CLYVER
ActiveCLYVER has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €317k and a net result of €12k. Equity is shrinking by ~8.5% per year across the filed fiscal years. Its solvency ranks better than 13% of 8647 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
49
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability30▲+8
Solvency32▲+1
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity short (current ratio 0.1 against 0.26 in 2024; short-term debt: 62% and cash: 0% of total assets), and 93.2% 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 70
Relative position
BE, all sectors
reference
Sector 70
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
6.8%
Return on assets
0.3%
Age of the figures
9 mo
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 8647 sector peers (2025).
NBB · sector comparisonPosition among 8647 sector peers
Solvency
better than 13%
← 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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
61 d late
2023
68 d late
2022
84 d late
2021
89 d late
2020
90 d late
2019
88 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€12k
2024 · €-92k
2018: €60k
2019: €35k
2020: €12k
2021: €150k
2022: €40k
2023: €-368k
2024: €-92k
2018 → 2025
Working capital
€-2.63M▲ 8.5%
2024 · €-2.87M
2018: €-2.28M
2019: €-2.10M
2020: €-2.07M
2021: €-2.20M
2022: €-2.59M
2023: €-2.73M
2024: €-2.87M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€725k-€765k▲ 5.5%€397k▼ 48.1%€305k▼ 23.2%€317k▲ 4.1%
Operating result€255k-€26k▼ 89.8%€82k▲ 214%€49k▼ 39.9%€71k▲ 44.5%
Net result€150k-€40k▼ 73.3%€-368k€-92k▲ 74.9%€12k
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 45% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.70M
Fixed assets
€4.41M▼ 1.1%
Current assets
€287k▼ 71.8%
Equity and liabilities €4.70M
Equity
€317k▲ 4.1%
Debt
€4.38M▼ 15.3%
The debt ratio falls from 94.4% to 93.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€119k▲
2024 · €96k
Cash flow
€60k▲
2024 · €-45k
Solvency
6.8%▲
2024 · 5.6%
Current ratio
0.10▼
2024 · 0.26
Quick ratio
0.10▼
2024 · 0.26
Debt / equity
13.81▼
2024 · 16.96
ROE
3.9%▲
2024 · -30.3%
ROA
0.3%▲
2024 · -1.7%
Interest coverage
1.34▲
2024 · 0.68
Debt
€4.38M▼
2024 · €5.17M
Debt ≤ 1 year
€2.91M▼
2024 · €3.89M
Debt > 1 year
€1.47M▲
2024 · €1.27M
Income taxes
€-30k▼
2024 · €276
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€5.48M€4.70M▼
Fixed assets21/28€4.46M€4.41M▼
Tangible fixed assets22/27€604k€556k▼
Land and buildings22€592k€548k▼
Plant, machinery and equipment23€750-
Furniture and vehicles24€11k€8k▼
Financial fixed assets28€3.86M€3.86M=
Current assets29/58€1.02M€287k▼
Amounts receivable within one year40/41€1.01M€287k▼
Trade receivables40€520k€190k▼
Other amounts receivable41€486k€97k▼
Cash at bank and in hand54/58€150€47▼
Deferred charges and accrued income490/1€12k€204▼
Equity and liabilities
Total equity and liabilities10/49€5.48M€4.70M▼
Equity10/15€305k€317k▲
Contributions10/11€440k€440k=
Reserves13€6k€6k=
Distributable reserves133€6k€6k=
Profit (loss) carried forward14€-141k€-128k▲
Amounts payable17/49€5.17M€4.38M▼
Amounts payable after more than one year17€1.27M€1.47M▲
Financial debts170/4€1.27M€1.47M▲
Amounts payable within one year42/48€3.89M€2.91M▼
Financial debts43€1.38M€1.28M▼
Credit institutions430/8€1.38M€1.28M▼
Trade debts44€150k€128k▼
Suppliers440/4€150k€128k▼
Advances received on contracts in progress46€603k-
Taxes, remuneration and social security45€244k€152k▼
Taxes450/3€244k€152k▼
Other amounts payable47/48€1.51M€1.35M▼
Accrued charges and deferred income492/3€11k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€47k€48k▲
Other operating charges640/8€31k€16k▼
Gross operating margin9900€127k€135k▲
Operating profit (loss)9901€49k€71k▲
Financial income75/76B€1€1=
Recurring financial income75€1€1=
Financial charges65/66B€141k€89k▼
Recurring financial charges65€141k€89k▼
Profit (loss) for the period before taxes9903€-92k€-17k▲
Income taxes67/77€276€-30k▼
Profit (loss) for the period9904€-92k€12k▲
Profit (loss) for the period to be appropriated9905€-92k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-141k€-128k▲
Profit (loss) brought forward from the previous period14P€-48k€-141k▼
The notes to these accounts (7 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €12k
Net result €12k after 2 loss-making years.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 61 days late
2024
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 68 days late
2023
31-12
Financial
Weakest financial yearnet €-368k ▼1019%
Net result drops to €-368k, the lowest in the series; recovery starts the following year.
23-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 84 days late
2022
28-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 89 days late
2021
31-12
Financial
Highest result since 2018net €150k ▲1106%
Operating result €255k, net result €150k, both a record.
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 90 days late
2020
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 88 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 59 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 60 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, Ukkel · 1 establishment unit since 2009
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.
Floréallaan 1561180 UkkelGround area
1,333 m²
Building footprint
460 m²
Volume, LiDAR
7,085 m³
2 parcels, Brussels · tallest building 21.7 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Wiertzstraat 27, 1050 Elsene
since 20092.177.729.677
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21442A0026/00Z008 | Brussels | 963 m² | 1 · 207 m² | 21.7 m · 5 fl. |
| 21016B0215/00Y002 | Brussels | 370 m² | 1 · 252 m² | 20.5 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
METTLE TRAIL
BE 0803.479.506
Leuven · Eq €317k
DAVID FONTEYN
BE 0780.964.519
Boortmeerbeek · Eq €317k
Conceptosaurus
BE 0762.605.090
Antwerpen · Eq €317k
AV2
BE 1000.758.995
Steenokkerzeel · Eq €317k
G8 Consult
BE 0521.984.912
Schilde · Eq €317k
Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 37,793 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-03-2009
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:cyg@gosselin-sa.com
Phone:+33231711500
Fax:+33231711503