Cliëntenforum
ActiveSummary
Cliëntenforum has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €75,512 and a net result of -€4,937. Equity is growing by ~22.7% per year across the filed fiscal years. Its solvency ranks better than 50% of 531 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability31▼-40
Solvency66▼-19
Growth52=
Track record94
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5,000 at 30 days acceptable
Liquidity ample (current ratio 1.68 against 2.46 in 2024; short-term debt: 59.1% and cash: 97.5% of total assets), but 59.2% of the assets are financed with debt.
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Signals
Six 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 88
Relative position
BE, all sectors
reference
Social work activities without accommodation (NACE 88)
about 62% 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
40.8%
Return on assets
-2.7%
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 20-03-2026, 133 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
133 d early
2024
129 d early
2023
124 d early
2022
125 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 128 days before the deadline; the sector median for financial year 2024 is 24 days before the deadline, and 25% 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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€75,512▼ 6.1%
2024 · €80,449
Total assets
€184,985▲ 37.0%
2024 · €135,019
Net result
-€4,937
2024 · €17,989
Working capital
€74,758▼ 6.0%
2024 · €79,547
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 88, Social work activities without accommodation, 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
Line2022202320242025
Operating result€35,783-€26,859▼ 24.9%€18,105▼ 32.6%-€5,123
Net result€35,720above the sector's middle half-€26,740within the sector's middle half▼ 25.1%€17,989within the sector's middle half▼ 32.7%-€4,937below the sector's middle half
Equity€35,720within the sector's middle half-€62,459within the sector's middle half▲ 74.9%€80,449within the sector's middle half▲ 28.8%€75,512within the sector's middle half▼ 6.1%
Total assets€72,831below the sector's middle half-€143,914within the sector's middle half▲ 97.6%€135,019within the sector's middle half▼ 6.2%€184,985within the sector's middle half▲ 37.0%
Debt€37,111-€81,454▲ 119%€54,570▼ 33.0%€109,473▲ 101%
Working capital€34,818-€66,520▲ 91.1%€79,547▲ 19.6%€74,758▼ 6.0%
Solvency49.0%within the sector's middle half-43.4%within the sector's middle half▼ 5.6pp59.6%within the sector's middle half▲ 16.2pp40.8%within the sector's middle half▼ 18.8pp
above
within
below
the middle half (P25 to P75) of NACE 88, Social work activities without accommodation, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €5,123 after €18,105 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €184,985
Fixed assets
€902 =
Current assets
€184,083 ▲ 37.3%
Equity and liabilities €184,985
Equity
€75,512 ▼ 6.1%
Debt
€109,473 ▲ 101%
Debt's share of the balance-sheet total rises from 40.4% to 59.2%. Equity is lower and debt is higher.
Key figures and ratios
Current ratio
1.68▼
2024 · 2.46
Debt to equity
1.45▲
2024 · 0.68
ROE
-6.5%▼
2024 · 22.4%
ROA
-2.7%▼
2024 · 13.3%
Debt ≤ 1 year
€109,324▲
2024 · €54,570
Staff costs
€82,271▼
2024 · €157,333
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,151 companies that looked in July 2024 the way this one looks now, 2.1% went bankrupt within 24 months and 91% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a small loss
2.1%
went bankrupt
5.9%
stopped otherwise
91%
still going
A further 0.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 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% | 1.6% |
| 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 74% 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 2,151 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 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Goods, raw materials, services and sundry goods60/61 | €111,981 | - | €66,610 | €76,540 | ▲ 14.9% |
| Remuneration, social security and pensions62 | €77,468 | €150,837 | €157,333 | €82,271 | ▼ 47.7% |
| Gross operating margin9900 | €113,251 | €177,696 | €175,438 | €77,148 | ▼ 56.0% |
| Operating profit (loss)9901 | €35,783 | €26,859 | €18,105 | -€5,123 | ▼ 128% |
| Financial income75/76B | - | €15 | - | €270 | - |
| Recurring financial income75 | - | €15 | - | €270 | - |
| Financial charges65/66B | €63 | €134 | €116 | €84 | ▼ 27.2% |
| Recurring financial charges65 | €63 | €134 | €116 | €84 | ▼ 27.2% |
| Profit (loss) for the period before taxes9903 | €35,720 | €26,740 | €17,989 | -€4,937 | ▼ 127% |
| Profit (loss) for the period9904 | €35,720 | €26,740 | €17,989 | -€4,937 | ▼ 127% |
| Profit (loss) for the period to be appropriated9905 | €35,720 | €26,740 | €17,989 | -€4,937 | ▼ 127% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €72,831 | €143,914 | €135,019 | €184,985 | ▲ 37.0% |
| Fixed assets21/28 | €902 | €902 | €902 | €902 | = |
| Financial fixed assets28 | €902 | €902 | €902 | €902 | = |
| Current assets29/58 | €71,929 | €143,012 | €134,117 | €184,083 | ▲ 37.3% |
| Amounts receivable within one year40/41 | €20,360 | €23,578 | €24,139 | €981 | ▼ 95.9% |
| Other amounts receivable41 | €20,360 | €23,578 | €24,139 | €981 | ▼ 95.9% |
| Cash at bank and in hand54/58 | €50,282 | €116,059 | €108,637 | €180,379 | ▲ 66.0% |
| Deferred charges and accrued income490/1 | €1,287 | €3,375 | €1,340 | €2,723 | ▲ 103% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €72,831 | €143,914 | €135,019 | €184,985 | ▲ 37.0% |
| Equity10/15 | €35,720 | €62,459 | €80,449 | €75,512 | ▼ 6.1% |
| Reserves13 | €16,796 | €31,747 | €37,720 | €20,551 | ▼ 45.5% |
| Profit (loss) carried forward14 | €18,924 | €30,713 | €42,729 | €54,961 | ▲ 28.6% |
| Amounts payable17/49 | €37,111 | €81,454 | €54,570 | €109,473 | ▲ 101% |
| Amounts payable within one year42/48 | €37,111 | €76,491 | €54,570 | €109,324 | ▲ 100% |
| Trade debts44 | €21,443 | €14,636 | €2,246 | €636 | ▼ 71.7% |
| Suppliers440/4 | €21,443 | €14,636 | €2,246 | €636 | ▼ 71.7% |
| Taxes, remuneration and social security45 | €15,668 | €30,371 | €23,378 | €8,360 | ▼ 64.2% |
| Taxes450/3 | - | €4,651 | €4,186 | €1,769 | ▼ 57.7% |
| Remuneration and social security454/9 | €15,668 | €25,720 | €19,192 | €6,591 | ▼ 65.7% |
| Accrued charges and deferred income492/3 | - | €4,963 | - | €148 | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €35,720 | €26,740 | €17,989 | -€4,937 | ▼ 127% |
| Operating cash flow (approximation) | €35,720 | €26,740 | €17,989 | -€4,937 | ▼ 127% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | - |
| Change in cash | - | €65,777 | -€7,421 | €71,742 | ▲ 1,067% |
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
20-07
State Gazette act
Permanent representatives: WENDELINE DE BAERE and VALERIE DEMEDTS3 facts ▸
State Gazette act
Permanent representatives: WENDELINE DE BAERE and VALERIE DEMEDTS
3 facts ▸
- General meeting, 18-03-2026
- Permanent representative, WENDELINE DE BAERE (permanent representative)
- Permanent representative, VALERIE DEMEDTS (permanent representative)
20-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet -€4,937
Net result drops to -€4,937, the lowest in the series.
24-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 5 acts read
About the unread acts
Of the 5 Belgian State Gazette acts we know for this company, 1 has been read. The other 4 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Brussel · 1 establishment unit since 2022
Ground area
551 m²
Building footprint
516 m²
Volume, LiDAR
10,368 m³
Parcel 21805E0382/00G000, Brussels · tallest building 26.7 m, ±8 floors. Linked by address, not a title deed.
25
companies at this address
See who is registered here
1 establishment unit
Cliëntenforum VZW
since 20222.327.631.992
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21805E0382/00G000 | Brussels | 551 m² | 1 · 516 m² | 26.7 m · 8 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
2022 to 2025 · 5 entries · 942,611 EUR awarded · 918,147 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 244,637 EUR | 244,205 EUR |
| 2024 | 1 | 0 EUR | 239,863 EUR |
| 2023 | 1 | 240,317 EUR | 232,562 EUR |
| 2022 | 2 | 457,657 EUR | 201,517 EUR |
Recognitions · licences · registrations
Care and welfare
1 serviceCliëntenforum
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Of 258 companies in sector 88992 we hold annual accounts for 136. 83 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formNon-profit association
Founded27-12-2021
Fiscal year end31-12
Activities, NACEBEL 2025
88992Social work activities without accommodation
Contact
E-mail
info@clientenforum.be
Website
www.clientenforum.be/Brussel
E-invoicing
Reachable via Peppol
Peppol ID
0208:0779375994
Also
9925:BE0779375994
Registered
27-01-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.