White Clementine
ActiveWhite Clementine has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €162k and a net result of €-3k. Equity is growing by ~3.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 6974 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability16▼-2
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 40.91; short-term debt: 2.4% and cash: 8.1% of total assets), and 2.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 filingsDeviation from the deadline
2025
50 d early
2024
on the day
2023
30 d early
2022
52 d early
2021
52 d early
2020
31 d early
2019
39 d early
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€162k▼ 2.0%
2024 · €165k
2018: €99k
2019: €144k
2020: €177k
2021: €195k
2022: €213k
2023: €187k
2024: €165k
2018 → 2025
Total assets
€166k▼ 0.6%
2024 · €167k
2018: €99k
2019: €149k
2020: €206k
2021: €229k
2022: €213k
2023: €189k
2024: €167k
2018 → 2025
Net result
€-3k▼ 126%
2024 · €-1k
2018: €37k
2019: €46k
2020: €33k
2021: €17k
2022: €18k
2023: €-3k
2024: €-1k
2018 → 2025
Working capital
€156k▼ 2.0%
2024 · €159k
2018: €82k
2019: €128k
2020: €161k
2021: €188k
2022: €204k
2023: €180k
2024: €159k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€195k-€213k▲ 9.3%€187k▼ 12.2%€165k▼ 11.5%€162k▼ 2.0%
Operating result€26k-€27k▲ 4.3%€-3k€-4k▼ 33.3%€-6k▼ 60.7%
Net result€17k-€18k▲ 4.2%€-3k€-1k▲ 49.5%€-3k▼ 126%
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 €6k in 2025 against €4k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €166k
Fixed assets
€6k▼ 4.1%
Current assets
€160k▼ 0.5%
Equity and liabilities €166k
Equity
€162k▼ 2.0%
Debt
€4k▲ 153%
The debt ratio rises from 0.9% to 2.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-6k▼
2024 · €-4k
Cash flow
€-3k▼
2024 · €-1k
Solvency
97.6%▼
2024 · 99.1%
Current ratio
40.91
Quick ratio
40.91
Debt / equity
0.02▲
2024 · 0.01
ROE
-2.1%▼
2024 · -0.9%
ROA
-2.0%▼
2024 · -0.9%
Interest coverage
-104.86▼
2024 · -1.23
Debt
€4k▲
2024 · €2k
Debt ≤ 1 year
€4k▲
2024 · €2k
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€167k€166k▼
Fixed assets21/28€7k€6k▼
Tangible fixed assets22/27€7k€6k▼
Land and buildings22€2k€2k▼
Plant, machinery and equipment23€5k€5k=
Current assets29/58€160k€160k▼
Amounts receivable within one year40/41€23k€24k▲
Other amounts receivable41€23k€24k▲
Current investments50/53€98k€122k▲
Cash at bank and in hand54/58€38k€13k▼
Equity and liabilities
Total equity and liabilities10/49€167k€166k▼
Equity10/15€165k€162k▼
Contributions10/11€6k€6k=
Reserves13€163k€163k=
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€161k€163k▲
Profit (loss) carried forward14€-4k€-7k▼
Amounts payable17/49€2k€4k▲
Amounts payable within one year42/48€2k€4k▲
Trade debts44-€2k
Suppliers440/4-€2k
Taxes, remuneration and social security45€2k€2k=
Taxes450/3€2k€2k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€272€272=
Other operating charges640/8€505€520▲
Gross operating margin9900€-3k€-6k▼
Operating profit (loss)9901€-4k€-6k▼
Financial income75/76B€7k€3k▼
Recurring financial income75€7k€3k▼
Financial charges65/66B€3k€57▼
Recurring financial charges65€3k€57▼
Profit (loss) for the period before taxes9903€149€-3k▼
Income taxes67/77€2k-
Profit (loss) for the period9904€-1k€-3k▼
Profit (loss) for the period to be appropriated9905€-1k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€-7k▼
Profit (loss) brought forward from the previous period14P€-3k€-4k▼
Transfer from equity791/2€20k-
Profit to be distributed694/7€20k-
Return on contributions (dividend)694€20k-
The notes to these accounts (4 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
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-3k
Net result drops to €-3k, the lowest in the series.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
09-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity times 111current ratio 709.08
Current ratio from 6.41 to 709.08; short-term debt falls from €35k to €288.
31-12
Financial
Equity above €200kEq €213k ▲9.3%
5 profitable years in a row build equity to €213k.
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €150kEq €177k ▲22.8%
3 profitable years in a row build equity to €177k.
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €46k ▲23.2%
Operating result €54k, net result €46k, both a record.
31-12
Financial
Equity above €100kEq €144k ▲46.5%
2 profitable years in a row build equity to €144k.
12-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Boortmeerbeek · 1 establishment unit since 2015
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.
Bieststraat 923191 BoortmeerbeekGround area
994 m²
Building footprint
245 m²
Volume, LiDAR
1,314 m³
Parcel 24039A0443/00W000, Flanders · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bieststraat 92, 3191 Boortmeerbeek
since 20152.246.895.330
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24039A0443/00W000 | Flanders | 994 m² | 1 · 245 m² | 7.2 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.
Recognitions · licences · registrations
Legal Entity Identifier
875500LCH8PDLRQW6H53
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Of 13,425 companies in sector 73300 we hold annual accounts for 6,901. 5,407 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-10-2015
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
70200Business and other management consultancy
70220Business consulting
73110Advertising agencies
82990Other business support services
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.