Losses
The 2024 and 2025 financial years closed with a loss. 2024 was the heaviest.
The 2024 and 2025 financial years closed with a loss. 2024 was the heaviest.
Less equity than 90% of companies in computer programming and consultancy. Sector median €69,072 · 21,214 companies.
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59.
The dashed line is the sector median: 0.1% across 25,932 companies (NACE 62, micro).
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro). It does better than 19% of them on solvency, 2% on liquidity, 5% on profitability and 13% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
In July 2024, 1,207 companies had the same profile as CLEVERTECH has now. Each dot stands for 4 companies, two years later.
Another 0.7% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of CLEVERTECH itself is lower: 0.5% within 12 months. It rests on far more data about CLEVERTECH than the profile alone.
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,207 companies, not a prediction for CLEVERTECH. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity is tight, with a current ratio of 1.17 (1.33 in 2024), below the usual 1.5. Short-term debt is 85.7% and cash 0% of total assets. 85.7% of the assets are financed with debt and provisions.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
The company filed its last 2 accounts on average 11 days after the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
| Company | ||||
|---|---|---|---|---|
| CLEVERTECH Jette | €9,842 | -€2,242 | 14.3% | - |
| CodeHex Donceel | €11,527 | -€31,684 | 37.8% | - |
| Resqcontrol Westerlo | €11,983 | -€439 | 33.5% | - |
| IT VISION CONSULT Welkenraedt | €8,638 | -€1,318 | -19.0% | - |
| Hexagons Ghent | €10,475 | -€9,905 | -12.8% | - |
| GDM & Associates Woluwe-Saint-Lambert | €7,808 | -€20,838 | -8.4% | - |
| YABA-IT-Consulting Brussels | €8,157 | -€549 | 89.4% | - |
These companies have the same main activity as CLEVERTECH: computer programming (NACE 62100). They are comparable in size and age: total assets between €7,810 and €12,000, founded between 2023 and 2024.
The annual accounts of CLEVERTECH for financial year 2025 show a net loss of 58% of the equity at the start of that year. The 2025 annual accounts show equity of €1,409 and a net result of -€1,948.
Its solvency ranks better than 17% of 21,208 sector peers (NACE 62, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.
The computed 12-month bankruptcy probability is 0.5% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Turnover and EBIT margin are not published. The micro format does not require them.
Higher than 17% of 21,208 companies in 2025.
Higher than 24% of 20,571 companies in 2025.
Higher than 8% of 20,746 companies in 2025.
Net result: bottom quarter · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: bottom quarter
| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
9,842 | 13,504 | |
29/58 |
9,842 | 13,504 | |
40/41 |
9,840 | 13,437 | |
40 |
2,253 | 6,793 | |
41 |
7,587 | 6,644 | |
54/58 |
3 | 68 | |
| Balance sheet: equity and liabilities | |||
10/49 |
9,842 | 13,504 | |
10/15 |
1,409 | 3,357 | |
10/11 |
10,000 | 10,000 | |
14 |
-8,591 | -6,643 | |
17/49 |
8,433 | 10,147 | |
42/48 |
8,433 | 10,147 | |
44 |
3,582 | 7,743 | |
440/4 |
3,582 | 7,743 | |
47/48 |
4,851 | 2,404 | |
| Income statement | |||
9900 |
-2,242 | -6,928 | |
640/8 |
66 | - | |
9901 |
-2,307 | -6,928 | |
75/76B |
367 | 375 | |
75 |
367 | 375 | |
65/66B |
8 | 90 | |
65 |
8 | 90 | |
9903 |
-1,948 | -6,643 | |
9904 |
-1,948 | -6,643 | |
9905 |
-1,948 | -6,643 | |
| Appropriation of the result | |||
9906 |
-8,591 | -6,643 | |
14P |
-6,643 | - | |
| Document | |||
The notes to these accounts have 1 item. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 24-07-2026.
| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| -65 | - | ||
| 1,409 | 3,357 | ||
| 14.3% | 24.9% | ||
| 1.17 | 1.33 | ||
| 5.98 | 3.02 | ||
| -138.2% | -197.9% | ||
| -19.8% | -49.2% |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
The operating result for 2025 is a loss of €2,307, smaller than the loss of €6,928 in 2024.
Debt's share of the balance-sheet total rises from 75.1% to 85.7%. Equity and debt are lower.
CLEVERTECH has no parent and no holdings in its annual accounts. Pion Arno Pierre is the only director.
| MD MEDICAL
establishment since 30-12-2009 · founded in 2009 |
total assets €501,929 (2025) 0821.872.981 |
| ALI TRANSPORT
registered office since 29-02-2016 · founded in 2016 |
total assets €234,371 (2025) 0649.483.393 |
| White Pearl
registered office since 10-08-2022 · founded in 2022 |
total assets €201,009 (2025) 0789.558.026 |
| Omanyondo Tshahe, Prisca (sole trader)
establishment since 21-01-2015 |
founded in 2015 0568.908.661 |
| Association des copropriétaires de la résidence "Muscari" à Jette, rue Marlène Dietrich, 4 à 8
registered office since 07-03-2005 |
founded in 2005 0872.332.975 |
| Rub The Building via Legal and Business Partners, at CLEVERTECH until 2024 · Director · deed of 31-03-2023 Open bankruptcy · founded in 2023 |
total assets €22,107 (2023) |
| Legal and Business Real Estate via Legal and Business Partners, at CLEVERTECH until 2024 · Director · deed of 22-05-2023 founded in 2023 · accounts filed late |
turnover €32,250 (2024) |
| BSJ CONSTRUCT via Legal and Business Partners, at CLEVERTECH until 2024 · Director · deed of 05-07-2023 founded in 2023 |
total assets €64,597 (2025) |
Deadline for the 2026 accounts: 31-07-2027
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
CLEVERTECH was incorporated on 13 October 2023 as a private limited company by Legal and Business Partners and two natural persons, with a starting capital of €10,000.12 The registered office was moved to Jette in 2024.3 Pion Arno Pierre is director of the company, appointed by deed of 17-10-2024.3
| Establishment | Since | Unit number |
|---|---|---|
| Marlène Dietrichstraat 4 registered office 1090 Jette | ||
| Koning Albert I Laan 64 1780 Wemmel | 13-10-2023 | 2.353.019.466 |
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 22662B0344/00D003 | Flanders | 2,523 m² | 1 · 556 m² | 15.3 m · 4 |
| 21010A0073/00N003 | Brussels | 1,937 m² | 1 · 925 m² | 28.9 m · 8 |
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