CluePoints
ActiveSummary
CluePoints has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €8.13M and a net result of €3.57M. Equity is growing by ~15.2% per year across the filed fiscal years. Its solvency ranks better than 36% of 4157 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▼-8
Solvency49▼-35
Growth85=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500k at 30 days acceptable
Liquidity tight (current ratio 1.04 against 3.04 in 2024; short-term debt: 51.2% and cash: 8% of total assets), and 75.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
24.5%
Return on assets
10.8%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 24-07-2026, 7 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
7 d early
2024
16 d early
2023
19 d early
2022
41 d early
2021
31 d early
2020
16 d early
2019
18 d early
← 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema, statutory accounts
Turnover
€50.07M▲ 17.6%
2024 · €42.57M
2022: €15.92M
2023: €25.01M
2024: €42.57M
2022 → 2025
EBIT margin
9.6%▼ 8.7pp
2024 · 18.3%
2022: 2.8%
2023: -1.4%
2024: 18.3%
2022 → 2025
Net result
€3.57M▼ 49.7%
2024 · €7.09M
2018: €388k
2019: €1.56M
2020: €3.50M
2021: €928k
2022: €818k
2023: €-674k
2024: €7.09M
2018 → 2025
Working capital
€649k▼ 95.4%
2024 · €14.07M
2018: €2.43M
2019: €3.23M
2020: €7.40M
2021: €8.40M
2022: €7.58M
2023: €9.54M
2024: €14.07M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€15.92M€25.01M▲ 57.1%€42.57M▲ 70.2%€50.07M▲ 17.6%
Equity€11.19M-€12.01M▲ 7.3%€12.45M▲ 3.6%€20.31M▲ 63.1%€8.13M▼ 60.0%
Operating result€486k-€453k▼ 6.9%€-339k€7.79M€4.80M▼ 38.4%
Net result€928k-€818k▼ 11.8%€-674k€7.09M€3.57M▼ 49.7%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 38% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €33.18M
Fixed assets
€15.55M ▲ 15.3%
Current assets
€17.64M ▼ 15.8%
Equity and liabilities €33.18M
Equity
€8.13M ▼ 60.0%
Provisions
€0 ▼ 100%
Debt
€25.06M ▲ 80.0%
Debt's share of the balance-sheet total rises from 40.4% to 75.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€14.79M▼
2024 · €15.66M
Cash flow
€13.56M▼
2024 · €14.96M
Current ratio
1.04▼
2024 · 3.04
Debt to equity
3.08▲
2024 · 0.69
ROE
43.9%▲
2024 · 34.9%
ROA
10.8%▼
2024 · 20.6%
Interest coverage
98.70▼
2024 · 138.89
Debt ≤ 1 year
€16.99M▲
2024 · €6.88M
Income taxes
€-991k▼
2024 · €1.44M
Staff costs
€14.50M▲
2024 · €13.28M
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 83 lines
Balance sheet
Code20242025
Assets
Total assets20/58€34.42M€33.18M▼
Fixed assets21/28€13.48M€15.55M▲
Intangible fixed assets21€12.62M€14.57M▲
Tangible fixed assets22/27€476k€653k▲
Plant, machinery and equipment23€102k€107k▲
Furniture and vehicles24€366k€546k▲
Assets under construction and advance payments27€7k-
Financial fixed assets28€377k€320k▼
Affiliated companies280/1€104k€104k=
Participating interests280€104k€104k=
Other financial fixed assets284/8€273k€215k▼
Amounts receivable and cash guarantees285/8€273k€215k▼
Current assets29/58€20.95M€17.64M▼
Amounts receivable after more than one year29€573k€763k▲
Other amounts receivable291€573k€763k▲
Amounts receivable within one year40/41€4.59M€9.54M▲
Trade receivables40€4.33M€6.03M▲
Other amounts receivable41€252k€3.51M▲
Cash at bank and in hand54/58€14.30M€2.65M▼
Deferred charges and accrued income490/1€1.48M€4.68M▲
Equity and liabilities
Total equity and liabilities10/49€34.42M€33.18M▼
Equity10/15€20.31M€8.13M▼
Contributions10/11€7.45M€7.45M=
Capital10€6.72M€6.72M=
Issued capital100€6.72M€6.72M=
Outside capital11€735k€735k=
Share premium1100/10€735k€735k=
Reserves13€672k€672k=
Non-distributable reserves130/1€672k€672k=
Legal reserve130€672k€672k=
Profit (loss) carried forward14€12.18M-
Provisions and deferred taxes16€196k-
Provisions for liabilities and charges160/5€196k-
Other liabilities and charges164/5€196k-
Amounts payable17/49€13.92M€25.06M▲
Amounts payable after more than one year17€107k-
Trade debts175€107k-
Suppliers1750€107k-
Amounts payable within one year42/48€6.88M€16.99M▲
Current portion of amounts payable after more than one year42€124k€107k▼
Financial debts43-€227k
Other loans439-€227k
Trade debts44€3.79M€5.04M▲
Suppliers440/4€3.79M€5.04M▲
Taxes, remuneration and social security45€2.85M€2.87M▲
Taxes450/3€662k€408k▼
Remuneration and social security454/9€2.19M€2.47M▲
Other amounts payable47/48€115k€8.75M▲
Accrued charges and deferred income492/3€6.93M€8.07M▲
Income statement
Code20242025
Operating income70/76A€53.73M€62.47M▲
Turnover70€42.57M€50.07M▲
Own construction capitalised72€10.20M€11.77M▲
Other operating income74€964k€634k▼
Operating charges60/66A€45.94M€57.67M▲
Services and other goods61€24.56M€33.19M▲
Remuneration, social security and pensions62€13.28M€14.50M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7.87M€9.99M▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€196k€-196k▼
Other operating charges640/8€41k€32k▼
Non-recurring operating charges66A€257€151k▲
Operating profit (loss)9901€7.79M€4.80M▼
Financial income75/76B€1.08M€244k▼
Recurring financial income75€1.08M€244k▼
Income from financial fixed assets750€536€24k▲
Income from current assets751€11k€35k▲
Other financial income752/9€1.07M€185k▼
Financial charges65/66B€345k€2.47M▲
Recurring financial charges65€345k€2.47M▲
Debt charges650€113k€150k▲
Other financial charges652/9€232k€2.32M▲
Profit (loss) for the period before taxes9903€8.53M€2.58M▼
Income taxes67/77€1.44M€-991k▼
Taxes670/3€1.47M€66k▼
Tax adjustments and reversals of tax provisions77€39k€1.06M▲
Profit (loss) for the period9904€7.09M€3.57M▼
Profit (loss) for the period to be appropriated9905€7.09M€3.57M▼
Appropriation of the result
Profit (loss) to be appropriated9906€12.53M€15.75M▲
Profit (loss) brought forward from the previous period14P€5.44M€12.18M▲
Transfer to equity691/2€350k-
To the legal reserve6920€350k-
Profit to be distributed694/7-€15.75M
Return on contributions (dividend)694-€15.75M
Social balance
Average headcount (FTE)9087113.3135.2▲
The notes to these accounts (60 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · consolidated
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Back to profitnet €7.09M
Net result €7.09M after one loss-making year.
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Weakest financial yearnet €-674k ▼182%
Net result drops to €-674k, the lowest in the series; recovery starts the following year.
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Equity above €10MEq €10.27M ▲86.3%
3 profitable years in a row build equity to €10.27M.
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Equity above €5MEq €5.51M ▲39.4%
2 profitable years in a row build equity to €5.51M.
13-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
18 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, Ottignies-Louvain-la-Neuve · 1 establishment unit since 2012
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.
Avenue Albert Einstein 2A1348 Ottignies-Louvain-la-NeuveGround area
9,117 m²
Building footprint
1,399 m²
Volume, LiDAR
16,303 m³
Parcel 25384B0019/00F000, Wallonia · tallest building 13.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Cluepoints
since 20122.216.406.151
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25384B0019/00F000 | Wallonia | 9,116 m² | 1 · 1,399 m² | 13.5 m · 4 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
PHARMACIES SERVAIS
BE 0453.242.495
Wavre · Eq €7.89M
MOES
BE 0473.330.504
Heers · Eq €7.47M
APOVLAM
BE 0458.904.030
Ieper · Eq €7.03M
Apotheek Hulsbosch
BE 0879.969.548
Hamont-Achel · Eq €6.81M
INVEDA
BE 0432.969.891
Oostende · Eq €6.64M
Of 5,220 companies in sector 47730 we hold annual accounts for 3,861. 528 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded25-10-2012
Fiscal year end31-12
Activities, NACEBEL 2025
47730Retail sale of pharmaceutical products
73200Market research and public opinion polling
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.