Investments
€6,877 1.6 × depreciation
Green is investment, beige is depreciation.
CLEJO
Lifetime
18 annual accounts with figures on one time axis, 28 filings since 1997peak €28,599 (2008)
€8,332▲ 50.7%
lowest -€16,449 (2022)
€820▲ €5,198
peak €392,733 (2022)
€384,067▲ 0.2%
€153,296▼ 3.1%
Board3 names since 2016
-
Documentsfilings and deeds
29-06-202632 days before the deadline
2025micro format
Gross margin from €5,530 to €8,332Back to profit: €820Cash from €2,529 to €810
Key points
from the 2025 annual accountsFilings
28 annual accounts since 1997
Four of the last ten came late. The 2019 accounts came latest: 60 days after the end of the period.
Position in the sector
€384,067
More equity than 95% of companies in construction of buildings. Sector median €45,553 · 9,465 companies.
Checked score
83
Excellent
Financially stronger than 45% of micro companies in construction of buildings (NACE 41)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,460 companies (NACE 41, micro).
About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 3.1%
01-2025: 5.1%▲ +2.0 percentage points vs 12-2024
02-2025: 5.1%● unchanged vs 01-2025
03-2025: 5.2%▲ +0.1 percentage points vs 02-2025
04-2025: 4.8%▼ -0.4 percentage points vs 03-2025
05-2025: 4.8%● unchanged vs 04-2025
06-2025: 4.8%● unchanged vs 05-2025
07-2025: 4.8%● unchanged vs 06-2025
08-2025: 6.4%▲ +1.6 percentage points vs 07-2025highest value
09-2025: 0.3%▼ -6.1 percentage points vs 08-2025
10-2025: 0.3%● unchanged vs 09-2025
11-2025: 0.3%● unchanged vs 10-2025
12-2025: 0.3%● unchanged vs 11-2025lowest value
01-2026: 0.3%● unchanged vs 12-2025lowest value
02-2026: 0.3%● unchanged vs 01-2026
03-2026: 0.3%● unchanged vs 02-2026
04-2026: 0.3%● unchanged vs 03-2026
05-2026: 0.4%▲ +0.1 percentage points vs 04-2026
06-2026: 0.3%▼ -0.1 percentage points vs 05-2026
07-2026: 0.4%▲ +0.1 percentage points vs 06-2026
08-2026: 0.7%▲ +0.3 percentage points vs 07-2026
09-2026: 0.9%▲ +0.2 percentage points vs 08-2026
10-2026: 0.4%▼ -0.5 percentage points vs 09-2026
11-2026: 0.4%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Sector: Construction of residential and non-residential buildings (NACE 41)
Liquidity: current ratio 0.91, cash €810, halved
lowers risk
Founded in 1996
Equity €384,067 (71.5% of total assets)
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 41, micro). It does better than 81% of them on solvency, 40% on liquidity, 24% 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).
Comparable companies, two years later
In July 2024, 14,766 companies had the same profile as CLEJO has now. Each dot stands for 37 companies, two years later.
96.2%
were still trading
3.5%
stopped another way
0.2%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of CLEJO itself: 0.4% within 12 months.
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 14,766 companies, not a prediction for CLEJO. 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
Credit of up to €30,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.91 (0.99 in 2024), below 1. Short-term debt is 21.9% and cash 0.2% of total assets. 28.5% of the assets are financed with debt and provisions.
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
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 29-06-2026, 32 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
32 days early
2024
1 day late
2022
on the day
2021
4 days early
2020
8 days early
2019
60 days late
2018
12 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 1 day after the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% 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 27 July (5 of the last 5 accounts filed within 30 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
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0457693312
Share issue · Amendment of the articles
Issue of 668 shares · General meeting of 28-07-2022 · Gazette deed
Changes of role: JORDENS, Lodewijk Frans; JORDENS, Kris Theo Jozef and JANSSENS, Maria Josea Victoria Virginia
“Het uitvoeren en/of coördineren van algemene aannemingen,het bouwen en verbouwen,het onderhoud,de…” (deed in Dutch) · Legal-form conversion: from public limited company to private limited company · General meeting of 30-09-2021 · Gazette deed
1 director appointed, 2 reappointments
Appointment: Kris Jordens · Reappointments: Lodewijk Jordens and Janssens Maria · General meeting of 31-01-2019 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CLEJO Diest | €537,364 | €8,332 | 71.5% | - |
| ANDY MAES BOUWWERKEN Zottegem | €558,508 | €7,292 | 92.9% | - |
| CAPA Antwerp | €583,514 | €10,634 | 35.4% | - |
| B.A.I.N. Holsbeek | €859,059 | €7,890 | -4.1% | - |
| BOUWBEDRIJF WOUTERS Bilzen-Hoeselt | €510,595 | €11,832 | 10.4% | - |
| CLIMMO BORNEM Hamme (Vl.) | €387,844 | €8,075 | 17.7% | - |
| O.G. CONCEPT Charleroi | €645,157 | €9,639 | 39.9% | - |
These companies have the same main activity as CLEJO: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €388,000 and €859,000, founded between 1994 and 2002.
Official details
Source: KBO- Status
- Active since 26-03-1996Normal situation
- Activity
- General construction of residential buildingsNACE 41001
- Establishment unit
- 2.076.716.0553290 Diest, since 31-05-1996
- Financial year end
- 31 December
- Peppol
- Reachable since 03-12-2025
Annual accounts 2025
- ≈ €100,000estimated
- €537,364▼ 0.8%
- Filing
- Filed on 29-06-2026, 32 days before the end of the filing period
Insights on CLEJO
CLEJO files the micro format. That format states no turnover. The gross margin fell from €21,136 in 2007 to €8,332 in 2025.
The balance sheet grew most from 2020 to 2022 through fixed assets.
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 CLEJO
- What is the company number of CLEJO?
- The company number of CLEJO is 0457.693.312. The VAT number is the same number with BE in front: BE 0457.693.312.
- Where is CLEJO based?
- The registered office is at Koning Albertstraat 19, 3290 Diest.Company details
- What does CLEJO do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of CLEJO?
- CLEJO is a private limited company (BV).
- When was CLEJO founded?
- CLEJO was founded on 26-03-1996.
- Is CLEJO still active?
- Yes, CLEJO is an active enterprise in the KBO register.
- What is the turnover of CLEJO?
- The turnover in financial year 2025 is ≈ €100,000. This figure is estimated from the gross margin of €8,332 and 263 comparable companies (NACE 41001). It probably lies between €52,000 and €180,000. It is a rough estimate.Financials
- Is CLEJO profitable?
- In financial year 2025, CLEJO made a profit of €820.
- Where can I find the annual accounts of CLEJO?
- CLEJO filed 28 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CLEJO due?
- CLEJO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
See how customers, suppliers and banks see your own company and what to improve first.