Equity
€63.9m from €113.6m in 2014
Equity fell by 44% in 11 years.
CLEAR2PAY
Lifetime
20 annual accounts with figures on one time axis, 25 filings since 2001peak €3.0m (2006)
-not published
lowest -€26.1m (2012)
€119,562▼ 93.9%
peak €113.6m (2014)
€63.9m▲ 0.2%
€6.0m▼ 43.0%
peak 23.4 FTE (2006)
-not published
Board37 names since 2003all names
3 directorsMartin Robert Boyd and 2 others
Owners6 names in the annual accounts
100%Fidelity National Information Services (Netherlands) B.V. and 1 other
Documentsfilings and deeds
01-07-202630 days before the deadline
2025financial year
Result from €2.0m to €119,562Powers of attorney: Emma Christine Martin and Louise Katharin… 15-10Resignation: Govert Doedijns (persoon belast met het dagelijk… 11-06Powers of attorney: Andres Ken Shuyama and Emma Christine Martin 06-05Reappointment: KPMG Bedrijfsrevisoren BV (statutory auditor) 20-01Debts from €10.5m to €6.0m
Key points
from the 2025 annual accountsResult
€119,562 ▼ 93.9%
The result fell in 2025 from €2.0m to €119,562.
Liquidity
3.63 was 2.48 in 2024
Short-term debts fell from €10.4m to €6.0m.
Filings
25 annual accounts 40 filings since 2001
Six of the last ten came late. The 2021 accounts came latest: 403 days after the end of the period.
At the same address
6 companies
Position in the sector
91.5%
Higher solvency than 95% of companies in computer programming and consultancy. Sector median 39.3% · 1,691 companies.
Standalone figures, without subsidiaries
Checked score
87
Excellent
Financially stronger than 62% of large companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 39 companies (NACE 62, large).
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.6%
01-2025: 0.6%● unchanged vs 12-2024
02-2025: 0.6%● unchanged vs 01-2025
03-2025: 0.6%● unchanged vs 02-2025
04-2025: 0.6%● unchanged vs 03-2025
05-2025: 0.6%● unchanged vs 04-2025
06-2025: 0.7%▲ +0.1 percentage points vs 05-2025
07-2025: 0.7%● unchanged vs 06-2025highest value
08-2025: 0.4%▼ -0.3 percentage points vs 07-2025
09-2025: 0.4%● unchanged vs 08-2025
10-2025: 0.4%● unchanged vs 09-2025
11-2025: 0.4%● unchanged vs 10-2025
12-2025: 0.4%● unchanged vs 11-2025
01-2026: 0.4%● unchanged vs 12-2025
02-2026: 0.4%● unchanged vs 01-2026
03-2026: 0.4%● unchanged vs 02-2026
04-2026: 0.4%● unchanged vs 03-2026
05-2026: 0.4%● unchanged vs 04-2026
06-2026: 0.4%● unchanged vs 05-2026
07-2026: 0.4%● unchanged vs 06-2026
08-2026: 0.3%▼ -0.1 percentage points vs 07-2026lowest value
09-2026: 0.3%● unchanged vs 08-2026lowest value
10-2026: 0.3%● unchanged vs 09-2026lowest value
11-2026: 0.3%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Liquidity: current ratio 3.63
1 of the last 3 accounts late
lowers risk
Size: total assets €69.9m, files consolidated accounts
Sector: Computer programming, consultancy and related activities (NACE 62)
Calculation
The band follows from the bankruptcy probability. 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 62, large). It does better than 95% of them on solvency, 99% on liquidity, 19% on profitability and 36% on growth.
The bankruptcy probability was computed on 10-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Credit verdict
Credit of up to €5,550,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.63 (2.48 in 2024), above the usual 1.5. Short-term debt is 8.5% of total assets. 8.5% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 01-07-2026, 30 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
30 days early
2024
28 days early
2023
56 days late
2022
73 days late
2021
403 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 5 accounts on average 95 days after the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 26 September (4 of the last 5 accounts filed within 87 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- Fidelity National Information Services (Netherlands) B.V. 100%annual accounts 2025
- Fidelity National Information Services Inc. consolidatesannual accounts 2025
Shares in 4 companies, including CLEAR2PAY BELGIUM and Clear2Pay France SAS
Board & ownershipRecent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0472753848
Resignation: Govert Doedijns (persoon belast met het dagelijkse bestuur)
Board meeting of 16-05-2025 · Gazette deed
Reappointment: KPMG Bedrijfsrevisoren BV (statutory auditor)
Permanent representative: Jeroen Trumpener · General meeting of 23-12-2024 · Gazette deed
Resignations: Charles Keller (managing director) and Ann M. Vasileff (persoon belast met het dagelijkse bestuur)
Board meeting of 03-05-2024 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CLEAR2PAY Machelen (Brab.) | - | - | 91.5% | - |
| ACTITO Ottignies-Louvain-la-Neuve | €17.1m | 0.6% | 41.4% | 55.6 |
| IMAGE LINE Ghent | €46.7m | 67.6% | 42.9% | 5 |
| THE CAPITAL MARKETS COMPANY Machelen (Brab.) | €8.6m | 4.2% | 63.7% | 46 |
| Collaboration Betters The World Sint-Gillis (bij-Brussel) | €62.8m | 1.3% | 19.9% | 319.1 |
| GOOGLE BELGIUM Brussels | €95.8m | 15.9% | 74.3% | 143.6 |
| KONICA MINOLTA BUSINESS SOLUTIONS (BELGIUM) N.V./S.A. Machelen (Brab.) | €46.1m | 0.0% | 57.2% | 168.2 |
These companies have the same main activity as CLEAR2PAY: other information technology and computer services (NACE 62900). They are comparable in size and age: total assets between €34m and €106m, founded between 1994 and 2008.
Official details
Source: KBO- Status
- Active since 13-09-2000Normal situation
- Activity
- Other information technology and computer servicesNACE 62900
- Joint committee
- 200Auxiliary committee for white-collar workers · annual accounts 2021
- Establishment unit
- 2.096.836.3301831 Machelen (Brab.), since 28-09-2001
- Financial year end
- 31 December
- Peppol
- Reachable since 23-12-2025
Annual accounts 2025
- €69.9m▼ 5.9%
- Filing
- Filed on 01-07-2026, 30 days before the end of the filing period
Insights on CLEAR2PAY
CLEAR2PAY has existed since 2000. Turnover fell from €2.5m in 2008 to €184,499 in 2009.
Solvency rose in 2025 from 85.9% to 91.5% because of the retained profit and lower debts.
Fidelity National Information Services (Netherlands) B.V. holds all the shares.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about CLEAR2PAY
- What is the company number of CLEAR2PAY?
- The company number of CLEAR2PAY is 0472.753.848. The VAT number is the same number with BE in front: BE 0472.753.848.
- Where is CLEAR2PAY based?
- The registered office is at De Kleetlaan 6A, 1831 Machelen (Brab.).Company details
- What does CLEAR2PAY do?
- According to the KBO register, the main activity is other information technology and computer services (NACE 62900).
- What is the legal form of CLEAR2PAY?
- CLEAR2PAY is a private limited company (BV).
- When was CLEAR2PAY founded?
- CLEAR2PAY was founded on 13-09-2000.
- Is CLEAR2PAY still active?
- Yes, CLEAR2PAY is an active enterprise in the KBO register.
- How many employees does CLEAR2PAY have?
- CLEAR2PAY had an average of 2 full-time equivalents in financial year 2020, according to the filed annual accounts.Financials
- Which joint committee does CLEAR2PAY fall under?
- In its 2021 annual accounts, CLEAR2PAY states joint committee 200 (Auxiliary committee for white-collar workers).
- What is the turnover of CLEAR2PAY?
- The annual accounts for financial year 2025 state no turnover.
- Is CLEAR2PAY profitable?
- In financial year 2025, CLEAR2PAY made a profit of €119,562.
- Where can I find the annual accounts of CLEAR2PAY?
- CLEAR2PAY filed 40 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CLEAR2PAY due?
- CLEAR2PAY must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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