CleverHumind
ActiveSummary
CleverHumind has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €66k and a net result of €50k. Equity is growing by ~6.7% per year across the filed fiscal years. Its solvency ranks better than 19% of 17090 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability85▲+11
Solvency42▼-58
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity short (current ratio 0.8 against 7.22 in 2024; short-term debt: 83% and cash: 8.1% of total assets), and 83% of the assets are financed with debt.
Credit check 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
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← 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
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
17%
Return on assets
13%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 17090 sector peers (2025).
NBB · sector comparisonPosition among 17090 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
28 d late
2023
29 d late
2022
31 d early
2021
3 d early
2020
2 d early
2019
on the day
← 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
Equity
€66k▼ 78.7%
2024 · €310k
2018: €132k
2019: €133k▲ +1.1% vs 2018
2020: €230k▲ +72.3% vs 2019
2021: €360k▲ +56.5% vs 2020highest in 8 years
2022: €334k▼ -7.1% vs 2021
2023: €295k▼ -11.8% vs 2022
2024: €310k▲ +5.1% vs 2023
2025: €66k▼ -78.7% vs 2024lowest in 8 years
2018 → 2025
Total assets
€388k▲ 15.6%
2024 · €335k
2018: €319klowest in 8 years
2019: €327k▲ +2.5% vs 2018
2020: €378k▲ +15.6% vs 2019
2021: €381k▲ +0.9% vs 2020
2022: €377k▼ -1.1% vs 2021
2023: €325k▼ -13.8% vs 2022
2024: €335k▲ +3.3% vs 2023
2025: €388k▲ +15.6% vs 2024highest in 8 years
2018 → 2025
Net result
€50k▲ 233%
2024 · €15k
2018: €-9k
2019: €3k▲ +135% vs 2018
2020: €96k▲ +3082% vs 2019
2021: €130k▲ +34.6% vs 2020highest in 8 years
2022: €-15k▼ -112% vs 2021
2023: €-39k▼ -159% vs 2022lowest in 8 years
2024: €15k▲ +138% vs 2023
2025: €50k▲ +233% vs 2024
2018 → 2025
Working capital
€-65k
2024 · €158k
2018: €-34k
2019: €-32k▲ +4.4% vs 2018
2020: €38k▲ +218% vs 2019
2021: €183k▲ +376% vs 2020highest in 8 years
2022: €160k▼ -12.4% vs 2021
2023: €139k▼ -13.4% vs 2022
2024: €158k▲ +13.7% vs 2023
2025: €-65k▼ -141% vs 2024lowest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€360k-€334k▼ 7.1%€295k▼ 11.8%€310k▲ 5.1%€66k▼ 78.7%
2021: €360khighest in 5 years
2022: €334k▼ -7.1% vs 2021
2023: €295k▼ -11.8% vs 2022
2024: €310k▲ +5.1% vs 2023
2025: €66k▼ -78.7% vs 2024lowest in 5 years
Operating result€207k-€-15k€-38k▼ 161%€15k€65k▲ 325%
2021: €207khighest in 5 years
2022: €-15k▼ -107% vs 2021
2023: €-38k▼ -161% vs 2022lowest in 5 years
2024: €15k▲ +140% vs 2023
2025: €65k▲ +325% vs 2024
Net result€130k-€-15k€-39k▼ 159%€15k€50k▲ 233%
2021: €130khighest in 5 years
2022: €-15k▼ -112% vs 2021
2023: €-39k▼ -159% vs 2022lowest in 5 years
2024: €15k▲ +138% vs 2023
2025: €50k▲ +233% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 325% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €388k
Fixed assets
€131k ▼ 14.0%
Current assets
€257k ▲ 40.2%
Equity and liabilities €388k
Equity
€66k ▼ 78.7%
Debt
€322k ▲ 1,167%
Debt's share of the balance-sheet total rises from 7.6% to 83.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€86k▲
2024 · €35k
Cash flow
€71k▲
2024 · €35k
Current ratio
0.80▼
2024 · 7.22
Debt to equity
4.88▲
2024 · 0.08
ROE
76.2%▲
2024 · 4.9%
ROA
13.0%▲
2024 · 4.5%
Interest coverage
92.66▼
2024 · 253.58
Debt ≤ 1 year
€322k▲
2024 · €25k
Income taxes
€14k▲
2024 · €161
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€335k€388k▲
Fixed assets21/28€152k€131k▼
Tangible fixed assets22/27€152k€131k▼
Furniture and vehicles24€14k€11k▼
Other tangible fixed assets26€138k€120k▼
Current assets29/58€183k€257k▲
Amounts receivable within one year40/41€19k€78k▲
Trade receivables40€16k€61k▲
Other amounts receivable41€3k€18k▲
Current investments50/53€96k€146k▲
Cash at bank and in hand54/58€65k€31k▼
Deferred charges and accrued income490/1€3k€1k▼
Equity and liabilities
Total equity and liabilities10/49€335k€388k▲
Equity10/15€310k€66k▼
Contributions10/11€19k€19k=
Reserves13€296k€52k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€294k€50k▼
Profit (loss) carried forward14€-5k€-5k=
Amounts payable17/49€25k€322k▲
Amounts payable within one year42/48€25k€322k▲
Current portion of amounts payable after more than one year42-€5k
Trade debts44€6k€24k▲
Suppliers440/4€6k€24k▲
Taxes, remuneration and social security45€7k€6k▼
Taxes450/3€7k€6k▼
Other amounts payable47/48€13k€286k▲
Accrued charges and deferred income492/3€56€95▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€21k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€38k€90k▲
Operating profit (loss)9901€15k€65k▲
Financial income75/76B€0€16▲
Recurring financial income75€0€16▲
Financial charges65/66B€139€933▲
Recurring financial charges65€139€933▲
Profit (loss) for the period before taxes9903€15k€64k▲
Income taxes67/77€161€14k▲
Profit (loss) for the period9904€15k€50k▲
Profit (loss) for the period to be appropriated9905€15k€50k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-5k€45k▲
Profit (loss) brought forward from the previous period14P€-20k€-5k▲
Transfer from equity791/2-€294k
Transfer to equity691/2-€50k
To other reserves6921-€50k
Profit to be distributed694/7-€294k
Return on contributions (dividend)694-€294k
The notes to these accounts (13 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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €18k | €18k | €18k | €20k | €21k | ▲ 6.9% |
| Other operating charges640/8 | €2k | €2k | €3k | €3k | €3k | ▲ 15.2% |
| Gross operating margin9900 | €228k | €5k | €-18k | €38k | €90k | ▲ 136% |
| Operating profit (loss)9901 | €207k | €-15k | €-38k | €15k | €65k | ▲ 325% |
| Financial income75/76B | €7 | €0 | €3 | €0 | €16 | ▲ 6,376% |
| Recurring financial income75 | €7 | €0 | €3 | €0 | €16 | ▲ 6,376% |
| Financial charges65/66B | €13 | €390 | €185 | €139 | €933 | ▲ 571% |
| Recurring financial charges65 | €13 | €390 | €185 | €139 | €933 | ▲ 571% |
| Profit (loss) for the period before taxes9903 | €207k | €-15k | €-38k | €15k | €64k | ▲ 322% |
| Income taxes67/77 | €77k | €126 | €1k | €161 | €14k | ▲ 8,692% |
| Profit (loss) for the period9904 | €130k | €-15k | €-39k | €15k | €50k | ▲ 233% |
| Transfer from tax-exempt reserves789 | €65k | €0 | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €195k | €-15k | €-39k | €15k | €50k | ▲ 233% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €381k | €377k | €325k | €335k | €388k | ▲ 15.6% |
| Fixed assets21/28 | €177k | €174k | €156k | €152k | €131k | ▼ 14.0% |
| Tangible fixed assets22/27 | €177k | €174k | €156k | €152k | €131k | ▼ 14.0% |
| Furniture and vehicles24 | €717 | €0 | - | €14k | €11k | ▼ 22.6% |
| Other tangible fixed assets26 | €176k | €174k | €156k | €138k | €120k | ▼ 13.1% |
| Current assets29/58 | €204k | €203k | €169k | €183k | €257k | ▲ 40.2% |
| Amounts receivable within one year40/41 | €21k | €152k | €4k | €19k | €78k | ▲ 312% |
| Trade receivables40 | €17k | €0 | €4k | €16k | €61k | ▲ 271% |
| Other amounts receivable41 | €5k | €152k | €0 | €3k | €18k | ▲ 569% |
| Current investments50/53 | - | - | €96k | €96k | €146k | ▲ 52.1% |
| Cash at bank and in hand54/58 | €181k | €49k | €67k | €65k | €31k | ▼ 52.0% |
| Deferred charges and accrued income490/1 | €1k | €2k | €1k | €3k | €1k | ▼ 59.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €381k | €377k | €325k | €335k | €388k | ▲ 15.6% |
| Equity10/15 | €360k | €334k | €295k | €310k | €66k | ▼ 78.7% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €306k | €296k | €296k | €296k | €52k | ▼ 82.4% |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €2k | €2k | = |
| Tax-exempt reserves132 | €0 | - | - | - | - | - |
| Distributable reserves133 | €304k | €294k | €294k | €294k | €50k | ▼ 82.9% |
| Profit (loss) carried forward14 | €35k | €20k | €-20k | €-5k | €-5k | = |
| Amounts payable17/49 | €21k | €42k | €30k | €25k | €322k | ▲ 1,167% |
| Amounts payable within one year42/48 | €21k | €42k | €30k | €25k | €322k | ▲ 1,169% |
| Current portion of amounts payable after more than one year42 | €0 | - | - | - | €5k | - |
| Trade debts44 | €0 | €13k | €15k | €6k | €24k | ▲ 330% |
| Suppliers440/4 | €0 | €13k | €15k | €6k | €24k | ▲ 330% |
| Taxes, remuneration and social security45 | €13k | €7k | €3k | €7k | €6k | ▼ 10.1% |
| Taxes450/3 | €11k | €7k | €3k | €7k | €6k | ▼ 10.1% |
| Remuneration and social security454/9 | €2k | €0 | - | - | - | - |
| Other amounts payable47/48 | €8k | €22k | €11k | €13k | €286k | ▲ 2,159% |
| Accrued charges and deferred income492/3 | €1 | €0 | - | €56 | €95 | ▲ 70.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €130k | €-15k | €-39k | €15k | €50k | ▲ 233% |
| + Depreciation and write-downs630 | €18k | €18k | €18k | €20k | €21k | ▲ 6.9% |
| Operating cash flow (approximation) | €148k | €2k | €-21k | €35k | €71k | ▲ 104% |
| Investment in fixed assets (approximation) | - | €-15k | €0 | €-16k | €0 | ▲ 100% |
| Change in cash | - | €-133k | €18k | €-1k | €-34k | ▼ 2,651% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Back to profitnet €15k
Net result €15k after 2 loss-making years.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €-39k
Net result drops to €-39k, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €130k ▲34.6%
Operating result €207k, net result €130k, both a record.
31-12
Financial
Liquidity times 8current ratio 9.58
Current ratio from 1.27 to 9.58; short-term debt falls from €144k to €21k.
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €200kEq €230k ▲72.3%
2 profitable years in a row build equity to €230k.
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 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
6 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, Ukkel · 2 establishment units since 2003
Ground area
1,185 m²
Building footprint
282 m²
Volume, LiDAR
1,813 m³
2 parcels, Brussels, Wallonia · tallest building 11.9 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
2 establishment units
ICT SYNERGY / VoiceLinks / MobileLinks / Exagroup / VirtualPhone / vPhone
since 20032.134.031.969
ICT SYNERGY
since 20042.139.063.301
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52048D0061/00T035 | Wallonia | 998 m² | 1 · 212 m² | 8.1 m · 2 fl. |
| 21616G0336/00H003 | Brussels | 188 m² | 1 · 71 m² | 11.9 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
549300WL9O2K0JB0BP35
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Of 29,993 companies in sector 62200 we hold annual accounts for 18,396. 15,518 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
Founded01-10-2003
Fiscal year end31-12
Trade name FR
ICT Synergy
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
Scores and ratios are computed by Checked and are not a credit decision.