Financials
- Fiscal year
- 2025
- Total assets
- €12,343
- Loss
- -€5,526
- Solvency
- 15.5%
Total assets▼ 12.5%
Net result
20192025
CLEMS INVEST
ActiveSummary
The annual accounts of CLEMS INVEST for fiscal year 2025 show a net loss of 74% of the equity at the start of that year. The 2025 annual accounts show equity of €1,907 and a net result of -€5,526. Equity is shrinking by ~29.1% per year across the filed fiscal years. Its solvency ranks better than 23% of 5451 sector peers (fiscal year 2025). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.4% (very low).
Overview
Activity
General cleaning of buildings
NACE 81210
1 site
Size
€12,343total assets 2025
- Equity
- €1,907
- Loss
- -€5,526
Turnover not published (abridged schema)
Structure
Accounts 163 d early0 of 5 deeds read
Why 54Capped at 59: a net loss of at least half of total assets or of the equity at the start of the financial year- Loss of €5,526 (FY 2025)- Sector Services to buildings and landscape activities (NACE 81)+ Size: total assets €12,343+ Liquidity: current ratio 1.18, cash €7,043Show the evidence
Checked score
Score 2025
54
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 22% of its sector peers (NACE 81, micro)
Performance against the sector, not lower risk
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59. Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency
40-38
equity 15.5% of total assets
Liquidity
53-24
short-term debt 84.5% · cash 57.1%
Profitability
0-82
return on assets -44.8%
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 0.3%
12-2024: 0.1%▼ -66.7% vs 11-2024lowest value
01-2025: 0.1%● 0.0% vs 12-2024lowest value
02-2025: 0.1%● 0.0% vs 01-2025lowest value
03-2025: 0.1%● 0.0% vs 02-2025lowest value
04-2025: 0.1%● 0.0% vs 03-2025lowest value
05-2025: 0.1%● 0.0% vs 04-2025lowest value
06-2025: 0.1%● 0.0% vs 05-2025lowest value
07-2025: 0.1%● 0.0% vs 06-2025lowest value
08-2025: 0.1%● 0.0% vs 07-2025lowest value
09-2025: 0.4%▲ +275% vs 08-2025
10-2025: 0.4%● 0.0% vs 09-2025
11-2025: 0.4%● 0.0% vs 10-2025
12-2025: 0.4%● 0.0% vs 11-2025
01-2026: 0.4%● 0.0% vs 12-2025
02-2026: 0.4%● 0.0% vs 01-2026
03-2026: 0.4%● 0.0% vs 02-2026
04-2026: 0.4%● 0.0% vs 03-2026
05-2026: 0.4%● 0.0% vs 04-2026
06-2026: 0.4%● 0.0% vs 05-2026
07-2026: 0.4%▼ -1.2% vs 06-2026
08-2026: 0.4%▲ +3.5% vs 07-2026
09-2026: 0.4%▲ +1.0% vs 08-2026highest value
10-2026: 0.4%▼ -4.8% vs 09-2026
- Size: total assets €12,343 lowers the probability for this profile
- Loss of €5,526 (FY 2025) raises the probability
- Sector Services to buildings and landscape activities (NACE 81) raises the probability
- Liquidity: current ratio 1.18, cash €7,043 lowers the probability
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.18 against 1.81 in 2024; short-term debt: 84.5% and cash: 57.1% of total assets), and 84.5% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 81, micro). Better than this share of them on solvency 23%, liquidity 54%, profitability 4%, growth against the median 6%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 5451 sector peers (2025).
NBB · sector comparisonPosition among 5451 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 21-08-2025, 163 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
163 d early
2024
84 d early
2023
105 d early
2022
61 d early
2021
103 d early
2020
131 d early
2019
94 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 106 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 43% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 20 October (4 of the last 5 filed years within 42 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close05-10-2026 today31-01-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Annual accounts filedfiscal year 2024 · micro…
- Back to profitnet €1,498
Key points
By topic
Timeline
- Events
- 12
- Since
- 2016
- Next accounts
- by 31-01-2027
- 21-08-2025Annual accounts filed
- 08-11-2024Annual accounts filed
- 30-06-2024Back to profit
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- General cleaning of buildingsNACE 81210
- Founded
- 18-11-2008
- Year ends
- 30-06
- Peppol
- Reachable for e-invoices
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