CLIMAN EXPERTISES is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €79k and a net result of €77k. Its solvency ranks better than 65% of 2435 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2024, under 3 years, statistically higher risk.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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 · 1 filingDeviation from the deadline
2025
30 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€79k
Net result
€77k
Total assets
€119k
Solvency
66.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €119k
Fixed assets
€35k
Current assets
€84k
Equity and liabilities €119k
Equity
€79k
Debt
€39k
Debt finances 33.2% of the balance-sheet total.
Key figures and ratios
Solvency
66.8%
ROE
97.5%
ROA
65.1%
Debt
€39k
Debt ≤ 1 year
€39k
Income taxes
€20k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€119k
Fixed assets21/28€35k
Tangible fixed assets22/27€35k
Land and buildings22€23k
Plant, machinery and equipment23€990
Furniture and vehicles24€10k
Current assets29/58€84k
Amounts receivable within one year40/41€66k
Trade receivables40€63k
Other amounts receivable41€3k
Cash at bank and in hand54/58€18k
Equity and liabilities
Total equity and liabilities10/49€119k
Equity10/15€79k
Contributions10/11€2k
Reserves13€75k
Distributable reserves133€75k
Profit (loss) carried forward14€2k
Amounts payable17/49€39k
Amounts payable within one year42/48€39k
Trade debts44€5k
Suppliers440/4€5k
Taxes, remuneration and social security45€35k
Taxes450/3€35k
Accrued charges and deferred income492/3€267
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k
Other operating charges640/8€457
Gross operating margin9900€102k
Operating profit (loss)9901€98k
Financial income75/76B€0
Recurring financial income75€0
Financial charges65/66B€540
Recurring financial charges65€540
Profit (loss) for the period before taxes9903€97k
Income taxes67/77€20k
Profit (loss) for the period9904€77k
Profit (loss) for the period to be appropriated9905€77k
Appropriation of the result
Profit (loss) to be appropriated9906€77k
Transfer to equity691/2€75k
To other reserves6921€75k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
NBB filing
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Hoogstraten · 1 establishment unit since 2025
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.
Spekenstraat 52321 HoogstratenGround area
2,336 m²
Building footprint
148 m²
Volume, LiDAR
762 m³
Parcel 13020E0173/00F000, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CLIMAN EXPERTISES
since 20252.368.292.414
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13020E0173/00F000 | Flanders | 2,336 m² | 1 · 148 m² | 8.0 m · 2 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.
Similar companies · same sector, comparable size
EXPERTISEBUREAU de KORT
BE 0449.940.834
Zoersel · Eq €79k
TECHNISERVE
BE 0694.678.861
Lievegem · Eq €79k
mWILMART
BE 0820.604.261
Villers-la-Ville · Eq €80k
NJORD SURVEYS
BE 1021.908.757
Stabroek · Eq €78k
E.P.E. & PARTNERS
BE 0879.152.669
Hasselt · Eq €81k
Of 853 companies in sector 66210 we hold annual accounts for 511. 435 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-12-2024
Fiscal year end31-12
Activities, NACEBEL
66210Risk and damage evaluation
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.