CLEVERMAC
ActiveSummary
CLEVERMAC has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €706,646 and a net result of €35,996. Equity is growing by ~12.1% per year across the filed fiscal years. Its solvency ranks better than 44% of 8160 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability70▼-5
Solvency64▲+1
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40,000 at 30 days acceptable
Liquidity tight (current ratio 1.45 against 1.43 in 2024; short-term debt: 59.7% and cash: 6.5% of total assets), and 61.5% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
38.5%
Return on assets
2%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more 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
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
13 d early
2023
12 d early
2022
11 d early
2021
12 d early
2020
101 d early
2019
60 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 14 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€706,646▲ 5.4%
2024 · €670,650
Total assets
€1.8m▲ 4.1%
2024 · €1.8m
Net result
€35,996▼ 58.7%
2024 · €87,073
Working capital
€490,133▲ 9.8%
2024 · €446,416
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€220,245▲ 168%€163,277▼ 25.9%€261,900▲ 60.4%€140,532▼ 46.3%€74,143▼ 47.2%
Net result€187,399above the sector's middle half▲ 226%€132,247within the sector's middle half▼ 29.4%€206,141above the sector's middle half▲ 55.9%€87,073within the sector's middle half▼ 57.8%€35,996within the sector's middle half▼ 58.7%
Equity€470,189within the sector's middle half▲ 22.8%€527,436within the sector's middle half▲ 12.2%€608,577within the sector's middle half▲ 15.4%€670,650within the sector's middle half▲ 10.2%€706,646within the sector's middle half▲ 5.4%
Total assets€1.3mwithin the sector's middle half▼ 3.8%€1.8mwithin the sector's middle half▲ 35.1%€2.2mwithin the sector's middle half▲ 21.4%€1.8mwithin the sector's middle half▼ 18.5%€1.8mwithin the sector's middle half▲ 4.1%
Debt€847,598▼ 14.1%€1.3m▲ 47.9%€1.6m▲ 24.0%€1.1m▼ 29.7%€1.1m▲ 3.4%
Working capital€316,697within the sector's middle half▲ 35.7%€399,675within the sector's middle half▲ 26.2%€407,054within the sector's middle half▲ 1.8%€446,416within the sector's middle half▲ 9.7%€490,133within the sector's middle half▲ 9.8%
Solvency35.7%within the sector's middle half▲ 7.7pp29.6%within the sector's middle half▼ 6.1pp28.1%within the sector's middle half▼ 1.5pp38.0%within the sector's middle half▲ 9.9pp38.5%within the sector's middle half▲ 0.5pp
Current ratio1.37within the sector's middle half▲ 0.141.32within the sector's middle half▼ 0.051.27within the sector's middle half▼ 0.051.43within the sector's middle half▲ 0.161.45within the sector's middle half▲ 0.02
Return on assets (ROA)14.2%above the sector's middle half▲ 10.0pp7.4%within the sector's middle half▼ 6.8pp9.5%within the sector's middle half▲ 2.1pp4.9%within the sector's middle half▼ 4.6pp2.0%within the sector's middle half▼ 3.0pp
Staff (FTE)5.5within the sector's middle half▲ 12.2%6.2within the sector's middle half▲ 12.7%6within the sector's middle half▼ 3.2%6.2within the sector's middle half▲ 3.3%5.7within the sector's middle half▼ 8.1%
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 47% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.8m
Fixed assets
€248,782 ▼ 8.2%
Current assets
€1.6m ▲ 6.5%
Equity and liabilities €1.8m
Equity
€706,646 ▲ 5.4%
Debt
€1.1m ▲ 3.4%
Debt's share of the balance-sheet total falls from 62.0% to 61.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€154,748▼
2024 · €225,111
Cash flow
€116,601▼
2024 · €171,652
Quick ratio
0.48▲
2024 · 0.47
Debt to equity
1.60▼
2024 · 1.63
ROE
5.1%▼
2024 · 13.0%
Interest coverage
5.89▼
2024 · 7.80
Debt ≤ 1 year
€1.1m▲
2024 · €1.0m
Debt > 1 year
€30,985▼
2024 · €48,647
Income taxes
€15,679▼
2024 · €25,271
Staff costs
€356,116▼
2024 · €398,263
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 10,905 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
0.6%
went bankrupt
4.0%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 10,905 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €17,860 | - | €3,500 | - | €8,678 | - |
| Remuneration, social security and pensions62 | €319,389 | €350,708 | €390,723 | €398,263 | €356,116 | ▼ 10.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €48,752 | €55,962 | €53,125 | €84,579 | €80,605 | ▼ 4.7% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €12,450 | -€12,450 | - | - |
| Other operating charges640/8 | €5,409 | €12,496 | €5,617 | €17,074 | €8,997 | ▼ 47.3% |
| Non-recurring operating charges66A | - | - | €421 | - | - | - |
| Gross operating margin9900 | €593,796 | €582,443 | €724,235 | €627,998 | €519,860 | ▼ 17.2% |
| Operating profit (loss)9901 | €220,245 | €163,277 | €261,900 | €140,532 | €74,143 | ▼ 47.2% |
| Financial income75/76B | €1,068 | €281 | €1,804 | €689 | €3,815 | ▲ 454% |
| Recurring financial income75 | €1,068 | €281 | €1,804 | €689 | €3,815 | ▲ 454% |
| Financial charges65/66B | €7,965 | €8,417 | €26,547 | €28,877 | €26,283 | ▼ 9.0% |
| Recurring financial charges65 | €7,965 | €8,417 | €26,547 | €28,877 | €26,283 | ▼ 9.0% |
| Profit (loss) for the period before taxes9903 | €213,348 | €155,141 | €237,157 | €112,344 | €51,674 | ▼ 54.0% |
| Income taxes67/77 | €25,949 | €22,894 | €31,016 | €25,271 | €15,679 | ▼ 38.0% |
| Profit (loss) for the period9904 | €187,399 | €132,247 | €206,141 | €87,073 | €35,996 | ▼ 58.7% |
| Profit (loss) for the period to be appropriated9905 | €187,399 | €132,247 | €206,141 | €87,073 | €35,996 | ▼ 58.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.3m | €1.8m | €2.2m | €1.8m | €1.8m | ▲ 4.1% |
| Formation expenses20 | €6,053 | €4,614 | €3,174 | €1,734 | €298 | ▼ 82.8% |
| Fixed assets21/28 | €147,848 | €123,614 | €256,964 | €271,146 | €248,782 | ▼ 8.2% |
| Intangible fixed assets21 | €4,170 | €2,504 | €994 | €34 | - | - |
| Tangible fixed assets22/27 | €141,678 | €119,110 | €253,970 | €269,112 | €246,782 | ▼ 8.3% |
| Plant, machinery and equipment23 | €79,093 | €57,863 | €56,497 | €50,806 | €46,247 | ▼ 9.0% |
| Furniture and vehicles24 | €42,100 | €44,810 | €141,506 | €153,023 | €144,707 | ▼ 5.4% |
| Other tangible fixed assets26 | €20,485 | €16,436 | €55,967 | €65,283 | €55,829 | ▼ 14.5% |
| Financial fixed assets28 | €2,000 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Current assets29/58 | €1.2m | €1.7m | €1.9m | €1.5m | €1.6m | ▲ 6.5% |
| Stocks and contracts in progress3 | €673,809 | €1.0m | €1.1m | €996,586 | €1.1m | ▲ 6.7% |
| Stocks30/36 | €673,809 | €1.0m | €1.1m | €996,586 | €1.1m | ▲ 6.7% |
| Amounts receivable within one year40/41 | €308,941 | €428,844 | €349,935 | €394,778 | €387,692 | ▼ 1.8% |
| Trade receivables40 | €294,145 | €327,864 | €349,297 | €383,381 | €374,789 | ▼ 2.2% |
| Other amounts receivable41 | €14,796 | €100,980 | €638 | €11,398 | €12,903 | ▲ 13.2% |
| Cash at bank and in hand54/58 | €176,228 | €179,404 | €392,087 | €88,786 | €120,013 | ▲ 35.2% |
| Deferred charges and accrued income490/1 | €4,908 | €6,591 | €11,708 | €9,669 | €14,837 | ▲ 53.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.3m | €1.8m | €2.2m | €1.8m | €1.8m | ▲ 4.1% |
| Equity10/15 | €470,189 | €527,436 | €608,577 | €670,650 | €706,646 | ▲ 5.4% |
| Contributions10/11 | €350,000 | €350,000 | €350,000 | €350,000 | €350,000 | = |
| Reserves13 | €162 | €175,000 | €250,000 | €300,000 | €356,646 | ▲ 18.9% |
| Non-distributable reserves130/1 | €162 | - | - | - | - | - |
| Reserves not available under the articles1311 | €162 | - | - | - | - | - |
| Distributable reserves133 | - | €175,000 | €250,000 | €300,000 | €356,646 | ▲ 18.9% |
| Profit (loss) carried forward14 | €120,027 | €2,436 | €8,577 | €20,650 | - | - |
| Amounts payable17/49 | €847,598 | €1.3m | €1.6m | €1.1m | €1.1m | ▲ 3.4% |
| Amounts payable after more than one year17 | - | - | €57,535 | €48,647 | €30,985 | ▼ 36.3% |
| Financial debts170/4 | - | - | €57,535 | €48,647 | €30,985 | ▼ 36.3% |
| Amounts payable within one year42/48 | €847,189 | €1.3m | €1.5m | €1.0m | €1.1m | ▲ 5.1% |
| Current portion of amounts payable after more than one year42 | - | - | €28,849 | €44,283 | €54,529 | ▲ 23.1% |
| Financial debts43 | €150,000 | €350,000 | €450,000 | €400,000 | €500,000 | ▲ 25.0% |
| Credit institutions430/8 | €150,000 | €350,000 | €450,000 | €400,000 | €500,000 | ▲ 25.0% |
| Trade debts44 | €243,892 | €439,392 | €563,872 | €299,405 | €378,096 | ▲ 26.3% |
| Suppliers440/4 | €243,892 | €439,392 | €563,872 | €299,405 | €378,096 | ▲ 26.3% |
| Advances received on contracts in progress46 | - | €5,291 | - | - | - | - |
| Taxes, remuneration and social security45 | €77,704 | €78,318 | €147,877 | €94,756 | €84,409 | ▼ 10.9% |
| Taxes450/3 | €35,457 | €48,562 | €93,697 | €40,617 | €39,341 | ▼ 3.1% |
| Remuneration and social security454/9 | €42,248 | €29,757 | €54,180 | €54,139 | €45,068 | ▼ 16.8% |
| Other amounts payable47/48 | €375,592 | €379,934 | €304,412 | €204,961 | €79,111 | ▼ 61.4% |
| Accrued charges and deferred income492/3 | €409 | €467 | €1,080 | - | €1,582 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €187,399 | €132,247 | €206,141 | €87,073 | €35,996 | ▼ 58.7% |
| + Depreciation and write-downs630 | €48,752 | €55,962 | €53,125 | €84,579 | €80,605 | ▼ 4.7% |
| Operating cash flow (approximation) | €236,151 | €188,209 | €259,265 | €171,652 | €116,601 | ▼ 32.1% |
| Investment in fixed assets (approximation) | - | -€31,728 | -€186,475 | -€98,760 | -€58,241 | ▲ 41.0% |
| Change in cash | - | €3,176 | €212,683 | -€303,301 | €31,227 | ▲ 110% |
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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €35,996 ▼58.7%
Net result drops to €35,996, the lowest in the series.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €206,141 ▲55.9%
Operating result €261,900, net result €206,141, both a record.
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €500,000Eq €527,436 ▲12.2%
5 profitable years in a row build equity to €527,436.
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
21-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 60 days late
2019
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
22-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
18-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Oostende · 1 establishment unit since 2014
Ground area
4,038 m²
Building footprint
2,076 m²
Volume, LiDAR
3,048 m³
Parcel 35026A0093/00E000, Flanders · tallest building 7.8 m. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
CLEVERMAC
since 20142.237.717.249
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35026A0093/00E000 | Flanders | 4,038 m² | 1 · 2,076 m² | 7.8 m |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
2 ownersChain of control
Highest known parent: DILEMMA. The sources do not say who stands above it.
Owners 2
- DIGIMparentSourceaccounts DIGIM 202563%
- Sourceaccounts DILEMMA 202537%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 2,503 companies in sector 46649 we hold annual accounts for 1,762. 1,416 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
Founded11-12-2014
Fiscal year end31-12
Activities, NACEBEL 2025
46649Wholesale of other machinery and equipment
46431Wholesale of electrical household appliances and audio-video equipment
46442Wholesale trade
95220Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
E-invoicing
Reachable via Peppol
Peppol ID
0208:0506764919
Also
9925:BE0506764919
Registered
24-12-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.