CLEM Autos

Active

Private limited companyfounded 20215 yrs activeRue Boveroth(MCH) 1, 4837 Baelen, BelgiumKBO/BCE: BE 0760.819.894

The computed 12-month bankruptcy probability of CLEM Autos is 1.7% (moderate). The 2024 annual accounts show equity of €41k and a net result of €25k. Equity is growing by ~61.9% per year across the filed fiscal years. Its solvency ranks better than 40% of 3539 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Watch Print / PDF

Checked score

Score 2024

64 / 100

Healthy

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability90=

Solvency53▲+2

Growth78=

Track record94

Bankruptcy probability, 12 months

1.7% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €2.5k at 30 days acceptable

Liquidity short (current ratio 0.79 against 0.9 in 2023; short-term debt: 44.8% and cash: 16.3% of total assets), and 72.1% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 95

Relative position

BE, all sectors

reference

Sector 95

lower

← fewer bankruptcies more bankruptcies →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

27.9%

Return on assets

16.7%

Age of the figures

21 mo

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 16-06-2025, 45 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

not confirmed

2024

45 d early

2023

40 d early

2022

48 d early

2021

34 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€41k▲ 55.4%

2023 · €26k

2021: €10k 2022: €15k 2023: €26k

2021 → 2024

Total assets

€147k▲ 42.1%

2023 · €104k

2021: €72k 2022: €101k 2023: €104k

2021 → 2024

Net result

€25k▲ 42.0%

2023 · €17k

2021: €5k 2022: €5k 2023: €17k

2021 → 2024

Working capital

€-14k▼ 175%

2023 · €-5k

2021: €-8k 2022: €-11k 2023: €-5k

2021 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2021202220232024Trend

Equity€10k-€15k▲ 54.5%€26k▲ 72.5%€41k▲ 55.4%

Operating result€7k-€9k▲ 15.5%€24k▲ 182%€35k▲ 46.5%

Net result€5k-€5k▲ 9.9%€17k▲ 221%€25k▲ 42.0%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result has risen three years in a row; 2024 is 47% above 2023 and is the highest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €147k

64.5%

35.5%

Fixed assets €95k▲ 55.4%

Current assets €52k▲ 22.9%

Equity and liabilities €147k

27.9%

72.1%

Equity €41k▲ 55.4%

Debt €106k▲ 37.5%

The debt ratio falls from 74.5% to 72.1%. Equity and debt are higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€62k▲

2023 · €46k

Cash flow

€51k▲

2023 · €39k

Solvency

27.9%▲

2023 · 25.5%

Current ratio

0.79▼

2023 · 0.90

Quick ratio

0.65▼

2023 · 0.79

Debt / equity

2.59▼

2023 · 2.92

ROE

60.0%▼

2023 · 65.7%

ROA

16.7%▼

2023 · 16.7%

Interest coverage

21.49▼

2023 · 32.82

Debt

€106k▲

2023 · €77k

Debt ≤ 1 year

€66k▲

2023 · €48k

Debt > 1 year

€40k▲

2023 · €27k

Income taxes

€9k▲

2023 · €6k

Staff costs

€28k

Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.

Filed annual accounts

As filed with the NBB · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€104k€147k▲

Fixed assets21/28€61k€95k▲

Intangible fixed assets21€1€0▼

Tangible fixed assets22/27€61k€95k▲

Plant, machinery and equipment23€14k€11k▼

Furniture and vehicles24€36k€68k▲

Leasing and similar rights25€6k€5k▼

Other tangible fixed assets26€5k€11k▲

Current assets29/58€43k€52k▲

Stocks and contracts in progress3€5k€9k▲

Stocks30/36€5k€9k▲

Amounts receivable within one year40/41€19k€13k▼

Trade receivables40€19k€9k▼

Other amounts receivable41€312€4k▲

Cash at bank and in hand54/58€17k€24k▲

Deferred charges and accrued income490/1€2k€6k▲

Equity and liabilities

Total equity and liabilities10/49€104k€147k▲

Equity10/15€26k€41k▲

Contributions10/11€5k€5k=

Reserves13€21k€36k▲

Distributable reserves133€21k€36k▲

Profit (loss) carried forward14€448€104▼

Amounts payable17/49€77k€106k▲

Amounts payable after more than one year17€27k€40k▲

Financial debts170/4€27k€40k▲

Amounts payable within one year42/48€48k€66k▲

Current portion of amounts payable after more than one year42€29k€36k▲

Trade debts44€7k€10k▲

Suppliers440/4€7k€10k▲

Taxes, remuneration and social security45€6k€11k▲

Taxes450/3€6k€7k▲

Remuneration and social security454/9-€3k

Other amounts payable47/48€6k€10k▲

Accrued charges and deferred income492/3€2k-

Income statement Code20232024

Remuneration, social security and pensions62-€28k

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€26k▲

Other operating charges640/8€5k€5k▲

Non-recurring operating charges66A€896€889▼

Gross operating margin9900€51k€95k▲

Operating profit (loss)9901€24k€35k▲

Financial income75/76B€502€772▲

Recurring financial income75€502€772▲

Financial charges65/66B€1k€3k▲

Recurring financial charges65€1k€3k▲

Profit (loss) for the period before taxes9903€23k€33k▲

Income taxes67/77€6k€9k▲

Profit (loss) for the period9904€17k€25k▲

Profit (loss) for the period to be appropriated9905€17k€25k▲

Appropriation of the result

Profit (loss) to be appropriated9906€18k€25k▲

Profit (loss) brought forward from the previous period14P€334€448▲

Transfer to equity691/2€11k€15k▲

To other reserves6921€11k€15k▲

Profit to be distributed694/7€6k€10k▲

Return on contributions (dividend)694€6k€10k▲

The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 5Financial 1Filings 4

2025

16-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Highest result since 2021net €25k ▲42%

Operating result €35k, net result €25k, both a record.

21-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

13-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

27-06

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

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

Directors · office · real estate

Directors

1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.

Location & real-estate footprint

Registered office, Baelen · 2 establishment units since 2021

establishment All 2 establishment units on the map

Cannot be placed on the map

This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.

Rue Boveroth(MCH) 14837 Baelen

Ground area

4,495 m²

Building footprint

473 m²

Volume, LiDAR

1,461 m³

2 parcels, Wallonia · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.

2 establishment units

CLEM Autos

Route Charlemagne 147, 4841 WelkenraedtNACE 45113

since 20212.311.344.803

CLEM Autos

Rue Boveroth(MCH) 1, 4837 BaelenNACE 45113

since 20212.311.344.902

2 parcels

Wallonia 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
63032B0066/00G002	Wallonia	3,848 m²	1 · 272 m²	8.1 m · 2 fl.
63051A0257/00F000	Wallonia	647 m²	1 · 201 m²	-

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels 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

Of 7,375 companies in sector 95311 we hold annual accounts for 2,958. 2,014 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded05-01-2021

Fiscal year end31-12

Activities, NACEBEL

95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)

47811Retail sale of cars and light vans (up to 3.5 tonnes)

95313Repair and fitting of specific motor vehicle parts

77399Renting and leasing of other machinery, equipment and tangible goods

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.

Contact details

1 entry

E-mail:clemautos@gmail.com

Enterprise