Clod Services
ActiveClod Services has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €172k and a net result of €36k. Equity is growing by ~10.8% per year across the filed fiscal years. Its solvency ranks better than 55% of 17022 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▲+77
Solvency90▲+14
Growth52=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 2.72 against 2.03 in 2024; short-term debt: 34.1% and cash: 35.2% of total assets), and 35.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
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
64.9%
Return on assets
13.6%
Age of the figures
9 mo
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 · 5 filingsDeviation from the deadline
2025
31 d late
2024
18 d late
2023
9 d early
2022
6 d early
2021
2 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€172k▲ 26.4%
2024 · €136k
2021: €85k
2022: €163k
2023: €156k
2024: €136k
2021 → 2025
Total assets
€265k▼ 0.5%
2024 · €266k
2021: €169k
2022: €338k
2023: €285k
2024: €266k
2021 → 2025
Net result
€36k
2024 · €-20k
2021: €83k
2022: €78k
2023: €-7k
2024: €-20k
2021 → 2025
Working capital
€155k▲ 29.5%
2024 · €120k
2021: €130k
2022: €148k
2023: €143k
2024: €120k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€85k-€163k▲ 92.0%€156k▼ 4.3%€136k▼ 13.0%€172k▲ 26.4%
Operating result€104k-€98k▼ 5.8%€-6k€-20k▼ 204%€39k
Net result€83k-€78k▼ 5.8%€-7k€-20k▼ 189%€36k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €39k after a loss of €20k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €265k
Fixed assets
€19k▼ 35.6%
Current assets
€246k▲ 3.9%
Equity and liabilities €265k
Equity
€172k▲ 26.4%
Debt
€93k▼ 28.5%
The debt ratio falls from 48.9% to 35.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€52k▲
2024 · €-7k
Cash flow
€49k▲
2024 · €-8k
Solvency
64.9%▲
2024 · 51.1%
Current ratio
2.72▲
2024 · 2.03
Quick ratio
2.72▲
2024 · 2.03
Debt / equity
0.54▼
2024 · 0.96
ROE
20.9%▲
2024 · -14.9%
ROA
13.6%▲
2024 · -7.6%
Interest coverage
108.10▲
2024 · -10.29
Debt
€93k▼
2024 · €130k
Debt ≤ 1 year
€90k▼
2024 · €116k
Debt > 1 year
€3k▼
2024 · €14k
Income taxes
€3k
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€266k€265k▼
Fixed assets21/28€29k€19k▼
Tangible fixed assets22/27€29k€19k▼
Plant, machinery and equipment23-€2k
Furniture and vehicles24€29k€17k▼
Current assets29/58€236k€246k▲
Amounts receivable within one year40/41€173k€152k▼
Trade receivables40€33k€28k▼
Other amounts receivable41€140k€125k▼
Cash at bank and in hand54/58€63k€93k▲
Deferred charges and accrued income490/1€131€131▲
Equity and liabilities
Total equity and liabilities10/49€266k€265k▼
Equity10/15€136k€172k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€134k€170k▲
Amounts payable17/49€130k€93k▼
Amounts payable after more than one year17€14k€3k▼
Financial debts170/4€14k€3k▼
Amounts payable within one year42/48€116k€90k▼
Current portion of amounts payable after more than one year42€11k€11k▲
Trade debts44€103k€74k▼
Suppliers440/4€103k€74k▼
Taxes, remuneration and social security45-€2k
Taxes450/3-€2k
Other amounts payable47/48€3k€3k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k▲
Other operating charges640/8€193€195▲
Gross operating margin9900€-7k€52k▲
Operating profit (loss)9901€-20k€39k▲
Financial charges65/66B€681€484▼
Recurring financial charges65€681€484▼
Profit (loss) for the period before taxes9903€-20k€39k▲
Income taxes67/77-€3k
Profit (loss) for the period9904€-20k€36k▲
Profit (loss) for the period to be appropriated9905€-20k€36k▲
Appropriation of the result
Profit (loss) to be appropriated9906€134k€170k▲
Profit (loss) brought forward from the previous period14P€154k€134k▼
The notes to these accounts (6 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
Back to profitnet €36k
Net result €36k after 2 loss-making years.
31-12
Financial
Equity above €150kEq €172k ▲26.4%
Equity rises from €136k to €172k.
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
2024
31-12
Financial
Weakest financial yearnet €-20k
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €163k ▲92%
2 profitable years in a row build equity to €163k.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Rumst · 1 establishment unit since 2021
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.
David Tenierslaan 112840 RumstGround area
788 m²
Building footprint
183 m²
Volume, LiDAR
1,411 m³
Parcel 11036D0132/00D002, Flanders · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Clod Services
since 20212.317.814.109
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11036D0132/00D002 | Flanders | 788 m² | 1 · 183 m² | 11.2 m · 3 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
TEXTSPACE
BE 0649.926.724
Sint-Gillis (bij-Brussel) · Eq €172k
KOMON
BE 0785.716.232
Brussel · Eq €172k
MEDIATEC
BE 0897.799.435
Sint-Genesius-Rode · Eq €172k
VMAC
BE 0890.371.512
Geel · Eq €172k
Egeo
BE 0537.191.443
Antwerpen · Eq €172k
Of 30,000 companies in sector 62200 we hold annual accounts for 18,394. 15,185 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-05-2021
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
62010Computer programming, consultancy and related activities
62100Computer programming
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.