Clever
ActiveClever is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €3.87M and a net result of €187k. Equity is growing by ~20.9% per year across the filed fiscal years. Its solvency ranks better than 48% of 5491 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 06-07-2026, 25 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
25 d early
2024
31 d early
2023
51 d early
2022
26 d early
2021
62 d early
2020
33 d early
2019
67 d early
← before the deadline
after the deadline →
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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€3.87M▲ 5.1%
2024 · €3.68M
2018: €1.05M
2019: €1.40M
2020: €1.41M
2021: €1.44M
2022: €2.28M
2023: €2.46M
2024: €3.68M
2018 → 2025
Net result
€187k▼ 84.6%
2024 · €1.21M
2018: €102k
2019: €353k
2020: €4k
2021: €34k
2022: €833k
2023: €188k
2024: €1.21M
2018 → 2025
Total assets
€7.74M▲ 1.4%
2024 · €7.63M
2018: €4.07M
2019: €7.08M
2020: €7.17M
2021: €6.97M
2022: €6.94M
2023: €6.90M
2024: €7.63M
2018 → 2025
Solvency
49.9%▲ 1.7pp
2024 · 48.2%
2018: 25.8%
2019: 19.8%
2020: 19.6%
2021: 20.7%
2022: 32.8%
2023: 35.7%
2024: 48.2%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.44M-€2.28M▲ 57.8%€2.46M▲ 8.3%€3.68M▲ 49.3%€3.87M▲ 5.1%
Operating result€71k-€248k▲ 248%€351k▲ 41.6%€361k▲ 2.7%€326k▼ 9.7%
Net result€34k-€833k▲ 2,344%€188k▼ 77.4%€1.21M▲ 546%€187k▼ 84.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 10% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €7.74M
Fixed assets
€7.33M▲ 9.7%
Current assets
€414k▼ 56.6%
Equity and liabilities €7.74M
Equity
€3.87M▲ 5.1%
Debt
€3.87M▼ 2.0%
The debt ratio falls from 51.8% to 50.1%: equity grows while debt is paid down.
Key figures and ratios
Solvency
49.9%▲
2024 · 48.2%
ROE
4.8%▼
2024 · 33.0%
ROA
2.4%▼
2024 · 15.9%
Debt
€3.87M▼
2024 · €3.95M
Debt ≤ 1 year
€545k▼
2024 · €727k
Debt > 1 year
€3.31M▲
2024 · €3.15M
Income taxes
€59k▼
2024 · €64k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€7.63M€7.74M▲
Fixed assets21/28€6.68M€7.33M▲
Tangible fixed assets22/27€2.58M€3.22M▲
Land and buildings22€2.58M€3.22M▲
Financial fixed assets28€4.10M€4.10M▲
Current assets29/58€953k€414k▼
Amounts receivable within one year40/41€236k€72k▼
Trade receivables40€31k€72k▲
Other amounts receivable41€205k€0▼
Current investments50/53€450k€0▼
Cash at bank and in hand54/58€260k€321k▲
Deferred charges and accrued income490/1€7k€20k▲
Equity and liabilities
Total equity and liabilities10/49€7.63M€7.74M▲
Equity10/15€3.68M€3.87M▲
Contributions10/11€300k€300k=
Reserves13€222k€184k▼
Tax-exempt reserves132€192k€154k▼
Distributable reserves133€30k€30k=
Profit (loss) carried forward14€3.16M€3.38M▲
Amounts payable17/49€3.95M€3.87M▼
Amounts payable after more than one year17€3.15M€3.31M▲
Financial debts170/4€3.15M€3.31M▲
Amounts payable within one year42/48€727k€545k▼
Current portion of amounts payable after more than one year42€381k€505k▲
Trade debts44€18k€4k▼
Suppliers440/4€18k€4k▼
Taxes, remuneration and social security45€29k€36k▲
Taxes450/3€29k€36k▲
Other amounts payable47/48€300k€0▼
Accrued charges and deferred income492/3€76k€15k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€96k€185k▲
Other operating charges640/8€26k€27k▲
Gross operating margin9900€483k€537k▲
Operating profit (loss)9901€361k€326k▼
Financial income75/76B€1.01M€9k▼
Recurring financial income75€1.01M€9k▼
Financial charges65/66B€92k€89k▼
Recurring financial charges65€92k€89k▼
Profit (loss) for the period before taxes9903€1.28M€246k▼
Income taxes67/77€64k€59k▼
Profit (loss) for the period9904€1.21M€187k▼
Transfer from tax-exempt reserves789-€126k
Transfer to tax-exempt reserves689€66k€88k▲
Profit (loss) for the period to be appropriated9905€1.15M€225k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3.16M€3.38M▲
Profit (loss) brought forward from the previous period14P€2.01M€3.16M▲
The notes to these accounts (23 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €1.21M ▲546%
Net result €1.21M, the highest in the series.
31-12
Financial
Liquidity triplescurrent ratio 1.31
Current ratio from 0.38 to 1.31.
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €2MEq €2.28M ▲57.8%
5 profitable years in a row build equity to €2.28M.
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €4k ▼98.8%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
25-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
05-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Roeselare · 1 establishment unit since 2016
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.
Krommebeekpark 228800 RoeselareGround area
8,594 m²
Building footprint
4,638 m²
Parcel 36505B1195/00A000, Flanders. Linked by address, not a title deed.
1 establishment unit
Clever
since 20162.252.693.752
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36505B1195/00A000 | Flanders | 8,594 m² | 1 · 4,638 m² | 0.0 m |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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BELIMMA
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Of 24,640 companies in sector 64210 we hold annual accounts for 19,693. 8,909 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-05-2016
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 9 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.