CLUWAY
ActiveCLUWAY has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €33k and a net result of €-12k. Equity is shrinking by ~2.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 12690 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 56.42 against 38.88 in 2024; short-term debt: 1.7% and cash: 7.6% of total assets), and 1.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
98.3%
Return on assets
-35.2%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
2122232425
2021 to 2025 · latest year €-12k
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 06-07-2026, 25 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
25 d early
2024
25 d late
2023
19 d late
2022
19 d late
2021
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€33k▼ 26.4%
2024 · €45k
2021: €13k
2022: €61k
2023: €83k
2024: €45k
2021 → 2025
Total assets
€34k▼ 27.0%
2024 · €46k
2021: €29k
2022: €87k
2023: €93k
2024: €46k
2021 → 2025
Net result
€-12k▲ 68.5%
2024 · €-38k
2021: €11k
2022: €48k
2023: €22k
2024: €-38k
2021 → 2025
Working capital
€32k▼ 26.1%
2024 · €44k
2021: €13k
2022: €58k
2023: €81k
2024: €44k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€13k-€61k▲ 372%€83k▲ 36.8%€45k▼ 45.5%€33k▼ 26.4%
Operating result€14k-€61k▲ 321%€30k▼ 49.9%€-38k€-11k▲ 71.1%
Net result€11k-€48k▲ 321%€22k▼ 53.3%€-38k€-12k▲ 68.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €11k in 2025 against €38k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €34k
Fixed assets
€902▼ 36.4%
Current assets
€33k▼ 26.7%
Equity and liabilities €34k
Equity
€33k▼ 26.4%
Debt
€585▼ 49.5%
The debt ratio falls from 2.5% to 1.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-10k▲
2024 · €-37k
Cash flow
€-11k▲
2024 · €-37k
Solvency
98.3%▲
2024 · 97.5%
Current ratio
56.42▲
2024 · 38.88
Quick ratio
56.42▲
2024 · 38.88
Debt / equity
0.02▼
2024 · 0.03
ROE
-35.8%▲
2024 · -83.6%
ROA
-35.2%▲
2024 · -81.5%
Interest coverage
-7.35▲
2024 · -15.98
Debt
€585▼
2024 · €1k
Debt ≤ 1 year
€585▼
2024 · €1k
Income taxes
€79▼
2024 · €183
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€46k€34k▼
Fixed assets21/28€1k€902▼
Tangible fixed assets22/27€1k€902▼
Furniture and vehicles24€1k€902▼
Current assets29/58€45k€33k▼
Amounts receivable within one year40/41€37k€30k▼
Trade receivables40€0€306▲
Other amounts receivable41€37k€30k▼
Cash at bank and in hand54/58€7k€3k▼
Deferred charges and accrued income490/1€921€0▼
Equity and liabilities
Total equity and liabilities10/49€46k€34k▼
Equity10/15€45k€33k▼
Contributions10/11€2k€2k=
Reserves13€44k€32k▼
Distributable reserves133€44k€32k▼
Amounts payable17/49€1k€585▼
Amounts payable within one year42/48€1k€585▼
Trade debts44€418€0▼
Suppliers440/4€418€0▼
Advances received on contracts in progress46-€369
Taxes, remuneration and social security45€740€216▼
Taxes450/3€740€216▼
Other amounts payable47/48€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€517€517=
Other operating charges640/8€1k€701▼
Gross operating margin9900€-36k€-10k▲
Operating profit (loss)9901€-38k€-11k▲
Financial income75/76B€2k€483▼
Recurring financial income75€2k€483▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€-38k€-12k▲
Income taxes67/77€183€79▼
Profit (loss) for the period9904€-38k€-12k▲
Profit (loss) for the period to be appropriated9905€-38k€-12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-38k€-12k▲
Transfer from equity791/2€38k€12k▼
Transfer to equity691/2€0-
To other reserves6921€0-
The notes to these accounts (9 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Weakest financial yearnet €-38k ▼269%
Net result drops to €-38k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity quadruplescurrent ratio 38.88
Current ratio from 9.13 to 38.88; short-term debt falls from €10k to €1k.
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
31-12
Financial
Liquidity triplescurrent ratio 9.13
Current ratio from 3.20 to 9.13; short-term debt falls from €26k to €10k.
19-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 19 days late
2022
31-12
Financial
Highest result since 2021net €48k ▲321%
Operating result €61k, net result €48k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Brussel · 1 establishment unit since 2021
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.
de Cipletstraat 51020 BrusselGround area
74 m²
Building footprint
74 m²
Volume, LiDAR
1,010 m³
Parcel 21815D0263/00E008, Brussels · tallest building 17.5 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
CLUWAY
since 20212.322.189.403
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21815D0263/00E008 | Brussels | 74 m² | 1 · 74 m² | 17.4 m · 5 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.
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Of 2,763 companies in sector 69109 we hold annual accounts for 1,209. 879 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-08-2021
Fiscal year end31-12
Abbreviation NL
UWAYO CLEMENT
Activities, NACEBEL
69109Other legal services
82100Office administrative and support services
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.