “compte de capitaux propres statutairement indisponible” (deed in French)
- Capital conversion, “limiter”, 50000 (deed in French)
- Capital
- Director resignation, LECOMTE Gilberte (manager)
- Director appointment, LECOMTE Gilberte (director (not named in the articles))
- Director discharge, LECOMTE Gilberte
- Registered office clause, “Mons (Havré),rue Victor Baudour 27, unanimité” (deed in French)
About the unread acts
Of the 2 Belgian Official Gazette deeds we know for this company, 1 has been read. The other one has not been read yet: what they contain is neither established nor disproved here.
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 31 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 53038B0448/00T002 | Wallonia | 724 m² | 1 · 97 m² | 8.7 m · 1 |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “La réalisation de toutes opérations immobilières et foncières et notamment l’achat,la vente,l’échange,la construction,la location et la…” (deed in French)
2 activities (deed in French)
- La réalisation de toutes opérations immobilières et foncières et notamment l’achat,la vente,l’échange,la construction,la location et la gérance de tous immeubles ou non ainsi que l’acquisition,la gestion et la vente de toutes valeurs mobilières et de fonds publics
- S’intéresser par voie d’apport,de fusion,de souscription,de participation,d’intervention financière ou autrement,dans toutes sociétés et entreprises existantes ou à créer en Belgique ou à l’étranger,dont l’objet serait analogue ou connexe au sien ou susceptible de favoriser directement ou indirectement le développement de ses affaires
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- CLD
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Région wallonne, sièges administratifs,agences,ateliers,dépôts et succursales,tant en Belgique qu'à l'étranger” (deed in French)
Who represents it, and how
- Board ruleHow the board is made up, meets and takes decisions.
- “Avec ou sans limitation de durée, organe d'administration” (deed in French)
Capital, shares and profit
- Kind of sharesWhich classes of shares exist and what rights each class carries.
- One provision in the deed
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- One provision in the deed
- Share issue ruleHow and by whom new shares can be issued.
- One provision in the deed
Oversight and winding up
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Formes prévues pour modifications aux statuts, dissolution en tout temps” (deed in French)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “25, désigner un ou plusieurs liquidateurs et déterminer pouvoirs et émoluments” (deed in French)