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Clem Consult & Finance

Active
Private limited company (pre-2019)founded 2015active for 11 yearsRue Paul Pastur(BUZ) 26, 6230 Pont-à-Celles, BelgiumKBO/BCE: BE 0600.954.590

From the official registers: KBO 10 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

Clem Consult & Finance has been active since 2015 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€6,294) and a net result of €15,481. Equity has been shrinking by about 30% per year since 2019. Its solvency ranks better than 5% of 39,242 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Overview

Official details

KBO
Status
Active since 13-03-2015 Normal situation
Legal form
Private limited company (pre-2019)
Registered office
Rue Paul Pastur(BUZ) 26, 6230 Pont-à-Celles
Activity
Business and other management consultancy NACE 70200
Establishment unit
2.240.420.381 6230 Pont-à-Celles, since 13-03-2015
Financial year end
30 September
Peppol
Reachable since 19-12-2025

Board and ownership

Board
  • Clément FrédéricDirector

Financial position

55 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Annual accounts to 30-09-2025
Gross margin
€18,925
Turnover
≈ €87,000
estimated
Profit
€15,481
Equity
-€6,294
▲ 71.1%
Total assets
€8,767
▲ 1.4%
2025 accounts filed 28 days before the deadline
Filed on 02-04-2026PDF
Score breakdownraises riskCapped at 59: negative equityNegative equity -€6,294lowers riskSize: total assets €8,767Sector: Activities of head offices; management consultancy activities (NACE 70)Figures for financial year 2025 (filed on 04-04-2026)Show the evidence

Checked score

Score 2025
55 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 44% of micro companies in head offices and management consultancy (NACE 70)
Negative equity caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick: 2024
Weak
Solvency 0=
equity -71.8% of total assets
Liquidity 4+3
short-term debt 152.1% · cash 3.1%
Profitability 100+100
return on assets 176.6%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (48,516 companies, NACE 70, micro)
Last 24 months 11-2024: 0.4% 12-2024: 0.4%● unchanged vs 11-2024 01-2025: 0.4%● unchanged vs 12-2024 02-2025: 0.4%● unchanged vs 01-2025 03-2025: 0.4%● unchanged vs 02-2025 04-2025: 0.4%● unchanged vs 03-2025 05-2025: 0.5%▲ +0.1 percentage points vs 04-2025 06-2025: 0.5%● unchanged vs 05-2025 07-2025: 0.5%● unchanged vs 06-2025 08-2025: 0.5%● unchanged vs 07-2025 09-2025: 0.5%● unchanged vs 08-2025 10-2025: 0.5%● unchanged vs 09-2025 11-2025: 0.5%● unchanged vs 10-2025 12-2025: 0.5%● unchanged vs 11-2025 01-2026: 0.5%● unchanged vs 12-2025 02-2026: 0.5%● unchanged vs 01-2026 03-2026: 0.5%● unchanged vs 02-2026 04-2026: 0.6%▲ +0.1 percentage points vs 03-2026highest value 05-2026: 0.1%▼ -0.5 percentage points vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026 08-2026: 0.1%● unchanged vs 07-2026 09-2026: 0.1%● unchanged vs 08-2026 10-2026: 0.1%● unchanged vs 09-2026lowest value
No credit on open account
Liquidity is insufficient, with a current ratio of 0.26 (0.03 in 2024), below 1. Short-term debt is 152.1% and cash 3.1% of total assets. Equity is negative.
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 70, micro). It does better than 3% of them on solvency, 3% on liquidity, 84% on profitability and 85% on growth.

The bankruptcy probability was computed on 31-10-2026 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.

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).

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Signals

Six signals.
lowers riskraises riskneutral
lowers risk · Size: total assets €8,767
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Sector: Activities of head offices; management consultancy activities (NACE 70)
KBO
raises risk · Negative equity -€6,294
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed on 04-04-2026)
NBB · annual accounts
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 39242 sector peers (2025).
NBB · sector comparison
Position among 39242 sector peers
Solvency
better than 5%
← weakest strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 02-04-2026, 28 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
28 days early
2024
28 days early
2023
18 days early
2022
30 days early
2021
36 days early
2020
7 days early
2019
on the day
← 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 21 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 2 April (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
30-09-2026 year end01-11-2026 today30-04-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Risk: Negative equitydebts exceed assets in financial year 2025 -€6,294 View
  • Caution: Lower solvency than 95% of companies in head offices and management consultancysector median 55.6% · 39,242 companies -71.8% View
  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View

Documents

Annual accounts at the NBB

All 10 annual accounts

Acts in the Belgian Official Gazette

All publications in the Belgian Official Gazette

Articles and registers

Key facts about Clem Consult & Finance

What is the company number of Clem Consult & Finance?
The company number of Clem Consult & Finance is 0600.954.590. The VAT number is the same number with BE in front: BE 0600.954.590.
Where is Clem Consult & Finance based?
The registered office is at Rue Paul Pastur(BUZ) 26, 6230 Pont-à-Celles.Company details
What does Clem Consult & Finance do?
According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
What is the legal form of Clem Consult & Finance?
The legal form of Clem Consult & Finance is Private limited company (pre-2019) (BVBA).
When was Clem Consult & Finance founded?
Clem Consult & Finance was founded on 13-03-2015.
Is Clem Consult & Finance still active?
Yes, Clem Consult & Finance is an active enterprise in the KBO register.
What is the turnover of Clem Consult & Finance?
The turnover in financial year 2025 is ≈ €87,000. This figure is estimated from the gross margin of €18,925 and 205 comparable companies (NACE 70200). It probably lies between €41,000 and €180,000. It is a rough estimate.Financials
Is Clem Consult & Finance profitable?
In financial year 2025, Clem Consult & Finance made a profit of €15,481.
Where can I find the annual accounts of Clem Consult & Finance?
Clem Consult & Finance filed 10 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts 2025 (PDF)
When are the next annual accounts of Clem Consult & Finance due?
Clem Consult & Finance must file the annual accounts for financial year 2026 by 30-04-2027.Timeline

Comparable companies

These companies have the same main activity as Clem Consult & Finance: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €7,730 and €10,100, founded between 2011 and 2016.

CompanyTotal assetsGross margin
Clem Consult & Finance Pont-à-Celles€8,767€18,925
VIGENERE PRIVACY SOLUTIONS Les Bons Villers€10,141€16,969
Betacowork collaborative working Etterbeek€9,239€16,696
ADDICT Manage€7,725€15,244
GRAYWISE Brussel€8,783€25,976
FIVE P Watermaal-Bosvoorde€7,982€12,962
NMConsult Namur€7,858€12,564
Full comparison

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