Summary
Clémelle is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €895,499 and a net result of €221,542. Equity is growing by ~19% per year across the filed fiscal years. Its solvency ranks better than 37% of 5651 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
What they do
Activities of holding companies
NACE 64210Holdings NACE 64200
1 site
How big
€2.4mtotal assets 2025
- Equity
- €895,499
- Profit
- €221,542
Turnover not published (abridged schema)
Financially healthy?
Financial institution: outside the modelProbability: sector outside the model
Who decides
- Holdings
- 1
Accounts 3 d early0 of 3 deeds read
SignalsLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 27-04-2026, 3 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
3 d early
2024
20 d early
2023
4 d early
2022
40 d early
2021
40 d early
2020
39 d early
2019
27 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 25 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 10 April (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 close01-10-2026 today30-04-2027 deadline
- Annual accounts filedfiscal year 2025 · abbreviated…
- Annual accounts filedfiscal year 2024 · abbreviated…
- Equity above €500,000Eq €673,957 ▲66.5%
Financials
Fiscal year 2025Total assets €2.4mProfit €221,542Solvency 37.3%Liquidity 0.84
Total assets
€2.4m▲ 2.1%
2019 - 2025
Net result
€221,542▼ 17.7%
2019 - 2025
Equity
€895,499▲ 32.9%
2019 - 2025
Solvency
37.3%▲ 8.6pp
2019 - 2025
Financials · fiscal year 2025, abbreviated schema
Trend over the years
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€0.2m▼ 19.6%€0.4m▲ 105%€0.06m▼ 85.8%€0.4m▲ 591%€0.4m▼ 4.5%
Net result€0.1mwithin the sector's middle half▼ 23.5%€0.3mabove the sector's middle half▲ 117%€0.007mwithin the sector's middle half▼ 97.6%€0.3mabove the sector's middle half▲ 3,900%€0.2mabove the sector's middle half▼ 17.7%
Equity€0.4mwithin the sector's middle half▲ 4.2%€0.4mwithin the sector's middle half▼ 5.9%€0.4mwithin the sector's middle half▲ 1.7%€0.7mwithin the sector's middle half▲ 66.5%€0.9mwithin the sector's middle half▲ 32.9%
Total assets€2.3mwithin the sector's middle half▲ 78.6%€2.2mwithin the sector's middle half▼ 7.2%€2.3mwithin the sector's middle half▲ 6.1%€2.4mwithin the sector's middle half▲ 3.0%€2.4mwithin the sector's middle half▲ 2.1%
Debt€1.9m▲ 112%€1.8m▼ 7.5%€1.9m▲ 7.1%€1.7m▼ 10.7%€1.5m▼ 10.2%
Working capital€0.1mwithin the sector's middle half▼ 60.4%-€0.08mwithin the sector's middle half-€0.2mbelow the sector's middle half▼ 149%-€0.1mwithin the sector's middle half▲ 39.2%-€0.1mwithin the sector's middle half▲ 17.1%
Solvency18.2%below the sector's middle half▼ 13.0pp18.5%below the sector's middle half▲ 0.3pp17.7%below the sector's middle half▼ 0.8pp28.6%within the sector's middle half▲ 10.9pp37.3%within the sector's middle half▲ 8.6pp
Current ratio1.53within the sector's middle half▼ 1.610.75within the sector's middle half▼ 0.790.66within the sector's middle half▼ 0.090.80within the sector's middle half▲ 0.140.84within the sector's middle half▲ 0.05
Return on assets (ROA)5.6%within the sector's middle half▼ 7.5pp13.0%above the sector's middle half▲ 7.5pp0.3%below the sector's middle half▼ 12.8pp11.4%within the sector's middle half▲ 11.1pp9.2%within the sector's middle half▼ 2.2pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result and balance sheet
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 4% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.4m
Fixed assets
€1.9m ▼ 0.9%
Current assets
€523,827 ▲ 14.7%
Equity and liabilities €2.4m
Equity
€895,499 ▲ 32.9%
Debt
€1.5m ▼ 10.2%
Debt's share of the balance-sheet total falls from 71.4% to 62.7%. Equity is higher and debt is lower.
Key figures and ratios
Key figures and ratios
ROE
24.7%▼
2024 · 40.0%
Debt ≤ 1 year
€620,393▲
2024 · €573,374
Debt > 1 year
€881,776▼
2024 · €1.1m
Income taxes
€115,642▲
2024 · €89,764
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €22,485 | €13,683 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €23,460 | €17,864 | €19,496 | €17,891 | €17,548 | ▼ 1.9% |
| Other operating charges640/8 | - | €3,878 | €3,185 | €6,779 | €4,313 | ▼ 36.4% |
| Gross operating margin9900 | €229,163 | €434,386 | €81,225 | €429,169 | €408,211 | ▼ 4.9% |
| Operating profit (loss)9901 | €201,273 | €412,644 | €58,544 | €404,499 | €386,350 | ▼ 4.5% |
| Financial income75/76B | - | - | - | €1 | - | - |
| Recurring financial income75 | - | - | - | €1 | - | - |
| Financial charges65/66B | - | €27,297 | €42,377 | €45,437 | €49,166 | ▲ 8.2% |
| Recurring financial charges65 | €17,538 | €27,297 | €42,377 | €45,437 | €49,166 | ▲ 8.2% |
| Profit (loss) for the period before taxes9903 | €183,735 | €385,347 | €16,167 | €359,063 | €337,184 | ▼ 6.1% |
| Income taxes67/77 | €54,107 | €104,244 | €9,435 | €89,764 | €115,642 | ▲ 28.8% |
| Profit (loss) for the period9904 | €129,628 | €281,103 | €6,732 | €269,299 | €221,542 | ▼ 17.7% |
| Profit (loss) for the period to be appropriated9905 | €129,628 | €281,103 | €6,732 | €269,299 | €221,542 | ▼ 17.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.3m | €2.2m | €2.3m | €2.4m | €2.4m | ▲ 2.1% |
| Fixed assets21/28 | €1.9m | €1.9m | €1.9m | €1.9m | €1.9m | ▼ 0.9% |
| Tangible fixed assets22/27 | €0.8m | €0.8m | €0.8m | €0.8m | €0.8m | ▼ 2.3% |
| Land and buildings22 | - | €0.8m | €0.8m | €0.8m | €0.7m | ▼ 1.6% |
| Plant, machinery and equipment23 | - | €0.02m | €0.02m | €0.02m | €0.01m | ▼ 33.9% |
| Furniture and vehicles24 | - | €0.008m | €0.006m | - | - | - |
| Financial fixed assets28 | €1.1m | €1.1m | €1.1m | €1.1m | €1.1m | = |
| Current assets29/58 | €0.4m | €0.2m | €0.4m | €0.5m | €0.5m | ▲ 14.7% |
| Amounts receivable after more than one year29 | - | €0.09m | €0.2m | €0.2m | €0.2m | = |
| Other amounts receivable291 | - | €0.09m | €0.2m | €0.2m | €0.2m | = |
| Amounts receivable within one year40/41 | €0.1m | €0.06m | €0.09m | €0.1m | €0.3m | ▲ 98.4% |
| Trade receivables40 | - | €0.06m | €0.05m | €0.04m | €0.09m | ▲ 114% |
| Other amounts receivable41 | - | - | €0.04m | €0.09m | €0.2m | ▲ 91.7% |
| Current investments50/53 | €0.08m | €0.08m | - | - | - | - |
| Cash at bank and in hand54/58 | €0.003m | €0.003m | €0.06m | €0.1m | €0.04m | ▼ 62.3% |
| Deferred charges and accrued income490/1 | - | - | €0.001m | €0.002m | €0.002m | ▲ 7.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.3m | €2.2m | €2.3m | €2.4m | €2.4m | ▲ 2.1% |
| Equity10/15 | €0.4m | €0.4m | €0.4m | €0.7m | €0.9m | ▲ 32.9% |
| Contributions10/11 | - | €0.02m | €0.02m | €0.02m | €0.02m | = |
| Reserves13 | €0.4m | €0.4m | €0.4m | €0.7m | €0.9m | ▲ 33.8% |
| Distributable reserves133 | - | €0.4m | €0.4m | €0.7m | €0.9m | ▲ 33.8% |
| Amounts payable17/49 | €1.9m | €1.8m | €1.9m | €1.7m | €1.5m | ▼ 10.2% |
| Amounts payable after more than one year17 | €1.7m | €1.5m | €1.3m | €1.1m | €0.9m | ▼ 20.1% |
| Financial debts170/4 | - | €1.5m | €1.3m | €1.1m | €0.9m | ▼ 20.1% |
| Amounts payable within one year42/48 | €0.2m | €0.3m | €0.6m | €0.6m | €0.6m | ▲ 8.2% |
| Current portion of amounts payable after more than one year42 | - | €0.2m | €0.2m | €0.2m | €0.2m | ▲ 0.8% |
| Financial debts43 | - | €0.02m | €0.03m | €0.02m | - | - |
| Credit institutions430/8 | - | €0.02m | €0.03m | €0.02m | - | - |
| Trade debts44 | €0.003m | €497 | €0.3m | €0.002m | €0.002m | ▲ 6.2% |
| Suppliers440/4 | - | €497 | €0.3m | €0.002m | €0.002m | ▲ 6.2% |
| Taxes, remuneration and social security45 | - | €0.08m | €0.03m | €0.05m | €0.1m | ▲ 177% |
| Taxes450/3 | - | €0.08m | €0.03m | €0.05m | €0.1m | ▲ 177% |
| Other amounts payable47/48 | - | €0.001m | €0.001m | €0.3m | €0.3m | ▼ 9.0% |
| Accrued charges and deferred income492/3 | - | - | - | €0.003m | €0.005m | ▲ 89.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €129,628 | €281,103 | €6,732 | €269,299 | €221,542 | ▼ 17.7% |
| + Depreciation and write-downs630 | €23,460 | €17,864 | €19,496 | €17,891 | €17,548 | ▼ 1.9% |
| Operating cash flow (approximation) | €153,088 | €298,967 | €26,228 | €287,190 | €239,090 | ▼ 16.7% |
| Investment in fixed assets (approximation) | - | -€1 | -€10,206 | €5,567 | €0 | ▼ 100% |
| Change in cash | - | -€462 | €55,118 | €46,909 | -€65,251 | ▼ 239% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
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Of 24,721 companies in this sector we hold annual accounts for 19,804. 12,937 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Board & ownership
1 holding
Directors
Directors
No directors read yet: 0 of 3 Gazette acts processed. See the function holders in the CBE →
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 30-09-2025 list no shareholders, and no other source names one.
Holdings 1
-
29.98%
According to the annual accounts to 30-09-2025 of Clémelle and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No directors read yet: 0 of 3 Gazette acts processed.
Timeline
11 eventsLatest 27-04-2026Next filing 30-04-2027
History
Acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
10-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Equity above €500,000Eq €673,957 ▲66.5%
6 profitable years in a row build equity to €673,957.
26-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Weakest financial yearnet €6,732 ▼97.6%
Net result drops to €6,732, the lowest in the series; recovery starts the following year.
21-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
Financial
Highest result since 2019net €281,103 ▲117%
Operating result €412,644, net result €281,103, both a record.
21-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
22-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
03-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
22-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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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Company details
Private limited company · founded 20-10-2017Year ends 30-09Peppol reachable1 site
Register details
Identification
Legal formPrivate limited company
Founded20-10-2017
Fiscal year end30-09
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0683547617
Also
9925:BE0683547617
Registered
02-09-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Lendelede · 1 establishment unit since 2017
Ground area
1.3 ha
Building footprint
177 m²
Volume, LiDAR
1,146 m³
Parcel 34025A0796/00D000, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Clémelle
since 2017unit no. 2.269.209.189
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34025A0796/00D000 | Flanders | 1.3 ha | 1 · 177 m² | 9.1 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.
Go further with this company
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