Cliver Technics
ActiveSummary
The computed 12-month bankruptcy probability of Cliver Technics is 2.0% (moderate). The 2025 annual accounts show equity of €186,181 and a net result of €79,101. Equity is growing by ~87% per year across the filed fiscal years. Its solvency ranks better than 10% of 7940 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability51=
Solvency31▲+3
Growth52=
Track record94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8,000 at 30 days acceptable
Liquidity tight (current ratio 1.01 against 0.64 in 2024; short-term debt: 37% and cash: 10.1% of total assets), and 93.7% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
6.3%
Return on assets
2.7%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 7940 sector peers (2025).
NBB · sector comparisonPosition among 7940 sector peers
Solvency
better than 10%
← weakest
strongest →
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 27-07-2026, 4 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
4 d early
2024
2 d early
2023
16 d early
2022
40 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 16 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% 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. Usually files around 22 July (3 of the last 4 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Is the workforce growing, and do people stay?Employer check Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check
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Financials · fiscal year 2025, abbreviated schema
Equity
€186,181▲ 151%
2024 · €74,154
Total assets
€2.9m▲ 4.6%
2024 · €2.8m
Net result
€79,101▲ 134%
2024 · €33,826
Working capital
€15,233
2024 · -€507,669
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, 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€174,449-€126,354▼ 27.6%€173,398▲ 37.2%€215,840▲ 24.5%
Net result€147,073above the sector's middle half-€83,255within the sector's middle half▼ 43.4%€33,826within the sector's middle half▼ 59.4%€79,101within the sector's middle half▲ 134%
Equity€27,073below the sector's middle half-€40,328below the sector's middle half▲ 49.0%€74,154below the sector's middle half▲ 83.9%€186,181within the sector's middle half▲ 151%
Total assets€1.4mwithin the sector's middle half-€1.6mwithin the sector's middle half▲ 15.8%€2.8mabove the sector's middle half▲ 78.4%€2.9mabove the sector's middle half▲ 4.6%
Debt€1.3m-€1.5m▲ 15.1%€2.7m▲ 78.2%€2.8m▲ 0.6%
Working capital-€426,554below the sector's middle half--€449,357below the sector's middle half▼ 5.3%-€507,669below the sector's middle half▼ 13.0%€15,233below the sector's middle half
Solvency2.0%below the sector's middle half-2.6%below the sector's middle half▲ 0.6pp2.6%below the sector's middle half▲ 0.1pp6.3%below the sector's middle half▲ 3.7pp
Current ratio0.53below the sector's middle half-0.61below the sector's middle half▲ 0.080.64below the sector's middle half▲ 0.021.01below the sector's middle half▲ 0.38
Return on assets (ROA)10.8%within the sector's middle half-5.3%within the sector's middle half▼ 5.5pp1.2%within the sector's middle half▼ 4.1pp2.7%within the sector's middle half▲ 1.5pp
Staff (FTE)3.7within the sector's middle half-6.3within the sector's middle half▲ 70.3%9.9above the sector's middle half▲ 57.1%12.8above the sector's middle half▲ 29.3%
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 24% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.9m
Fixed assets
€1.8m ▼ 4.5%
Current assets
€1.1m ▲ 24.4%
Equity and liabilities €2.9m
Equity
€186,181 ▲ 151%
Debt
€2.8m ▲ 0.6%
Debt's share of the balance-sheet total falls from 97.4% to 93.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€434,128▼
2024 · €510,283
Cash flow
€297,389▼
2024 · €370,711
Quick ratio
0.66▲
2024 · 0.44
Debt to equity
14.77▼
2024 · 36.86
ROE
42.5%▼
2024 · 45.6%
Interest coverage
3.48▼
2024 · 3.67
Debt ≤ 1 year
€1.1m▼
2024 · €1.4m
Debt > 1 year
€1.7m▲
2024 · €1.3m
Income taxes
€28,447▲
2024 · €7,456
Staff costs
€868,764▲
2024 · €632,649
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,514 companies that looked in July 2024 the way this one looks now, 2.4% went bankrupt within 24 months and 96% are still going.
- Small
- 2 to 5 years old
- solvency under 10%
- a profit under 5% of the balance sheet
2.4%
went bankrupt
1.5%
stopped otherwise
96%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 2.0% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
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 1,514 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 |
|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €20,685 | - |
| Remuneration, social security and pensions62 | €210,132 | €373,413 | €632,649 | €868,764 | ▲ 37.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €106,969 | €144,655 | €336,885 | €218,288 | ▼ 35.2% |
| Other operating charges640/8 | €1,287 | €2,264 | €11,610 | €13,181 | ▲ 13.5% |
| Non-recurring operating charges66A | - | €1,930 | €175 | €0 | ▼ 100% |
| Gross operating margin9900 | €492,836 | €648,616 | €1.2m | €1.3m | ▲ 14.0% |
| Operating profit (loss)9901 | €174,449 | €126,354 | €173,398 | €215,840 | ▲ 24.5% |
| Financial income75/76B | €8,348 | €12,873 | €6,967 | €16,339 | ▲ 135% |
| Recurring financial income75 | €8,348 | €12,873 | €6,967 | €16,339 | ▲ 135% |
| Financial charges65/66B | €32,729 | €53,535 | €139,083 | €124,631 | ▼ 10.4% |
| Recurring financial charges65 | €32,729 | €53,535 | €139,083 | €124,631 | ▼ 10.4% |
| Profit (loss) for the period before taxes9903 | €150,067 | €85,692 | €41,282 | €107,549 | ▲ 161% |
| Income taxes67/77 | €2,994 | €2,437 | €7,456 | €28,447 | ▲ 282% |
| Profit (loss) for the period9904 | €147,073 | €83,255 | €33,826 | €79,101 | ▲ 134% |
| Profit (loss) for the period to be appropriated9905 | €147,073 | €83,255 | €33,826 | €79,101 | ▲ 134% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €1.4m | €1.6m | €2.8m | €2.9m | ▲ 4.6% |
| Formation expenses20 | €56 | €0 | - | - | - |
| Fixed assets21/28 | €871,486 | €866,072 | €1.9m | €1.8m | ▼ 4.5% |
| Intangible fixed assets21 | €750,063 | €668,002 | €603,925 | €519,914 | ▼ 13.9% |
| Tangible fixed assets22/27 | €121,300 | €197,947 | €1.3m | €1.3m | ▼ 0.2% |
| Land and buildings22 | - | €347 | €1.1m | €1.2m | ▲ 1.7% |
| Plant, machinery and equipment23 | €20,537 | €24,203 | €22,548 | €18,642 | ▼ 17.3% |
| Furniture and vehicles24 | €100,763 | €173,398 | €164,364 | €146,796 | ▼ 10.7% |
| Financial fixed assets28 | €123 | €123 | €123 | €123 | = |
| Current assets29/58 | €487,588 | €707,534 | €885,155 | €1.1m | ▲ 24.4% |
| Stocks and contracts in progress3 | €172,836 | €162,296 | €273,435 | €385,500 | ▲ 41.0% |
| Stocks30/36 | €122,836 | €109,796 | €198,435 | €315,500 | ▲ 59.0% |
| Contracts in progress37 | €50,000 | €52,500 | €75,000 | €70,000 | ▼ 6.7% |
| Amounts receivable within one year40/41 | €166,999 | €369,995 | €393,818 | €405,467 | ▲ 3.0% |
| Trade receivables40 | €105,688 | €322,561 | €327,121 | €320,775 | ▼ 1.9% |
| Other amounts receivable41 | €61,311 | €47,434 | €66,697 | €84,692 | ▲ 27.0% |
| Cash at bank and in hand54/58 | €143,710 | €167,510 | €207,414 | €295,545 | ▲ 42.5% |
| Deferred charges and accrued income490/1 | €4,043 | €7,734 | €10,488 | €14,320 | ▲ 36.5% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €1.4m | €1.6m | €2.8m | €2.9m | ▲ 4.6% |
| Equity10/15 | €27,073 | €40,328 | €74,154 | €186,181 | ▲ 151% |
| Contributions10/11 | €10,000 | €10,000 | €10,000 | €10,000 | = |
| Revaluation surpluses12 | - | - | - | €32,926 | - |
| Reserves13 | €17,073 | €30,328 | €64,154 | €143,256 | ▲ 123% |
| Distributable reserves133 | €17,073 | €30,328 | €64,154 | €143,256 | ▲ 123% |
| Profit (loss) carried forward14 | €0 | €0 | €0 | - | - |
| Amounts payable17/49 | €1.3m | €1.5m | €2.7m | €2.8m | ▲ 0.6% |
| Amounts payable after more than one year17 | €417,915 | €376,387 | €1.3m | €1.7m | ▲ 24.3% |
| Financial debts170/4 | €417,915 | €376,387 | €1.3m | €1.2m | ▼ 13.1% |
| Other amounts payable178/9 | - | - | - | €500,000 | - |
| Amounts payable within one year42/48 | €914,142 | €1.2m | €1.4m | €1.1m | ▼ 22.1% |
| Current portion of amounts payable after more than one year42 | €99,641 | €116,061 | €210,896 | €213,717 | ▲ 1.3% |
| Financial debts43 | - | €100,000 | €50,000 | €0 | ▼ 100% |
| Credit institutions430/8 | - | €100,000 | €50,000 | €0 | ▼ 100% |
| Trade debts44 | €106,033 | €103,004 | €227,476 | €382,968 | ▲ 68.4% |
| Suppliers440/4 | €106,033 | €103,004 | €227,476 | €382,968 | ▲ 68.4% |
| Taxes, remuneration and social security45 | €33,725 | €58,236 | €76,408 | €139,498 | ▲ 82.6% |
| Taxes450/3 | €2,994 | €2,719 | €13,009 | €26,496 | ▲ 104% |
| Remuneration and social security454/9 | €30,731 | €55,517 | €63,399 | €113,002 | ▲ 78.2% |
| Other amounts payable47/48 | €674,743 | €779,590 | €828,044 | €349,416 | ▼ 57.8% |
| Accrued charges and deferred income492/3 | - | - | €659 | €0 | ▼ 100% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €147,073 | €83,255 | €33,826 | €79,101 | ▲ 134% |
| + Depreciation and write-downs630 | €106,969 | €144,655 | €336,885 | €218,288 | ▼ 35.2% |
| Operating cash flow (approximation) | €254,042 | €227,910 | €370,711 | €297,389 | ▼ 19.8% |
| Investment in fixed assets (approximation) | - | -€139,242 | -€1.4m | -€131,756 | ▲ 90.5% |
| Change in cash | - | €23,800 | €39,904 | €88,131 | ▲ 121% |
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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €150,000Eq €186,181 ▲151%
4 profitable years in a row build equity to €186,181.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €33,826 ▼59.4%
Net result drops to €33,826, the lowest in the series; recovery starts the following year.
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Zwevegem · 1 establishment unit since 2022
Ground area
677 m²
Building footprint
165 m²
Volume, LiDAR
858 m³
Parcel 34042A0805/00T000, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Cliver Technics
since 20222.327.648.424
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34042A0805/00T000 | Flanders | 677 m² | 1 · 165 m² | 8.2 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
2022 to 2025 · 4 entries · 4,102 EUR awarded · 4,102 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 719 EUR | 719 EUR |
| 2024 | 1 | 2,007 EUR | 2,007 EUR |
| 2023 | 1 | 420 EUR | 420 EUR |
| 2022 | 1 | 956 EUR | 956 EUR |
Recognitions · licences · registrations
Recognised contractor
4 categoriesCliver Technics BV#9906
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Of 22,827 companies in sector 43211 we hold annual accounts for 10,333. 8,359 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
Founded25-01-2022
Fiscal year end31-12
Activities, NACEBEL 2025
43211General electrical installation work
43212Electrical installation work in industrial facilities
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
43230Insulation installation
E-invoicing
Reachable via Peppol
Peppol ID
0208:0780885731
Also
9925:BE0780885731
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.