CLOU
ActiveSummary
CLOU has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €76,592 and a net result of €92,429. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 81% of 9341 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+56
Solvency99▲+80
Growth52▲+14
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days acceptable
short-term debt: 0% and cash: 0.9% of total assets, and 26% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five 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 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer 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
74%
Return on assets
89.3%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
22 d early
2023
7 d early
2022
133 d late
2021
60 d late
2020
4 d early
2019
6 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 20 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% 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 25 July (4 of the last 5 filed years within 66 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
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 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 How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, abbreviated schema
Turnover
€34,052▼ 1.7%
2020 · €34,639
EBIT margin
22.3%▼ 9.3pp
2020 · 31.5%
Net result
€92,429
2024 · -€3,361
Working capital
€103,398
2024 · -€34,909
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 68, Real estate 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
Turnover€34,052▼ 1.7%
Operating result€7,584▼ 30.6%-€22,027-€3,198▲ 85.5%€2,949€127,770▲ 4,233%
Net result€6,652within the sector's middle half▼ 25.8%-€23,548below the sector's middle half-€8,584within the sector's middle half▲ 63.5%-€3,361within the sector's middle half▲ 60.8%€92,429above the sector's middle half
EBIT margin22.3%▼ 9.3pp
Equity€19,656below the sector's middle half▲ 51.2%-€3,892below the sector's middle half-€12,476below the sector's middle half▼ 221%-€15,837below the sector's middle half▼ 26.9%€76,592within the sector's middle half
Total assets€152,731below the sector's middle half▲ 0.3%€196,860within the sector's middle half▲ 28.9%€253,561within the sector's middle half▲ 28.8%€246,194within the sector's middle half▼ 2.9%€103,487below the sector's middle half▼ 58.0%
Debt€133,075▼ 4.5%€200,752▲ 50.9%€266,037▲ 32.5%€262,031▼ 1.5%€29▼ 100.0%
Working capital€17,841within the sector's middle half▲ 62.9%-€24,083within the sector's middle half-€27,164within the sector's middle half▼ 12.8%-€34,909within the sector's middle half▼ 28.5%€103,398within the sector's middle half
Solvency12.9%within the sector's middle half▲ 4.3pp-2.0%below the sector's middle half▼ 14.8pp-4.9%below the sector's middle half▼ 2.9pp-6.4%below the sector's middle half▼ 1.5pp74.0%above the sector's middle half▲ 80.4pp
Current ratio2.01within the sector's middle half▲ 0.330.09below the sector's middle half▼ 1.920.14below the sector's middle half▲ 0.050.19below the sector's middle half▲ 0.05
Return on assets (ROA)4.4%within the sector's middle half▼ 1.5pp-12.0%below the sector's middle half▼ 16.3pp-3.4%below the sector's middle half▲ 8.6pp-1.4%within the sector's middle half▲ 2.0pp89.3%above the sector's middle half▲ 90.7pp
above
within
below
the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 4,233% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €103,487
Fixed assets
€60 ▼ 100.0%
Current assets
€103,427 ▲ 1,166%
Equity and liabilities €103,487
Equity
€76,592
Provisions
€26,866
Debt
€29
Debt finances 0.0% of the balance-sheet total.
Key figures and ratios
Debt to equity
0.00▲
2024 · -16.55
ROE
120.7%
Debt ≤ 1 year
€29▼
2024 · €43,076
A ratio outside any meaningful range has been withheld (balance sheet total €103,487, equity €76,592).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,696 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.7%
went bankrupt
3.9%
stopped otherwise
95%
still going
For this company itself Checked computes a bankruptcy probability of 0.3% 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 34,696 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €34,052 | - | - | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | €16,497 | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8,170 | €8,273 | €15,797 | €17,715 | - | - |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €1,157 | €0 | - | - | - |
| Other operating charges640/8 | €1,801 | €1,926 | €2,126 | €2,011 | €955 | ▼ 52.5% |
| Non-recurring operating charges66A | - | €238 | €0 | - | - | - |
| Gross operating margin9900 | €17,555 | -€10,433 | €14,724 | €22,675 | €128,724 | ▲ 468% |
| Operating profit (loss)9901 | €7,584 | -€22,027 | -€3,198 | €2,949 | €127,770 | ▲ 4,233% |
| Financial income75/76B | - | - | - | - | €99 | - |
| Recurring financial income75 | - | - | - | - | €99 | - |
| Financial charges65/66B | €932 | €1,521 | €5,385 | €6,310 | €8,574 | ▲ 35.9% |
| Recurring financial charges65 | €932 | €1,521 | €5,385 | €6,310 | €8,574 | ▲ 35.9% |
| Profit (loss) for the period before taxes9903 | €6,652 | -€23,548 | -€8,584 | -€3,361 | €119,295 | ▲ 3,649% |
| Transfer to deferred taxes680 | - | - | - | - | €26,866 | - |
| Profit (loss) for the period9904 | €6,652 | -€23,548 | -€8,584 | -€3,361 | €92,429 | ▲ 2,850% |
| Transfer to tax-exempt reserves689 | - | - | - | - | €80,598 | - |
| Profit (loss) for the period to be appropriated9905 | €6,652 | -€23,548 | -€8,584 | -€3,361 | €11,831 | ▲ 452% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €152,731 | €196,860 | €253,561 | €246,194 | €103,487 | ▼ 58.0% |
| Fixed assets21/28 | €117,219 | €194,473 | €249,181 | €238,028 | €60 | ▼ 100.0% |
| Tangible fixed assets22/27 | €117,159 | €194,413 | €249,121 | €237,968 | - | - |
| Land and buildings22 | €91,802 | €172,028 | €163,103 | €155,133 | - | - |
| Plant, machinery and equipment23 | €25,358 | €22,385 | €86,018 | €82,834 | - | - |
| Financial fixed assets28 | €60 | €60 | €60 | €60 | €60 | = |
| Current assets29/58 | €35,511 | €2,387 | €4,380 | €8,167 | €103,427 | ▲ 1,166% |
| Stocks and contracts in progress3 | €1,157 | - | - | - | - | - |
| Stocks30/36 | €1,157 | - | - | - | - | - |
| Amounts receivable within one year40/41 | €16,774 | €1,456 | €1,231 | €6,747 | €102,450 | ▲ 1,418% |
| Trade receivables40 | €5,130 | €1,381 | €513 | €6,747 | €717 | ▼ 89.4% |
| Other amounts receivable41 | €11,644 | €74 | €718 | - | €101,732 | - |
| Cash at bank and in hand54/58 | €17,291 | €931 | €3,149 | €1,419 | €978 | ▼ 31.1% |
| Deferred charges and accrued income490/1 | €289 | - | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €152,731 | €196,860 | €253,561 | €246,194 | €103,487 | ▼ 58.0% |
| Equity10/15 | €19,656 | -€3,892 | -€12,476 | -€15,837 | €76,592 | ▲ 584% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1,056 | €1,056 | €1,056 | €1,056 | €81,654 | ▲ 7,633% |
| Non-distributable reserves130/1 | €1,056 | €1,056 | €1,056 | - | - | - |
| Reserves not available under the articles1311 | €1,056 | €1,056 | €1,056 | - | - | - |
| Tax-exempt reserves132 | - | - | - | - | €80,598 | - |
| Distributable reserves133 | - | - | - | €1,056 | €1,056 | = |
| Profit (loss) carried forward14 | €0 | -€23,548 | -€32,132 | -€35,493 | -€23,662 | ▲ 33.3% |
| Provisions and deferred taxes16 | - | - | - | - | €26,866 | - |
| Deferred taxes168 | - | - | - | - | €26,866 | - |
| Amounts payable17/49 | €133,075 | €200,752 | €266,037 | €262,031 | €29 | ▼ 100.0% |
| Amounts payable after more than one year17 | €115,404 | €174,282 | €234,061 | €218,955 | - | - |
| Financial debts170/4 | €115,404 | €174,282 | €234,061 | €218,955 | - | - |
| Amounts payable within one year42/48 | €17,670 | €26,470 | €31,544 | €43,076 | €29 | ▼ 99.9% |
| Current portion of amounts payable after more than one year42 | €7,913 | €10,123 | €10,221 | €12,673 | - | - |
| Financial debts43 | €8,566 | - | - | - | - | - |
| Credit institutions430/8 | €8,566 | - | - | - | - | - |
| Trade debts44 | €904 | €215 | €516 | €1,294 | €29 | ▼ 97.8% |
| Suppliers440/4 | €904 | €215 | €516 | €1,294 | €29 | ▼ 97.8% |
| Taxes, remuneration and social security45 | €287 | €132 | €878 | - | - | - |
| Taxes450/3 | €287 | €132 | €878 | - | - | - |
| Other amounts payable47/48 | - | €16,000 | €19,929 | €29,109 | - | - |
| Accrued charges and deferred income492/3 | - | - | €432 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €6,652 | -€23,548 | -€8,584 | -€3,361 | €92,429 | ▲ 2,850% |
| + Depreciation and write-downs630 | €8,170 | €8,273 | €15,797 | €17,715 | - | - |
| Operating cash flow (approximation) | €14,822 | -€15,275 | €7,214 | €14,354 | €92,429 | ▲ 544% |
| Investment in fixed assets (approximation) | - | -€85,527 | -€70,505 | -€6,562 | €237,968 | ▲ 3,727% |
| Change in cash | - | -€16,360 | €2,218 | -€1,729 | -€442 | ▲ 74.5% |
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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €92,429
Net result €92,429 after 3 loss-making years.
31-12
Financial
Liquidity times 18962current ratio 3594.96
Current ratio from 0.19 to 3594.96; short-term debt falls from €43,076 to €29.
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 133 days late
2022
31-12
Financial
Weakest financial yearnet -€23,548
Net result drops to -€23,548, the lowest in the series; recovery starts the following year.
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 60 days late
2021
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €8,960
Net result €8,960 after 2 loss-making years.
06-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 6 days late
2019
13-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 13 days late
2018
06-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 6 days late
2017
13-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
5 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, Tournai · 1 establishment unit since 2010
Ground area
3,389 m²
Building footprint
90 m²
Volume, LiDAR
666 m³
Parcel 57085B0006/00H002, Wallonia · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue des Propriétaires(WAR) 8, 7548 Tournai
since 20102.188.539.338
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57085B0006/00H002 | Wallonia | 3,389 m² | 1 · 90 m² | 10.2 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.
Similar companies · same sector, comparable size
ESEAL-MEDICAL
BE 0771.560.764
Waterloo · Eq €76,623
Progr3ssimmo
BE 0801.278.002
Maaseik · Eq €76,537
C.I.C.
BE 0862.270.909
Pajottegem · Eq €76,674
Boechout
BE 0673.631.940
Boechout · Eq €76,472
ZOWIE
BE 0441.499.359
Oostende · Eq €76,396
Of 9,145 companies in sector 68201 we hold annual accounts for 6,776. 3,888 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
Founded25-05-2010
Fiscal year end31-12
Activities, NACEBEL 2025
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
E-invoicing
Reachable via Peppol
Peppol ID
0208:0826341515
Registered
19-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.