CLOUDAUMATION
ActiveSummary
CLOUDAUMATION has been active since 2020 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €69,259 and a net result of €206,439. Equity has been stable since 2021 (±0% per year). Its solvency ranks better than 20% of 21,158 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 25-06-2020 Normal situation
- Activity
- Computer consultancy and computer facilities management NACE 62200and 2 others
- Joint committees
- 100 Aanvullend Paritair Comité voor de werklieden
- 200 Aanvullend Paritair Comité voor de bedienden · annual accounts 2025
- Establishment unit
- 2.304.221.340 9080 Lochristi, since 25-06-2020
- Financial year end
- 31 December
- Peppol
- Reachable since 29-08-2025
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.1%
Annual accounts 2025
- Gross margin
- €368,350
- ▼ 14.0%
- Turnover
- ≈ €960,000
- estimated
- Profit
- €206,439
- ▼ 17.1%
- Equity
- €69,259
- =
- Total assets
- €363,322
- ▼ 3.2%
- Employees on 31-12-2025
- 1
- ▼ 50.0%
Score breakdownraises risk1 change of registered office in 24 monthslowers riskSector: Computer programming, consultancy and related activities (NACE 62)Liquidity: current ratio 1.11, cash €255,714Size: total assets €363,322Show the evidence
Checked score
Score 2025
91
/ 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 46% of micro companies in computer programming and consultancy (NACE 62)
Financial strength · tick: 2024
Strong
Solvency
44+1
equity 19.1% of total assets
Liquidity
56+1
short-term debt 80.9% · cash 70.4%
Profitability
100=
return on assets 56.8%
Bankruptcy probability within 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024lowest value
02-2025: < 0.1%● unchanged vs 01-2025lowest value
03-2025: < 0.1%● unchanged vs 02-2025lowest value
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: 0.1%▲ +0.1 percentage points vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026highest value
11-2026: 0.1%● unchanged vs 10-2026highest value
Credit of up to €6,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.11 (1.14 in 2024), below the usual 1.5. Short-term debt is 80.9% and cash 70.4% of total assets. 80.9% of the assets are financed with debt and provisions.
Calculation
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 21% of them on solvency, 38% on liquidity, 82% on profitability and 41% on growth.
The bankruptcy probability was computed on 04-11-2026 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.
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).
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
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 21158 sector peers (2025).
NBB · sector comparisonPosition among 21158 sector peers
Solvency
better than 20%
← weakest
strongest →
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 31-03-2026, 122 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
122 days early
2024
7 days early
2023
23 days early
2022
20 days early
2021
33 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 5 accounts on average 41 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.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 9 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
04-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 31-03-2026 PDF all 5 filings
Turnover
≈ €960,000
Estimated: probably between €670,000 and €1.5m
Total assets
€363,322▼ 3.2%
2024 · €375,207
Net result
€206,439▼ 17.1%
2024 · €249,002
Working capital
€32,698▼ 25.8%
2024 · €44,059
Multi-year overview
2021 to 2025, 5 financial yearsOperating result
€273,229
▼ 17.0%
2025
20212025
Net result
€206,439
▼ 17.1%
2025
highest quarter of the sector
20212025
Equity
€69,259
=
2025
middle half of the sector
20212025
Total assets
€363,322
▼ 3.2%
2025
highest quarter of the sector
20212025
Debt
€294,063
▼ 3.9%
2025
20212025
Working capital
€32,698
▼ 25.8%
2025
middle half of the sector
20212025
Solvency
19.1%
▲ 0.6pp
2025
lowest quarter of the sector
20212025
Current ratio
1.11
▼ 0.03
2025
lowest quarter of the sector
20212025
Return on assets (ROA)
56.8%
▼ 9.5pp
2025
highest quarter of the sector
20212025
Staff (FTE)
1.6
▼ 5.9%
2025
20212025
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line20212022202320242025
Operating result€91,761-€61,574▼ 32.9%€195,501▲ 218%€329,076▲ 68.3%€273,229▼ 17.0%
Net result€64,259above the sector's middle half-€47,757above the sector's middle half▼ 25.7%€149,125above the sector's middle half▲ 212%€249,002above the sector's middle half▲ 67.0%€206,439above the sector's middle half▼ 17.1%
Equity€69,259within the sector's middle half-€117,016within the sector's middle half▲ 69.0%€266,141above the sector's middle half▲ 127%€69,259within the sector's middle half▼ 74.0%€69,259within the sector's middle half=
Total assets€90,240within the sector's middle half-€156,179within the sector's middle half▲ 73.1%€318,262above the sector's middle half▲ 104%€375,207above the sector's middle half▲ 17.9%€363,322above the sector's middle half▼ 3.2%
Debt€20,981-€39,163▲ 86.7%€52,121▲ 33.1%€305,949▲ 487%€294,063▼ 3.9%
Working capital€63,649within the sector's middle half-€105,801within the sector's middle half▲ 66.2%€243,382above the sector's middle half▲ 130%€44,059within the sector's middle half▼ 81.9%€32,698within the sector's middle half▼ 25.8%
Solvency76.7%within the sector's middle half-74.9%within the sector's middle half▼ 1.8pp83.6%above the sector's middle half▲ 8.7pp18.5%below the sector's middle half▼ 65.2pp19.1%below the sector's middle half▲ 0.6pp
Current ratio4.03within the sector's middle half-3.70within the sector's middle half▼ 0.335.67above the sector's middle half▲ 1.971.14below the sector's middle half▼ 4.531.11below the sector's middle half▼ 0.03
Return on assets (ROA)71.2%above the sector's middle half-30.6%above the sector's middle half▼ 40.6pp46.9%above the sector's middle half▲ 16.3pp66.4%above the sector's middle half▲ 19.5pp56.8%above the sector's middle half▼ 9.5pp
Staff (FTE)1.51.7▲ 13.3%1.6▼ 5.9%
above
within
below
The sector band is the middle half of the companies in Computer programming, consultancy and related activities (NACE 62). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The operating result for 2025 is 17% lower than in 2024.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €363,322
Fixed assets
€36,561 ▲ 45.1%
Current assets
€326,761 ▼ 6.6%
Equity and liabilities €363,322
Equity
€69,259 =
Debt
€294,063 ▼ 3.9%
Debt's share of the balance-sheet total falls from 81.5% to 80.9%. Debt is lower.
Key figures and ratios
EBITDA
€284,025▼
2024 · €337,548
Cash flow
€217,236▼
2024 · €257,474
Debt to equity
4.25▼
2024 · 4.42
ROE
298.1%▼
2024 · 359.5%
Interest coverage
over 100
2024 · over 100
Debt ≤ 1 year
€294,063▼
2024 · €305,949
Income taxes
€67,006▼
2024 · €81,306
Staff costs
€82,449▼
2024 · €89,473
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Staff
| Item | 31-12-2023 | 31-12-2024 | 31-12-2025 |
|---|---|---|---|
| Employees at the balance-sheet date | 2 | 2 | 1 |
| full-time | 1 | 1 | 0 |
| part-time | 1 | 1 | 1 |
| in full-time equivalents | 1.7 | 1.7 | 0.7 |
| Average over the year, in full-time equivalents | 1.5 | 1.7 | 1.6 |
| On a permanent contract | 2 | 2 | 1 |
| Joined | 2 | - | 1 |
| Left | 0 | - | 2 |
Source: social balance sheet in the 2023 to 2025 annual accounts
Investments
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Tangible fixed assets | €6,873 | €8,307 | €17,843 | €6,862 | €20,867 |
| Intangible fixed assets | €0 | - | - | - | - |
| Financial fixed assets | €0 | - | - | €4,050 | €1,290 |
| Depreciation and write-downs of the year | €2,263 | €2,703 | €6,298 | €8,471 | €10,797 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
Subsidies and aid
Flemish government
2024 to 2025 · 2 entries · €2,445 awarded · €2,445 paid| Year | Entries | Awarded | Paid |
|---|---|---|---|
| 2025 | 1 | €2,250 | €2,250 |
| 2024 | 1 | €195 | €195 |
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €84 | - |
| Remuneration, social security and pensions62 | - | - | €67,810 | €89,473 | €82,449 | ▼ 7.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,263 | €2,703 | €6,298 | €8,471 | €10,797 | ▲ 27.4% |
| Other operating charges640/8 | €2,089 | €649 | €1,756 | €1,497 | €1,876 | ▲ 25.4% |
| Gross operating margin9900 | €96,113 | €64,927 | €271,365 | €428,518 | €368,350 | ▼ 14.0% |
| Operating profit (loss)9901 | €91,761 | €61,574 | €195,501 | €329,076 | €273,229 | ▼ 17.0% |
| Financial income75/76B | - | €0 | €390 | €1,358 | €1,489 | ▲ 9.7% |
| Recurring financial income75 | - | €0 | €390 | €1,358 | €1,489 | ▲ 9.7% |
| Financial charges65/66B | €34 | €92 | €174 | €126 | €1,272 | ▲ 910% |
| Recurring financial charges65 | €34 | €92 | €174 | €126 | €1,272 | ▲ 910% |
| Profit (loss) for the period before taxes9903 | €91,727 | €61,482 | €195,717 | €330,308 | €273,446 | ▼ 17.2% |
| Income taxes67/77 | €27,469 | €13,725 | €46,591 | €81,306 | €67,006 | ▼ 17.6% |
| Profit (loss) for the period9904 | €64,259 | €47,757 | €149,125 | €249,002 | €206,439 | ▼ 17.1% |
| Profit (loss) for the period to be appropriated9905 | €64,259 | €47,757 | €149,125 | €249,002 | €206,439 | ▼ 17.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €90,240 | €156,179 | €318,262 | €375,207 | €363,322 | ▼ 3.2% |
| Fixed assets21/28 | €5,610 | €11,215 | €22,760 | €25,200 | €36,561 | ▲ 45.1% |
| Tangible fixed assets22/27 | €5,610 | €11,215 | €22,760 | €21,150 | €31,221 | ▲ 47.6% |
| Land and buildings22 | - | - | €6,599 | €5,883 | €9,351 | ▲ 58.9% |
| Plant, machinery and equipment23 | €1,684 | €5,239 | €7,190 | €4,799 | €14,321 | ▲ 198% |
| Furniture and vehicles24 | €3,926 | €5,976 | €8,971 | €10,468 | €7,549 | ▼ 27.9% |
| Financial fixed assets28 | - | - | - | €4,050 | €5,340 | ▲ 31.9% |
| Current assets29/58 | €84,630 | €144,964 | €295,502 | €350,007 | €326,761 | ▼ 6.6% |
| Amounts receivable within one year40/41 | €30,591 | €57,275 | €49,633 | €101,355 | €69,799 | ▼ 31.1% |
| Trade receivables40 | €15,320 | €40,949 | €34,328 | €81,761 | €67,257 | ▼ 17.7% |
| Other amounts receivable41 | €15,271 | €16,326 | €15,305 | €19,594 | €2,542 | ▼ 87.0% |
| Cash at bank and in hand54/58 | €52,299 | €87,029 | €244,047 | €247,295 | €255,714 | ▲ 3.4% |
| Deferred charges and accrued income490/1 | €1,740 | €661 | €1,822 | €1,357 | €1,249 | ▼ 7.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €90,240 | €156,179 | €318,262 | €375,207 | €363,322 | ▼ 3.2% |
| Equity10/15 | €69,259 | €117,016 | €266,141 | €69,259 | €69,259 | = |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Reserves13 | €64,259 | €64,259 | €64,259 | €64,259 | €64,259 | = |
| Distributable reserves133 | €64,259 | €64,259 | €64,259 | €64,259 | €64,259 | = |
| Profit (loss) carried forward14 | - | €47,757 | €196,882 | €0 | €0 | - |
| Amounts payable17/49 | €20,981 | €39,163 | €52,121 | €305,949 | €294,063 | ▼ 3.9% |
| Amounts payable within one year42/48 | €20,981 | €39,163 | €52,121 | €305,949 | €294,063 | ▼ 3.9% |
| Trade debts44 | €7,967 | €5,297 | €7,658 | €19,591 | €1,095 | ▼ 94.4% |
| Suppliers440/4 | €7,967 | €5,297 | €7,658 | €19,591 | €1,095 | ▼ 94.4% |
| Taxes, remuneration and social security45 | €12,536 | €31,749 | €41,181 | €32,772 | €23,310 | ▼ 28.9% |
| Taxes450/3 | €12,536 | €19,813 | €18,658 | €16,452 | €19,207 | ▲ 16.7% |
| Remuneration and social security454/9 | - | €11,936 | €22,522 | €16,319 | €4,103 | ▼ 74.9% |
| Other amounts payable47/48 | €478 | €2,116 | €3,283 | €253,586 | €269,659 | ▲ 6.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €64,259 | €47,757 | €149,125 | €249,002 | €206,439 | ▼ 17.1% |
| + Depreciation and write-downs630 | €2,263 | €2,703 | €6,298 | €8,471 | €10,797 | ▲ 27.4% |
| Operating cash flow (approximation) | €66,522 | €50,460 | €155,424 | €257,474 | €217,236 | ▼ 15.6% |
| Investment in fixed assets (approximation) | - | -€8,307 | -€17,843 | -€10,912 | -€22,157 | ▼ 103% |
| Change in cash | - | €34,730 | €157,019 | €3,248 | €8,419 | ▲ 159% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 6,713 companies had the same profile as CLOUDAUMATION has now. Two years later, 95.8% were still going and 1.8% had gone bankrupt.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
95.8%
was still going
2.2%
stopped otherwise
1.8%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of CLOUDAUMATION itself is lower: 0.1% within 12 months. It rests on far more data about CLOUDAUMATION than the profile alone.
Test of the method
The method was tested on the 497,446 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 6,713 companies, not a prediction for CLOUDAUMATION. 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.
Filings with the National Bank (5)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 31-03-2026 | 2026-00068309 | |
| 31-12-2024 | micro format | 24-07-2025 | 2025-00304089 | |
| 31-12-2023 | micro format | 08-07-2024 | 2024-00228755 | |
| 31-12-2022 | micro format | 11-07-2023 | 2023-00230936 | |
| 31-12-2021 | micro format | 28-06-2022 | 2022-20157989 |
Board & ownership
Directors
Directors
1 director
Vermeersch Jeffrey
Current
Owners and capital
Owners
Network & group
CLOUDAUMATION shares no director with another company.
Connections & network
1 current directorThe network starts from the directors of CLOUDAUMATION. Every other company they run is a node.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2026
31-03
micro format · 122 days before the deadline
2025
17-10
Gazette deed
Registered office moved from Ghent to LochristiNew seat: Begonialaan 12, 9080 Lochristi · Previous seat: Groenstraat 266J, 9041 Gent2 points ▸
Gazette deed
Registered office moved from Ghent to Lochristi
New seat: Begonialaan 12, 9080 Lochristi · Previous seat: Groenstraat 266J, 9041 Gent2 points ▸
- Board meeting, 18-08-2025
- Registered-office move, Begonialaan 12, 9080 Lochristi
24-07
micro format · 7 days before the deadline
2024
31-12
Financial
Highest result from 2021 to 2025net €249,002 ▲67%
The operating result of €329,076 and the net result of €249,002 are both a record.
08-07
micro format · 23 days before the deadline
2023
31-12
Financial
Equity above €200,000equity €266,141 ▲127%
With a profit in every financial year since 2021, equity grows to €266,141.
11-07
micro format · 20 days before the deadline
2022
31-12
Financial
Weakest financial yearnet €47,757 ▼25.7%
The net result drops to €47,757, the lowest from 2021 to 2025. It recovers the following year.
31-12
Financial
Equity above €100,000equity €117,016 ▲69%
With a profit in every financial year since 2021, equity grows to €117,016.
28-06
micro format · 33 days before the deadline
2020
29-06
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
CLOUDAUMATION in Dutch
Enterprise number
0748.968.177
Legal form
Private limited company
Status
Active, normale toestand
Founded
25-06-2020
Entity type
Legal entity
Registered office and establishments
Registered office
Begonialaan 12, 9080 Lochristi, Belgium
1 former office
- Groenstraat 266J, 9041 Gent until 18-08-2025 · act of 17-10-2025
Establishment unit
CLOUDAUMATION, Begonialaan 12, 9080 Lochristi since 25-06-2020 · unit number 2.304.221.340
E-mail
jeffrey@cloudaumation.com
E-mail
jeffrey@garagejv.be
Activities
NACEBEL 2025VAT activities
62200
Computer consultancy and computer facilities management main activity
69209
Other tax advisory services
Social security (RSZ) activities
62100
Computer programming main activity
Codes under NACEBEL 2008
VAT activities
62020
IT consultancy main activity
69202
Legal and accounting activities
Social security (RSZ) activities
62010
Computer programming, consultancy and related activities main activity
Joint committees
100 Aanvullend Paritair Comité voor de werklieden
200 Aanvullend Paritair Comité voor de bedienden annual accounts 2025
Invoicing and payment
VAT number
BE 0748.968.177
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Sites & property
Location
Buildings and parcels at the address
Ground area
256 m²
Building footprint
140 m²
Building volume
663 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 44034D0789/00Z003 | Flanders | 256 m² | 1 · 140 m² | 9.4 m · 1 |