Equity
-€7,563
Debts exceed assets in financial year 2025.
CLEEM
Overview
Lifetime
1 annual account with figurespeak -€13,149 (2025)
-€13,149
lowest -€13,563 (2025)
-€13,563
peak -€7,563 (2025)
-€7,563
€25,000
Board1 name since 2024
1 directorDEGI
Documentsfilings and deeds
31-08-202631 days late
2025micro format
Loss of €13,563First year with figures
Key points
from the 2025 annual accountsDebts
€25,000 143% of the balance sheet
Position in the sector
-43.4%
Lower solvency than 95% of companies in computer programming and consultancy. Sector median 60.0% · 21,208 companies.
2025 accounts filed 31 days after the deadlineTurnover not published (micro format)
Checked score
53
Fair
Financially stronger than 12% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,932 companies (NACE 62, micro).
About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
01-2026: 0.4%
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: 0.5%▲ +0.1 percentage points vs 06-2026
08-2026: 0.5%● unchanged vs 07-2026highest value
09-2026: 0.3%▼ -0.2 percentage points vs 08-2026
10-2026: 0.3%● unchanged vs 09-2026lowest value
11-2026: 0.4%▲ +0.1 percentage points vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€7,563
Loss of €13,563 (financial year 2025)
lowers risk
Sector: Computer programming, consultancy and related activities (NACE 62)
Size: total assets €17,437
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, micro). It does better than 3% of them on solvency, 27% on liquidity and 5% on profitability.
The bankruptcy probability was computed on 09-11-2026 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).
Comparable companies, two years later
In July 2024, 1,322 companies had the same profile as CLEEM has now. Each dot stands for 4 companies, two years later.
90.2%
were still trading
5.5%
stopped another way
4.2%
went bankrupt
The bankruptcy probability of CLEEM itself is lower: 0.4% within 12 months. It rests on far more data about CLEEM than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,322 companies, not a prediction for CLEEM. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.7, below 1. Short-term debt is 143.4% and cash 91.3% of total assets. Equity is negative.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Seven signals.
lowers riskraises risk
raises risk · Young company
Founded in 2024, a year ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2025
31 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Board and ownership
- DEGI 50 sharesdeed of 10-12-2024
- GOUBERT Jozef Maria Frans 25 sharesdeed of 10-12-2024
- GOUBERT Pieter Lode Marie Jozef 25 sharesdeed of 10-12-2024
Recent changes
Incorporation
Founding capital of €6,000, 100 shares · Founders: DEGI, GOUBERT Jozef Maria Frans and GOUBERT Pieter Lode Marie Jozef · Appointment: DEGI (director) · published on 10-12-2024 · Gazette deed
First establishment
Gentse steenweg 93, Aalst
Comparable companies
same main activity, similar in size and ageThese companies have the same main activity as CLEEM: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €15,700 and €18,200, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 05-12-2024Normal situation
- Registered office
- 12 active companies are registered at this addressSource: KBO register, as of 10 November 2026.
- Activity
- Computer consultancy and computer facilities managementNACE 62200
- Establishment unit
- 2.368.021.8049300 Aalst, since 05-12-2024
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Insights on CLEEM
CLEEM has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€7,563) and a net result of -€13,563.
Its solvency ranks better than 5% of 21,208 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 31-08-2026, 31 days late-€13,149
-€13,563
-€13,563
-€7,563
-43.4%
0.70
Turnover and EBIT margin are not published. The micro format does not require them.
Balance sheet
balance sheet total €17,437 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
-43.4%
Lower than 95% of 21,208 companies in 2025.
0.70
Higher than 9% of 20,571 companies in 2025.
-77.8%
Lower than 95% of 20,746 companies in 2025.
CLEEM
Middle half of the sector
80% of the sector
Micro accounts in computer programming and consultancy (NACE 62)
Net result: bottom quarter · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: bottom quarter
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
17,437 | |
29/58 |
17,437 | |
40/41 |
1,517 | |
40 |
263 | |
41 |
1,255 | |
54/58 |
15,920 | |
| Balance sheet: equity and liabilities | ||
10/49 |
17,437 | |
10/15 |
-7,563 | |
10/11 |
6,000 | |
14 |
-13,563 | |
17/49 |
25,000 | |
42/48 |
25,000 | |
44 |
0 | |
440/4 |
0 | |
47/48 |
25,000 | |
| Income statement | ||
9900 |
-13,149 | |
640/8 |
414 | |
9901 |
-13,563 | |
9903 |
-13,563 | |
9904 |
-13,563 | |
9905 |
-13,563 | |
| Appropriation of the result | ||
9906 |
-13,563 | |
| Document | ||
The notes to these accounts have 1 item. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 31-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 31 days after the deadline. Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00475051.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 31-08-2026 | 2026-00475051 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| -7,563 | ||
| -43.4% | ||
| 0.70 | ||
| -77.8% |
Debt to equity is not shown because equity is negative. Debt divided by negative equity means nothing.
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Insights on CLEEM
Equity is negative. Debt (€25,000) exceeds the balance-sheet total (€17,437).
Board & ownership
Board
1 director, since incorporationDEGI BV
Director (not named in the articles), permanent representative Gilles Delens
since 05-12-2024
term without a fixed end
listed in the 2025 annual accounts, filed on 31-08-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “Artikel 13. Bevoegdheden van het bestuursorgaan -Vertegenwoordiging Als er slechts één bestuurder is, is het geheel van de bevoegdheden van…”deed of 10-12-2024
Permanent representatives 1
Mandates through the years
1 name, the dashed line is todayDEGI
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- DEGI
- Director (not named in the articles), from 05-12-2024 to date
Control
Founders
DEGI, GOUBERT Jozef Maria Frans, GOUBERT Pieter Lode Marie Jozef
This company
CLEEM
Equity -€7,563
Loss €13,563 in 2025
Capital
- Contribution
- €6,000
- Shares
- 100
- Contribution per share
- €60
- Equity per share
- -€75.63 in 2025
- Source
- deed of 10-12-2024
Articles of association
deed of 10-12-2024 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director“Algemene vergadering kan mandaat van al dan niet in statuten benoemde bestuurder steeds beëindigen wegens wettige reden,zonder…”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Friday of June at 12:00
Shareholders
At incorporation
deed of 10-12-2024 ↗
- DEGI (BE 1016.811.111) 50 shares (50%) · €3,000
- GOUBERT Jozef Maria Frans 25 shares (25%) · €1,500
- GOUBERT Pieter Lode Marie Jozef 25 shares (25%) · €1,500
Network & group
No group
CLEEM has no parent and no holdings in its annual accounts. DEGI is the only director. CLEEM shares no director with another company.
At the same address
Gentse steenweg 93, 9300 Aalst · 11 other companies| VANDERBIST & PARTNERS
registered office since 22-12-2004 · founded in 2004 |
turnover €122,380 (2025) 0870.737.326 |
| Autobedrijf Europa
registered office since 27-04-1926 · founded in 1926 |
total assets €2.0m (2025) 0400.271.884 |
| Total Concept for Cycling
registered office since 07-11-1989 · founded in 1989 · negative equity (2025) |
16 FTE (2025) 0438.594.804 |
| ARJEL
registered office since 19-09-2019 · founded in 2019 |
total assets €1.3m (2025) 0734.670.971 |
| TREND 89
establishment since 21-06-1995 · founded in 1995 |
total assets €923,783 (2025) 0455.007.402 |
| M.B.
establishment since 09-03-1987 · founded in 1987 |
total assets €753,272 (2025) 0430.439.379 |
| CRIMPO
registered office since 26-03-1980 · founded in 1980 |
turnover €197,407 (2025) 0420.393.842 |
| FINELBO
registered office since 16-01-1978 · founded in 1978 |
total assets €120,961 (2025) 0417.861.152 |
| Mercurius Holding
registered office since 25-07-2017 · founded in 2017 · negative equity (2025) |
total assets €90,351 (2025) 0678.828.764 |
| MB GRUUTHUSE
registered office since 24-02-2000 · founded in 2000 |
total assets €34,036 (2025) 0471.193.039 |
Timeline
Timeline
3 events since 2024Filings
Establishments
202420252026
2026
Annual accounts 2025 filed NBBmicro format · 31 days late
2024
IncorporationFounding capital of €6,000, 100 shares · Founders: DEGI, GOUBERT Jozef Maria Frans and GOUBERT Pieter Lode Marie Jozef · Appointment: DEGI (director) · published on 10-12-20248 points ▸
- Founder, DEGI
- Founder, GOUBERT Jozef Maria Frans
- Founder, GOUBERT Pieter Lode Marie Jozef
- Founding capital, €6,000, 100 shares
- Registered office clause, Gentse steenweg 93, 9300 Aalst
- Board rule, 1
- Director appointment, DEGI (director (not named in the articles))
- Permanent representative, Gilles Delens
- The deed holds 3 more points.
First establishment Gentse steenweg 93, Aalst
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1017.036.090
- VAT number
- BE 1017.036.090
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 05-12-2024
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Friday of June at 12:00deed of 10-12-2024 (in Dutch)
- Peppol
- Not found in the Peppol Directory
- Name
- CLEEM in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 10-12-2024 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 10-12-2024 (in Dutch)
Activities
NACEBEL 202562200
Computer consultancy and computer facilities management main activity
Codes under NACEBEL 2008
62020
IT consultancy main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Het opstellen van data analyse en management rapportages; Dienstverlening bieden in de ruimste vorm met betrekking tot(automatisatie…”deed of 10-12-2024 (in Dutch)
12 activities
- Het opstellen van data analyse en management rapportages;
- Dienstverlening bieden in de ruimste vorm met betrekking tot(automatisatie van)facturatie,betalingen,invorderingen en administratieve ondersteuning;
- Het beheren,verwerken onder welke vorm ook en analyseren van data voor,maar niet beperkt tot,klantenbeheer en creditmanagement activiteiten;
- Het uitvoeren van enquêtes en solvabiliteitsonderzoeken en ander marktonderzoek,het verstrekken van handelsinformatie,het beheren van bestanden en adresgegevens;
- Het ontwerpen,implementeren en commercialiseren van producten en processen die commerciële en financiële garanties bieden,zelfs onder licentie;
- Het leveren van diensten en ondersteuning op gebied van facturatie,klantenbeheer,debiteurenbeheer en geschillenbetwisting;
- Het ontvangen van betalingen voor rekening van derden;
- Het geven van management-,commercieel,financieel,juridisch en bedrijfsadvies en ondersteuning in de ruimste zin met uitzondering van adviesverschaffing inzake beleggingen en geldplaatsingen;
- Het aanbieden rechtstreeks en onrechtstreeks,van bijstand en diensten aan bedrijven,juridische entiteiten en administraties die gebruik maken van bovenvermelde producten en diensten,ook onder licentie;
- Het vertegenwoordigen van bedrijven,burgerlijke en administratieve entiteiten en overheden in de ruimste zin;
- Het organiseren van studies,congressen,beurzen en meetings via alle mogelijke kanalen en media;
- De invordering en inning van schuldvorderingen,zowel minnelijk als via gerechtelijke weg.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Gentse steenweg 93 registered office 9300 Aalst 70200 Business and other management consultancy | 05-12-2024 | 2.368.021.804 |
Buildings and parcels at the address
- Ground area
- 45 m²
- Buildings
- 45 m²
- Volume, LiDAR
- 455 m³
- Tallest building
- 12.1 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 41302C0549/00T011 | 45 m² | 1 · 45 m² | 12.1 m · 3 |