CLEVER CONSTRUCT
ActiveCLEVER CONSTRUCT has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €331k and a net result of €54k. Equity is growing by ~6.1% per year across the filed fiscal years. Its solvency ranks better than 54% of 2090 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
69
/ 100
Healthy▲ +7 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability82▲+68
Solvency64▲+15
Growth78=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity short (current ratio 0.96 against 0.69 in 2023), and 57.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
26 d late
2022
28 d late
2021
11 d late
2020
22 d early
2019
31 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€331k▲ 19.6%
2023 · €277k
2018: €206k
2019: €255k
2020: €290k
2021: €344k
2022: €269k
2023: €277k
2018 → 2024
Total assets
€781k▼ 0.5%
2023 · €785k
2018: €1.89M
2019: €2.06M
2020: €979k
2021: €918k
2022: €830k
2023: €785k
2018 → 2024
Net result
€54k▲ 599%
2023 · €8k
2018: €1k
2019: €49k
2020: €35k
2021: €54k
2022: €-75k
2023: €8k
2018 → 2024
Working capital
€-15k▲ 87.6%
2023 · €-124k
2018: €287k
2019: €320k
2020: €39k
2021: €-155k
2022: €-160k
2023: €-124k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€290k-€344k▲ 18.7%€269k▼ 21.8%€277k▲ 2.9%€331k▲ 19.6%
Operating result€95k-€82k▼ 13.5%€-49k€33k€79k▲ 139%
Net result€35k-€54k▲ 55.2%€-75k€8k€54k▲ 599%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 139% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €781k
Fixed assets
€420k▼ 16.6%
Current assets
€361k▲ 28.5%
Equity and liabilities €781k
Equity
€331k▲ 19.6%
Debt
€450k▼ 11.4%
The debt ratio falls from 64.7% to 57.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€138k▲
2023 · €92k
Cash flow
€113k▲
2023 · €66k
Solvency
42.4%▲
2023 · 35.3%
Current ratio
0.96▲
2023 · 0.69
Quick ratio
0.93▲
2023 · 0.66
Debt / equity
1.36▼
2023 · 1.83
ROE
16.4%▲
2023 · 2.8%
ROA
7.0%▲
2023 · 1.0%
Interest coverage
6.01▲
2023 · 3.81
Debt
€450k▼
2023 · €508k
Debt ≤ 1 year
€377k▼
2023 · €405k
Debt > 1 year
€72k▼
2023 · €102k
Income taxes
€21k▲
2023 · €1k
Staff costs
€44k▲
2023 · €42k
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€785k€781k▼
Fixed assets21/28€504k€420k▼
Tangible fixed assets22/27€454k€420k▼
Land and buildings22€383k€349k▼
Plant, machinery and equipment23€0-
Furniture and vehicles24€5k€24k▲
Leasing and similar rights25€46k€29k▼
Other tangible fixed assets26€20k€18k▼
Financial fixed assets28€50k€0▼
Current assets29/58€281k€361k▲
Stocks and contracts in progress3€15k€11k▼
Stocks30/36€15k€11k▼
Contracts in progress37€0-
Amounts receivable within one year40/41€201k€317k▲
Trade receivables40€185k€302k▲
Other amounts receivable41€16k€15k▼
Cash at bank and in hand54/58€53k€28k▼
Deferred charges and accrued income490/1€12k€5k▼
Equity and liabilities
Total equity and liabilities10/49€785k€781k▼
Equity10/15€277k€331k▲
Contributions10/11€35k€35k=
Reserves13€242k€296k▲
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Tax-exempt reserves132€19k€19k=
Distributable reserves133€220k€274k▲
Amounts payable17/49€508k€450k▼
Amounts payable after more than one year17€102k€72k▼
Financial debts170/4€102k€72k▼
Amounts payable within one year42/48€405k€377k▼
Current portion of amounts payable after more than one year42€149k€137k▼
Trade debts44€116k€137k▲
Suppliers440/4€116k€137k▲
Taxes, remuneration and social security45€13k€33k▲
Taxes450/3€8k€28k▲
Remuneration and social security454/9€5k€5k▲
Other amounts payable47/48€128k€70k▼
Accrued charges and deferred income492/3€860€937▲
Income statement
Code20232024
Non-recurring operating income76A€2k€0▼
Remuneration, social security and pensions62€42k€44k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€59k€59k▲
Other operating charges640/8€5k€11k▲
Non-recurring operating charges66A€375€31k▲
Gross operating margin9900€139k€223k▲
Operating profit (loss)9901€33k€79k▲
Financial income75/76B€7€19k▲
Recurring financial income75€7€19k▲
Financial charges65/66B€24k€23k▼
Recurring financial charges65€24k€23k▼
Profit (loss) for the period before taxes9903€9k€75k▲
Income taxes67/77€1k€21k▲
Profit (loss) for the period9904€8k€54k▲
Profit (loss) for the period to be appropriated9905€8k€54k▲
Appropriation of the result
Profit (loss) to be appropriated9906€8k€54k▲
Transfer from equity791/2€0-
Transfer to equity691/2€8k€54k▲
To other reserves6921€8k€54k▲
Social balance
Average headcount (FTE)90871.01.0=
The notes to these accounts (26 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 61 days late
2024
31-12
Financial
Highest result since 2018net €54k ▲599%
Net result €54k, the highest in the series.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 26 days late
2023
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 28 days late
2022
31-12
Financial
Weakest financial yearnet €-75k ▼238%
Net result drops to €-75k, the lowest in the series; recovery starts the following year.
11-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 11 days late
2021
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 59 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
2016
20-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Sint-Truiden · 1 establishment unit since 2002
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.
Sportpleinstraat 143800 Sint-TruidenGround area
906 m²
Building footprint
321 m²
Volume, LiDAR
1,248 m³
Parcel 71064A0943/00Z017, Flanders · tallest building 8.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Clever Construct
since 20022.114.589.211
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71064A0943/00Z017 | Flanders | 906 m² | 1 · 321 m² | 8.9 m · 1 fl. |
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.
Similar companies · same sector, comparable size
L’ARTISAN MAÇON
BE 0668.375.728
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BE 0474.056.123
Alken · Eq €331k
CLAERHOUT PATRICK
BE 0413.710.938
Harelbeke · Eq €331k
KESTELYN-DEVOS
BE 0471.773.752
Oudenaarde · Eq €331k
JOHN VAN BOCKSTAEL
BE 0507.606.047
Destelbergen · Eq €332k
Of 29,531 companies in sector 41001 we hold annual accounts for 15,859. 10,587 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-09-2002
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
56210Event catering
68121Development of residential building projects
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
47990Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.