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CLOUDFACTORY

Active
Private limited companyfounded 2025active for 1 yearNobels-Peelmanstraat 10, 9100 Sint-Niklaas, BelgiumKBO/BCE: BE 1021.610.037
Summary

CLOUDFACTORY has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €250,461 and a net result of €461. Its solvency ranks better than 28% of 21,080 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Overview

Activity
Computer programming
NACE 62100
1 site
Size
€802,253total assets 2025
Equity
€250,461
Profit
€461
Turnover not published (micro format)
Financial health
91 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Structure
Parent
CDM Invest · 100%
Board
4 members
  • VERGEZICHTManaging director · permanent representative Valentijn Verheije
2025 accounts 1 day early
Why 91raises riskFounded in 2025lowers riskSector: Computer programming, consultancy and related activities (NACE 62)Size: total assets €802,253Figures for financial year 2025 (filed 30-07-2026)Show the evidence

Checked score

Score 2025
91 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 30% of its sector peers (NACE 62, micro)
Financial strength
Average
Solvency 56
equity 31.2% of total assets
Liquidity 56
short-term debt 10.2% · cash 5.0%
Profitability 55
return on assets 0.1%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (25,887 companies, NACE 62, micro)
Last 24 months 04-2026: 0.4% 05-2026: 0.4%● unchanged vs 04-2026 06-2026: 0.4%● unchanged vs 05-2026 07-2026: 0.4%● unchanged vs 06-2026highest value 08-2026: 0.1%▼ -0.3 percentage points vs 07-2026lowest value 09-2026: 0.1%● unchanged vs 08-2026 10-2026: 0.1%● unchanged vs 09-2026
Credit of up to €22,000 on 30-day terms, only on tighter conditions: young company (under 3 years) without a track record
Liquidity insufficient (current ratio 0.59, below 1; short-term debt: 10.2% and cash: 5% of total assets), and 68.8% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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): better than 29% on solvency, 38% on liquidity and 23% on profitability.

The bankruptcy probability was computed on 27-10-2026 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

Credit check for your own amount and term

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Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Sector: Computer programming, consultancy and related activities (NACE 62)
KBO
lowers risk · Size: total assets €802,253
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Founded in 2025
Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.
KBO
lowers risk · Figures for financial year 2025 (filed 30-07-2026)
NBB · annual accounts
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 30-07-2026, 1 day ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
1 day early
← before the deadline after the deadline →
Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since incorporation in 2025.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Appointment: Vergezicht BV (director)Permanent representative: Valentijn Verheije
  3. Resignation: Niels Van Cauteren (director)Director discharge · Power of…

Financials · financial year 2025, micro format

Equity
€250,461
Total assets
€802,253
Net result
€461
Working capital
-€33,531

Turnover and EBIT margin not published: the micro format does not require them.

Balance-sheet composition
Assets €802,253
Fixed assets €754,189
Current assets €48,064
Equity and liabilities €802,253
Equity €250,461
Debt €551,792
Debt finances 68.8% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€40,883
Cash flow
€31,415
Current ratio
0.59
Debt to equity
2.20
ROE
0.2%
ROA
0.1%
Interest coverage
4.32
Debt ≤ 1 year
€81,595
Debt > 1 year
€465,476

Peer companies

Historical observation

Of the 23,016 companies that looked in July 2024 the way this one looks now, 0.3% went bankrupt within 24 months and 96.0% are still going.

  • Small
  • solvency 30% or more
  • a profit under 5% of the balance sheet
  • without age
0.3% went bankrupt
3.5% stopped otherwise
96.0% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.1% 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 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to 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%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% 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 23,016 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
Filed annual accounts As filed with the NBB · 2025 · 35 lines
Balance sheet Code2025
Assets
Total assets20/58€802,253
Fixed assets21/28€754,189
Intangible fixed assets21€754,189
Current assets29/58€48,064
Amounts receivable within one year40/41€2,870
Trade receivables40€2,870
Cash at bank and in hand54/58€40,417
Deferred charges and accrued income490/1€4,776
Equity and liabilities
Total equity and liabilities10/49€802,253
Equity10/15€250,461
Contributions10/11€250,000
Reserves13€461
Distributable reserves133€461
Amounts payable17/49€551,792
Amounts payable after more than one year17€465,476
Financial debts170/4€465,476
Amounts payable within one year42/48€81,595
Current portion of amounts payable after more than one year42€59,524
Trade debts44€17,154
Suppliers440/4€17,154
Taxes, remuneration and social security45€4,917
Taxes450/3€4,917
Accrued charges and deferred income492/3€4,721
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30,954
Other operating charges640/8€810
Gross operating margin9900€41,693
Operating profit (loss)9901€9,929
Financial charges65/66B€9,468
Recurring financial charges65€9,468
Profit (loss) for the period before taxes9903€461
Profit (loss) for the period9904€461
Profit (loss) for the period to be appropriated9905€461
Appropriation of the result
Profit (loss) to be appropriated9906€461
Transfer to equity691/2€461
To other reserves6921€461

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30,954
Other operating charges640/8€810
Gross operating margin9900€41,693
Operating profit (loss)9901€9,929
Financial charges65/66B€9,468
Recurring financial charges65€9,468
Profit (loss) for the period before taxes9903€461
Profit (loss) for the period9904€461
Profit (loss) for the period to be appropriated9905€461
Line2025
Assets
Total assets20/58€802,253
Fixed assets21/28€754,189
Intangible fixed assets21€754,189
Current assets29/58€48,064
Amounts receivable within one year40/41€2,870
Trade receivables40€2,870
Cash at bank and in hand54/58€40,417
Deferred charges and accrued income490/1€4,776
Equity and liabilities
Total equity and liabilities10/49€802,253
Equity10/15€250,461
Contributions10/11€250,000
Reserves13€461
Distributable reserves133€461
Amounts payable17/49€551,792
Amounts payable after more than one year17€465,476
Financial debts170/4€465,476
Amounts payable within one year42/48€81,595
Current portion of amounts payable after more than one year42€59,524
Trade debts44€17,154
Suppliers440/4€17,154
Taxes, remuneration and social security45€4,917
Taxes450/3€4,917
Accrued charges and deferred income492/3€4,721
Line2025
Profit (loss) for the period9904€461
+ Depreciation and write-downs630€30,954
Operating cash flow (approximation)€31,415

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Filings with the National Bank (1)
Financial year Type Filed Reference
31-12-2025 micro format 30-07-2026 2026-00357046

Similar companies · same sector, comparable size

Of the 16,994 active companies whose main activity is computer programming (NACE 62100), figures are known for 8,983. 6,487 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector

Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.

Directors

Directors
4 directors, 1 in day-to-day management, no change since 2026

Board 4

CDM Invest
Director · since 26-03-2025 · Legal entity · permanent representative: CLOOSTERMANS-HUWAERT Thibault
Current
FOUBERT Jan
Director · since 26-03-2025
Current
SINTUBIN Christophe
Director · since 26-03-2025
Current
VERGEZICHT
Director · since 16-06-2026 · Private limited company · permanent representative: Valentijn Verheije
Current

Day-to-day management 1

VERGEZICHT
Managing director · since 16-06-2026 · Private limited company · permanent representative: Valentijn Verheije
Current

Permanent representatives 2

CLOOSTERMANS-HUWAERT Thibault
Permanent representative · since 26-03-2025 · for CDM Invest
Current
Valentijn Verheije
Permanent representative · since 16-06-2026 · for VERGEZICHT
Current
Derived from published Gazette deeds. The KBO keeps the official list of office holders; we do not read it, so the two can differ. See the directors and other office holders in the KBO →

Mandate history

5 people since 2025, 4 in office
Show
  • Board
  • Day-to-day management
Mandates per person, with start and end dates
Name Functions and periods
CDM Invest
  • Director, from 26-03-2025 to date
FOUBERT Jan
  • Director, from 26-03-2025 to date
SINTUBIN Christophe
  • Director, from 26-03-2025 to date
VERGEZICHT
  • Director, from 16-06-2026 to date
  • Managing director, from 16-06-2026 to date
VAN CAUTEREN Niels
  • Director, from 26-03-2025 to 18-02-2026
See the board, name and registered office on a given date →

Owners and capital

Owners

1 owner

Chain of control

  1. CDM Invest 100%
  2. CLOUDFACTORY

Highest known parent: CDM Invest. The sources do not say who stands above it.

Owners 1

Sources: the companies' annual accounts, the acts in the Belgian Official Gazette and the LEI register. Annual accounts state the shareholders that notified the company under article 7:225 of the Code of Companies and Associations and the parent companies that consolidate it. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not include these statements in its annual accounts, or does not have to, is not listed.

Capital and shareholders

Shareholders according to the deeds
At incorporation act of 01-04-2025 ↗

The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.

Capital over the years
  1. 01-04-2025 Incorporation · 100 shares

Group and network

Connections & network

4 current directors
Depth

The board mandates are listed below; here you explore them as a network.

This company Company Director Shareholding +N: links not shown yet Click a node to look further, drag to arrange, zoom with the mouse wheel.

History

CLOUDFACTORY was incorporated on 28 March 2025 as a private limited company by CDM Invest and three natural persons.12 The board currently has 4 members; 3 of them have served since 2025.2 The company has filed annual accounts once, for financial year 2025.3

  1. 1KBO register
  2. 2Belgian Official Gazette, 01-04-2025
  3. 3National Bank, annual accounts 2025

Acts, filings and financial milestones

2026
30-07
NBB filing Annual accounts filed
financial year 2025 · micro format
29-06
Gazette deed Appointment: Vergezicht BV (director)
Permanent representative: Valentijn Verheije6 facts ▸
  • General meeting, 16-06-2026
  • Director appointment, Vergezicht BV (director)
  • Permanent representative, Valentijn Verheije
  • Other provision, “verbodsbepaling voor uitoefenen mandaat, niet getroffen” (deed in Dutch) (2 times)
  • Board meeting, 16-06-2026
  • Director appointment, Vergezicht BV (managing director)
02-03
Gazette deed Resignation: Niels Van Cauteren (director)
Director discharge · Power of attorney4 facts ▸
  • General meeting, 18-02-2026
  • Director resignation, Niels Van Cauteren (director)
  • Director discharge, Niels Van Cauteren
  • Power of attorney, Adriaan Dauwe
2025
01-04
Gazette deed Incorporation
Appointments: FOUBERT Jan, SINTUBIN Christophe and 2 others · Permanent representative: CLOOSTERMANS-HUWAERT Thibault · Registered office clause17 facts ▸
  • Incorporation, 26-03-2025
  • Registered office clause, “9100 Sint-Niklaas, Nobels-Peelmanstraat 10” (deed in Dutch)
  • Board composition, CLOUDFACTORY
  • Director appointment, FOUBERT Jan (director)
  • Director appointment, SINTUBIN Christophe (director)
  • Director appointment, VAN CAUTEREN Niels (director)
  • Director appointment, CDM Invest (director)
  • Permanent representative, CLOOSTERMANS-HUWAERT Thibault (2 times)
  • Pre-incorporation commitments, “takeover, all commitments and obligations arising therefrom and all activities undertaken in name and for account of company in formation” (deed in Dutch)
  • Founder, FOUBERT Jan
  • Founder, SINTUBIN Christophe
  • Founder, VAN CAUTEREN Niels
  • +5 further facts in this act
Gazette deedNBB filing
3 of 3 deeds read

Register details

Identification
Legal formPrivate limited company
Founded28-03-2025
Financial year end31-12
Activities, NACEBEL 2025
62100Computer programming
62200Computer consultancy and computer facilities management
62900Other information technology and computer services
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID 0208:1021610037
Registered 01-10-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 28 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.

Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.

Sites & property

Location & real-estate footprint
Registered office, Sint-Niklaas · 1 establishment unit since 2025
registered office establishment approximate The establishment unit on the map
Ground area
999 m²
Building footprint
395 m²
Building volume
851 m³
Parcel 46021A0804/00F004, Flanders · tallest building 4.7 m. Linked by address, not a title deed.
1 establishment unit
CLOUDFACTORY
Nobels-Peelmanstraat 10, 9100 Sint-NiklaasComputer programming
since 2025unit no. 2.372.624.057
1 parcel
Flanders 1 (100%)
Cadastral parcel Region Area Buildings Height / floors
46021A0804/00F004indicative Flanders 999 m² 1 · 395 m² 4.7 m · 1
How the parcels are linked
Good to know
0 of 1 parcel with an exact address match; the rest are indicative.

Articles of association

What the company does

PurposeThe activities the company may carry out under its articles.
“Ontwikkeling, commercialisering en implementatie van softwareoplossingen voor slimme planning, route-optimalisatie en automatisering…” (deed in Dutch)
8 activities (deed in Dutch)
  1. Ontwikkeling, commercialisering en implementatie van softwareoplossingen voor slimme planning, route-optimalisatie en automatisering, waaronder specifiek toepassingen in mobiele horeca, zorgsector, logistiek en andere sectoren waar efficiënte organisatie noodzakelijk is
  2. Aanbieden van Software-as-a-Service (SaaS) diensten
  3. Adviesverlening, consultancy en trainingen gerelateerd aan software en digitalisering
  4. Het verwerven, beheren, exploiteren en vervreemden van intellectuele eigendomsrechten
  5. Participeren in andere ondernemingen, met name door het verwerven van aandelen of andere effecten, het aangaan van samenwerkingsverbanden of joint ventures
  6. Financiële transacties en beleggingen die ondersteunend zijn aan de hoofddoelstellingen van de vennootschap
  7. Het verwerven, beheren en vervreemden van onroerende goederen en andere zakelijke rechten
  8. Alle handelingen van financiële, commerciële, industriële of onroerende aard die rechtstreeks of onrechtstreeks bijdragen tot de realisatie van het hoofddoel

The full purpose is in the deed

DurationHow long the company exists; usually unlimited, so until it is dissolved.
Unlimited
Name clauseThe name the company operates under according to its articles.
CLOUDFACTORY BV
Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
“Vlaamse Gewest, bestuursorgaan bevoegd tot verplaatsing binnen België zonder statutenwijziging tenzij taalregime wijzigt of zetel naar ander…” (deed in Dutch)

deed of 01-04-2025

Who represents it, and how

Board ruleHow the board is made up, meets and takes decisions.
“Met of zonder beperking van duur, collegiaal orgaan, raad van bestuur” (deed in Dutch)
1 more provision on this in the deed

deed of 01-04-2025

Capital, shares and profit

Kind of sharesWhich classes of shares exist and what rights each class carries.
“Op naam, rechten uitgeoefend door erfgenamen of legatarissen naar evenredigheid tot verdeling of afgifte legaten” (deed in Dutch)

deed of 01-04-2025

Meetings and financial year

Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
First Friday of June at 14:00

deed of 01-04-2025

Oversight and winding up

Statutory auditorA statutory auditor is a registered auditor who checks the accounts; small companies need not have one. According to the deed, the legal criteria do not require one here.
No statutory auditor

deed of 01-04-2025

Other provisionsOther rules from the articles that fall under none of the themes above.

1 more provision in the deed, see the deed of 29-06-2026
1 more provision in the deed, see the deed of 01-04-2025