Cleve.A
ActiveSummary
Cleve.A has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-18k) and a net result of €-9k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 9% of 18400 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.49 against 0.57 in 2024; short-term debt: 205.6% and cash: 100% of total assets), and equity is negative.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+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 2025Solvency, return and age of the figures
Solvency
-105.6%
Return on assets
-55.9%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-18k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-03-2026, 137 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
137 d early
2024
147 d early
2023
154 d early
2022
153 d early
2021
165 d early
2020
150 d early
2019
88 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€42k
EBIT margin
27.4%
Net result
€-9k▼ 62.9%
2024 · €-6k
2018: €-1k
2019: €-3k▼ -118% vs 2018
2020: €-4k▼ -34.1% vs 2019
2021: €12k▲ +430% vs 2020highest in 8 years
2022: €-6k▼ -148% vs 2021
2023: €-7k▼ -22.1% vs 2022
2024: €-6k▲ +15.0% vs 2023
2025: €-9k▼ -62.9% vs 2024lowest in 8 years
2018 → 2025
Working capital
€-18k▼ 112%
2024 · €-8k
2018: €4k
2020: €-2k
2021: €10k▲ +639% vs 2020highest value
2022: €4k▼ -56.9% vs 2021
2023: €-3k▼ -161% vs 2022
2024: €-8k▼ -223% vs 2023
2025: €-18k▼ -112% vs 2024lowest value
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€42k-
Equity€10k-€4k▼ 56.9%€-3k€-8k▼ 223%€-18k▼ 112%
2021: €10khighest in 5 years
2022: €4k▼ -56.9% vs 2021
2023: €-3k▼ -161% vs 2022
2024: €-8k▼ -223% vs 2023
2025: €-18k▼ -112% vs 2024lowest in 5 years
Operating result€12k-€-5k€-6k▼ 18.8%€-6k▲ 11.0%€-9k▼ 64.3%
2021: €12khighest in 5 years
2022: €-5k▼ -146% vs 2021
2023: €-6k▼ -18.8% vs 2022
2024: €-6k▲ +11.0% vs 2023
2025: €-9k▼ -64.3% vs 2024lowest in 5 years
Net result€12k-€-6k€-7k▼ 22.1%€-6k▲ 15.0%€-9k▼ 62.9%
2021: €12khighest in 5 years
2022: €-6k▼ -148% vs 2021
2023: €-7k▼ -22.1% vs 2022
2024: €-6k▲ +15.0% vs 2023
2025: €-9k▼ -62.9% vs 2024lowest in 5 years
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €9k in 2025 against €6k in 2024; the loss grows and 2025 has the lowest result in the available series.
Key figures and ratios
Solvency
-105.6%▼
2024 · -77.0%
Current ratio
0.49▼
2024 · 0.57
Debt to equity
-1.95▲
2024 · -2.30
ROA
-55.9%▼
2024 · -53.1%
Debt
€35k▲
2024 · €19k
Debt ≤ 1 year
€35k▲
2024 · €19k
Staff costs
€26k▼
2024 · €30k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 31 lines
Balance sheet
Code20242025
Assets
Total assets20/58€11k€17k▲
Current assets29/58€11k€17k▲
Amounts receivable within one year40/41€7k-
Trade receivables40€7k-
Cash at bank and in hand54/58€4k€17k▲
Equity and liabilities
Total equity and liabilities10/49€11k€17k▲
Equity10/15€-8k€-18k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-29k€-38k▼
Amounts payable17/49€19k€35k▲
Amounts payable within one year42/48€19k€35k▲
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€14k€4k▼
Taxes450/3€8k€4k▼
Remuneration and social security454/9€7k-
Other amounts payable47/48€3k€26k▲
Income statement
Code20242025
Remuneration, social security and pensions62€30k€26k▼
Other operating charges640/8€2k€991▼
Gross operating margin9900€26k€18k▼
Operating profit (loss)9901€-6k€-9k▼
Financial charges65/66B€68€30▼
Recurring financial charges65€68€30▼
Profit (loss) for the period before taxes9903€-6k€-9k▼
Profit (loss) for the period9904€-6k€-9k▼
Profit (loss) for the period to be appropriated9905€-6k€-9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-29k€-38k▼
Profit (loss) brought forward from the previous period14P€-23k€-29k▼
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €42k | - | - | - | - | - |
| Remuneration, social security and pensions62 | - | €33k | €34k | €30k | €26k | ▼ 12.3% |
| Other operating charges640/8 | - | - | €1k | €2k | €991 | ▼ 51.0% |
| Gross operating margin9900 | €26k | €28k | €28k | €26k | €18k | ▼ 31.8% |
| Operating profit (loss)9901 | €12k | €-5k | €-6k | €-6k | €-9k | ▼ 64.3% |
| Financial income75/76B | - | €53 | - | - | - | - |
| Recurring financial income75 | €12 | €53 | - | - | - | - |
| Financial charges65/66B | - | €224 | €388 | €68 | €30 | ▼ 55.9% |
| Recurring financial charges65 | €52 | €224 | €388 | €68 | €30 | ▼ 55.9% |
| Profit (loss) for the period before taxes9903 | €12k | €-6k | €-7k | €-6k | €-9k | ▼ 62.9% |
| Profit (loss) for the period9904 | €12k | €-6k | €-7k | €-6k | €-9k | ▼ 62.9% |
| Profit (loss) for the period to be appropriated9905 | €12k | €-6k | €-7k | €-6k | €-9k | ▼ 62.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €20k | €13k | €8k | €11k | €17k | ▲ 54.8% |
| Current assets29/58 | €20k | €13k | €8k | €11k | €17k | ▲ 54.8% |
| Amounts receivable within one year40/41 | - | - | €70 | €7k | - | - |
| Trade receivables40 | - | - | €70 | €7k | - | - |
| Cash at bank and in hand54/58 | €20k | €13k | €8k | €4k | €17k | ▲ 329% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €20k | €13k | €8k | €11k | €17k | ▲ 54.8% |
| Equity10/15 | €10k | €4k | €-3k | €-8k | €-18k | ▼ 112% |
| Contributions10/11 | - | €19k | €19k | €19k | €19k | = |
| Reserves13 | €2k | €2k | €2k | €2k | €2k | = |
| Non-distributable reserves130/1 | - | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | - | €2k | €2k | €2k | €2k | = |
| Profit (loss) carried forward14 | €-11k | €-16k | €-23k | €-29k | €-38k | ▼ 32.6% |
| Amounts payable17/49 | €10k | €9k | €10k | €19k | €35k | ▲ 79.9% |
| Amounts payable within one year42/48 | €10k | €9k | €10k | €19k | €35k | ▲ 79.9% |
| Trade debts44 | €782 | €457 | €402 | €2k | €4k | ▲ 131% |
| Suppliers440/4 | - | €457 | €402 | €2k | €4k | ▲ 131% |
| Taxes, remuneration and social security45 | - | €7k | €6k | €14k | €4k | ▼ 69.6% |
| Taxes450/3 | - | €3k | €1k | €8k | €4k | ▼ 42.9% |
| Remuneration and social security454/9 | - | €4k | €5k | €7k | - | - |
| Other amounts payable47/48 | - | €1k | €4k | €3k | €26k | ▲ 736% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €12k | €-6k | €-7k | €-6k | €-9k | ▼ 62.9% |
| Operating cash flow (approximation) | €12k | €-6k | €-7k | €-6k | €-9k | ▼ 62.9% |
| Change in cash | - | €-6k | €-5k | €-4k | €13k | ▲ 437% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
16-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-9k
Net result drops to €-9k, the lowest in the series.
06-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
16-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €12k
Net result €12k after 3 loss-making years.
31-12
Financial
Liquidity times 5current ratio 2.00
Current ratio from 0.40 to 2.00.
03-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
04-05
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
04-03
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
24-01
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
27-01
NBB filing
Annual accounts filed
fiscal year 2016 · full 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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Directors · office · real estate
Directors
3 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, Charleroi · 1 establishment unit since 1984
Ground area
95 m²
Building footprint
58 m²
Volume, LiDAR
862 m³
2 parcels, Wallonia · tallest building 17.9 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Place Verte 20, 6000 Charleroi
since 19842.024.005.661
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52011D0051/00E000 | Wallonia | 68 m² | 1 · 58 m² | 17.9 m · 5 fl. |
| 52011D0126/02S000indicative | Wallonia | 27 m² | - | - |
Linked by address, not proof of ownership
Good to know
1 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 1,034 companies in sector 47721 we hold annual accounts for 582. 161 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded31-01-1984
Fiscal year end31-12
Activities, NACEBEL 2025
47721Retail sale of footwear
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
Scores and ratios are computed by Checked and are not a credit decision.