Cloudpepper
ActiveCloudpepper has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €29k and a net result of €8k. Its solvency ranks better than 35% of 1892 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
78
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency81▼-8
Growth52
Stability94
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 8.78 against 7.0 in 2024), but 62.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 63
Relative position
BE, all sectors
reference
Sector 63
lower
← fewer bankruptcies
more bankruptcies →
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
37.8%
Return on assets
9.8%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filingsDeviation from the deadline
2025
28 d late
2024
30 d late
← before the deadline
after the deadline →
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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€29k▲ 35.2%
2024 · €22k
2024: €22k
2024 → 2025
Total assets
€78k▲ 59.6%
2024 · €49k
2024: €49k
2024 → 2025
Net result
€8k▼ 61.2%
2024 · €20k
2024: €20k
2024 → 2025
Working capital
€67k▲ 66.5%
2024 · €40k
2024: €40k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€22k-€29k▲ 35.2%
Operating result€33k-€29k▼ 14.1%
Net result€20k-€8k▼ 61.2%
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 14% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €78k
Fixed assets
€2k▲ 20.2%
Current assets
€76k▲ 61.1%
Equity and liabilities €78k
Equity
€29k▲ 35.2%
Debt
€49k▲ 79.2%
The debt ratio rises from 55.4% to 62.2%: debt grows faster than equity.
Key figures and ratios
Solvency
37.8%▼
2024 · 44.6%
Current ratio
8.78▲
2024 · 7.00
Quick ratio
8.78▲
2024 · 7.00
Debt / equity
1.65▲
2024 · 1.24
ROE
26.1%▼
2024 · 90.8%
ROA
9.8%▼
2024 · 40.5%
Debt
€49k▲
2024 · €27k
Debt ≤ 1 year
€9k▲
2024 · €7k
Income taxes
€2k▼
2024 · €5k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€49k€78k▲
Fixed assets21/28€2k€2k▲
Financial fixed assets28€2k€2k▲
Current assets29/58€47k€76k▲
Amounts receivable within one year40/41€11k€6k▼
Trade receivables40€8k-
Other amounts receivable41€4k€6k▲
Cash at bank and in hand54/58€36k€69k▲
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€49k€78k▲
Equity10/15€22k€29k▲
Contributions10/11€2k€2k=
Reserves13€20k€27k▲
Distributable reserves133€20k€27k▲
Amounts payable17/49€27k€49k▲
Amounts payable within one year42/48€7k€9k▲
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Advances received on contracts in progress46€598-
Taxes, remuneration and social security45€5k€7k▲
Taxes450/3€5k€7k▲
Accrued charges and deferred income492/3€20k€40k▲
Income statement
Code20242025
Other operating charges640/8€877€941▲
Gross operating margin9900€34k€30k▼
Operating profit (loss)9901€33k€29k▼
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€10k€21k▲
Recurring financial charges65€10k€21k▲
Profit (loss) for the period before taxes9903€25k€10k▼
Income taxes67/77€5k€2k▼
Profit (loss) for the period9904€20k€8k▼
Profit (loss) for the period to be appropriated9905€20k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€20k€8k▼
Transfer to equity691/2€20k€8k▼
To other reserves6921€20k€8k▼
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
NBB filing
Directors · office · real estate
Directors
2 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, Etterbeek · 1 establishment unit since 2023
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Witte Patersstraat 41040 EtterbeekGround area
3,170 m²
Building footprint
2,221 m²
Volume, LiDAR
21,757 m³
Parcel 21363B0348/00A002, Brussels · tallest building 12.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Cloudpepper
since 20232.366.994.394
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21363B0348/00A002 | Brussels | 3,170 m² | 1 · 2,221 m² | 12.0 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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BE 0791.645.110
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WAVEBYTES
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GARY THOMAS IT CONSULTING
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Of 2,714 companies in sector 63100 we hold annual accounts for 1,267. 834 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-07-2023
Fiscal year end31-12
Activities, NACEBEL
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
58290Other software publishing
62010Computer programming, consultancy and related activities
62020IT consultancy
62030Computer programming, consultancy and related activities
62900Other information technology and computer services
62100Computer programming
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.