Cleverty
ActiveSummary
Cleverty has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €197,765 and a net result of €95,764. Equity is growing by ~24.8% per year across the filed fiscal years. Its solvency ranks better than 62% of 17123 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+18
Solvency95▼-5
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18,000 at 30 days acceptable
Liquidity ample (current ratio 2.91 against 14.79 in 2024; short-term debt: 29.6% and cash: 51% of total assets), and 29.6% 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 · 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
70.4%
Return on assets
34.1%
Age of the figures
9 mo
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 17-03-2026, 136 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
136 d early
2024
45 d early
2023
14 d early
2022
52 d early
2021
54 d early
2020
151 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 75 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% 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
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file What other support did companies like this one receive, and it did not?Subsidy mirror How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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Financials · fiscal year 2025, micro schema
Equity
€197,765▼ 20.2%
2024 · €247,938
Total assets
€280,882▲ 6.7%
2024 · €263,240
Net result
€95,764▲ 235%
2024 · €28,619
Working capital
€158,466▼ 22.3%
2024 · €203,874
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€129,909▼ 45.6%€75,473▼ 41.9%€79,648▲ 5.5%€37,967▼ 52.3%€127,813▲ 237%
Net result€92,159▼ 47.0%€53,713▼ 41.7%€57,453▲ 7.0%€28,619▼ 50.2%€95,764▲ 235%
Equity€113,138▲ 439%€165,251▲ 46.1%€221,037▲ 33.8%€247,938▲ 12.2%€197,765▼ 20.2%
Total assets€184,012▼ 47.3%€200,926▲ 9.2%€237,507▲ 18.2%€263,240▲ 10.8%€280,882▲ 6.7%
Debt€70,874▼ 78.4%€35,676▼ 49.7%€16,470▼ 53.8%€15,302▼ 7.1%€83,117▲ 443%
Working capital€93,052▲ 2,862%€147,898▲ 58.9%€192,182▲ 29.9%€203,874▲ 6.1%€158,466▼ 22.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 237% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €280,882
Fixed assets
€39,409 ▼ 11.6%
Current assets
€241,472 ▲ 10.4%
Equity and liabilities €280,882
Equity
€197,765 ▼ 20.2%
Debt
€83,117 ▲ 443%
Debt's share of the balance-sheet total rises from 5.8% to 29.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€137,868▲
2024 · €44,834
Cash flow
€105,820▲
2024 · €35,485
Current ratio
2.91▼
2024 · 14.79
Debt to equity
0.42▲
2024 · 0.06
ROE
48.4%▲
2024 · 11.5%
ROA
34.1%▲
2024 · 10.9%
Interest coverage
1744.50▲
2024 · 458.42
Debt ≤ 1 year
€83,006▲
2024 · €14,780
Income taxes
€39,692▲
2024 · €11,768
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8,660 | €8,624 | €9,969 | €6,867 | €10,055 | ▲ 46.4% |
| Other operating charges640/8 | €909 | €1,094 | €881 | €913 | €919 | ▲ 0.7% |
| Gross operating margin9900 | €139,478 | €85,191 | €90,498 | €45,746 | €138,787 | ▲ 203% |
| Operating profit (loss)9901 | €129,909 | €75,473 | €79,648 | €37,967 | €127,813 | ▲ 237% |
| Financial income75/76B | €55 | €3 | €65 | €2,517 | €7,722 | ▲ 207% |
| Recurring financial income75 | €55 | €3 | €65 | €2,517 | €7,722 | ▲ 207% |
| Financial charges65/66B | €690 | €699 | €113 | €98 | €79 | ▼ 19.2% |
| Recurring financial charges65 | €690 | €699 | €113 | €98 | €79 | ▼ 19.2% |
| Profit (loss) for the period before taxes9903 | €129,275 | €74,777 | €79,600 | €40,386 | €135,456 | ▲ 235% |
| Income taxes67/77 | €37,116 | €21,064 | €22,148 | €11,768 | €39,692 | ▲ 237% |
| Profit (loss) for the period9904 | €92,159 | €53,713 | €57,453 | €28,619 | €95,764 | ▲ 235% |
| Profit (loss) for the period to be appropriated9905 | €92,159 | €53,713 | €57,453 | €28,619 | €95,764 | ▲ 235% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €184,012 | €200,926 | €237,507 | €263,240 | €280,882 | ▲ 6.7% |
| Fixed assets21/28 | €25,977 | €17,353 | €28,856 | €44,586 | €39,409 | ▼ 11.6% |
| Tangible fixed assets22/27 | €25,727 | €17,103 | €28,606 | €44,336 | €39,159 | ▼ 11.7% |
| Plant, machinery and equipment23 | €9,005 | €7,636 | €24,268 | €21,048 | €22,461 | ▲ 6.7% |
| Furniture and vehicles24 | €16,722 | €9,467 | €4,338 | €23,289 | €16,699 | ▼ 28.3% |
| Financial fixed assets28 | €250 | €250 | €250 | €250 | €250 | = |
| Current assets29/58 | €158,035 | €183,574 | €208,652 | €218,654 | €241,472 | ▲ 10.4% |
| Amounts receivable within one year40/41 | €68,970 | €11,879 | €13,879 | €21,552 | €87,738 | ▲ 307% |
| Trade receivables40 | €68,970 | €10,500 | €11,673 | €10,164 | €27,322 | ▲ 169% |
| Other amounts receivable41 | €0 | €1,379 | €2,206 | €11,388 | €60,417 | ▲ 431% |
| Cash at bank and in hand54/58 | €88,686 | €171,286 | €194,467 | €194,958 | €143,351 | ▼ 26.5% |
| Deferred charges and accrued income490/1 | €378 | €409 | €305 | €2,144 | €10,383 | ▲ 384% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €184,012 | €200,926 | €237,507 | €263,240 | €280,882 | ▲ 6.7% |
| Equity10/15 | €113,138 | €165,251 | €221,037 | €247,938 | €197,765 | ▼ 20.2% |
| Contributions10/11 | €20,000 | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Reserves13 | €93,138 | €145,251 | €201,037 | €227,938 | €177,765 | ▼ 22.0% |
| Distributable reserves133 | €93,138 | €145,251 | €201,037 | €227,938 | €177,765 | ▼ 22.0% |
| Profit (loss) carried forward14 | €0 | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €70,874 | €35,676 | €16,470 | €15,302 | €83,117 | ▲ 443% |
| Amounts payable after more than one year17 | €5,891 | €0 | - | - | - | - |
| Financial debts170/4 | €5,891 | €0 | - | - | - | - |
| Amounts payable within one year42/48 | €64,983 | €35,676 | €16,470 | €14,780 | €83,006 | ▲ 462% |
| Current portion of amounts payable after more than one year42 | €7,764 | €5,891 | €0 | - | - | - |
| Financial debts43 | €13 | €5 | €0 | €37 | €0 | ▼ 100% |
| Credit institutions430/8 | €13 | €5 | €0 | - | - | - |
| Other loans439 | - | - | - | €37 | €0 | ▼ 100% |
| Trade debts44 | €2,283 | €967 | €1,351 | €2,179 | €3,199 | ▲ 46.9% |
| Suppliers440/4 | €2,283 | €967 | €1,351 | €2,179 | €3,199 | ▲ 46.9% |
| Taxes, remuneration and social security45 | €54,886 | €27,213 | €13,453 | €10,846 | €25,594 | ▲ 136% |
| Taxes450/3 | €54,886 | €27,213 | €13,453 | €10,846 | €25,594 | ▲ 136% |
| Other amounts payable47/48 | €37 | €1,600 | €1,666 | €1,718 | €54,213 | ▲ 3,056% |
| Accrued charges and deferred income492/3 | - | - | - | €523 | €110 | ▼ 78.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €92,159 | €53,713 | €57,453 | €28,619 | €95,764 | ▲ 235% |
| + Depreciation and write-downs630 | €8,660 | €8,624 | €9,969 | €6,867 | €10,055 | ▲ 46.4% |
| Operating cash flow (approximation) | €100,818 | €62,337 | €67,422 | €35,485 | €105,820 | ▲ 198% |
| Investment in fixed assets (approximation) | - | €0 | -€21,472 | -€22,597 | -€4,878 | ▲ 78.4% |
| Change in cash | - | €82,600 | €23,181 | €491 | -€51,607 | ▼ 10,611% |
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
17-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €28,619 ▼50.2%
Net result drops to €28,619, the lowest in the series; recovery starts the following year.
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 12.67
Current ratio from 5.15 to 12.67; short-term debt falls from €35,676 to €16,470.
31-12
Financial
Equity above €200,000Eq €221,037 ▲33.8%
4 profitable years in a row build equity to €221,037.
09-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity doublescurrent ratio 5.15
Current ratio from 2.43 to 5.15; short-term debt falls from €64,983 to €35,676.
31-12
Financial
Equity above €150,000Eq €165,251 ▲46.1%
3 profitable years in a row build equity to €165,251.
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity doublescurrent ratio 2.43
Current ratio from 1.01 to 2.43; short-term debt falls from €278,331 to €64,983.
31-12
Financial
Equity above €100,000Eq €113,138 ▲439%
2 profitable years in a row build equity to €113,138.
02-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Ronse · 1 establishment unit since 2019
Ground area
2,847 m²
Building footprint
145 m²
Volume, LiDAR
828 m³
Parcel 45041B0661/00R005, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Cleverty
since 20192.289.256.022
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45041B0661/00R005 | Flanders | 2,847 m² | 1 · 145 m² | 7.6 m · 2 fl. |
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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 1,416 EUR awarded · 1,416 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,416 EUR | 1,416 EUR |
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Of 30,007 companies in sector 62200 we hold annual accounts for 18,394. 14,786 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
Founded02-05-2019
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
62100Computer programming
68322Real estate appraisal on a fee or contract basis
71111Activities of building architects
74130Interior design
82990Other business support services
85599Other education
90201Performing arts by independent artists
Contact
Website
cleverty.io
E-mail
hello@clerverty.io
Scores and ratios are computed by Checked and are not a credit decision.