CLEVER BUILD
ActiveCLEVER BUILD has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €586k and a net result of €188k. Equity is growing by ~98.4% per year across the filed fiscal years. Its solvency ranks better than 57% of 2272 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89=
Solvency75▼-8
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 1.99 against 2.51 in 2024; short-term debt: 48.2% and cash: 5.8% of total assets), but 50.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 82
Relative position
BE, all sectors
reference
Sector 82
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
49.8%
Return on assets
16%
Age of the figures
9 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 30-07-2026, 1 day ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
1 d early
2024
14 d early
2023
5 d early
2022
7 d early
2021
19 d early
2020
33 d early
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€586k▲ 47.4%
2024 · €398k
2019: €13k
2020: €19k
2021: €71k
2022: €146k
2023: €288k
2024: €398k
2019 → 2025
Total assets
€1.18M▲ 70.7%
2024 · €690k
2019: €41k
2020: €26k
2021: €222k
2022: €328k
2023: €639k
2024: €690k
2019 → 2025
Net result
€188k▲ 71.1%
2024 · €110k
2019: €7k
2020: €6k
2021: €52k
2022: €75k
2023: €142k
2024: €110k
2019 → 2025
Working capital
€563k▲ 40.8%
2024 · €400k
2019: €10k
2020: €14k
2021: €68k
2022: €151k
2023: €291k
2024: €400k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€71k-€146k▲ 106%€288k▲ 97.3%€398k▲ 38.3%€586k▲ 47.4%
Operating result€74k-€99k▲ 34.0%€196k▲ 98.6%€156k▼ 20.7%€266k▲ 70.4%
Net result€52k-€75k▲ 43.9%€142k▲ 89.3%€110k▼ 22.4%€188k▲ 71.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 70% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.18M
Fixed assets
€48k▲ 83.7%
Current assets
€1.13M▲ 70.2%
Equity and liabilities €1.18M
Equity
€586k▲ 47.4%
Debt
€592k▲ 102%
The debt ratio rises from 42.4% to 50.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€272k▲
2024 · €161k
Cash flow
€195k▲
2024 · €115k
Solvency
49.8%▼
2024 · 57.6%
Current ratio
1.99▼
2024 · 2.51
Quick ratio
1.34▼
2024 · 2.39
Debt / equity
1.01▲
2024 · 0.74
ROE
32.1%▲
2024 · 27.7%
ROA
16.0%▲
2024 · 16.0%
Interest coverage
19.29▼
2024 · 27.87
Debt
€592k▲
2024 · €292k
Debt ≤ 1 year
€567k▲
2024 · €264k
Debt > 1 year
€24k▼
2024 · €28k
Income taxes
€71k▲
2024 · €43k
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€690k€1.18M▲
Fixed assets21/28€26k€48k▲
Tangible fixed assets22/27€26k€48k▲
Furniture and vehicles24€2k€22k▲
Other tangible fixed assets26€24k€26k▲
Current assets29/58€664k€1.13M▲
Amounts receivable after more than one year29€43k€43k=
Other amounts receivable291€43k€43k=
Stocks and contracts in progress3€33k€370k▲
Stocks30/36€33k€370k▲
Amounts receivable within one year40/41€443k€642k▲
Trade receivables40€427k€620k▲
Other amounts receivable41€16k€21k▲
Cash at bank and in hand54/58€138k€69k▼
Deferred charges and accrued income490/1€8k€7k▼
Equity and liabilities
Total equity and liabilities10/49€690k€1.18M▲
Equity10/15€398k€586k▲
Contributions10/11€6k€6k=
Reserves13€392k€580k▲
Non-distributable reserves130/1€336€336=
Reserves not available under the articles1311€336€336=
Distributable reserves133€391k€580k▲
Amounts payable17/49€292k€592k▲
Amounts payable after more than one year17€28k€24k▼
Financial debts170/4€28k€24k▼
Amounts payable within one year42/48€264k€567k▲
Current portion of amounts payable after more than one year42€4k€4k▲
Financial debts43-€155k
Credit institutions430/8-€155k
Trade debts44€125k€170k▲
Suppliers440/4€125k€170k▲
Taxes, remuneration and social security45€135k€239k▲
Taxes450/3€135k€239k▲
Other amounts payable47/48€640€0▼
Accrued charges and deferred income492/3€0€308▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€7k▲
Other operating charges640/8€787€17k▲
Gross operating margin9900€162k€289k▲
Operating profit (loss)9901€156k€266k▲
Financial income75/76B€3k€7k▲
Recurring financial income75€3k€7k▲
Financial charges65/66B€6k€14k▲
Recurring financial charges65€6k€14k▲
Profit (loss) for the period before taxes9903€153k€259k▲
Income taxes67/77€43k€71k▲
Profit (loss) for the period9904€110k€188k▲
Profit (loss) for the period to be appropriated9905€110k€188k▲
Appropriation of the result
Profit (loss) to be appropriated9906€110k€188k▲
Transfer to equity691/2€110k€188k▲
To other reserves6921€110k€188k▲
The notes to these accounts (12 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2019net €188k ▲71.1%
Operating result €266k, net result €188k, both a record.
31-12
Financial
Equity above €500kEq €586k ▲47.4%
7 profitable years in a row build equity to €586k.
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €288k ▲97.3%
5 profitable years in a row build equity to €288k.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €146k ▲106%
4 profitable years in a row build equity to €146k.
12-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €6k ▼13.6%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 2.97
Current ratio from 1.36 to 2.97; short-term debt falls from €29k to €7k.
09-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 70 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, Hasselt · 1 establishment unit since 2018
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.
Bijvennestraat 183500 HasseltGround area
1,926 m²
Building footprint
46 m²
Parcel 71322B0544/00L000, Flanders. Linked by address, not a title deed.
1 establishment unit
CLEVER BUILD
since 20182.275.534.777
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71322B0544/00L000 | Flanders | 1,926 m² | 1 · 46 m² | - |
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.
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CIGAL DEVELOPPEMENT
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Hamaco
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Truncus Wealth
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Of 24,503 companies in sector 82990 we hold annual accounts for 9,402. 5,599 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded20-03-2018
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.