CleverSystems
ActiveCleverSystems has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €34k and a net result of €6k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 84% of 3476 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▼-10
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 5.59 against 4.66 in 2024; short-term debt: 15.4% and cash: 43.7% of total assets), and 16.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 74
Relative position
BE, all sectors
reference
Sector 74
lower
← 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
83.7%
Return on assets
14.2%
Age of the figures
12 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €34k
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 31-05-2026, 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
26 d late
2023
30 d late
2022
4 d late
2021
31 d late
2020
26 d late
2019
18 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
20-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€34k▲ 20.4%
2024 · €28k
2018: €-3k
2019: €-4k
2020: €-2k
2021: €1k
2022: €9k
2023: €21k
2024: €28k
2018 → 2025
Total assets
€41k▲ 18.8%
2024 · €34k
2018: €3k
2019: €3k
2020: €2k
2021: €5k
2022: €20k
2023: €26k
2024: €34k
2018 → 2025
Net result
€6k▼ 23.2%
2024 · €8k
2018: €-883
2019: €-726
2020: €2k
2021: €3k
2022: €8k
2023: €12k
2024: €8k
2018 → 2025
Working capital
€29k▲ 42.9%
2024 · €20k
2018: €-3k
2019: €-4k
2020: €-1k
2021: €2k
2022: €10k
2023: €23k
2024: €20k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1k-€9k▲ 509%€21k▲ 131%€28k▲ 36.1%€34k▲ 20.4%
Operating result€3k-€8k▲ 143%€13k▲ 67.8%€11k▼ 15.9%€9k▼ 21.5%
Net result€3k-€8k▲ 142%€12k▲ 57.3%€8k▼ 36.4%€6k▼ 23.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 21% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €41k
Fixed assets
€6k▼ 34.2%
Current assets
€35k▲ 36.7%
Equity and liabilities €41k
Equity
€34k▲ 20.4%
Debt
€7k▲ 11.5%
The debt ratio falls from 17.4% to 16.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€11k▲
2024 · €11k
Cash flow
€9k▲
2024 · €8k
Solvency
83.7%▲
2024 · 82.6%
Current ratio
5.59▲
2024 · 4.66
Quick ratio
5.59▲
2024 · 4.66
Debt / equity
0.19▼
2024 · 0.21
ROE
16.9%▼
2024 · 26.5%
ROA
14.2%▼
2024 · 21.9%
Interest coverage
77.04▼
2024 · 244.90
Debt
€7k▲
2024 · €6k
Debt ≤ 1 year
€6k▲
2024 · €6k
Income taxes
€4k▼
2024 · €4k
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€34k€41k▲
Fixed assets21/28€9k€6k▼
Tangible fixed assets22/27€9k€6k▼
Furniture and vehicles24€9k€6k▼
Current assets29/58€26k€35k▲
Amounts receivable within one year40/41€20k€17k▼
Trade receivables40€450-
Other amounts receivable41€19k€17k▼
Cash at bank and in hand54/58€6k€18k▲
Deferred charges and accrued income490/1€52€247▲
Equity and liabilities
Total equity and liabilities10/49€34k€41k▲
Equity10/15€28k€34k▲
Contributions10/11€19k€19k=
Reserves13€10k€16k▲
Distributable reserves133€10k€16k▲
Profit (loss) carried forward14€67€120▲
Amounts payable17/49€6k€7k▲
Amounts payable within one year42/48€6k€6k▲
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€4k€2k▼
Taxes450/3€4k€2k▼
Other amounts payable47/48-€2k
Accrued charges and deferred income492/3€453€379▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€228€3k▲
Other operating charges640/8€552€719▲
Gross operating margin9900€12k€12k▲
Operating profit (loss)9901€11k€9k▼
Financial income75/76B€597€992▲
Recurring financial income75€597€992▲
Financial charges65/66B€45€149▲
Recurring financial charges65€45€149▲
Profit (loss) for the period before taxes9903€11k€9k▼
Income taxes67/77€4k€4k▼
Profit (loss) for the period9904€8k€6k▼
Profit (loss) for the period to be appropriated9905€8k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€8k€6k▼
Profit (loss) brought forward from the previous period14P€14€67▲
Transfer to equity691/2€8k€6k▼
To other reserves6921€8k€6k▼
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
31-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
26-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
30-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
30-09
Financial
Highest result since 2018net €12k ▲57.3%
Operating result €13k, net result €12k, both a record.
30-09
Financial
Liquidity quadruplescurrent ratio 8.68
Current ratio from 1.97 to 8.68; short-term debt falls from €10k to €3k.
04-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 4 days late
2022
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
30-09
Financial
Liquidity triplescurrent ratio 1.90
Current ratio from 0.58 to 1.90; short-term debt falls from €3k to €2k.
26-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
30-09
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
18-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 18 days late
2019
29-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Wavre · 1 establishment unit since 2010
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.
Clos du Paradis 341300 WavreGround area
1,362 m²
Building footprint
147 m²
Volume, LiDAR
1,009 m³
Parcel 25055D0522/00E000, Wallonia · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Clos du Paradis 34, 1300 Wavre
since 20102.190.424.702
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25055D0522/00E000 | Wallonia | 1,362 m² | 1 · 147 m² | 9.6 m · 2 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteWavre2.190.424.702
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Of 4,567 companies in sector 74999 we hold annual accounts for 1,938. 1,447 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded15-06-2010
Fiscal year end30-09
Activities, NACEBEL
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.