CLIF - CONSULT

Active

Private limited company (pre-2019)founded 199333 yrs activeLeopold I-laan 111, 8000 Brugge, BelgiumKBO/BCE: BE 0448.903.726

Summary

CLIF - CONSULT has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €218,515 and a net result of -€29,749. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 92% of 22026 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisWatch Report Compare

CLIF - CONSULTActiveChecked score 90/100

Risk analysis Report Compare

Activity

Retail sale of information and communication equipment

NACE 47400NACE 47410NACE 52487

1 site

Size

€251,285total assets 2025

Equity: €218,515
Loss: -€29,749

Turnover not published (abridged schema)

Financial health

90 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.2%

Structure

Accounts filed 24 d late0 of 2 deeds read

Why 90- Loss of €29,749, the second in a row (FY 2025)- Sector Retail trade (NACE 47)+ Liquidity: current ratio 7.67, cash €245,178+ Equity €218,515 (87.0% of total assets)Show the evidence

Checked score

Score 2025

90 / 100

Excellent

Probability in this band: under 0.55%

Better than 57% of its sector peers (NACE 47, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 100=

equity 87.0% of total assets

Liquidity 98-1

short-term debt 13.0% · cash 97.6%

Profitability 8-21

return on assets -11.8%

Bankruptcy probability, 12 months

0.2% Very low

0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,158 companies)

Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● 0.0% vs 11-2024 01-2025: < 0.1%▼ -5.9% vs 12-2024lowest value 02-2025: < 0.1%● 0.0% vs 01-2025lowest value 03-2025: < 0.1%● 0.0% vs 02-2025lowest value 04-2025: < 0.1%▲ +9.4% vs 03-2025 05-2025: < 0.1%● 0.0% vs 04-2025 06-2025: < 0.1%● 0.0% vs 05-2025 07-2025: < 0.1%▲ +17.1% vs 06-2025 08-2025: 0.1%▲ +43.9% vs 07-2025 09-2025: 0.1%▲ +30.5% vs 08-2025 10-2025: 0.1%● 0.0% vs 09-2025 11-2025: 0.1%● 0.0% vs 10-2025 12-2025: 0.1%● 0.0% vs 11-2025 01-2026: 0.1%▼ -15.6% vs 12-2025 02-2026: 0.1%● 0.0% vs 01-2026 03-2026: 0.1%● 0.0% vs 02-2026 04-2026: 0.1%▼ -1.5% vs 03-2026 05-2026: 0.1%● 0.0% vs 04-2026 06-2026: 0.1%▲ +1.6% vs 05-2026 07-2026: 0.1%▲ +7.7% vs 06-2026 08-2026: 0.1%▲ +62.9% vs 07-2026 09-2026: 0.2%▲ +59.6% vs 08-2026highest value 10-2026: 0.2%● 0.0% vs 09-2026highest value

Loss of €29,749, the second in a row (FY 2025) raises the probability
Liquidity: current ratio 7.67, cash €245,178 lowers the probability
Equity €218,515 (87.0% of total assets) lowers the probability
Sector Retail trade (NACE 47) raises the probability

Credit up to €19,000 at 30 days acceptable

Liquidity ample (current ratio 7.67 against 8.71 in 2024; short-term debt: 13% and cash: 97.6% of total assets), and 13% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 92%, liquidity 96%, profitability 16%, growth against the median 24%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Loss of €29,749, the second in a row (FY 2025)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Liquidity: current ratio 7.67, cash €245,178

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Equity €218,515 (87.0% of total assets)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Sector Retail trade (NACE 47)

In the bankruptcy model this factor raises the probability.

KBO

Persistent losses

Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.

NBB · annual accounts 2025

Net result per financial year

1819202122232425

2018 to 2025 · latest year -€29,749

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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 filings

Deviation from the deadline

2025

24 d late

2024

31 d late

2023

26 d late

2022

29 d late

2021

14 d late

2020

30 d late

2019

96 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 36 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

Checked, nothing found (2)

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. Usually files around 27 August (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

05-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

24-08-26 Annual accounts filedfiscal year 2025 · micro…
31-12-25 Weakest financial yearnet -€29,749
31-08-25 Annual accounts filedfiscal year 2024 · micro…

Key points

Caution: Among the weakest 8% on net resultsector median €5,036 · 22,005 companies -€29,749 View
Caution: 2 loss-making years in a rowloss fiscal year 2025 -€29,749 View
Active since 1993founded 04-01-1993 33 years View