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CLEVERDY

Active
Rue de la Fontaine 148 ·4400 Flémalle, Belgium
KBO/BCE: BE 1003.115.305
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Age2 yrs
Real estate1 parcel · 276 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of CLEVERDY is 0.7% (low). The 2024 annual accounts show equity of €38k and a net result of €39k. Its solvency ranks better than 54% of 3380 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 18-06-2025, 43 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2024 31-07-2025 18-06-2025 43 d early 2025-00149227

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Young company
Founded in 2023, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

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.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
0.7% Low
0%0,5%1,5%4%10%≥25%
Young company +Lower-failure-rate sector −Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€39k
Working capital€37k

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 18-06-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 71, Architecture & engineering · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 58.1% 55.1%
better than 54% of 3380 sector peers
Net result €39k €19k
better than 71% of 3380 sector peers
Equity €38k €45k
better than 45% of 3382 sector peers
Gross operating margin €52k €38k
better than 62% of 3377 sector peers
Total assets €66k €95k
better than 35% of 3381 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenue-
EBITDA€52k
Net profit€39k
Cash flow€39k
Staff costs-
Income taxes€12k
Dividends€859
Total assets€66k
Equity€38k
Debt€27k
of which ≤ 1y€27k
of which > 1y-
Working capital€37k
Employees (FTE)-
Ratios (computed)
2024
Current ratio2.35
Quick ratio2.35
Working capital ratio56.7%
Solvency58.1%
Debt / equity0.72
Long-term debt ratio-
Interest coverage36.60
Gross margin-
Net margin-
ROA58.7%
ROE100.9%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€66k
Fixed assets 21/28€920
Tangible fixed assets 22/27€920
Current assets 29/58€65k
Amounts receivable within one year 40/41€14k
Cash & bank 54/58€51k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€66k
Equity 10/15€38k
Contributions / capital 10/11€500
Accumulated profits (losses) 14€38k
Amounts payable 17/49€27k
Amounts payable within one year 42/48€27k
Trade debts payable within one year 44€2k
Income statement
Gross operating margin 9900€52k
Operating result 9901€52k
Financial charges 65€1k
Result before taxes 9903€50k
Income taxes 67/77€12k
Net result for the period 9904€39k
Result to be appropriated 9905€39k
Ratios computed by Checked.

Health barometer

FY 2024 · computed
93 / 100 Excellent
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Rue de la Fontaine 1484400 Flémalle

Establishment units

1 location
CLEVERDY
Rue de la Fontaine(FLG) 148, 4400 FlémalleOntwerpen en programmeren van computerprogramma's
since 20232.353.929.484
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area276 m²
Buildings1
Building footprint65 m²
Volume (LiDAR)646 m³
Tallest building12.2 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

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.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
62036A0483/00L002 Wallonia 276 m² 1 · 65 m² 12.2 m · 3 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.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes
Health93Profitability100Solvency98Growth-Stability67
90 / 100

Strong profile, led by profitability.

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

Health 93
Profitability 100
Solvency 98
Growth -
Stability 67

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AI due-diligence brief

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Credit advice

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 1,803 of the 11,498 companies in this sector. 1,538 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Ingenieurs en aanverwante technische adviseurs, exclusief landmeters71121Activiteiten van ingenieurs en aanverwante technische adviseurs, exclusief landmeters-experts71121Ontwerpen en programmeren van computerprogramma's62010Ontwerpen van computerprogramma’s62100Overige technische testen en toetsen71209Overige technische testen en toetsen71209Overig speur- en ontwikkelingswerk op natuurwetenschappelijk gebied72109Overig speur- en ontwikkelingswerk op natuurwetenschappelijk gebied72190
Primary activity highlighted.
Names & trade names
Legal nameFR CLEVERDY
Registered office
Rue de la Fontaine 148
4400 Flémalle, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.