CLEAR Horizons

Active

Private limited companyfounded 2023active for 2 yearsChaussée de Bruxelles 462, 1300 Wavre, BelgiumKBO/BCE: BE 1002.875.971

From the official registers: KBO 3 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

CLEAR Horizons is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (-€6,254) and a net result of €7,639. Equity is shrinking by about 49% per year across the filed financial years. Its solvency ranks better than 5% of 77 sector peers (NACE 65, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.

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CLEAR HorizonsActive

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Official details

KBO

Status: Active since 01-12-2023 Normal situation
Legal form: Private limited company
Registered office: Chaussée de Bruxelles 462, 1300 Wavre
Activity: Insurance, reinsurance and pension funding, except compulsory social security NACE 65200and 1 other
Establishment unit: 2.352.439.347 1300 Wavre, since 01-12-2023
Financial year end: 31 December
Peppol: Not found in the Peppol Directory

Company details

Who decides

Board

MORREY John SimonDirector · since 01-12-2023

Board & ownership

How it is doing

Financial institution: outside the modelBankruptcy probability: sector outside the model

Annual accounts 2025

Profit: €7,639
Equity: -€6,254; ▲ 55.0%
Total assets: €2,523; ▼ 31.3%

2025 accounts on time

Filed on 31-07-2026at the National Bank

Financials

Signalsraises riskWeak solvency vs sectorYoung companyneutralLatest accounts filed on timeShow the evidence

Checked score

Outside the general model

Model not applicable to financial institutions

The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.

Bankruptcy probability, 12 months

This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.

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Signals

Three signals.

raises riskneutral

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 77 sector peers (2025).

NBB · sector comparison

Position among 77 sector peers

Solvency

better than 5%

← weakest strongest →

Young company

Founded in 2023, 2 years ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.

KBO · incorporation date

Age against the risk zone

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

on the day

2024

29 days late

2023

26 days late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 18 days after the deadline; the sector median (NACE 65) for financial year 2024 is 29 days before the deadline, and 28% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 27 August (3 of the last 3 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

01-11-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since incorporation in 2023.

KBO publications · our coverage

Key points

Risk: Negative equityfinancial year 2025: debts exceed assets -€6,254 View
Caution: Among the weakest 5% on solvencysector median 48.8% · 77 companies -247.9% View

Documents

Annual accounts at the NBB

Annual accounts 2025filed on 31-07-2026
Annual accounts 2024filed on 29-08-2025
Annual accounts 2023filed on 26-08-2024

Acts in the Belgian Official Gazette

Incorporationact of 05-12-2023

All publications in the Belgian Official Gazette

Articles and registers

Coordinated articles of associationnotaries' database
Entry in the KBO registerKBO Public Search

Key facts about CLEAR Horizons

What is the company number of CLEAR Horizons?: 1002.875.971. In Belgium the VAT number is the company number with BE in front: BE 1002.875.971.
Where is CLEAR Horizons based?: The registered office is at Chaussée de Bruxelles 462, 1300 Wavre.Company details
What does CLEAR Horizons do?: According to the KBO register, the main activity is insurance, reinsurance and pension funding, except compulsory social security (NACE 65200).
What is the legal form of CLEAR Horizons?: Private limited company (BV).
When was CLEAR Horizons founded?: On 01-12-2023.
Is CLEAR Horizons still active?: Yes, CLEAR Horizons is an active enterprise in the KBO register.
What is the turnover of CLEAR Horizons?: ≈ €60,000 in financial year 2025. Estimated from the gross margin of €7,797: probably between €27,000 and €140,000, based on 6,331 comparable companies of the same size. A rough estimate.Financials
Is CLEAR Horizons profitable?: In financial year 2025, CLEAR Horizons made a profit of €7,639.
Where can I find the annual accounts of CLEAR Horizons?: CLEAR Horizons filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of CLEAR Horizons due?: By 31-07-2027, for financial year 2026.Timeline