Active BE 0479.663.812Private limited company (pre-2019)

CLEAR VISION

Sneppenlaan(M) 44 ·3630 Maasmechelen, Belgium· 23 yrs active

Sector: Activities of holding companies (64210)

Conclusion Checked

CLEAR VISION is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €345k and a net result of €61k. Equity is growing by ~5.9% per year across the filed fiscal years. Its solvency ranks better than 73% of 5424 sector peers (fiscal year 2025). The company has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 5 annual accounts.

Key figures

Equity	€345k
Net result	€61k
Better than sector	73%
Active	23 yrs

Financial profile 4 of 5 axes measured · computed by Checked

92 / 100

Strong profile, led by solvency.

Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.

Health -

Profitability 89

Solvency 100

Growth 78

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Long-established

Founded in 2003, 23 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score

Model not applicable to financial institutions

The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.

Financial overview22 NBB filings

Annual accounts filed on 07-07-2026 with the NBB · fiscal year 2025 · abbreviated schema

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~5.9%/year over 5 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 64, Financial service activities, except insurance and pension funding · compared within the same schema type (abbreviated schema)

Metric	This company	Sector median	Position in the sector
Solvency	76.8%	51.8%	better than 73% of 5424 sector peers
Net result	€61k	€53k	better than 53% of 5425 sector peers
Equity	€345k	€622k	better than 37% of 5425 sector peers
Gross operating margin	€54k	€87k	better than 39% of 5421 sector peers
Total assets	€449k	€1.54M	better than 19% of 5425 sector peers

Net profit

€61k

+348.0% 21-25

Total assets

€449k

+17.4% 21-25

Equity

€345k

+21.6% 21-25

Income taxes

€19k

+68.5% 21-25

Dividends

€0

-100.0% 21-25

Debt

€50k

+11.9% 21-25

Debt ≤ 1y

€50k

+11.9% 21-25

Debt > 1y

€0

-100.0% 21-25

Solvency

76.8%

+3.6% 21-25

ROE

17.8%

+268.3% 21-25

ROA

13.7%

+281.5% 21-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025	2024	2023	2022	2021
Deposit	abbreviated schema	abbreviated schema	abbreviated schema	abbreviated schema	abbreviated schema
Revenue	n/a	n/a	n/a	n/a	n/a
EBITDA	n/a	n/a	n/a	n/a	n/a
Net profit	€61k	€14k	€10k	€16k	€13k
Cash flow	n/a	n/a	n/a	n/a	n/a
Staff costs	-	-	-	-	-
Income taxes	€19k	€11k	€8k	€10k	€7k
Dividends	-	-	-	€0	€66k
Total assets	€449k	€382k	€390k	€404k	€324k
Equity	€345k	€283k	€270k	€260k	€244k
Debt	€50k	€44k	€67k	€90k	€26k
of which ≤ 1y	€50k	€44k	€64k	€75k	€24k
of which > 1y	-	€0	€3k	€15k	-
Working capital	n/a	n/a	n/a	n/a	n/a
Employees (FTE)	-	-	-	-	-

Ratios (computed)

	2025	2024	2023	2022	2021
Current ratio	n/a	n/a	n/a	n/a	n/a
Quick ratio	n/a	n/a	n/a	n/a	n/a
Working capital ratio	n/a	n/a	n/a	n/a	n/a
Solvency	76.8%	74.2%	69.1%	64.4%	75.3%
Debt / equity	n/a	n/a	n/a	n/a	n/a
Long-term debt ratio	n/a	n/a	n/a	n/a	n/a
Interest coverage	n/a	n/a	n/a	n/a	n/a
Gross margin	n/a	n/a	n/a	n/a	n/a
Net margin	n/a	n/a	n/a	n/a	n/a
ROA	13.7%	3.6%	2.5%	4.0%	3.9%
ROE	17.8%	4.8%	3.6%	6.3%	5.2%
EBITDA margin	n/a	n/a	n/a	n/a	n/a
Days sales outstanding	n/a	n/a	n/a	n/a	n/a
Days payable outstanding	n/a	n/a	n/a	n/a	n/a
Inventory turnover	n/a	n/a	n/a	n/a	n/a
Days inventory (DSI)	n/a	n/a	n/a	n/a	n/a

Balance-sheet composition 2025

Assets

Fixed assets €119k · 26.6% Current assets €329k · 73.4%

Equity & liabilities

Equity €345k · 76.8% Provisions €54k · 12.1% Debt €50k · 11.1%

Full annual accounts (26 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025	2024	2023	2022	2021
Balance sheet, Assets
TOTAL ASSETS	20/58	€449k	€382k	€390k	€404k	€324k
Fixed assets	21/28	€119k	€127k	€156k	€174k	€105k
Tangible fixed assets	22/27	€32k	€39k	€69k	€86k	€18k
Financial fixed assets	28	€88k	€88k	€88k	€88k	€88k
Current assets	29/58	€329k	€255k	€234k	€230k	€218k
Amounts receivable within one year	40/41	€31k	€30k	€30k	€62k	€69k
Investments	50/53	€283k	€218k	€193k	€164k	€144k
Cash & bank	54/58	€13k	€5k	€9k	€3k	€3k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€449k	€382k	€390k	€404k	€324k
Equity	10/15	€345k	€283k	€270k	€260k	€244k
Contributions / capital	10/11	€14k	€14k	€14k	€14k	€14k
Reserves	13	€331k	€269k	€256k	€246k	€230k
Accumulated profits (losses)	14	-	-	-	€0	€0
Provisions & deferred taxes	16	€54k	€54k	€54k	€54k	€54k
Amounts payable	17/49	€50k	€44k	€67k	€90k	€26k
Amounts payable after one year	17	-	€0	€3k	€15k	-
Amounts payable within one year	42/48	€50k	€44k	€64k	€75k	€24k
Trade debts payable within one year	44	€9k	€3k	€3k	€9k	€4k
Income statement
Gross operating margin	9900	€54k	€43k	€35k	€43k	€27k
Operating result	9901	€39k	€24k	€12k	€31k	€18k
Financial income	75	€41k	€1k	€480	€1k	€2k
Financial charges	65	€424	€299	€-5k	€6k	€109
Result before taxes	9903	€80k	€25k	€17k	€27k	€20k
Income taxes	67/77	€19k	€11k	€8k	€10k	€7k
Net result for the period	9904	€61k	€14k	€10k	€16k	€13k
Result to be appropriated	9905	€61k	€14k	€10k	€16k	€13k

Legal Structure

NACE primary	Activities of holding companies(64210)
Legal form	Private limited company (pre-2019)(015)
Incorporation	27-02-2003
Status	Active
Postal code	3630

Establishment units 1 location

Sneppenlaan(M) 44, 3630 Maasmechelen

NACE 7210001

since 20032.127.177.039

Real-estate footprint Source: CBE × cadastre

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
73048C1945/00S000	Flanders	1,055 m²	1 · 199 m²	6.6 m · 2 fl.

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.

Updates 10 events

All 12Financial 2Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

07-07

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

2025

31-12

Financial Highest result since 2021net €61k ▲348%

Operating result €39k, net result €61k, both a record.

14-07

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema

2024

09-07

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema

2023

31-12

Financial Weakest financial yearnet €10k ▼40.9%

Net result drops to €10k, the lowest in the series; recovery starts the following year.

26-07

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema

2022

19-07

NBB filing Annual accounts filed

fiscal year 2021 · abbreviated schema

2021

30-07

NBB filing Annual accounts filed

fiscal year 2020 · abbreviated schema

2020

04-09

NBB filing Annual accounts filed

fiscal year 2019 · abbreviated schema · 35 days late

2019

24-07

NBB filing Annual accounts filed

fiscal year 2018 · micro schema

2018

24-08

NBB filing Annual accounts filed

fiscal year 2017 · micro schema · 24 days late

2017

15-06

NBB filing Annual accounts filed

fiscal year 2016 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Belgian State Gazette reading coverage 0 of 2 acts read

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Holdings64200Activities of holding companies64210Retail trade47812Renting and leasing of sports and recreation goods77210

Names & trade names

Legal nameNL

CLEAR VISION

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