CLM ASSURANCES
CLM ASSURANCES 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 €807k and a net result of €23k. Equity is growing by ~20.5% per year across the filed fiscal years. Its solvency ranks better than 45% of 1206 sector peers (fiscal year 2025). The company has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €807k |
| Net result | €23k |
| Staff (FTE) | 2.4 |
| Better than sector | 45% |
Fragile profile, watch health in particular.
This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 41.2% | 47.4% | |
| Net result | €23k | €43k | |
| Equity | €807k | €84k | |
| Gross operating margin | €264k | €70k | |
| Staff costs | €111k | €8k |
| Fiscal year | 2025 |
|---|---|
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €23k |
| Cash flow | n/a |
| Staff costs | €111k |
| Income taxes | €40k |
| Dividends | - |
| Total assets | €1.96M |
| Equity | €807k |
| Debt | €1.11M |
| of which ≤ 1y | €722k |
| of which > 1y | €390k |
| Working capital | n/a |
| Employees (FTE) | 2.4 |
| 2025 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 41.2% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | 1.2% |
| ROE | 2.9% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €1.96M |
| Fixed assets | 21/28 | €1.90M |
| Intangible fixed assets | 21 | €642k |
| Tangible fixed assets | 22/27 | €46k |
| Financial fixed assets | 28 | €1.21M |
| Current assets | 29/58 | €63k |
| Amounts receivable within one year | 40/41 | €31k |
| Cash & bank | 54/58 | €26k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €1.96M |
| Equity | 10/15 | €807k |
| Contributions / capital | 10/11 | €19k |
| Reserves | 13 | €788k |
| Accumulated profits (losses) | 14 | €569 |
| Provisions & deferred taxes | 16 | €39k |
| Amounts payable | 17/49 | €1.11M |
| Amounts payable after one year | 17 | €390k |
| Amounts payable within one year | 42/48 | €722k |
| Trade debts payable within one year | 44 | €26k |
| Income statement | ||
| Gross operating margin | 9900 | €264k |
| Operating result | 9901 | €67k |
| Financial income | 75 | €6 |
| Financial charges | 65 | €4k |
| Result before taxes | 9903 | €63k |
| Income taxes | 67/77 | €40k |
| Net result for the period | 9904 | €23k |
| Result to be appropriated | 9905 | €23k |
| NACE primary | Financial services(64210) |
| Legal form | Private limited company(610) |
| Incorporation | 31-10-1991 |
| Status | Active |
| Postal code | 7950 |
Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51014D0047/00R000 | Wallonia | 557 m² | 1 · 170 m² | 17.0 m · 4 fl. |
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
20-03-2025 Harry Gilbert appointed as director
- Harry Gilbert, Bestuurder
Technical details
{
"events": [
{
"kind": "director_in",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Harry Gilbert",
"address": "rue du point du jour, 8 \u00E0 7870 LENS",
"birth_date": null,
"profession": null,
"birth_place": null
},
"reason": null,
"subkind": "regular",
"via_org": null,
"statutory": null,
"compensated": null,
"effective_date": "2025-01-01",
"evidence_quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale extraordinaire du 21 f\u00E9vrier 2025 nomme comme administrateur Monsieur Harry Gilbert domicili\u00E9 \u00E0 la rue du point du jour, 8 \u00E0 7870 LENS.",
"decharge_status": null,
"mandate_duration": {
"kind": "indefinite",
"value": null
},
"rep_rotation_new_rep": null,
"rep_rotation_old_rep": null,
"effective_date_qualifier": "future"
}
],
"notary": {
"name": null,
"firm_city": null,
"firm_name": null,
"office_city": null,
"is_associated": false
},
"act_meta": {
"language": "mixed",
"pub_date": "2025-03-20",
"filing_date": "2025-02-21",
"act_kind_objet": "Objet de l\u0027acte:"
},
"decisions": [
{
"body": "buitengewone_algemene_vergadering",
"date": "2025-02-21",
"unanimous": null
}
],
"is_correction": false,
"subject_company": {
"kbo": "0445.640.863",
"name_full": "CLM ASSURANCES",
"legal_form": "SRL"
},
"publication_proxy": {
"kind": "person",
"org_kbo": null,
"org_name": null,
"person_name": "Lannoije Vincent",
"org_rep_person_name": null,
"person_role_at_subject": "Administrateur"
},
"co_filed_documents": [],
"corrected_publication_numac": null
}Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
| Legal nameFR | CLM ASSURANCES |