CLEW SYSTEMS & SOFTWARE
ActiveCLEW SYSTEMS & SOFTWARE has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €487k and a net result of €64k. Equity is growing by ~18% per year across the filed fiscal years. Its solvency ranks better than 70% of 912 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-21
Solvency87=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 2.64 against 2.8 in 2024; short-term debt: 36.1% and cash: 23.9% of total assets), and 37.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 77
Relative position
BE, all sectors
reference
Sector 77
higher
← fewer bankruptcies
more bankruptcies →
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
62.1%
Return on assets
8.2%
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
7 d early
2023
11 d early
2022
5 d early
2021
20 d early
2020
121 d early
2019
59 d late
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€487k▲ 9.5%
2024 · €445k
2018: €162k
2019: €183k
2020: €220k
2021: €234k
2022: €338k
2023: €364k
2024: €445k
2018 → 2025
Total assets
€784k▲ 8.9%
2024 · €720k
2018: €374k
2019: €325k
2020: €377k
2021: €386k
2022: €686k
2023: €761k
2024: €720k
2018 → 2025
Net result
€64k▼ 64.6%
2024 · €181k
2018: €-3k
2019: €22k
2020: €76k
2021: €14k
2022: €234k
2023: €82k
2024: €181k
2018 → 2025
Working capital
€463k▲ 7.4%
2024 · €431k
2018: €72k
2019: €145k
2020: €188k
2021: €204k
2022: €319k
2023: €314k
2024: €431k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€234k-€338k▲ 44.5%€364k▲ 7.7%€445k▲ 22.2%€487k▲ 9.5%
Operating result€71k-€284k▲ 301%€102k▼ 64.0%€220k▲ 115%€89k▼ 59.6%
Net result€14k-€234k▲ 1,561%€82k▼ 64.9%€181k▲ 120%€64k▼ 64.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 60% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €784k
Fixed assets
€38k▼ 23.2%
Current assets
€746k▲ 11.3%
Equity and liabilities €784k
Equity
€487k▲ 9.5%
Debt
€297k▲ 7.9%
The debt ratio falls from 38.3% to 37.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€103k▼
2024 · €234k
Cash flow
€79k▼
2024 · €195k
Solvency
62.1%▲
2024 · 61.7%
Current ratio
2.64▼
2024 · 2.80
Quick ratio
2.54▼
2024 · 2.72
Debt / equity
0.61▼
2024 · 0.62
ROE
13.2%▼
2024 · 40.7%
ROA
8.2%▼
2024 · 25.1%
Interest coverage
16.64▼
2024 · 25.22
Debt
€297k▲
2024 · €276k
Debt ≤ 1 year
€283k▲
2024 · €239k
Debt > 1 year
€499
Income taxes
€34k▼
2024 · €42k
Staff costs
€285k▲
2024 · €269k
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€720k€784k▲
Fixed assets21/28€50k€38k▼
Intangible fixed assets21€0-
Tangible fixed assets22/27€50k€38k▼
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€20k€14k▼
Other tangible fixed assets26€25k€21k▼
Current assets29/58€670k€746k▲
Amounts receivable after more than one year29€312€0▼
Other amounts receivable291€312€0▼
Stocks and contracts in progress3€19k€27k▲
Stocks30/36€19k€27k▲
Amounts receivable within one year40/41€256k€523k▲
Trade receivables40€225k€513k▲
Other amounts receivable41€32k€10k▼
Cash at bank and in hand54/58€388k€188k▼
Deferred charges and accrued income490/1€7k€9k▲
Equity and liabilities
Total equity and liabilities10/49€720k€784k▲
Equity10/15€445k€487k▲
Contributions10/11€119k€119k=
Reserves13€326k€368k▲
Distributable reserves133€326k€368k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€276k€297k▲
Amounts payable after more than one year17-€499
Other amounts payable178/9-€499
Amounts payable within one year42/48€239k€283k▲
Trade debts44€111k€219k▲
Suppliers440/4€111k€219k▲
Taxes, remuneration and social security45€29k€64k▲
Taxes450/3€1k€33k▲
Remuneration and social security454/9€27k€31k▲
Other amounts payable47/48€100k€0▼
Accrued charges and deferred income492/3€37k€14k▼
Income statement
Code20242025
Remuneration, social security and pensions62€269k€285k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€15k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€3k€8k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€509k€397k▼
Operating profit (loss)9901€220k€89k▼
Financial income75/76B€12k€15k▲
Recurring financial income75€12k€15k▲
Financial charges65/66B€9k€6k▼
Recurring financial charges65€9k€6k▼
Profit (loss) for the period before taxes9903€222k€98k▼
Income taxes67/77€42k€34k▼
Profit (loss) for the period9904€181k€64k▼
Profit (loss) for the period to be appropriated9905€181k€64k▼
Appropriation of the result
Profit (loss) to be appropriated9906€181k€64k▼
Transfer from equity791/2-€22k
Transfer to equity691/2€81k€64k▼
To other reserves6921€81k€64k▼
Profit to be distributed694/7€100k€22k▼
Return on contributions (dividend)694-€22k
Directors or managers695€100k€0▼
Social balance
Average headcount (FTE)90873.04.0▲
The notes to these accounts (12 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
20-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €234k ▲1561%
Operating result €284k, net result €234k, both a record.
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
01-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €200kEq €220k ▲19.8%
2 profitable years in a row build equity to €220k.
28-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 59 days late
2019
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
01-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 62 days late
2017
30-06
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.
Directors · office · real estate
Directors
9 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, Roeselare · 1 establishment unit since 2015
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.
Kwadestraat 151B8800 RoeselareGround area
6,480 m²
Building footprint
1,373 m²
Volume, LiDAR
30,474 m³
Parcel 36017A1288/00F000, Flanders · tallest building 26.5 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
Clew Systems & Software
since 20152.245.491.305
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36017A1288/00F000 | Flanders | 6,480 m² | 1 · 1,373 m² | 26.5 m · 7 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 2 entries · 1,788 EUR awarded · 1,788 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,635 EUR | 1,635 EUR |
| 2022 | 1 | 153 EUR | 153 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 174 companies in sector 77330 we hold annual accounts for 109. 70 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-06-2015
Fiscal year end31-12
Activities, NACEBEL
62030Computer programming, consultancy and related activities
62200Computer consultancy and computer facilities management
77330Rental and leasing activities
47400Retail sale of information and communication equipment
47410Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.