ClemTech
ActiveFrom the official registers: KBO 2 annual accounts at the National Bank publications in the Belgian Official Gazette
Summary
The annual accounts of ClemTech for financial year 2025 show a net loss of 60% of total assets and of 98% of the equity at the start of that year. The 2025 annual accounts show equity of €165 and a net result of -€9,344. Its solvency ranks better than 10% of 21,130 sector peers (NACE 62, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.2% (very low).
Overview
Overview
Official details
KBO- Status
- Active since 01-09-2023 Normal situation
- Activity
- Computer consultancy and computer facilities management NACE 62200and 3 others
- Establishment unit
- 2.348.866.381 4800 Verviers, since 01-09-2023
- Financial year end
- 30 June
- Peppol
- Reachable since 15-11-2025
Board and ownership
- Christine LAURENTDirector
- Laurent NIHOULDirector
- Clément NIHOULDirector
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.2%
- Gross margin
- -€4,532
- ▼ 11.8%
- Loss
- €9,344
- ▲ 3.9%
- Equity
- €165
- ▼ 98.3%
- Total assets
- €15,668
- ▼ 33.4%
Score breakdownraises riskCapped at 59: a net loss of at least half of total assets or of the equity at the start of the financial yearLoss of €9,344, the second in a row (financial year 2025)Equity €165 (1.1% of total assets)lowers riskSector: Computer programming, consultancy and related activities (NACE 62)Size: total assets €15,668Show the evidence
Checked score
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
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 62, micro). It does better than 9% of them on solvency, 21% on liquidity, 5% on profitability and 4% 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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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 2 accounts on average 1 day after the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 12-01-2026 PDF all 2 filings
2024 to 2025, 2 financial years
The operating result for 2025 is a loss of €8,487, larger than the loss of €8,359 in 2024.
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Computer programming, consultancy and related activities (NACE 62). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio and return on assets (ROA).
Comparable companies
These companies have the same main activity as ClemTech: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €14,200 and €17,600, founded in 2023.
| Company | Founded | Total assets | Equity | Gross margin | Turnover | Net result | Financial year |
|---|---|---|---|---|---|---|---|
| ClemTech Verviers | 2023 | €15,668 | €165 | -€4,532 | - | -€9,344 | 2025 |
| NSOps Blégny | 2023 | €17,626 | €12,204 | -€44 | - | -€92 | 2025 |
| MY INFOTECH Charleroi | 2023 | €15,517 | €10,804 | -€687 | - | -€765 | 2025 |
| FABMAX INVEST Mol | 2023 | €16,334 | €9,334 | €0 | €0 | -€2,953 | 2025 |
| AA Tech Sint-Gillis (bij-Brussel) | 2023 | €17,388 | €4,293 | -€17,310 | - | -€19,682 | 2025 |
| MM EVOLUTION Ukkel | 2023 | €17,216 | €1,826 | -€12,212 | - | -€14,276 | 2025 |
| OTRO AI Tielt-Winge | 2023 | €14,235 | -€9,432 | -€11,101 | - | -€11,989 | 2024 |
They were chosen from the 18,969 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity
Companies with the same profile, two years later
Historical observationIn July 2024, 757 companies had the same profile as ClemTech has now. Two years later, 7.9% had gone bankrupt and 86.8% were still going.
- Micro
- 2 to 5 years old
- solvency under 10%
- a loss of 10% of the balance sheet or more
Another 0.5% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of ClemTech itself is lower: 0.2% within 12 months. It rests on far more data about ClemTech than the profile alone.
Test of the method
The method was tested on the 497,445 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 757 companies, not a prediction for ClemTech. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,198 | €3,849 | ▼ 8.3% |
| Other operating charges640/8 | €106 | €106 | = |
| Gross operating margin9900 | -€4,054 | -€4,532 | ▼ 11.8% |
| Operating profit (loss)9901 | -€8,359 | -€8,487 | ▼ 1.5% |
| Financial income75/76B | €11 | €0 | ▼ 100% |
| Recurring financial income75 | €11 | €0 | ▼ 100% |
| Financial charges65/66B | €643 | €857 | ▲ 33.3% |
| Recurring financial charges65 | €643 | €857 | ▲ 33.3% |
| Profit (loss) for the period before taxes9903 | -€8,991 | -€9,344 | ▼ 3.9% |
| Profit (loss) for the period9904 | -€8,991 | -€9,344 | ▼ 3.9% |
| Profit (loss) for the period to be appropriated9905 | -€8,991 | -€9,344 | ▼ 3.9% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €23,518 | €15,668 | ▼ 33.4% |
| Fixed assets21/28 | €16,343 | €12,494 | ▼ 23.6% |
| Tangible fixed assets22/27 | €16,343 | €12,494 | ▼ 23.6% |
| Furniture and vehicles24 | €16,343 | €12,494 | ▼ 23.6% |
| Current assets29/58 | €7,175 | €3,174 | ▼ 55.8% |
| Amounts receivable within one year40/41 | €2,235 | €638 | ▼ 71.5% |
| Other amounts receivable41 | €2,235 | €638 | ▼ 71.5% |
| Cash at bank and in hand54/58 | €4,940 | €2,536 | ▼ 48.7% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €23,518 | €15,668 | ▼ 33.4% |
| Equity10/15 | €9,509 | €165 | ▼ 98.3% |
| Contributions10/11 | €18,500 | €18,500 | = |
| Profit (loss) carried forward14 | -€8,991 | -€18,335 | ▼ 104% |
| Amounts payable17/49 | €14,009 | €15,503 | ▲ 10.7% |
| Amounts payable after more than one year17 | €10,853 | €7,701 | ▼ 29.0% |
| Financial debts170/4 | €10,853 | €7,701 | ▼ 29.0% |
| Amounts payable within one year42/48 | €3,155 | €7,802 | ▲ 147% |
| Current portion of amounts payable after more than one year42 | €2,997 | €3,152 | ▲ 5.2% |
| Taxes, remuneration and social security45 | €159 | €0 | ▼ 100% |
| Taxes450/3 | €159 | €0 | ▼ 100% |
| Other amounts payable47/48 | - | €4,650 | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | -€8,991 | -€9,344 | ▼ 3.9% |
| + Depreciation and write-downs630 | €4,198 | €3,849 | ▼ 8.3% |
| Operating cash flow (approximation) | -€4,793 | -€5,495 | ▼ 14.7% |
| Investment in fixed assets (approximation) | - | €0 | - |
| Change in cash | - | -€2,404 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Board & ownership
Directors
Owners and capital
Shareholders
- NIHOUL Clément François Jules Hubert 35 shares (35%) · €6,475 in cash
- LAURENT Christine Marie-Louise Patricia 65 shares (65%) · €12,025 in cash
Capital transactions
- 05-09-2023 Incorporation · €18,500 · 100 shares
- 05-09-2023 Capital conversion · €18,500
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| Christine LAURENT |
|
| Clément NIHOUL |
|
| Laurent NIHOUL |
|
Articles of association
Board and representation
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Un ou plusieurs, assemblée”
Audit, dissolution and liquidation
- Dissolution ruleThe articles set when and by whom the company can be dissolved.
- “Assemblée générale, délibérant comme en matière de modification aux statuts”“Formes prévues pour modifications aux statuts, assemblée générale”
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “Pouvoirs ou émoluments, un ou plusieurs liquidateurs”
Articles of association, deed of 05-09-2023 (in French)
Network & group
Connections & network
1 connected companyThe connected companies are in the list below.
Timeline
Acts, filings and financial milestones
11-12
Gazette deed
Appointment: Laurent NIHOUL (director)Resignation: Clément NIHOUL (director) · Director discharge5 points ▸
- General meeting, 21-11-2025
- Director appointment, Laurent NIHOUL (director)
- Director resignation, Clément NIHOUL (director)
- Director discharge, Clément NIHOUL
- Other provision, “remerciement pour exercice du mandat jusqu'à ce jour” (deed in French)
05-09
Gazette deed
IncorporationAppointments: NIHOUL Clément François Jules Hubert (director) and LAURENT Christine Marie-Louise Patricia (director) · Permanent representative: NIHOUL Clément François Jules Hubert · Founder11 points ▸
- Incorporation, 31-08-2023
- Founder, NIHOUL Clément François Jules Hubert
- Founder, LAURENT Christine Marie-Louise Patricia
- Founding capital, €18,500
- Bank account, “BE29 3631 6347 6564”, 18500 (deed in French)
- Capital conversion, 18500, “apports initiaux constatés par acte de constitution” (deed in French)
- Registered office clause, “4800 VERVIERS (Petit-Rechain), rue Fernand Chaumont 49, à l'unanimité des voix par assemblée générale” (deed in French)
- Director appointment, NIHOUL Clément François Jules Hubert (director (not named in the articles))
- Director appointment, LAURENT Christine Marie-Louise Patricia (director (not named in the articles))
- Permanent representative, NIHOUL Clément François Jules Hubert (représentant permanent de la société)
- Pre-incorporation commitments, ratification, “tous engagements et tous droits et obligations souscrits en son nom en formation” (deed in French)
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 20257 activities
- Toute activité d’audit et de conseil stratégique ou opérationnel à destination des entreprises au sens le plus large du terme(management,gestion des risques,communication,finance,administration,etc.)
- L’achat,la transformation,le montage,la vente et la livraison d’articles de consommation non-alimentaires
- La négociation de matériel
- L’achat,le montage et la vente de matériel informatique,tant hardware que software,ainsi que la prestation de services divers dans le secteur informatique(maintenance,réparation,dépannage,développement,formation,création et gestion de sites internet,etc.)
- Toute activité de transport rémunéré de marchandises,meubles,véhicules,objets de toutes natures quelles qu’ils soient pour compte de tier tant national qu’international,ferroviaire,fluvial,routier et aérien ainsi que toutes les opérations qui ont un rapport avec le transport comme par exemple le transport ou la tractions de containers sur toute,le chargement et le déchargement ainsi que toutes autres manipulations de marchandises
- Toutes opération en rapport avec des biens immobilier et des droits réels immobiliers,tels que la location-vente de biens immobiliers à des tiers,l’achat,la vente,l’échange,la construction,la transformation,l’entretien,la location,le lotissement,la prospection et l’exploitation de biens immobiliers
- La participation à la création et au développement d’entreprises industrielles,commerciales,financières ou immobilières et l’assistance de ces entreprises,que ce soit par des prêts,des avantages,des garanties ou de toute autre manière
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
1 establishment unit
Buildings and parcels at the address
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 63059A0195/00P006 | Wallonia | 150 m² | 1 · 142 m² | 7.1 m · 2 |