DE CLEM
ActiveDE CLEM has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €39k and a net result of €-23k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 38% of 18237 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
38
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability4▲+4
Solvency45▼-5
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity tight (current ratio 1.12 against 1.3 in 2024; short-term debt: 76% and cash: 6.5% of total assets), and 79.6% 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
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 · 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 →
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
20.4%
Return on assets
-12.1%
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
1819202122232425
2018 to 2025 · latest year €-23k
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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
16 d early
2023
13 d early
2022
30 d late
2021
29 d late
2020
61 d late
2019
70 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€39k▼ 37.3%
2024 · €63k
2018: €60k
2019: €23k
2020: €36k
2021: €53k
2022: €107k
2023: €126k
2024: €63k
2018 → 2025
Total assets
€193k▼ 23.9%
2024 · €254k
2018: €317k
2019: €280k
2020: €283k
2021: €272k
2022: €307k
2023: €284k
2024: €254k
2018 → 2025
Net result
€-23k▲ 62.6%
2024 · €-63k
2018: €-13k
2019: €-37k
2020: €13k
2021: €16k
2022: €54k
2023: €19k
2024: €-63k
2018 → 2025
Working capital
€18k▼ 63.1%
2024 · €50k
2018: €26k
2019: €9k
2020: €52k
2021: €86k
2022: €136k
2023: €125k
2024: €50k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€53k-€107k▲ 103%€126k▲ 17.7%€63k▼ 49.9%€39k▼ 37.3%
Operating result€23k-€91k▲ 296%€104k▲ 13.3%€-48k€-10k▲ 79.3%
Net result€16k-€54k▲ 234%€19k▼ 65.1%€-63k€-23k▲ 62.6%
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 €10k in 2025 against €48k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €193k
Fixed assets
€28k▼ 27.7%
Current assets
€165k▼ 23.2%
Equity and liabilities €193k
Equity
€39k▼ 37.3%
Debt
€154k▼ 19.4%
The debt ratio rises from 75.2% to 79.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€874▲
2024 · €-37k
Cash flow
€-13k▲
2024 · €-52k
Solvency
20.4%▼
2024 · 24.8%
Current ratio
1.12▼
2024 · 1.30
Quick ratio
0.37▼
2024 · 0.60
Debt / equity
3.90▲
2024 · 3.04
ROE
-59.5%▲
2024 · -99.7%
ROA
-12.1%▲
2024 · -24.7%
Interest coverage
0.06▲
2024 · -2.47
Debt
€154k▼
2024 · €191k
Debt ≤ 1 year
€147k▼
2024 · €166k
Debt > 1 year
€6k▼
2024 · €25k
Income taxes
€28▼
2024 · €195
Staff costs
€90k▼
2024 · €93k
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€254k€193k▼
Fixed assets21/28€39k€28k▼
Tangible fixed assets22/27€39k€28k▼
Land and buildings22€31k€23k▼
Plant, machinery and equipment23€8k€5k▼
Furniture and vehicles24€472€59▼
Financial fixed assets28€50€50=
Current assets29/58€215k€165k▼
Stocks and contracts in progress3€116k€111k▼
Stocks30/36€116k€111k▼
Amounts receivable within one year40/41€38k€15k▼
Trade receivables40€8k€1k▼
Other amounts receivable41€30k€14k▼
Current investments50/53€26k€20k▼
Cash at bank and in hand54/58€35k€13k▼
Deferred charges and accrued income490/1€919€7k▲
Equity and liabilities
Total equity and liabilities10/49€254k€193k▼
Equity10/15€63k€39k▼
Contributions10/11€23k€23k=
Reserves13€103k€103k=
Distributable reserves133€103k€103k=
Profit (loss) carried forward14€-63k€-86k▼
Amounts payable17/49€191k€154k▼
Amounts payable after more than one year17€25k€6k▼
Financial debts170/4€25k€6k▼
Amounts payable within one year42/48€166k€147k▼
Current portion of amounts payable after more than one year42€18k€19k▲
Financial debts43€8k€0▼
Credit institutions430/8€8k€0▼
Trade debts44€52k€31k▼
Suppliers440/4€52k€31k▼
Taxes, remuneration and social security45€14k€15k▲
Taxes450/3€195€203▲
Remuneration and social security454/9€13k€15k▲
Other amounts payable47/48€73k€83k▲
Accrued charges and deferred income492/3€541€639▲
Income statement
Code20242025
Remuneration, social security and pensions62€93k€90k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k▼
Other operating charges640/8€1k€3k▲
Gross operating margin9900€57k€94k▲
Operating profit (loss)9901€-48k€-10k▲
Financial income75/76B€22€23▲
Recurring financial income75€22€23▲
Financial charges65/66B€15k€14k▼
Recurring financial charges65€15k€14k▼
Profit (loss) for the period before taxes9903€-63k€-23k▲
Income taxes67/77€195€28▼
Profit (loss) for the period9904€-63k€-23k▲
Profit (loss) for the period to be appropriated9905€-63k€-23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-63k€-86k▼
Profit (loss) brought forward from the previous period14P-€-63k
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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-63k ▼432%
Net result drops to €-63k, the lowest in the series; recovery starts the following year.
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Highest result since 2018net €54k ▲234%
Net result €54k, the highest in the series.
31-12
Financial
Equity above €100kEq €107k ▲103%
3 profitable years in a row build equity to €107k.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
31-12
Financial
Back to profitnet €13k
Net result €13k after 2 loss-making years.
09-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 70 days late
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Kasterlee · 1 establishment unit since 1994
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.
Retiesebaan 272460 KasterleeGround area
235 m²
Building footprint
135 m²
Volume, LiDAR
809 m³
Parcel 13017G0537/00H006, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Retiesebaan 27, 2460 Kasterlee
since 19942.069.431.751
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13017G0537/00H006 | Flanders | 235 m² | 1 · 135 m² | 10.4 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 2 entries · 480 EUR awarded · 480 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 240 EUR | 240 EUR |
| 2022 | 1 | 240 EUR | 240 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 site · 1 with a smileyKasterlee2.069.431.751
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SACHI
BE 0766.651.178
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G.T.I.
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TERRABIO
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Of 10,525 companies in sector 47110 we hold annual accounts for 5,860. 4,563 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-12-1994
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47113Retail trade
52113
Sources
Crossroads Bank for EnterprisesNational Bank · 31 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.