CLEAR'EM
ActiveSummary
CLEAR'EM has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €18k and a net result of €6k. Equity is growing by ~68.6% per year across the filed fiscal years. Its solvency ranks better than 80% of 17043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
94
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+96
Solvency100▲+30
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 6.54 against 1.81 in 2024; short-term debt: 15.3% and cash: 99.2% of total assets), and 15.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 62
Relative position
BE, all sectors
reference
Sector 62
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
84.1%
Return on assets
27.2%
Age of the figures
9 mo
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 03-07-2026, 28 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
28 d early
2024
43 d early
2023
48 d early
2022
31 d early
2021
2 d early
2020
1 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€18k▲ 47.7%
2024 · €12k
2020: €1k
2021: €2k
2022: €14k
2023: €16k
2024: €12k
2020 → 2025
Total assets
€21k▼ 21.7%
2024 · €27k
2020: €5k
2021: €5k
2022: €21k
2023: €39k
2024: €27k
2020 → 2025
Net result
€6k
2024 · €-4k
2020: €-1k
2021: €568
2022: €13k
2023: €1k
2024: €-4k
2020 → 2025
Working capital
€18k▲ 48.7%
2024 · €12k
2020: €1k
2021: €2k
2022: €14k
2023: €16k
2024: €12k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2k-€14k▲ 673%€16k▲ 8.0%€12k▼ 22.9%€18k▲ 47.7%
Operating result€605-€14k▲ 2,288%€2k▼ 89.5%€-4k€7k
Net result€568-€13k▲ 2,120%€1k▼ 90.8%€-4k€6k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €7k after a loss of €4k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €21k
Equity
€18k ▲ 47.7%
Debt
€3k ▼ 77.6%
Debt's share of the balance-sheet total falls from 55.4% to 15.9%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
6.54▲
2024 · 1.81
Debt to equity
0.19▼
2024 · 1.24
ROE
32.3%▲
2024 · -29.8%
ROA
27.2%▲
2024 · -13.3%
Debt ≤ 1 year
€3k▼
2024 · €15k
Income taxes
€785▲
2024 · €0
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 30 lines
Balance sheet
Code20242025
Assets
Total assets20/58€27k€21k▼
Current assets29/58€27k€21k▼
Amounts receivable within one year40/41€6k€168▼
Trade receivables40€4k€120▼
Other amounts receivable41€2k€48▼
Cash at bank and in hand54/58€17k€21k▲
Deferred charges and accrued income490/1€4k€0▼
Equity and liabilities
Total equity and liabilities10/49€27k€21k▼
Equity10/15€12k€18k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€10k€15k▲
Amounts payable17/49€15k€3k▼
Amounts payable within one year42/48€15k€3k▼
Trade debts44€13k€0▼
Suppliers440/4€13k€0▼
Taxes, remuneration and social security45€0€785▲
Taxes450/3€0€785▲
Other amounts payable47/48€2k€2k=
Accrued charges and deferred income492/3-€120
Income statement
Code20242025
Other operating charges640/8€505€520▲
Gross operating margin9900€-3k€7k▲
Operating profit (loss)9901€-4k€7k▲
Financial charges65/66B€39€40▲
Recurring financial charges65€39€40▲
Profit (loss) for the period before taxes9903€-4k€7k▲
Income taxes67/77€0€785▲
Profit (loss) for the period9904€-4k€6k▲
Profit (loss) for the period to be appropriated9905€-4k€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€10k€15k▲
Profit (loss) brought forward from the previous period14P€13k€10k▼
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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 6.54
Current ratio from 1.81 to 6.54; short-term debt falls from €15k to €3k.
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-4k
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2020net €13k ▲2,120%
Operating result €14k, net result €13k, both a record.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €568
Net result €568 after one loss-making year.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Brasschaat · 1 establishment unit since 2019
Ground area
1,468 m²
Building footprint
169 m²
Volume, LiDAR
1,161 m³
Parcel 11322E0078/00S000, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
CLEAR'EM
since 20192.295.866.076
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11322E0078/00S000 | Flanders | 1,468 m² | 1 · 169 m² | 10.3 m · 2 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
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ACHILLE DERIBREUX
BE 0800.843.084
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LOGIQUEST
BE 0665.719.710
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ZUBAMAX
BE 0681.382.042
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Of 16,879 companies in sector 62100 we hold annual accounts for 8,766. 5,581 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-10-2019
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.