CLMA Services
ActiveThe computed 12-month bankruptcy probability of CLMA Services is 3.5% (moderate). The 2025 annual accounts show equity of €21k and a net result of €6k. Equity is growing by ~21.6% per year across the filed fiscal years. Its solvency ranks better than 17% of 4472 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
41
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability59▲+19
Solvency32▲+1
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
3.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity tight (current ratio 1.02 against 1.01 in 2024; short-term debt: 60.3% and cash: 6.5% of total assets), and 92.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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 81
Relative position
BE, all sectors
reference
Sector 81
higher
← 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
7.5%
Return on assets
2.1%
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 17% of 4472 sector peers (2025).
NBB · sector comparisonPosition among 4472 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 3 filingsDeviation from the deadline
2025
31 d late
2024
18 d late
2023
1 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€21k▲ 40.3%
2024 · €15k
2023: €15k
2024: €15k
2023 → 2025
Total assets
€281k▲ 10.7%
2024 · €254k
2023: €33k
2024: €254k
2023 → 2025
Net result
€6k▲ 1,321%
2024 · €424
2023: €5k
2024: €424
2023 → 2025
Working capital
€3k▲ 57.3%
2024 · €2k
2023: €12k
2024: €2k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€15k-€15k▲ 2.9%€21k▲ 40.3%
Operating result€7k-€6k▼ 16.1%€20k▲ 226%
Net result€5k-€424▼ 90.7%€6k▲ 1,321%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 226% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €281k
Fixed assets
€108k▲ 7.5%
Current assets
€173k▲ 12.8%
Equity and liabilities €281k
Equity
€21k▲ 40.3%
Debt
€260k▲ 8.9%
The debt ratio falls from 94.1% to 92.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€41k▲
2024 · €9k
Cash flow
€27k▲
2024 · €4k
Solvency
7.5%▲
2024 · 5.9%
Current ratio
1.02▲
2024 · 1.01
Quick ratio
1.02▲
2024 · 1.01
Debt / equity
12.40▼
2024 · 15.98
ROE
28.7%▲
2024 · 2.8%
ROA
2.1%▲
2024 · 0.2%
Interest coverage
4.54▲
2024 · 2.49
Debt
€260k▲
2024 · €239k
Debt ≤ 1 year
€170k▲
2024 · €151k
Debt > 1 year
€91k▲
2024 · €88k
Income taxes
€7k▲
2024 · €2k
Staff costs
€150k▲
2024 · €63k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€254k€281k▲
Fixed assets21/28€101k€108k▲
Intangible fixed assets21€88k€79k▼
Tangible fixed assets22/27€11k€27k▲
Furniture and vehicles24€8k€25k▲
Other tangible fixed assets26€3k€2k▼
Financial fixed assets28€2k€2k=
Current assets29/58€153k€173k▲
Amounts receivable within one year40/41€132k€153k▲
Trade receivables40€132k€86k▼
Other amounts receivable41-€67k
Cash at bank and in hand54/58€21k€18k▼
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€254k€281k▲
Equity10/15€15k€21k▲
Contributions10/11€10k€10k=
Reserves13€5k€11k▲
Distributable reserves133€5k€11k▲
Profit (loss) carried forward14€424€424=
Amounts payable17/49€239k€260k▲
Amounts payable after more than one year17€88k€91k▲
Financial debts170/4€88k€91k▲
Amounts payable within one year42/48€151k€170k▲
Current portion of amounts payable after more than one year42€18k€42k▲
Trade debts44€83k€76k▼
Suppliers440/4€83k€76k▼
Taxes, remuneration and social security45€26k€51k▲
Taxes450/3€14k€34k▲
Remuneration and social security454/9€11k€18k▲
Other amounts payable47/48€25k-
Income statement
Code20242025
Remuneration, social security and pensions62€63k€150k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€21k▲
Other operating charges640/8€1k€748▼
Gross operating margin9900€73k€192k▲
Operating profit (loss)9901€6k€20k▲
Financial income75/76B€1€2k▲
Recurring financial income75€1€2k▲
Financial charges65/66B€4k€9k▲
Recurring financial charges65€4k€9k▲
Profit (loss) for the period before taxes9903€2k€13k▲
Income taxes67/77€2k€7k▲
Profit (loss) for the period9904€424€6k▲
Profit (loss) for the period to be appropriated9905€424€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€424€6k▲
Profit (loss) brought forward from the previous period14P-€424
Transfer to equity691/2-€6k
To other reserves6921-€6k
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2023net €6k ▲1321%
Operating result €20k, net result €6k, both a record.
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
2024
31-12
Financial
Weakest financial yearnet €424 ▼90.7%
Net result drops to €424, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Waterloo · 2 establishment units since 2023
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.
Avenue des Heures Claires 291410 WaterlooGround area
5,443 m²
Building footprint
155 m²
Volume, LiDAR
781 m³
2 parcels, Wallonia · tallest building 9.7 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
CLMA Services
since 20232.342.805.762
CLMA Services
since 20242.365.894.435
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25087C0423/00H000 | Wallonia | 5,384 m² | 1 · 94 m² | 9.7 m · 3 fl. |
| 25110D0939/00_000 | Wallonia | 59 m² | 1 · 60 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
ANJOBETH
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C. TON TOIT
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LUMINACLEAN
BE 1011.571.923
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AGEMA SERVICES LILLOIS
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Of 7,356 companies in sector 81210 we hold annual accounts for 2,734. 2,117 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-03-2023
Fiscal year end31-12
Activities, NACEBEL
81100Combined facilities support activities
81210General cleaning of buildings
68310Real estate agency activities
68311Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.