CLEMDEM
ActiveSummary
CLEMDEM has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €75,141 and a net result of €27,965. Equity is growing by ~18.2% per year across the filed fiscal years. Its solvency ranks better than 52% of 17179 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability97▼-2
Solvency87▲+3
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days acceptable
Liquidity ample (current ratio 2.5 against 2.35 in 2024; short-term debt: 38.2% and cash: 45.5% of total assets), and 38.4% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
61.6%
Return on assets
22.9%
Age of the figures
9 mo
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 31-07-2026, 0 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
29 d late
2022
on the day
2021
2 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 5 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€75,141=
2024 · €75,141
Total assets
€122,000▼ 3.5%
2024 · €126,394
Net result
€27,965▼ 9.8%
2024 · €31,018
Working capital
€69,826▲ 6.2%
2024 · €65,755
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€34,536-€28,032▼ 18.8%€43,352▲ 54.7%€40,010▼ 7.7%€35,171▼ 12.1%
Net result€24,088within the sector's middle half-€18,823within the sector's middle half▼ 21.9%€30,229within the sector's middle half▲ 60.6%€31,018within the sector's middle half▲ 2.6%€27,965within the sector's middle half▼ 9.8%
Equity€26,088below the sector's middle half-€44,912within the sector's middle half▲ 72.2%€75,141within the sector's middle half▲ 67.3%€75,141within the sector's middle half=€75,141within the sector's middle half=
Total assets€62,236below the sector's middle half-€76,076within the sector's middle half▲ 22.2%€109,291within the sector's middle half▲ 43.7%€126,394within the sector's middle half▲ 15.6%€122,000within the sector's middle half▼ 3.5%
Debt€36,148-€31,164▼ 13.8%€34,150▲ 9.6%€51,253▲ 50.1%€46,860▼ 8.6%
Working capital€16,270-€34,011▲ 109%€66,314▲ 95.0%€65,755▼ 0.8%€69,826▲ 6.2%
Solvency41.9%within the sector's middle half-59.0%within the sector's middle half▲ 17.1pp68.8%within the sector's middle half▲ 9.7pp59.4%within the sector's middle half▼ 9.3pp61.6%within the sector's middle half▲ 2.1pp
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 12% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €122,000
Fixed assets
€5,515 ▼ 53.1%
Current assets
€116,485 ▲ 1.6%
Equity and liabilities €122,000
Equity
€75,141 =
Debt
€46,860 ▼ 8.6%
Debt's share of the balance-sheet total falls from 40.6% to 38.4%. Debt is lower.
Key figures and ratios
EBITDA
€43,707▼
2024 · €48,349
Cash flow
€36,501▼
2024 · €39,357
Current ratio
2.50▲
2024 · 2.35
Debt to equity
0.62▼
2024 · 0.68
ROE
37.2%▼
2024 · 41.3%
ROA
22.9%▼
2024 · 24.5%
Interest coverage
189.69▲
2024 · 140.62
Debt ≤ 1 year
€46,660▼
2024 · €48,879
Income taxes
€8,816▼
2024 · €9,448
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,964 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.5%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,964 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,432 | €8,539 | €8,800 | €8,338 | €8,536 | ▲ 2.4% |
| Other operating charges640/8 | €1,522 | €706 | €746 | €1,228 | €798 | ▼ 35.0% |
| Gross operating margin9900 | €42,490 | €37,276 | €52,898 | €49,577 | €44,505 | ▼ 10.2% |
| Operating profit (loss)9901 | €34,536 | €28,032 | €43,352 | €40,010 | €35,171 | ▼ 12.1% |
| Financial income75/76B | €4 | €0 | €229 | €800 | €1,840 | ▲ 130% |
| Recurring financial income75 | €4 | €0 | €229 | €800 | €1,840 | ▲ 130% |
| Financial charges65/66B | €371 | €522 | €453 | €344 | €230 | ▼ 33.0% |
| Recurring financial charges65 | €371 | €522 | €453 | €344 | €230 | ▼ 33.0% |
| Profit (loss) for the period before taxes9903 | €34,169 | €27,510 | €43,127 | €40,466 | €36,781 | ▼ 9.1% |
| Income taxes67/77 | €10,081 | €8,687 | €12,898 | €9,448 | €8,816 | ▼ 6.7% |
| Profit (loss) for the period9904 | €24,088 | €18,823 | €30,229 | €31,018 | €27,965 | ▼ 9.8% |
| Profit (loss) for the period to be appropriated9905 | €24,088 | €18,823 | €30,229 | €31,018 | €27,965 | ▼ 9.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €62,236 | €76,076 | €109,291 | €126,394 | €122,000 | ▼ 3.5% |
| Fixed assets21/28 | €33,036 | €27,274 | €18,474 | €11,760 | €5,515 | ▼ 53.1% |
| Tangible fixed assets22/27 | €33,036 | €27,274 | €18,474 | €11,760 | €5,515 | ▼ 53.1% |
| Furniture and vehicles24 | €33,036 | €27,274 | €18,474 | €11,760 | €5,515 | ▼ 53.1% |
| Current assets29/58 | €29,200 | €48,802 | €90,818 | €114,634 | €116,485 | ▲ 1.6% |
| Amounts receivable within one year40/41 | €119 | €318 | €319 | €800 | €59,330 | ▲ 7,314% |
| Trade receivables40 | - | - | - | - | €13,165 | - |
| Other amounts receivable41 | €119 | €318 | €319 | €800 | €46,165 | ▲ 5,669% |
| Cash at bank and in hand54/58 | €27,408 | €48,350 | €90,345 | €113,833 | €55,457 | ▼ 51.3% |
| Deferred charges and accrued income490/1 | €1,673 | €134 | €154 | - | €1,698 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €62,236 | €76,076 | €109,291 | €126,394 | €122,000 | ▼ 3.5% |
| Equity10/15 | €26,088 | €44,912 | €75,141 | €75,141 | €75,141 | = |
| Contributions10/11 | €2,000 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Reserves13 | €24,088 | €42,912 | €73,141 | €73,141 | €73,141 | = |
| Distributable reserves133 | €24,088 | €42,912 | €73,141 | €73,141 | €73,141 | = |
| Amounts payable17/49 | €36,148 | €31,164 | €34,150 | €51,253 | €46,860 | ▼ 8.6% |
| Amounts payable after more than one year17 | €23,218 | €16,373 | €9,426 | €2,374 | - | - |
| Financial debts170/4 | €23,218 | €16,373 | €9,426 | €2,374 | - | - |
| Amounts payable within one year42/48 | €12,930 | €14,791 | €24,504 | €48,879 | €46,660 | ▼ 4.5% |
| Current portion of amounts payable after more than one year42 | €6,744 | €6,845 | €7,522 | €7,052 | €2,374 | ▼ 66.3% |
| Trade debts44 | €107 | €32 | €396 | €154 | €1,887 | ▲ 1,126% |
| Suppliers440/4 | €107 | €32 | €396 | €154 | €1,887 | ▲ 1,126% |
| Taxes, remuneration and social security45 | €6,079 | €6,585 | €15,508 | €9,708 | €14,433 | ▲ 48.7% |
| Taxes450/3 | €6,079 | €6,585 | €12,708 | €9,708 | €11,633 | ▲ 19.8% |
| Remuneration and social security454/9 | - | - | €2,800 | - | €2,800 | - |
| Other amounts payable47/48 | - | €1,329 | €1,077 | €31,965 | €27,965 | ▼ 12.5% |
| Accrued charges and deferred income492/3 | - | - | €221 | - | €200 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €24,088 | €18,823 | €30,229 | €31,018 | €27,965 | ▼ 9.8% |
| + Depreciation and write-downs630 | €6,432 | €8,539 | €8,800 | €8,338 | €8,536 | ▲ 2.4% |
| Operating cash flow (approximation) | €30,520 | €27,362 | €39,030 | €39,357 | €36,501 | ▼ 7.3% |
| Investment in fixed assets (approximation) | - | -€2,777 | €0 | -€1,625 | -€2,291 | ▼ 41.0% |
| Change in cash | - | €20,942 | €41,995 | €23,489 | -€58,376 | ▼ 349% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €31,018 ▲2.6%
Net result €31,018, the highest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €18,823 ▼21.9%
Net result drops to €18,823, the lowest in the series; recovery starts the following year.
29-07
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.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 acts for this company are 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, Estaimpuis · 1 establishment unit since 2021
Ground area
1,257 m²
Building footprint
118 m²
Volume, LiDAR
800 m³
Parcel 57028A0080/00E000, Wallonia · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CLEMDEM
since 20212.315.181.251
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57028A0080/00E000 | Wallonia | 1,257 m² | 1 · 118 m² | 10.1 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 16,911 companies in sector 62100 we hold annual accounts for 8,786. 6,952 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded29-03-2021
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
47400Retail sale of information and communication equipment
62200Computer consultancy and computer facilities management
Contact
Website
factory.clemdem.be
E-mail
factory@clemdem.be
E-invoicing
Reachable via Peppol
Peppol ID
0208:0765772735
Also
9925:BE0765772735
Registered
02-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.