Summary
CLM IMMO 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 €984,938 and a net result of -€12,302. Equity is growing by ~17.8% per year across the filed fiscal years. Its solvency ranks better than 77% of 1505 sector peers (fiscal year 2025). The company has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-08-2026, 6 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 filingsDeviation from the deadline
2025
6 d late
2024
25 d late
2023
40 d early
2022
31 d late
2021
19 d late
2020
31 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 24 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% 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 19 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#9 oldest company in Chièvres
Equity
€984,938▼ 1.2%
2024 · €997,239
Net result
-€12,302
2024 · €9,238
Total assets
€1.4m▼ 1.7%
2024 · €1.4m
Solvency
71.0%▲ 0.3pp
2024 · 70.7%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance 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
Line20212022202320242025
Operating result€3,678▼ 50.2%-€17,157€278,603€952▼ 99.7%-€10,493
Net result€2,086below the sector's middle half▼ 65.9%€363,298above the sector's middle half▲ 17,319%€209,227above the sector's middle half▼ 42.4%€9,238within the sector's middle half▼ 95.6%-€12,302below the sector's middle half
Equity€415,476within the sector's middle half▲ 6.8%€778,774within the sector's middle half▲ 87.4%€988,001above the sector's middle half▲ 26.9%€997,239above the sector's middle half▲ 0.9%€984,938above the sector's middle half▼ 1.2%
Total assets€472,435within the sector's middle half▼ 6.7%€965,548within the sector's middle half▲ 104%€1.4mabove the sector's middle half▲ 46.5%€1.4mabove the sector's middle half▼ 0.2%€1.4mwithin the sector's middle half▼ 1.7%
Debt€4,546▼ 87.1%€141,454▲ 3,012%€311,911▲ 121%€300,316▼ 3.7%€291,403▼ 3.0%
Working capital€31,209within the sector's middle half▲ 158%€564,060above the sector's middle half▲ 1,707%€961,706above the sector's middle half▲ 70.5%€963,917above the sector's middle half▲ 0.2%€804,588above the sector's middle half▼ 16.5%
Solvency87.9%above the sector's middle half▲ 11.1pp80.7%above the sector's middle half▼ 7.3pp69.8%within the sector's middle half▼ 10.8pp70.7%within the sector's middle half▲ 0.8pp71.0%above the sector's middle half▲ 0.3pp
Current ratio9.02above the sector's middle half▲ 7.6733.20above the sector's middle half▲ 24.185.88above the sector's middle half▼ 27.325.97above the sector's middle half▲ 0.095.16above the sector's middle half▼ 0.81
Return on assets (ROA)0.4%below the sector's middle half▼ 0.8pp37.6%above the sector's middle half▲ 37.2pp14.8%within the sector's middle half▼ 22.8pp0.7%below the sector's middle half▼ 14.1pp-0.9%below the sector's middle half▼ 1.5pp
Staff (FTE)0below the sector's middle half
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €10,493 after €952 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.4m
Fixed assets
€389,398 ▲ 53.7%
Current assets
€997,948 ▼ 13.8%
Equity and liabilities €1.4m
Equity
€984,938 ▼ 1.2%
Provisions
€111,006 ▼ 2.4%
Debt
€291,403 ▼ 3.0%
Debt's share of the balance-sheet total falls from 21.3% to 21.0%. Equity and debt are lower.
Key figures and ratios
ROE
-1.2%▼
2024 · 0.9%
Debt ≤ 1 year
€193,360▼
2024 · €193,998
Debt > 1 year
€96,096▼
2024 · €104,752
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €22,455 | €53,604 | €13,978 | €20,206 | €26,171 | ▲ 29.5% |
| Other operating charges640/8 | €4,365 | €5,040 | €6,188 | €5,351 | €5,519 | ▲ 3.1% |
| Gross operating margin9900 | €30,498 | €41,487 | €298,769 | €26,508 | €21,197 | ▼ 20.0% |
| Operating profit (loss)9901 | €3,678 | -€17,157 | €278,603 | €952 | -€10,493 | ▼ 1,203% |
| Financial income75/76B | €476 | €378,533 | €3,530 | €16,778 | €1,918 | ▼ 88.6% |
| Recurring financial income75 | €476 | €714 | €3,530 | €16,778 | €1,918 | ▼ 88.6% |
| Non-recurring financial income76B | - | €377,819 | - | - | - | - |
| Financial charges65/66B | €87 | €1,444 | €1,479 | €3,896 | €6,435 | ▲ 65.2% |
| Recurring financial charges65 | €87 | €1,444 | €1,479 | €3,896 | €6,435 | ▲ 65.2% |
| Profit (loss) for the period before taxes9903 | €4,067 | €359,932 | €280,655 | €13,834 | -€15,010 | ▼ 209% |
| Transfer from deferred taxes780 | €5,442 | €7,093 | €1,127 | €1,127 | €2,709 | ▲ 140% |
| Transfer to deferred taxes680 | - | - | €70,650 | - | - | - |
| Income taxes67/77 | €7,424 | €3,727 | €1,905 | €5,723 | - | - |
| Profit (loss) for the period9904 | €2,086 | €363,298 | €209,227 | €9,238 | -€12,302 | ▼ 233% |
| Transfer from tax-exempt reserves789 | €16,327 | €21,278 | €3,382 | €3,382 | €8,126 | ▲ 140% |
| Transfer to tax-exempt reserves689 | - | - | €211,073 | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €18,413 | €384,576 | €1,536 | €12,620 | -€4,175 | ▼ 133% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €472,435 | €965,548 | €1.4m | €1.4m | €1.4m | ▼ 1.7% |
| Fixed assets21/28 | €437,334 | €383,970 | €256,015 | €253,354 | €389,398 | ▲ 53.7% |
| Tangible fixed assets22/27 | €252,653 | €383,970 | €256,015 | €253,354 | €389,398 | ▲ 53.7% |
| Land and buildings22 | €252,653 | €383,970 | €256,015 | €253,354 | €389,398 | ▲ 53.7% |
| Financial fixed assets28 | €184,681 | €0 | - | - | - | - |
| Current assets29/58 | €35,101 | €581,578 | €1.2m | €1.2m | €997,948 | ▼ 13.8% |
| Amounts receivable within one year40/41 | €16,513 | €562,526 | €579,811 | €598,311 | €765,045 | ▲ 27.9% |
| Trade receivables40 | €7,500 | €0 | - | - | €536 | - |
| Other amounts receivable41 | €9,013 | €562,526 | €579,811 | €598,311 | €764,508 | ▲ 27.8% |
| Current investments50/53 | €6,987 | €6,987 | €506,987 | €6,987 | €6,987 | = |
| Cash at bank and in hand54/58 | €8,879 | €9,196 | €67,015 | €549,658 | €221,453 | ▼ 59.7% |
| Deferred charges and accrued income490/1 | €2,722 | €2,868 | €4,927 | €2,959 | €4,463 | ▲ 50.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €472,435 | €965,548 | €1.4m | €1.4m | €1.4m | ▼ 1.7% |
| Equity10/15 | €415,476 | €778,774 | €988,001 | €997,239 | €984,938 | ▼ 1.2% |
| Contributions10/11 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Capital10 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Issued capital100 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Reserves13 | €163,438 | €142,160 | €924,851 | €931,469 | €918,343 | ▼ 1.4% |
| Non-distributable reserves130/1 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Legal reserve130 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Tax-exempt reserves132 | €157,238 | €135,960 | €343,651 | €340,269 | €332,143 | ▼ 2.4% |
| Distributable reserves133 | - | - | €575,000 | €585,000 | €580,000 | ▼ 0.9% |
| Profit (loss) carried forward14 | €190,038 | €574,614 | €1,150 | €3,770 | €4,595 | ▲ 21.9% |
| Provisions and deferred taxes16 | €52,413 | €45,320 | €114,842 | €113,715 | €111,006 | ▼ 2.4% |
| Deferred taxes168 | €52,413 | €45,320 | €114,842 | €113,715 | €111,006 | ▼ 2.4% |
| Amounts payable17/49 | €4,546 | €141,454 | €311,911 | €300,316 | €291,403 | ▼ 3.0% |
| Amounts payable after more than one year17 | - | €121,782 | €113,314 | €104,752 | €96,096 | ▼ 8.3% |
| Financial debts170/4 | - | €121,782 | €113,314 | €104,752 | €96,096 | ▼ 8.3% |
| Amounts payable within one year42/48 | €3,892 | €17,518 | €197,034 | €193,998 | €193,360 | ▼ 0.3% |
| Current portion of amounts payable after more than one year42 | - | €8,375 | €8,468 | €8,562 | €8,656 | ▲ 1.1% |
| Trade debts44 | €3,372 | €4,389 | €2,872 | €3,543 | €3,538 | ▼ 0.1% |
| Suppliers440/4 | €3,372 | €4,389 | €2,872 | €3,543 | €3,538 | ▼ 0.1% |
| Taxes, remuneration and social security45 | €424 | €227 | €2,132 | €728 | - | - |
| Taxes450/3 | €424 | €227 | €2,132 | €728 | - | - |
| Other amounts payable47/48 | €96 | €4,527 | €183,561 | €181,166 | €181,166 | = |
| Accrued charges and deferred income492/3 | €654 | €2,154 | €1,564 | €1,566 | €1,947 | ▲ 24.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2,086 | €363,298 | €209,227 | €9,238 | -€12,302 | ▼ 233% |
| + Depreciation and write-downs630 | €22,455 | €53,604 | €13,978 | €20,206 | €26,171 | ▲ 29.5% |
| Operating cash flow (approximation) | €24,541 | €416,902 | €223,205 | €29,443 | €13,870 | ▼ 52.9% |
| Investment in fixed assets (approximation) | - | -€240 | €113,977 | -€17,545 | -€162,215 | ▼ 825% |
| Change in cash | - | €318 | €57,818 | €482,643 | -€328,205 | ▼ 168% |
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
06-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 6 days late
2025
31-12
Financial
Weakest financial yearnet -€12,302
Net result drops to -€12,302, the lowest in the series.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
31-12
Financial
Highest result since 2018net €363,298 ▲17,319%
Net result €363,298, the highest in the series.
31-12
Financial
Liquidity quadruplescurrent ratio 33.20
Current ratio from 9.02 to 33.20.
31-12
Financial
Equity above €500,000Eq €778,774 ▲87.4%
5 profitable years in a row build equity to €778,774.
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 19 days late
2021
31-12
Financial
Liquidity times 7current ratio 9.02
Current ratio from 1.35 to 9.02; short-term debt falls from €34,629 to €3,892.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
04-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 96 days late
Show earlier events
2019
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 20 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Chièvres · 1 establishment unit since 2002
Ground area
557 m²
Building footprint
170 m²
Volume, LiDAR
1,993 m³
Parcel 51014D0047/00R000, Wallonia · tallest building 17.0 m, ±4 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Grand'Place 7, 7950 Chièvres
since 20022.030.955.712
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51014D0047/00R000 | Wallonia | 557 m² | 1 · 170 m² | 17.0 m · 4 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.
Structure & network
Owners and holdings
2 owners · 1 holdingChain of control
- CLM ASSURANCES
- CLM IMMO
Highest known parent: CLM ASSURANCES. The sources do not say who stands above it.
Owners 2
- CLM ASSURANCESparent100%
- CLM ASSURANCESparent100%
Holdings 1
-
50%
According to the 2021 annual accounts of CLM IMMO and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 4,674 companies in sector 66220 we hold annual accounts for 3,222. 2,185 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded19-05-1987
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
Contact
Phone
065/38.39.89Chièvres
Fax
065/34.98.57Chièvres
E-invoicing
Reachable via Peppol
Peppol ID
0208:0431242796
Also
9925:BE0431242796
Registered
11-02-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.