CLOUD XPERT
ActiveSummary
CLOUD XPERT has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €22k and a net result of €58k. Equity is shrinking by ~20% per year across the filed fiscal years. Its solvency ranks better than 34% of 17090 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency65▲+26
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 1.63 against 1.16 in 2024; short-term debt: 59.9% and cash: 54.6% of total assets), but 59.9% of the assets are financed with debt.
Credit check for your own amount and term
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 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← 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
40.1%
Return on assets
107.9%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €22k
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 30-01-2026, 182 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
182 d early
2024
142 d early
2023
69 d early
2022
75 d early
2021
153 d early
2020
94 d early
2019
40 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€22k▲ 61.9%
2024 · €13k
Total assets
€54k▼ 42.9%
2024 · €95k
Net result
€58k▼ 24.0%
2024 · €77k
Working capital
€20k▲ 60.5%
2024 · €13k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€93k▲ 9.1%€91k▼ 1.5%€91k▼ 0.1%€98k▲ 7.1%€75k▼ 23.5%
Net result€69k▲ 5.0%€74k▲ 6.9%€66k▼ 10.0%€77k▲ 15.6%€58k▼ 24.0%
Equity€54k▼ 63.3%€41k▼ 23.6%€13k▼ 69.1%€13k▲ 5.1%€22k▲ 61.9%
Total assets€136k▼ 26.3%€90k▼ 33.5%€83k▼ 8.5%€95k▲ 14.5%€54k▼ 42.9%
Debt€82k▲ 118%€49k▼ 40.0%€70k▲ 41.9%€81k▲ 16.2%€32k▼ 60.2%
Working capital€52k▼ 63.9%€40k▼ 22.3%€12k▼ 70.6%€13k▲ 8.1%€20k▲ 60.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 24% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €54k
Fixed assets
€1k ▲ 92.5%
Current assets
€53k ▼ 43.8%
Equity and liabilities €54k
Equity
€22k ▲ 61.9%
Debt
€32k ▼ 60.2%
Debt's share of the balance-sheet total falls from 85.9% to 59.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€75k▼
2024 · €98k
Cash flow
€59k▼
2024 · €77k
Current ratio
1.63▲
2024 · 1.16
Debt to equity
1.50▼
2024 · 6.08
ROE
269.2%▼
2024 · 573.3%
ROA
107.9%▲
2024 · 80.9%
Interest coverage
56.56▲
2024 · 42.34
Debt ≤ 1 year
€32k▼
2024 · €81k
Income taxes
€15k▼
2024 · €20k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €240 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2k | €1k | €1k | €333 | €542 | ▲ 63.0% |
| Other operating charges640/8 | - | €917 | €702 | €722 | €1k | ▲ 41.2% |
| Gross operating margin9900 | €94k | €93k | €93k | €99k | €76k | ▼ 22.7% |
| Operating profit (loss)9901 | €93k | €91k | €91k | €98k | €75k | ▼ 23.5% |
| Financial income75/76B | - | €6k | €2k | €912 | - | - |
| Recurring financial income75 | €2k | €6k | €2k | €912 | - | - |
| Financial charges65/66B | - | €3k | €10k | €2k | €1k | ▼ 42.5% |
| Recurring financial charges65 | €7k | €3k | €10k | €2k | €1k | ▼ 42.5% |
| Profit (loss) for the period before taxes9903 | €87k | €94k | €83k | €96k | €73k | ▼ 23.8% |
| Income taxes67/77 | €18k | €20k | €17k | €20k | €15k | ▼ 23.0% |
| Profit (loss) for the period9904 | €69k | €74k | €66k | €77k | €58k | ▼ 24.0% |
| Profit (loss) for the period to be appropriated9905 | €69k | €74k | €66k | €77k | €58k | ▼ 24.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €136k | €90k | €83k | €95k | €54k | ▼ 42.9% |
| Fixed assets21/28 | €2k | €966 | €940 | €607 | €1k | ▲ 92.5% |
| Tangible fixed assets22/27 | €2k | €966 | €940 | €607 | €1k | ▲ 92.5% |
| Furniture and vehicles24 | - | €966 | €940 | €607 | €1k | ▲ 92.5% |
| Current assets29/58 | €134k | €89k | €82k | €94k | €53k | ▼ 43.8% |
| Amounts receivable within one year40/41 | €65k | €60k | €74k | €24k | €22k | ▼ 8.6% |
| Trade receivables40 | - | €49k | €27k | €21k | €16k | ▼ 23.8% |
| Other amounts receivable41 | - | €11k | €46k | €2k | €5k | ▲ 123% |
| Cash at bank and in hand54/58 | €69k | €26k | €7k | €70k | €29k | ▼ 58.1% |
| Deferred charges and accrued income490/1 | - | €3k | €1k | - | €2k | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €136k | €90k | €83k | €95k | €54k | ▼ 42.9% |
| Equity10/15 | €54k | €41k | €13k | €13k | €22k | ▲ 61.9% |
| Contributions10/11 | - | €12k | €12k | €12k | €12k | = |
| Profit (loss) carried forward14 | €41k | €29k | €324 | €970 | €9k | ▲ 853% |
| Amounts payable17/49 | €82k | €49k | €70k | €81k | €32k | ▼ 60.2% |
| Amounts payable within one year42/48 | €82k | €49k | €70k | €81k | €32k | ▼ 60.2% |
| Trade debts44 | €74 | €995 | €2k | €3k | €1k | ▼ 52.0% |
| Suppliers440/4 | - | €995 | €2k | €3k | €1k | ▼ 52.0% |
| Taxes, remuneration and social security45 | - | €3k | €2k | €2k | €2k | ▼ 2.3% |
| Taxes450/3 | - | €3k | €2k | €2k | €2k | ▼ 2.3% |
| Other amounts payable47/48 | - | €45k | €66k | €76k | €29k | ▼ 62.3% |
| Accrued charges and deferred income492/3 | - | - | €24 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €69k | €74k | €66k | €77k | €58k | ▼ 24.0% |
| + Depreciation and write-downs630 | €2k | €1k | €1k | €333 | €542 | ▲ 63.0% |
| Operating cash flow (approximation) | €70k | €75k | €67k | €77k | €59k | ▼ 23.6% |
| Investment in fixed assets (approximation) | - | €0 | €-998 | €0 | €-1k | - |
| Change in cash | - | €-43k | €-19k | €63k | €-41k | ▼ 165% |
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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
11-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €77k ▲15.6%
Operating result €98k, net result €77k, both a record.
23-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
17-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €147k ▲81%
2 profitable years in a row build equity to €147k.
09-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 40 days late
2019
31-12
Financial
Back to profitnet €71k
Net result €71k after one loss-making year.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro 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.
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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, Antwerpen · 1 establishment unit since 2019
Ground area
123 m²
Building footprint
67 m²
Volume, LiDAR
793 m³
Parcel 11805E1280/00G003, Flanders · tallest building 16.0 m, ±4 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
CLOUD XPERT
since 20192.283.691.586
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11805E1280/00G003 | Flanders | 122 m² | 1 · 67 m² | 16.0 m · 4 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 450 EUR awarded · 450 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 450 EUR | 450 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 30,002 companies in sector 62200 we hold annual accounts for 18,390. 13,297 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
Founded02-01-2019
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
Contact
E-mail
lukemarson@hotmail.comAntwerpen
Scores and ratios are computed by Checked and are not a credit decision.