Equity
Equity fell by 83% in 5 years.
Equity fell by 83% in 5 years.
Of this, €312,393 falls due within a year.
Green is investment, beige is depreciation. Land and buildings stand 95.3% higher than in 2024.
In 2025, 2 people joined and nobody left.
Lower solvency than 87% of companies in computer programming and consultancy. Sector median 60.0% · 21,206 companies.
The dashed line is the sector median: 0.1% across 25,932 companies (NACE 62, micro).
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro). It does better than 14% of them on solvency, 15% on liquidity, 82% on profitability and 10% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
In July 2024, 1,325 companies had the same profile as CLOUD-TECH has now. Each dot stands for 4 companies, two years later.
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of CLOUD-TECH itself is lower: 0.1% within 12 months. It rests on far more data about CLOUD-TECH than the profile alone.
The method was tested on the 497,447 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.
| 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 1,325 companies, not a prediction for CLOUD-TECH. 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.
Liquidity is insufficient, with a current ratio of 0.47 (0.77 in 2024), below 1. Short-term debt is 90.8% and cash 29.3% of total assets. 93.8% of the assets are financed with debt and provisions.
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.
The company filed its last 7 accounts on average 39 days before the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
| Company | ||||
|---|---|---|---|---|
| CLOUD-TECH Watermael-Boitsfort | €344,036 | €328,409 | 6.2% | - |
| ATHYLA Grâce-Hollogne | €369,909 | €306,796 | 60.4% | - |
| Pro Backup Hasselt | €390,100 | €321,683 | 3.0% | 0.4 |
| TRADUCOM Zwevegem | €324,436 | €295,570 | 1.6% | - |
| SPINOZ Braine-l'Alleud | €293,907 | €319,828 | 15.7% | - |
| EVOLUTO Meise | €329,281 | €282,636 | 35.5% | - |
| ABOUT IT Brussels | €376,523 | €262,631 | 28.7% | - |
These companies have the same main activity as CLOUD-TECH: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €294,000 and €390,000, founded between 2014 and 2015.
CLOUD-TECH files the micro format. That format states no turnover. The gross margin rose from €21,514 in 2015 to €328,409 in 2025.
The balance sheet grew most from 2022 to 2024 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €860,000. Estimated: probably between €590,000 and €1.4m.
Higher than 12% of 21,206 companies in 2025.
Higher than 6% of 20,569 companies in 2025.
Higher than 73% of 20,744 companies in 2025.
Net result: top quarter · Equity: middle half · Balance sheet total: top quarter · Working capital: bottom quarter
Staff costs divided by the average number of full-time equivalents.
In 2025, 2 people joined and nobody left.
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Balance sheet: assets | ||||||||||||
20/58 |
344,036 | 345,515 | 290,040 | 258,071 | 134,191 | 179,016 | 71,487 | 68,787 | 77,402 | 67,601 | 74,807 | |
21/28 |
196,302 | 156,104 | 118,563 | 138,764 | 31,761 | 8,433 | 14,815 | 30,234 | 54,706 | 46,510 | 69,599 | |
21 |
- | - | - | - | - | - | 1,000 | 2,998 | 5,328 | 3,658 | 4,988 | |
22/27 |
196,302 | 156,104 | 118,563 | 138,764 | 31,761 | 8,433 | 13,815 | 27,237 | 49,379 | 42,852 | 64,612 | |
22 |
127,537 | 65,313 | - | - | - | - | - | - | - | - | - | |
24 |
57,797 | 88,968 | 115,966 | 135,395 | 29,382 | 5,452 | 13,815 | 27,237 | 49,379 | 42,852 | 64,612 | |
26 |
10,969 | 1,824 | 2,597 | 3,369 | 2,379 | 2,981 | - | - | - | - | - | |
29/58 |
147,734 | 189,410 | 171,477 | 119,307 | 102,430 | 170,583 | 56,673 | 38,553 | 22,695 | 21,091 | 5,208 | |
40/41 |
38,582 | 39,604 | 43,642 | 85,843 | 11,466 | 9,944 | 34,285 | 27,397 | 2,395 | 421 | 2,752 | |
40 |
20,587 | 19,250 | 19,912 | 47,406 | 1,309 | 2,956 | 3,923 | - | - | 416 | - | |
41 |
17,996 | 20,353 | 23,730 | 38,437 | 10,157 | 6,988 | 30,362 | 27,397 | 2,395 | 5 | 2,752 | |
54/58 |
100,786 | 147,202 | 126,357 | 27,941 | 86,976 | 154,268 | 19,724 | 8,905 | 13,029 | 16,676 | 255 | |
490/1 |
8,366 | 2,605 | 1,478 | 5,523 | 3,988 | 6,371 | 2,664 | 2,250 | 7,271 | 3,993 | 2,200 | |
| Balance sheet: equity and liabilities | ||||||||||||
10/49 |
344,036 | 345,515 | 290,040 | 258,071 | 134,191 | 179,016 | 71,487 | 68,787 | 77,402 | 67,601 | 74,807 | |
10/15 |
21,194 | 72,072 | 20,567 | 21,027 | 28,486 | 122,519 | 41,940 | 21,792 | 15,552 | -232 | -4,242 | |
10/11 |
18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | |
10 |
- | - | - | 18,600 | 18,600 | - | - | - | - | - | - | |
100 |
- | - | - | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | |
101 |
- | - | - | - | - | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | |
11 |
18,600 | 18,600 | 18,600 | - | - | - | - | - | - | - | - | |
1109/19 |
18,600 | 18,600 | 18,600 | - | - | - | - | - | - | - | - | |
13 |
1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | - | - | |
130/1 |
1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | - | - | - | - | - | |
130 |
- | - | - | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | - | - | |
1311 |
1,860 | 1,860 | 1,860 | - | - | - | - | - | - | - | - | |
14 |
734 | 51,612 | 107 | 567 | 8,026 | 108,259 | 27,680 | 7,532 | 1,292 | -12,632 | -16,642 | |
17/49 |
322,842 | 273,443 | 269,473 | 237,044 | 105,705 | 56,497 | 29,547 | 46,995 | 61,850 | 67,832 | 79,049 | |
17 |
9,292 | 27,678 | 45,804 | 63,672 | - | - | - | 8,368 | 20,703 | 32,782 | 44,610 | |
170/4 |
9,292 | 27,678 | 45,804 | 63,672 | - | - | - | 8,368 | 20,703 | 32,782 | 44,610 | |
42/48 |
312,393 | 244,965 | 222,869 | 172,572 | 101,400 | 55,697 | 28,747 | 37,483 | 40,346 | 34,250 | 33,639 | |
42 |
18,386 | 18,125 | 17,868 | 17,615 | - | - | 8,368 | 12,335 | 12,079 | 11,828 | 11,582 | |
43 |
- | - | - | - | - | - | - | 4,100 | 563 | - | - | |
439 |
- | - | - | - | - | - | - | 4,100 | 563 | - | - | |
44 |
48,543 | 55,583 | 128,559 | 58,062 | 24,593 | 26,753 | 20,379 | 15,685 | 8,229 | 7,828 | 4,731 | |
440/4 |
48,543 | 55,583 | 128,559 | 58,062 | 24,593 | 26,753 | 20,379 | 15,685 | 8,229 | 7,828 | 4,731 | |
45 |
106,986 | 72,634 | 39,725 | 32,896 | 16,807 | 28,944 | - | 5,363 | 19,475 | 11,029 | - | |
450/3 |
79,546 | 63,768 | 30,989 | 25,907 | 16,807 | 28,944 | - | 5,363 | 19,475 | 11,029 | - | |
454/9 |
27,441 | 8,865 | 8,736 | 6,989 | - | - | - | - | - | - | - | |
47/48 |
138,477 | 98,623 | 36,717 | 64,000 | 60,000 | - | - | - | - | 3,564 | 17,325 | |
492/3 |
1,157 | 800 | 800 | 800 | 4,305 | 800 | 800 | 1,143 | 800 | 800 | 800 | |
| Income statement | ||||||||||||
9900 |
328,409 | 333,661 | 155,603 | 161,626 | 112,387 | 124,456 | 47,607 | 46,771 | 63,286 | 32,530 | 21,514 | |
62 |
118,284 | 60,554 | 58,508 | 50,073 | - | - | - | - | - | - | - | |
630 |
48,171 | 43,044 | 36,520 | 22,016 | 4,852 | 14,183 | 17,332 | 35,027 | 38,247 | 26,220 | 31,556 | |
640/8 |
2,062 | 1,940 | 3,355 | 2,146 | 1,440 | 1,431 | 1,416 | 1,397 | 2,207 | 1,131 | 6,130 | |
9901 |
159,892 | 228,124 | 57,220 | 87,391 | 106,094 | 108,841 | 28,859 | 10,348 | 22,832 | 5,180 | -16,171 | |
75/76B |
11 | 16 | 286 | 6 | 182 | 1,543 | 3,054 | 502 | - | 2 | 10 | |
75 |
11 | 16 | 286 | 6 | 182 | 1,543 | 3,054 | 502 | - | 2 | 10 | |
65/66B |
1,207 | 1,211 | 1,458 | 974 | 241 | 350 | 485 | 830 | 1,023 | 1,171 | 481 | |
65 |
1,207 | 1,211 | 1,458 | 974 | 241 | 350 | 485 | 830 | 1,023 | 1,171 | 481 | |
9903 |
158,696 | 226,928 | 56,048 | 86,423 | 106,034 | 110,034 | 31,429 | 10,019 | 21,809 | 4,011 | -16,642 | |
67/77 |
37,573 | 55,424 | 13,508 | 18,588 | 27,679 | 29,455 | 11,281 | 3,779 | 6,025 | 1 | - | |
9904 |
121,122 | 171,505 | 42,540 | 67,835 | 78,356 | 80,579 | 20,148 | 6,240 | 15,784 | 4,011 | -16,642 | |
9905 |
121,122 | 171,505 | 42,540 | 67,835 | 78,356 | 80,579 | 20,148 | 6,240 | 15,784 | 4,011 | -16,642 | |
| Appropriation of the result | ||||||||||||
9906 |
172,734 | 171,612 | 43,107 | 75,861 | 186,615 | 108,259 | 27,680 | 7,532 | 3,152 | -12,632 | -16,642 | |
14P |
51,612 | 107 | 567 | 8,026 | 108,259 | - | - | - | - | - | - | |
691/2 |
- | - | - | - | - | - | - | - | 1,860 | - | - | |
6920 |
- | - | - | - | - | - | - | - | 1,860 | - | - | |
694/7 |
172,000 | 120,000 | 43,000 | 75,294 | 178,588 | - | - | - | - | - | - | |
694 |
172,000 | 120,000 | 43,000 | 75,294 | 178,588 | - | - | - | - | - | - | |
| Social balance sheet | ||||||||||||
9087 |
1.8 | 1 | 1 | 1 | - | - | - | - | - | - | - | |
Hours worked1013 |
3,044 | 1,770 | 1,763 | 1,922 | - | - | - | - | - | - | - | |
| Document | ||||||||||||
The notes to these accounts have 7 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).
Source: Annual accounts 2025 (PDF), filed on 23-03-2026.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 23-03-2026 | 2026-00061090 | |
| 31-12-2024 | micro format | 31-03-2025 | 2025-00062179 | |
| 31-12-2023 | micro format | 08-07-2024 | 2024-00243540 | |
| 31-12-2022 | micro format | 26-07-2023 | 2023-00276416 | |
| 31-12-2021 | micro format | 28-07-2022 | 2022-20253414 | |
| 31-12-2020 | micro format | 16-08-2021 | 2021-49100225 | |
| 31-12-2019 | micro format | 27-07-2020 | 2020-35300400 | |
| 31-12-2018 | micro format | 31-07-2019 | 2019-42700403 | |
| 31-12-2017 | micro format | 09-08-2018 | 2018-45000153 | |
| 31-12-2016 | full format | 16-08-2017 | 2017-44200152 | |
| 31-12-2015 | full format | 18-08-2016 | 2016-44900229 |
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 208,063 | 271,167 | 93,740 | 109,408 | 110,947 | 123,024 | 46,191 | 45,374 | 61,079 | 31,399 | 15,385 | ||
| 169,294 | 214,548 | 79,060 | 89,852 | 83,208 | 94,762 | 37,480 | 41,267 | 54,031 | 30,230 | 14,914 | ||
| 88,369 | 80,585 | 16,319 | 129,019 | 28,181 | 7,801 | 1,913 | 10,555 | 46,443 | 3,130 | 101,155 | ||
| -46,416 | 20,844 | 98,416 | -59,035 | -67,292 | 134,544 | 10,819 | -4,125 | -3,647 | 16,421 | - | ||
| -164,659 | -55,555 | -51,392 | -53,265 | 1,030 | 114,886 | 27,925 | 1,070 | -17,651 | -13,159 | -28,431 | ||
| 6.2% | 20.9% | 7.1% | 8.1% | 21.2% | 68.4% | 58.7% | 31.7% | 20.1% | -0.3% | -5.7% | ||
| 0.47 | 0.77 | 0.77 | 0.69 | 1.01 | 3.06 | 1.97 | 1.03 | 0.56 | 0.62 | 0.15 | ||
| 15.23 | 3.79 | 13.10 | 11.27 | 3.71 | 0.46 | 0.70 | 2.16 | 3.98 | - | - | ||
| 571.5% | 238.0% | 206.8% | 322.6% | 275.1% | 65.8% | 48.0% | 28.6% | 101.5% | - | - | ||
| 35.2% | 49.6% | 14.7% | 26.3% | 58.4% | 45.0% | 28.2% | 9.1% | 20.4% | 5.9% | -22.2% | ||
| over 100 | over 100 | 64.30 | over 100 | over 100 | - | - | - | - | - | - |
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.
| Item | 31-12-2025 | 31-12-2024 | 31-12-2023 | 31-12-2022 |
|---|---|---|---|---|
| Employees at the balance-sheet date | 3 | 1 | 1 | 1 |
| full-time | 2 | 1 | 1 | 1 |
| part-time | 1 | - | - | - |
| in full-time equivalents | 2.1 | 1 | 1 | 1 |
| 1.8 | 1 | 1 | 1 | |
| On a permanent contract | 2 | 1 | 1 | 1 |
| Joined | 2 | - | - | 1 |
| Left | 0 | - | - | 0 |
Source: social balance sheet in the 2022 to 2025 annual accounts
| Item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Tangible fixed assets | €88,369 | €80,585 | €16,319 | €129,019 | €28,181 |
| €48,171 | €43,044 | €36,520 | €22,016 | €4,852 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
The operating result for 2025 is 30% lower than in 2024.
Debt's share of the balance-sheet total rises from 79.1% to 93.8%. Equity is lower and debt is higher.
CLOUD-TECH has no parent and no holdings in its annual accounts. CLOUD-TECH shares no director with another company.
| FDM Group
registered office since 01-03-2000 · founded in 2000 |
total assets €355,175 (2025) 0471.317.060 |
| DSM CENTER
registered office since 09-07-2012 · founded in 2012 |
total assets €327,785 (2025) 0847.247.488 |
| AMORE DIVINO
registered office since 13-01-2012 · founded in 2012 |
total assets €186,941 (2025) 0842.815.380 |
| GD CONSEILS & SOLUTIONS
registered office since 17-11-2023 · founded in 2023 |
total assets €113,183 (2025) 1002.382.261 |
| SYSTEMNET
establishment since 12-04-2018 · founded in 2018 |
total assets €85,767 (2018) 0694.678.267 |
| MYM spirit
registered office since 02-10-2019 · founded in 2019 |
total assets €82,819 (2025) 0735.602.864 |
| YPL CONSULTING
registered office since 25-10-2019 · founded in 2019 |
total assets €79,155 (2025) 0736.803.684 |
| G-Free RED
registered office since 17-12-2021 · founded in 2021 · negative equity (2025) |
total assets €62,544 (2025) 0778.775.386 |
| Tedecon Engineering Brussel
registered office since 01-09-2016 · founded in 2016 |
total assets €45,671 (2025) 0661.907.709 |
| MAKINCHA
establishment since 02-03-2026 · founded in 2013 |
total assets €27,777 (2025) 0534.483.559 |
Deadline for the 2026 accounts: 31-07-2027
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
| Establishment | Since | Unit number |
|---|---|---|
| Briljantstraat 86 registered office 1170 Watermael-Boitsfort | 27-10-2014 | 2.236.339.156 |
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 21017D0012/00S000 | 5,550 m² | 1 · 1,090 m² | 28.7 m · 9 |
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