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CLOUD & CLEAR

Active Private limited companyfounded 2012active for 14 yearsRue des Ramiers 5, 4030 LiègeKBO/BCE: BE 0845.819.115
CLOUD & CLEAR
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Overview

Lifetime

14 annual accounts with figures on one time axis
peak €59,047 (2015)
-€7,614▼ €27,661
lowest -€36,163 (2014)
-€7,498▼ €23,892
peak €45,526 (2024)
€38,029▼ 16.5%
€21,110▼ 42.3%
Board1 name since 2012
1 director
Documentsfilings and deeds
26-08-202626 days late
2025micro format
Gross margin from €20,047 to -€7,614Loss of €7,498Equity from €45,526 to €38,029Debts from €36,586 to €21,110Cash from €134 to €1,877

Key points

from the 2025 annual accounts

Liquidity

2.74 was 2.17 in 2024

Short-term debts fell from €36,586 to €21,110.

Filings

14 annual accounts since 2012
AprilJune31 JulyOctober201520202025

Ten of the last ten came late. The 2017 accounts came latest: 237 days after the end of the period.

Position in the sector

-€7,498

Lower net result than 84% of companies in education. Sector median €7,281 · 2,614 companies.

Checked score

Bankruptcy probability within 12 months

Financial strength

Score breakdown

Comparable companies, two years later

In July 2024, 4,805 companies had the same profile as CLOUD & CLEAR has now. Each dot stands for 13 companies, two years later.

88.1%
were still trading
9.8%
stopped another way
2.0%
went bankrupt
  • Micro
  • 10 to 20 years old
  • solvency 30% or more
  • a loss of 10% of the balance sheet or more

Another 0.1% stopped without a precise date, possibly only after those two years.

Test of the method

The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.

The companies in ten equal groups, from the lowest to the highest expected share
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% 0.9%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.

This is an observation about 4,805 companies, not a prediction for CLOUD & CLEAR. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.

Credit verdict

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Board and ownership

Director
Board & ownership

Recent changes

Permanent representative: General meeting of 01-02-2024 · Gazette deed
Registered office moved from Liège to Grivegnée New registered office: Rue des Ramiers 5, 4030 Grivegnée · Previous registered office: Rue des Pocheteux 10-4020 Liège · General meeting of 01-02-2021 · Gazette deed
First establishment Rue des Ramiers 5, Liège
Incorporation published on 22-05-2012 · Gazette deed
All 23 events

Comparable companies

same main activity, similar in size and age
Company
CLOUD & CLEAR Liège €59,139 -€7,614 64.3% -
CoDeBuMa Maaseik €64,107 -€27,666 72.6% -
C.O.L.E. HR CONSULTANCY Zottegem €66,462 -€5,038 65.2% -
KNDL Stekene €73,382 -€2,481 86.9% -
GROEI ACADEMIE Bruges €93,124 -€49,698 -39.4% -
People Coach Laakdal €68,815 -€36,994 84.3% -
YA-COURS Brussels €95,248 -€8,637 11.1% -

These companies have the same main activity as CLOUD & CLEAR: other education (NACE 85599). They are comparable in size and age: total assets between €64,100 and €95,200, founded between 2007 and 2013.

Official details

Source: KBO
Status
Active since 09-05-2012Normal situation
Activity
Other educationNACE 85599and 5 others
Establishment unit
2.209.521.5274030 Liège, since 25-05-2012
Financial year end
31 December
Peppol
Not found in the Peppol Directory
Company details

Annual accounts 2025

-€7,614
€7,498
€38,029▼ 16.5%
€59,139▼ 28.0%
Filing
Filed on 26-08-2026
Financials

Insights on CLOUD & CLEAR

CLOUD & CLEAR files the micro format. That format states no turnover. The gross margin fell from €25,244 in 2012 to -€7,614 in 2025.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2025

micro format, filed on 26-08-2026, 26 days late
-€7,614
▼ €27,661
-€9,422
▼ €28,182
-€8,102
▼ €28,144
-€6,178
▼ €23,854
64.3%
▲ 8.9 percentage points
2.74
▲ 0.57

Turnover: not included in this filing.

Money flows

no detail for 2025

Balance sheet

balance sheet total €59,139 on 31-12-2025
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

Compare with sector

64.3%

Higher than 68% of 2,612 companies in 2025.

2.74

Higher than 65% of 2,481 companies in 2025.

-12.7%

Higher than 15% of 2,510 companies in 2025.

CLOUD & CLEAR Middle half of the sector 80% of the sector Micro accounts in education (NACE 85)

Net result: bottom quarter · Equity: middle half · Balance sheet total: middle half · Working capital: middle half

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend20252024202320222021202020192018201720162015201420132012
Balance sheet: assets
20/58 59,13982,11344,95621,76826,13628,46324,28735,82360,18373,89772,35818,39641,81544,279
20 ------0-0000--
21/28 1,2642,5842,792000001,6344,0331,7251,8963,9014,012
21 -------------224
22/27 1,2642,5842,792000001,6344,0331,7251,8963,9013,788
24 1,2642,5842,7920000-1,6344,0331,7251,8963,9013,788
29/58 57,87479,52942,16421,76826,13628,46324,28735,82358,54969,86470,63216,50037,91440,267
40/41 55,99879,39539,38818,44824,80813,52419,52835,03356,88347,62141,5691,04420,41514,676
40 2,20933,98524,46910,08921,86110,85519,46835,00247,10745,35338,5691,04413,10513,268
41 53,78945,41014,9188,3592,9472,66960309,7762,2683,00007,3091,408
50/53 --------08,4008,4008,400--
54/58 1,8771342,7773,3201,32714,9394,7607901,66613,84220,6637,05617,49925,591
Balance sheet: equity and liabilities
10/49 59,13982,11344,95621,76826,13628,46324,28735,82360,18373,89772,35818,39641,81544,279
10/15 38,02945,52629,1324,4442,5315,13513,05623,07231,17337,47940,800-19,03117,13133,610
10/11 18,60018,60018,60018,60018,60018,60018,60018,60018,60018,60018,60018,60018,60018,600
100 ------18,60018,60018,60018,60018,60018,60018,60018,600
13 16,86016,86016,86016,86016,86016,86016,86016,86016,86016,86016,8601,8601,8601,860
130/1 1,8601,8601,8601,8601,8601,860--------
130 ------1,8601,8601,8601,8601,8601,8601,8601,860
1311 1,8601,8601,8601,8601,8601,860--------
133 15,00015,00015,00015,00015,00015,00015,00015,00015,00015,00015,000---
14 2,56910,066-6,328-31,016-32,929-30,325-22,404-12,388-4,2872,0195,340-39,491-3,32913,150
17/49 21,11036,58615,82417,32423,60423,32811,23112,75129,01036,41831,55737,42824,68410,669
42/48 21,11036,58615,82417,32423,60423,32811,19712,75129,01036,41831,55737,42824,68410,669
44 2,32120,6452,0253,99911,82417,3895,0957,96124,63515,0976,42419,04414,8362,615
440/4 2,32120,6452,0253,99911,82417,3895,0957,96124,63515,0976,42419,04414,8362,615
45 3,9007,2304,5874,1134,0205,4395,5324,0853,87515,96414,1683,3099,8488,054
450/3 3,9007,2304,5874,1134,0205,4395,5324,0853,87515,96414,1683,3095,4488,054
454/9 ----000000004,4000
47/48 14,8908,7129,2129,2127,7605005707055005,35610,96515,075-0
492/3 -----034-------
Income statement
70 -------------48,833
9900 -7,61420,04724,3202,103-1,335-7,671-2,447-6,0096,4602,40359,047-31,654-11,30625,244
60/61 ------------156,44523,589
630 1,3201,28294----1,6342,3992,5942,4513,2213,2461,596
640/8 48858576402557,5092933999312,4765291,892525
66A --------8,400-----
9901 -9,42218,76024,1412,027-1,737-7,726-9,956-7,936-4,737-1,12254,120-35,404-16,44423,123
75/76B 2,7101,827603395161--041018,379231,40210
75 2,7101,827603395161--041018,379231,40210
65/66B 786293565091,02819559924821,4688555751,12769
65 786293565091,02819559924821,4688555751,12769
9903 -7,49820,29424,6881,913-2,604-7,921-10,015-8,028-5,178-2,59071,645-35,955-16,16923,063
67/77 03,900-----731,12773211,8132083098,054
9904 -7,49816,39424,6881,913-2,604-7,921-10,015-8,102-6,305-3,32259,831-36,163-16,47815,010
9905 -7,49816,39424,6881,913-2,604-7,921-10,015-8,102-6,305-3,32259,831-36,163-16,47815,010
Appropriation of the result
9906 2,56910,066-6,328-31,016-32,929-30,325-22,404-12,388-4,2872,01920,340-39,491-3,32915,010
14P 10,066-6,328-31,016-32,929-30,325---------
691/2 ----------15,000--1,860
6920 -------------1,860
6921 ----------15,000---
Document PDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDF

The notes to these accounts have 8 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.

Source: Annual accounts 2025 at the NBB, filed on 26-08-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank

2025 annual accounts filed 26 days after the deadline. Filed on 26 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00426268.

Financial year Type Filed Reference Document
31-12-2025 micro format 26-08-2026 2026-00426268 PDF
31-12-2024 micro format 25-11-2025 2025-00572953 PDF
31-12-2023 full format 29-08-2024 2024-00416295 PDF
31-12-2022 full format 22-08-2023 2023-00341260 PDF
31-12-2021 full format 11-08-2022 2022-20298262 PDF
31-12-2020 micro format 30-12-2021 2021-82100549 PDF
31-12-2019 micro format 30-10-2020 2020-67600298 PDF
31-12-2018 micro format 30-08-2019 2019-55600168 PDF
31-12-2017 full format 25-03-2019 2019-07600558 PDF
31-12-2016 full format 26-10-2017 2017-67900369 PDF
31-12-2015 full format 05-10-2016 2016-64700009 PDF
31-12-2014 full format 18-11-2015 2015-67000078 PDF
31-12-2013 full format 27-10-2014 2014-65600512 PDF
31-12-2012 full format 30-08-2013 2013-54100176 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend20252024202320222021202020192018201720162015201420132012
-8,10220,04224,235-----6,302-2,3391,47256,571-32,183-13,19824,719
-6,17817,67624,782-----6,467-3,907-72862,282-32,942-13,23316,606
01,0742,886----09,4254,9022,2801,2163,1355,607
1,743-2,643-5431,992-13,61210,1803,970-876-12,176-6,82113,607-10,443-8,092-
36,76442,94326,3404,4442,5315,13513,09123,07229,53933,44639,075-20,92813,23029,598
-------------47.4%
64.3%55.4%64.8%20.4%9.7%18.0%53.8%64.4%51.8%50.7%56.4%-103.5%41.0%75.9%
2.742.172.661.261.111.222.172.812.021.922.240.441.543.77
0.560.800.543.909.324.540.860.550.930.970.77-1.440.32
-19.7%36.0%84.7%43.0%-102.9%-154.2%-76.7%-35.1%-20.2%-8.9%146.6%--96.2%44.7%
-12.7%20.0%54.9%8.8%-10.0%-27.8%-41.2%-22.6%-10.5%-4.5%82.7%-196.6%-39.4%33.9%
-10.3068.35over 100-----------
-------------99 days
------------35 days40 days

EBIT margin: not included in this filing.

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Investments

fixed assets acquired
Item20252024202320222021
Tangible fixed assets-€1,074€2,886--
Financial fixed assets€0----
€1,320€1,282€94--

Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)

Insights on CLOUD & CLEAR

The operating result for 2025 is a loss of €9,422, after a profit of €18,760 in 2024. It is the lowest result since 2019.

Debt's share of the balance-sheet total falls from 44.6% to 35.7%. Equity and debt are lower.

Board & ownership

Board

1 director, last change in 2024
Sole director
in office according to the deed of 19-02-2024
listed in the 2025 annual accounts, filed on 26-08-2026
Signing authorityThe articles say who may bind the company, for example by signing a contract.
“Article 12. Pouvoirs de l’organe d’administration S’il n’y a qu’un seul administrateur, la totalité des pouvoirs d’administration lui est…”
deed of 19-02-2024

Office holders in the KBO →

Mandates through the years

1 name, the dashed line is today

Sole director
Board
Mandates as a list
    • Sole director, from 04-05-2012 to date

See the board, name and registered office on a given date →

Control

See the annual accounts at the National Bank and the publications in the Belgian Official Gazette.

Capital

Contribution
€18,600
Source
2025 annual accounts

Articles of association

deed of 19-02-2024 (in French)
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
Board ruleThese rules set how the board is made up, meets and takes decisions.
At least 1 director
Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
“Moitié cédant,moitié acquéreurs au prorata si plusieurs, héritiers et légataires mêmes formalités”
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
23 May at 18:00

Network & group

No group

CLOUD & CLEAR has no parent and no holdings in its annual accounts. is the only director. CLOUD & CLEAR shares no director with another company.

Timeline

Timeline

23 events since 2012

Deadline for the 2026 accounts: 31-07-2027

2026
Annual accounts 2025 filed NBBmicro format · 26 days late
2025
Annual accounts 2024 filed PDFmicro format · 117 days late
2024
Annual accounts 2023 filed PDFfull format · 29 days late
Permanent representative: General meeting of 01-02-20244 points ▸
  • General meeting, 01-02-2024
  • 186 shares
  • Registered office clause, rue des Ramiers 5, 4030 Liège-Grivegnée
  • Permanent representative,
  • The deed holds 3 more points.

Open the deed in the Belgian Official Gazette

2023
Liquidity more than doubled current ratio 2.66 The current ratio rises from 1.26 to 2.66. Short-term debt falls from €17,324 to €15,824.
Annual accounts 2022 filed PDFfull format · 22 days late
2022
Back to profit net €1,913 The net result is €1,913, after 6 loss-making years.
Annual accounts 2021 filed PDFfull format · 11 days late
2021
Annual accounts 2020 filed PDFmicro format · 152 days late
Registered office moved from Liège to GrivegnéeNew registered office: Rue des Ramiers 5, 4030 Grivegnée · Previous registered office: Rue des Pocheteux 10-4020 Liège · General meeting of 01-02-20212 points ▸
  • General meeting, 01-02-2021
  • Registered-office move, Rue des Ramiers 5, 4030 Grivegnée

Open the deed in the Belgian Official Gazette

2020
Annual accounts 2019 filed PDFmicro format · 91 days late
2019
Annual accounts 2018 filed PDFmicro format · 30 days late
Annual accounts 2017 filed PDFfull format · 237 days late
2017
Annual accounts 2016 filed PDFfull format · 87 days late
2016
Annual accounts 2015 filed PDFfull format · 66 days late
2015
Back to profit net €59,831 The net result is €59,831, after 2 loss-making years.
Liquidity more than 5 times current ratio 2.24 The current ratio rises from 0.44 to 2.24. Short-term debt falls from €37,428 to €31,557.
Annual accounts 2014 filed PDFfull format · 110 days late
2014
Weakest financial year net -€36,163 The net result drops to -€36,163, the lowest from 2012 to 2025. It recovers the following year.
Annual accounts 2013 filed PDFfull format · 88 days late
2013
Annual accounts 2012 filed PDFfull format · 30 days late
2012
First establishment Rue des Ramiers 5, Liège
Incorporation PDFpublished on 22-05-2012

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

On 9 May 2012, CLOUD & CLEAR was incorporated.1 In 2021 the registered office moved to Grivegnée.2 Total assets went from €35,823 in 2018 to €59,139 in 2025.3

  1. 1KBO register
  2. 2Belgian Official Gazette, 01-03-2021
  3. 3National Bank, annual accounts 2018 and 2025

Company details

Identity

Enterprise number
0845.819.115
VAT number
BE 0845.819.115
Legal form
Private limited company
Status
Active, normal situation
Founded
09-05-2012
Financial year
ends on 31 December
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
23 May at 18:00
deed of 19-02-2024 (in French)
Peppol
Not found in the Peppol Directory
Name
CLOUD & CLEAR in French
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 19-02-2024 (in French)

Activities

NACEBEL 2025
85599 Other education main activity
61200 Telecommunications resale and intermediation services
62200 Computer consultancy and computer facilities management
62900 Other information technology and computer services
63910 Web portal activities
71121 Engineering and related technical consultancy, excluding land surveyors
Codes under NACEBEL 2008
85599 Other education main activity
61900 Telecommunications
62030 Computer programming, consultancy and related activities
62090 Computer programming, consultancy and related activities
63120 Computing infrastructure, data processing, hosting and other information service activities
71121 Engineering activities
PurposeThe purpose describes the activities the company may carry out under its articles.
“De concevoir,d’étudier,de promouvoir et de réaliser tous projets informatiques,bureautiques et tout ce qui s’y rapporte; La consultance,la…”
2 activities
  1. De concevoir,d’étudier,de promouvoir et de réaliser tous projets informatiques,bureautiques et tout ce qui s’y rapporte
  2. La consultance,la prestation de services,la formation,et l’expertise dans les domaines de l’informatique et des télécommunications
deed of 19-02-2024 (in French)

Registered office and establishments

1 establishment
Establishment Since Unit number
Rue des Ramiers 5 registered office 4030 Liège 25-05-2012 2.209.521.527
1 former office
  • Rue des Pocheteux 10, 4020 Liège until 01-02-2021 · deed of 01-03-2021

Buildings and parcels at the address

Ground area
1,075 m²

Location

registered office establishment The establishment unit on the map

Parcels

Cadastral parcelArea Buildings Height / floors
62302B0382/00L0021,075 m² - -

Contact

E-mail info@cloudclear.be

Invoicing and payment

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