Clever Lynx
ActiveClever Lynx has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €214k and a net result of €61k. Equity is growing by ~18.1% per year across the filed fiscal years. Its solvency ranks better than 32% of 16942 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▼-3
Solvency62▼-38
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity tight (current ratio 1.41 against 4.31 in 2024; short-term debt: 63.4% and cash: 56.6% of total assets), and 63.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
36.6%
Return on assets
10.4%
Age of the figures
9 mo
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 31-07-2026, 0 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
on the day
2024
365 d late
2023
79 d late
2022
85 d late
2021
14 d late
2020
9 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€214k▼ 44.5%
2024 · €385k
2020: €125k
2021: €231k
2022: €295k
2023: €322k
2024: €385k
2020 → 2025
Total assets
€584k▲ 22.7%
2024 · €476k
2020: €209k
2021: €348k
2022: €396k
2023: €411k
2024: €476k
2020 → 2025
Net result
€61k▼ 2.2%
2024 · €62k
2020: €120k
2021: €106k
2022: €64k
2023: €67k
2024: €62k
2020 → 2025
Working capital
€152k▼ 49.7%
2024 · €302k
2020: €124k
2021: €230k
2022: €295k
2023: €221k
2024: €302k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€231k-€295k▲ 27.8%€322k▲ 9.1%€385k▲ 19.4%€214k▼ 44.5%
Operating result€136k-€85k▼ 37.5%€94k▲ 10.5%€100k▲ 6.3%€89k▼ 10.9%
Net result€106k-€64k▼ 39.2%€67k▲ 3.9%€62k▼ 6.6%€61k▼ 2.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 11% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €584k
Fixed assets
€61k▼ 25.4%
Current assets
€522k▲ 32.8%
Equity and liabilities €584k
Equity
€214k▼ 44.5%
Debt
€370k▲ 306%
The debt ratio rises from 19.2% to 63.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€110k▼
2024 · €120k
Cash flow
€82k▼
2024 · €83k
Solvency
36.6%▼
2024 · 80.8%
Current ratio
1.41▼
2024 · 4.31
Quick ratio
1.41▼
2024 · 4.31
Debt / equity
1.73▲
2024 · 0.24
ROE
28.6%▲
2024 · 16.2%
ROA
10.4%▼
2024 · 13.1%
Interest coverage
60.26▼
2024 · 494.16
Debt
€370k▲
2024 · €91k
Debt ≤ 1 year
€370k▲
2024 · €91k
Income taxes
€35k▼
2024 · €37k
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€476k€584k▲
Fixed assets21/28€82k€61k▼
Tangible fixed assets22/27€82k€61k▼
Furniture and vehicles24€82k€61k▼
Current assets29/58€393k€522k▲
Amounts receivable within one year40/41€126k€192k▲
Trade receivables40€53k€3k▼
Other amounts receivable41€73k€189k▲
Cash at bank and in hand54/58€268k€331k▲
Equity and liabilities
Total equity and liabilities10/49€476k€584k▲
Equity10/15€385k€214k▼
Contributions10/11€5k€5k=
Reserves13-€61k
Distributable reserves133-€61k
Profit (loss) carried forward14€380k€148k▼
Amounts payable17/49€91k€370k▲
Amounts payable within one year42/48€91k€370k▲
Trade debts44-€3k
Suppliers440/4-€3k
Taxes, remuneration and social security45€91k€177k▲
Taxes450/3€91k€177k▲
Other amounts payable47/48-€190k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€21k▲
Other operating charges640/8€6k€2k▼
Gross operating margin9900€127k€112k▼
Operating profit (loss)9901€100k€89k▼
Financial income75/76B€0€9k▲
Recurring financial income75€0€9k▲
Financial charges65/66B€244€2k▲
Recurring financial charges65€244€2k▲
Profit (loss) for the period before taxes9903€99k€96k▼
Income taxes67/77€37k€35k▼
Profit (loss) for the period9904€62k€61k▼
Profit (loss) for the period to be appropriated9905€62k€61k▼
Appropriation of the result
Profit (loss) to be appropriated9906€380k€441k▲
Profit (loss) brought forward from the previous period14P€317k€380k▲
Transfer to equity691/2-€61k
To other reserves6921-€61k
Profit to be distributed694/7-€232k
Return on contributions (dividend)694-€232k
The notes to these accounts (4 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 365 days late
2025
31-12
Financial
Weakest financial yearnet €61k ▼2.2%
Net result drops to €61k, the lowest in the series.
2024
18-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 79 days late
2023
24-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 85 days late
2022
14-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 14 days late
2021
31-12
Financial
Equity above €200kEq €231k ▲84.4%
2 profitable years in a row build equity to €231k.
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Schaarbeek · 1 establishment unit 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.
Josaphatstraat 1181030 SchaarbeekGround area
169 m²
Building footprint
156 m²
Volume, LiDAR
1,483 m³
Parcel 21906D0115/00Y002, Brussels · tallest building 17.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Josaphatstraat 118, 1030 Schaarbeek
since 20202.301.180.389
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21906D0115/00Y002 | Brussels | 169 m² | 1 · 156 m² | 17.8 m · 3 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.
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Of 29,992 companies in sector 62200 we hold annual accounts for 18,386. 14,514 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-03-2020
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.