Cleoju
ActiveThe computed 12-month bankruptcy probability of Cleoju is 6.9% (elevated). The 2024 annual accounts show negative equity (€-68k) and a net result of €-39k. Equity is shrinking by ~112.5% per year across the filed fiscal years. Its solvency ranks better than 5% of 2091 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
15
/ 100
Critical▲ +8 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency33=
Growth32=
Stability94
Bankruptcy probability, 12 months
6.9%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.14 against 0.42 in 2023), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
-237.1%
Return on assets
-136.1%
Age of the figures
20 mo
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 10
Relative position
BE, all sectors
reference
Sector 10
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
Equity is negative for financial year 2024: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2024Equity per financial year
21222324
2021 to 2024 · latest year -€68k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-08-2025, 25 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
25 d late
2023
62 d late
2022
61 d early
2021
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€-68k▼ 135%
2023 · €-29k
2021: €37k
2022: €12k
2023: €-29k
2021 → 2024
Total assets
€29k▼ 46.8%
2023 · €54k
2021: €87k
2022: €86k
2023: €54k
2021 → 2024
Net result
€-39k▲ 4.6%
2023 · €-41k
2021: €19k
2022: €-25k
2023: €-41k
2021 → 2024
Working capital
€-83k▼ 74.3%
2023 · €-48k
2021: €29k
2022: €-6k
2023: €-48k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€37k-€12k▼ 67.6%€-29k€-68k▼ 135%
Operating result€27k-€-25k€-40k▼ 60.1%€-32k▲ 20.0%
Net result€19k-€-25k€-41k▼ 64.7%€-39k▲ 4.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €32k in 2024 against €40k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €29k
Fixed assets
€15k▼ 19.0%
Current assets
€13k▼ 61.5%
Key figures and ratios
EBITDA
€-28k▲
2023 · €-35k
Cash flow
€-35k▲
2023 · €-36k
Solvency
-237.1%▼
2023 · -53.8%
Current ratio
0.14▼
2023 · 0.42
Quick ratio
0.09▼
2023 · 0.38
Debt / equity
-1.42▲
2023 · -2.86
ROE
57.4%▼
2023 · 141.1%
ROA
-136.1%▼
2023 · -75.9%
Interest coverage
-3.93▲
2023 · -33.11
Debt
€96k▲
2023 · €83k
Debt ≤ 1 year
€96k▲
2023 · €83k
Staff costs
€2k▼
2023 · €27k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€54k€29k▼
Fixed assets21/28€19k€15k▼
Intangible fixed assets21€281€165▼
Tangible fixed assets22/27€10k€7k▼
Plant, machinery and equipment23€2k€2k▲
Furniture and vehicles24€8k€5k▼
Financial fixed assets28€9k€8k▼
Current assets29/58€35k€13k▼
Stocks and contracts in progress3€4k€4k▲
Stocks30/36€4k€4k▲
Amounts receivable within one year40/41€25k€5k▼
Trade receivables40€25k€4k▼
Other amounts receivable41€69€2k▲
Cash at bank and in hand54/58€6k€989▼
Deferred charges and accrued income490/1€254€3k▲
Equity and liabilities
Total equity and liabilities10/49€54k€29k▼
Equity10/15€-29k€-68k▼
Contributions10/11€18k€18k=
Profit (loss) carried forward14€-47k€-86k▼
Amounts payable17/49€83k€96k▲
Amounts payable within one year42/48€83k€96k▲
Financial debts43-€3k
Credit institutions430/8-€3k
Trade debts44€63k€55k▼
Suppliers440/4€63k€55k▼
Taxes, remuneration and social security45€2k€85▼
Taxes450/3€893€85▼
Remuneration and social security454/9€1k-
Other amounts payable47/48€17k€38k▲
Income statement
Code20232024
Non-recurring operating income76A-€0
Remuneration, social security and pensions62€27k€2k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▼
Other operating charges640/8€2k€5k▲
Gross operating margin9900€-6k€-21k▼
Operating profit (loss)9901€-40k€-32k▲
Financial income75/76B€79€4▼
Recurring financial income75€79€4▼
Financial charges65/66B€1k€7k▲
Recurring financial charges65€1k€7k▲
Profit (loss) for the period before taxes9903€-41k€-39k▲
Profit (loss) for the period9904€-41k€-39k▲
Profit (loss) for the period to be appropriated9905€-41k€-39k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-47k€-86k▼
Profit (loss) brought forward from the previous period14P€-6k€-47k▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
01-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 62 days late
2023
31-12
Financial
Weakest financial yearnet €-41k
Net result drops to €-41k, the lowest in the series; recovery starts the following year.
31-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Rochefort · 2 establishment units since 2020
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue Basse,Lavaux 85580 RochefortGround area
1,395 m²
Building footprint
401 m²
2 parcels, Wallonia. Linked by address, not a title deed.
2 establishment units
Cléoju srl
since 20202.310.121.316
La Page Verte
since 20242.357.102.869
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 84055B0070/00B000 | Wallonia | 811 m² | 1 · 303 m² | - |
| 91078B0331/00D000 | Wallonia | 584 m² | 1 · 97 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteLibin2.357.102.869
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SOUPL
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Of 104 companies in sector 10320 we hold annual accounts for 51. 26 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-12-2020
Fiscal year end31-12
Activities, NACEBEL
10320Manufacture of food products
46349Wholesale of beverages, general range
47120Other non-specialised retail sale
47252Retail sale of beverages, general range
47910Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:bureau@cleoju.be
Phone:+32496717255