Active BE 0786.930.712Private limited company

Clepkens Lemey

Kollebloemstraat 37 ·9030 Gent, Belgium· 4 yrs active

Sector: Agenten en makelaars in bankdiensten (66191)

Conclusion Checked

Clepkens Lemey is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €65k and a net result of €653k. Its solvency ranks better than 31% of 229 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Key figures

Equity	€65k
Net result	€653k
Staff (FTE)	5.7
Better than sector	31%

Financial profile 4 of 5 axes measured · computed by Checked

64 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.

Health -

Profitability 100

Solvency 10

Growth 52

Stability 94

Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2022, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Health barometer

Model not applicable to financial institutions

The health 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.

Financial overview2 NBB filings

Annual accounts filed on 27-08-2025 with the NBB · fiscal year 2024 · verkort

Operating resultNet result

Sector comparison

Fiscal year 2024 · NACE 66 · compared within the same schema type (abbreviated schema)

Metric	This company	Sector median	Position in the sector
Solvency	4.8%	21.1%	better than 31% of 229 sector peers
Net result	€653k	€65k	better than 95% of 229 sector peers
Equity	€65k	€128k	better than 37% of 229 sector peers
Gross operating margin	€1.33M	€405k	better than 85% of 228 sector peers
Staff costs	€384k	€353k	higher than 55% of 151 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Net profit

€653k

-4.9% 23-24

Total assets

€1.35M

+12.7% 23-24

Equity

€65k

+448.4% 23-24

Employees (FTE)

6

-3.4% 23-24

Staff costs

€384k

-21.4% 23-24

Income taxes

€234k

-3.2% 23-24

Dividends

€600k

-11.8% 23-24

Debt

€1.29M

+8.4% 23-24

Show 5 other metrics

Debt ≤ 1y

€1.18M

+12.3% 23-24

Debt > 1y

€113k

-20.8% 23-24

Solvency

4.8%

+386.6% 23-24

ROE

1003.2%

-82.7% 23-24

ROA

48.3%

-15.6% 23-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	verkort
Revenue	n/a
EBITDA	n/a
Net profit	€653k
Cash flow	n/a
Staff costs	€384k
Income taxes	€234k
Dividends	€600k
Total assets	€1.35M
Equity	€65k
Debt	€1.29M
of which ≤ 1y	€1.18M
of which > 1y	€113k
Working capital	n/a
Employees (FTE)	5.7

Ratios (computed)

	2024
Current ratio	n/a
Quick ratio	n/a
Working capital ratio	n/a
Solvency	4.8%
Debt / equity	n/a
Long-term debt ratio	n/a
Interest coverage	n/a
Gross margin	n/a
Net margin	n/a
ROA	48.3%
ROE	1003.2%
EBITDA margin	n/a
Days sales outstanding	n/a
Days payable outstanding	n/a
Inventory turnover	n/a
Days inventory (DSI)	n/a

Balance-sheet composition 2024

Assets

Fixed assets €391k · 28.9% Current assets €962k · 71.1%

Equity & liabilities

Equity €65k · 4.8% Debt €1.29M · 95.2%

Full annual accounts (23 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€1.35M
Fixed assets	21/28	€391k
Intangible fixed assets	21	€341k
Tangible fixed assets	22/27	€50k
Current assets	29/58	€962k
Amounts receivable within one year	40/41	€124k
Cash & bank	54/58	€838k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€1.35M
Equity	10/15	€65k
Contributions / capital	10/11	€5k
Reserves	13	€60k
Amounts payable	17/49	€1.29M
Amounts payable after one year	17	€113k
Amounts payable within one year	42/48	€1.18M
Trade debts payable within one year	44	€12k
Income statement
Gross operating margin	9900	€1.33M
Operating result	9901	€874k
Financial income	75	€18k
Financial charges	65	€4k
Result before taxes	9903	€887k
Income taxes	67/77	€234k
Net result for the period	9904	€653k
Result to be appropriated	9905	€653k

This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →

Ratios computed by Checked.

Legal Structure

NACE primary	Agenten en makelaars in bankdiensten(66191)
Legal form	Private limited company(610)
Incorporation	08-06-2022
Status	Active
Postal code	9030

Establishment units 1 location

Kollebloemstraat 37, 9030 Gent

Agenten en makelaars in bankdiensten

since 20222.338.588.143

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
44038A0431/00E002	Flanders	756 m²	1 · 146 m²	9.5 m · 2 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 3 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025

27-08-2025

NBB filing Annual accounts filed

fiscal year 2024 · verkort

18-08-2025

State Gazette act Capital & shares

Kelly Spelte

2024

29-08-2024

NBB filing Annual accounts filed

fiscal year 2023 · verkort

Belgian State Gazette reading coverage 0 of 2 acts read

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.

Belgisch Staatsblad, acts 1 acts

Capital history · 1

18-08-2025

Capital change

All acts · 1 updated 1 year ago

2025

18-08-2025 Restructuring of share classes Capital & shares·Kelly Spelte

Notary: Kelly Spelte · Evergem

Original publication ↗

Technical details

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  ],
  "notary": {
    "name": "Kelly Spelte",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Evergem",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2025-08-18",
    "filing_date": "2025-08-06",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
    "body": "buitengewone_algemene_vergadering",
    "act_date": "2024-12-17",
    "unanimous": true,
    "under_authorized_capital": false,
    "underlying_resolution_date": "2024-12-17"
  },
  "bedrijfsrevisor": null,
  "subject_company": {
    "kbo": "0786.930.712",
    "name_full": "CLEPKENS LEMEY",
    "legal_form": "besloten vennootschap",
    "is_foreign_registered": false
  },
  "publication_proxy": {
    "kind": null,
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    "org_name": null,
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    "person_role_at_subject": null
  },
  "co_filed_documents": [
    "afschrift van het pv",
    "verslag van de raad van bestuur"
  ],
  "shareholders_after": [],
  "share_classes_after": [
    {
      "n_shares": 100,
      "class_name": "Aandelen A",
      "capital_share_eur": null,
      "voting_rights_per_share": 1.0
    },
    {
      "n_shares": 100,
      "class_name": "Aandelen B",
      "capital_share_eur": null,
      "voting_rights_per_share": 0.0
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}

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Agenten en makelaars in bankdiensten66191Agenten en makelaars in bankdiensten66191

Primary activity highlighted.

Names & trade names

Legal nameNL

Clepkens Lemey

Registered office

Kollebloemstraat 37

9030 Gent, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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