Skip to content

MULTI CLEVER TRADE

Active
Private limited companyfounded 201412 years activeRue de la Légende 49, 4141 Sprimont, BelgiumKBO/BCE: BE 0562.952.168
Summary

MULTI CLEVER TRADE has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €760,679 and a net result of €4.0m. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 19% of 4,922 sector peers (NACE 47, fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).

Overview

Activity
Other non-specialised retail sale
NACE 47120Retail sale of clothing and accessories for women, men, children and babies (general range) NACE 47716
#1 employer in Sprimont, Wholesale and retail trade sector4 sites
Size
€22.3mturnover 2025
Staff
45.5 FTE
Equity
€760,679
Profit
€4.0m
Financial health
81 Excellent Checked score 2025
Bankruptcy probability, 12 months
0.5%
Structure
Auditor: Baker Tilly Audit, Comptabilité, ConseilAccounts 50 days early1 of 10 deeds read
Why 81- Equity €760,679 (8.9% of total assets)- Sector Retail trade (NACE 47)+ Size: turnover €22.3m, 45.5 FTE, total assets €8.5m+ Founded in 2014Show the evidence

Checked score

Score 2025
81 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 38% of its sector peers (NACE 47, small)
Financial strength · tick = 2024
Average
Solvency 34-13
equity 8.9% of total assets
Liquidity 10-12
short-term debt 88.7% · cash 7.1%
Profitability 100=
return on assets 46.3%
Bankruptcy probability, 12 months
0.5% Very low
0%0.5%1.5%4%10%≥ 25%

About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (3,686 companies)
Last 24 months 11-2024: 0.7% 12-2024: 0.7%● unchanged vs 11-2024 01-2025: 0.7%● unchanged vs 12-2024 02-2025: 0.7%● unchanged vs 01-2025 03-2025: 0.6%▼ -0.1 percentage points vs 02-2025 04-2025: 0.6%● unchanged vs 03-2025 05-2025: 0.8%▲ +0.2 percentage points vs 04-2025 06-2025: 0.8%● unchanged vs 05-2025 07-2025: 0.9%▲ +0.1 percentage points vs 06-2025highest value 08-2025: 0.5%▼ -0.4 percentage points vs 07-2025 09-2025: 0.3%▼ -0.2 percentage points vs 08-2025 10-2025: 0.3%● unchanged vs 09-2025 11-2025: 0.3%● unchanged vs 10-2025 12-2025: 0.3%● unchanged vs 11-2025 01-2026: 0.3%● unchanged vs 12-2025 02-2026: 0.3%● unchanged vs 01-2026lowest value 03-2026: 0.3%● unchanged vs 02-2026lowest value 04-2026: 0.3%● unchanged vs 03-2026 05-2026: 0.3%● unchanged vs 04-2026 06-2026: 0.3%● unchanged vs 05-2026 07-2026: 0.5%▲ +0.2 percentage points vs 06-2026 08-2026: 0.5%● unchanged vs 07-2026 09-2026: 0.5%● unchanged vs 08-2026 10-2026: 0.5%● unchanged vs 09-2026
Credit up to €60,000 at 30 days acceptable
Liquidity short (current ratio 0.89 against 1.06 in 2024; short-term debt: 88.7% and cash: 7.1% of total assets), and 91.1% of the assets are financed with debt.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, small): better than 21% on solvency, 8% on liquidity, 98% on profitability and 24% on growth.

The bankruptcy probability was computed on 06-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Six signals.
−lowers risk+raises risk○neutral
raises risk · Equity €760,679 (8.9% of total assets)
NBB · annual accounts
lowers risk · Size: turnover €22.3m, 45.5 FTE, total assets €8.5m
The company's size counts in the probability; how much depends on the rest of its profile.
NBB · annual accounts
lowers risk · Founded in 2014
How long the company has existed counts in the probability; how much depends on the rest of its profile.
KBO
raises risk · Sector Retail trade (NACE 47)
KBO
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 4922 sector peers (2025).
NBB · sector comparison
Position among 4922 sector peers
Solvency
better than 19%
← 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 11-06-2026, 50 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
50 days early
2024
13 days early
2023
49 days early
2022
45 days early
2021
44 days early
2020
32 days early
2019
82 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 22 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

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. Usually files around 16 June (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
07-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Checked from 2021 on.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · full…
  2. Reappointment: Baker Tilly Audit, Comptabilité, Conseil…State Gazette act
  3. Annual accounts filedfiscal year 2024 · unclassified…

Key points

  • Positive: Employer in Sprimont, Wholesale and retail trade sectorin the Checked rankings #1 View
  • Caution: Equity fell in 2025from €1.8m to €760,679 ▼ 57.8% View
  • Positive: 8 profitable years in a rowprofit 2025: €4.0m 8 years View
  • Positive: Always filed on timeaccounts within the deadline every year 6 years View

By topic

Financials

Fiscal year
2025
Turnover
€22.3m
Profit
€4.0m
Solvency
8.9%
Turnover▼ 2.1%
Net result
20222025
Go to Financials

Timeline

Events
16
Since
2017
Next accounts
by 31-07-2027
  1. 31-12-2024Equity above €1m
  2. 12-06-2024Annual accounts filed
  3. 16-06-2023Annual accounts filed
Go to Timeline

Company details

Sites
4
Legal form
Private limited company
Activity
Other non-specialised retail saleNACE 47120
Founded
24-09-2014
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Go further with this company

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.