Checked.be
Active
BE 0747.879.896Private limited company
CLEVER IDEAS
Rue Sainte-Anne(M) 188 ·7110 La Louvière, Belgium· 6 yrs active
Sector: Public relations and communication consultancy
(73300)
Conclusion
CLEVER IDEAS has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5k and a net result of €6k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 25% of 6848 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Based on the State Gazette, CBE and 6 annual accounts.
Key figures
| Equity | €5k |
| Net result | €6k |
| Better than sector | 25% |
| Active | 6 yrs |
Financial profile
68
/ 100
Strong profile, led by profitability.
All 5 axes are computed from data Checked has read.
Health
56
Profitability
100
Solvency
28
Growth
58
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
More than 3 years active
Founded in 2020, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
56
/ 100
Fair
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€500
estimate, not credit advice
Score history
70
2020
100
2021
52
2022
100
2023
52
2024
56
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 0.99 (< 1.0)
-10
Leverage
Debt/equity 3.72 (> 3.0)
-10
Profitability
ROE 134% (≥ 10%)
+10
Interest coverage
Interest coverage 11.7× (≥ 3×)
+8
Profit trend
Net profit up YoY
+5
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 05-08-2026 with the NBB · fiscal year 2025 · micro schema
Sector comparison
Fiscal year 2025 · NACE 73, Advertising, market research and public relations activities · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 21.2% | 54.5% | |
| Net result | €6k | €14k | |
| Equity | €5k | €61k | |
| Gross operating margin | €13k | €37k | |
| Total assets | €21k | €139k |
€12k
-
20-25
€6k
-
20-25
€8k
-
20-25
€21k
+154.1%
20-25
€5k
+1.7%
20-25
€-199
-
20-25
€4k
+1684.1%
20-25
€6k
-
20-25
€17k
+325.6%
20-25
€17k
+325.6%
20-25
0.99
-41.9%
20-25
0.99
-41.9%
20-25
21.2%
-60.0%
20-25
3.72
+318.4%
20-25
134.5%
-
20-25
28.5%
-
20-25
11.73
-
20-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - | - |
| EBITDA | €12k | €-19k | €20k | €-10k | €17k |
| Net profit | €6k | €-21k | €15k | €-11k | €16k |
| Cash flow | €8k | €-20k | €16k | €-10k | €16k |
| Staff costs | - | - | - | - | - |
| Income taxes | €4k | €200 | €4k | - | €399 |
| Dividends | €6k | - | - | - | - |
| Total assets | €21k | €8k | €38k | €14k | €33k |
| Equity | €5k | €4k | €25k | €11k | €22k |
| Debt | €17k | €4k | €12k | €3k | €11k |
| of which ≤ 1y | €17k | €4k | €12k | €3k | €11k |
| of which > 1y | - | - | - | - | - |
| Working capital | €-199 | €3k | €22k | €7k | €17k |
| Employees (FTE) | - | - | - | - | - |
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Current ratio | 0.99 | 1.70 | 2.80 | 3.09 | 2.58 |
| Quick ratio | 0.99 | 1.70 | 2.80 | 3.09 | 2.58 |
| Working capital ratio | -0.9% | 32.9% | 59.6% | 49.2% | 52.3% |
| Solvency | 21.2% | 53.0% | 66.9% | 75.6% | 66.4% |
| Debt / equity | 3.72 | 0.89 | 0.50 | 0.32 | 0.51 |
| Long-term debt ratio | - | - | - | - | - |
| Interest coverage | 11.73 | -106.57 | 110.26 | -45.99 | 132.57 |
| Gross margin | - | - | - | - | - |
| Net margin | - | - | - | - | - |
| ROA | 28.5% | -246.2% | 38.8% | -80.0% | 50.2% |
| ROE | 134.5% | -464.9% | 58.1% | -105.8% | 75.5% |
| EBITDA margin | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - |
| Days inventory (DSI) | - | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (22 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €21k | €8k | €38k | €14k | €33k |
| Fixed assets | 21/28 | €5k | €2k | €3k | €4k | €5k |
| Tangible fixed assets | 22/27 | €5k | €2k | €3k | €4k | €5k |
| Financial fixed assets | 28 | €100 | €100 | €100 | €100 | - |
| Current assets | 29/58 | €17k | €7k | €35k | €10k | €28k |
| Amounts receivable within one year | 40/41 | €1k | €5k | €440 | €33 | €12k |
| Cash & bank | 54/58 | €15k | €960 | €34k | €10k | €16k |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €21k | €8k | €38k | €14k | €33k |
| Equity | 10/15 | €5k | €4k | €25k | €11k | €22k |
| Contributions / capital | 10/11 | €2k | €2k | €2k | €2k | €2k |
| Accumulated profits (losses) | 14 | €3k | €2k | €23k | €9k | €20k |
| Amounts payable | 17/49 | €17k | €4k | €12k | €3k | €11k |
| Amounts payable within one year | 42/48 | €17k | €4k | €12k | €3k | €11k |
| Trade debts payable within one year | 44 | €2k | €1k | €2k | €1k | €2k |
| Income statement | ||||||
| Gross operating margin | 9900 | €13k | €-19k | €21k | €-9k | €17k |
| Operating result | 9901 | €11k | €-20k | €19k | €-11k | €17k |
| Financial income | 75 | €3 | - | €4 | €0 | - |
| Financial charges | 65 | €1k | €180 | €181 | €214 | €128 |
| Result before taxes | 9903 | €10k | €-20k | €19k | €-11k | €17k |
| Income taxes | 67/77 | €4k | €200 | €4k | - | €399 |
| Net result for the period | 9904 | €6k | €-21k | €15k | €-11k | €16k |
| Result to be appropriated | 9905 | €6k | €-21k | €15k | €-11k | €16k |
Legal Structure
| NACE primary | Public relations and communication consultancy(73300) |
| Legal form | Private limited company(610) |
| Incorporation | 04-06-2020 |
| Status | Active |
| Postal code | 7110 |
Establishment units
Clever Ideas
since 20202.303.317.458
Real-estate footprint
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55026A0107/00F000 | Wallonia | 972 m² | 1 · 105 m² | - |
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.
Updates
Next filing, fiscal year 2026, expected by
2026
05-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 5 days late
03-06
State Gazette act
Open capture
General meeting · Seat change · Power of attorney · Act object
2025
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
09-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 40 days late
2024
31-12
Financial
Weakest financial yearnet €-21k ▼242%
Net result drops to €-21k, the lowest in the series; recovery starts the following year.
09-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 9 days late
2023
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
09-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 9 days late
2022
15-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 15 days late
2021
31-12
Financial
Highest result since 2020net €16k ▲396%
Net result €16k, the highest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
08-06
State Gazette act
Incorporation
oprichting
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Belgisch Staatsblad, acts
Address history · 1
03-06-2026
Seat change: new_address: Rue Sainte-Anne 188, 7110 Maurage, old_address: Rue Lait beurré 107, 7110 Houdeng-Goegnies, effective_date: 2026-03-24
All acts · 2
updated 3 months ago
2026
03-06-2026 General meeting · Seat change · Power of attorney · Act object
- General meeting: date: 2026-04-07, type: Assemblée générale extraordinaire · CLEVER IDEAS
- Seat change: new_address: Rue Sainte-Anne 188, 7110 Maurage, old_address: Rue Lait beurré 107, 7110 Houdeng-Goegnies, effective_date: 2026-03-24 · CLEVER IDEAS
- Power of attorney: date: 2026-04-07, scope: accomplir les actes nécessaires à la publication dans les Annexes du Moniteur belge de la présente décision, en ce compris procéder à la signature des formulaires de publication · CLEVER IDEAS
- Filing: date: 2026-05-26, court: Tribunal de l'entreprise du Hainaut, Division Mons · CLEVER IDEAS
- Publication: date: 2026-06-03, publication: Bijlagen bij het Belgisch Staatsblad - 03/06/2026 · CLEVER IDEAS
- Act object: Transfert de siège social
Summary:
General meeting · Seat change · Power of attorney · Act object
Technical details
{
"facts": [
{
"type": "general_meeting",
"quote": "Proc\u00E8s-verbal de l\u0027Assembl\u00E9e g\u00E9n\u00E9rale extraordinaire du 7 avril 2026",
"value": {
"date": "2026-04-07",
"type": "Assembl\u00E9e g\u00E9n\u00E9rale extraordinaire"
},
"object": null,
"subject": "e1"
},
{
"type": "seat_change",
"quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale extraordinaire, \u00E0 l\u0027unanimit\u00E9, d\u00E9cide de transf\u00E9rer le si\u00E8ge situ\u00E9 Rue Lait beurr\u00E9 107, 7110 Houdeng-Goegnies \u00E0 l\u0027adresse suivante: Rue Sainte-Anne 188, 7110 Maurage \u00E0 dater du 24 mars 2026.",
"value": {
"new_address": "Rue Sainte-Anne 188, 7110 Maurage",
"old_address": "Rue Lait beurr\u00E9 107, 7110 Houdeng-Goegnies",
"effective_date": "2026-03-24"
},
"object": null,
"subject": "e1"
},
{
"type": "power_of_attorney",
"quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale donne procuration \u00E0 l\u0027ASBL UCM Guichet d\u0027entreprises, num\u00E9ro d\u0027entreprise 0480.411.504 dont le si\u00E8ge social est situ\u00E9 \u00E0 5100 Namur (Wierde), Chauss\u00E9e de Marche, 637, ainsi qu\u0027\u00E0 toute personne travaillant pour l\u0027ASBL UCM Guichet d\u0027entreprises afin d\u0027accomplir les actes n\u00E9cessaires \u00E0 la publication dans les Annexes du Moniteur belge de la pr\u00E9sente d\u00E9cision, en ce compris proc\u00E9der \u00E0 la signature des formulaires de publication.",
"value": {
"date": "2026-04-07",
"scope": "accomplir les actes n\u00E9cessaires \u00E0 la publication dans les Annexes du Moniteur belge de la pr\u00E9sente d\u00E9cision, en ce compris proc\u00E9der \u00E0 la signature des formulaires de publication"
},
"object": "e4",
"subject": "e1"
},
{
"type": "filing",
"quote": "Tribunal de l\u0027entreprise du Hainaut, 26 MAI 2026 DivisonMons",
"value": {
"date": "2026-05-26",
"court": "Tribunal de l\u0027entreprise du Hainaut, Division Mons"
},
"object": null,
"subject": "e1"
},
{
"type": "publication",
"quote": "Bijlagen bij het Belgisch Staatsblad - 03/06/2026 - Annexes du Moniteur belge",
"value": {
"date": "2026-06-03",
"publication": "Bijlagen bij het Belgisch Staatsblad - 03/06/2026"
},
"object": null,
"subject": "e1"
},
{
"type": "act_object",
"quote": "Objet de l\u0027acte: Transfert de si\u00E8ge social",
"value": "Transfert de si\u00E8ge social",
"object": null,
"subject": null
}
],
"act_meta": {
"model_id": 40,
"extractor": "open-capture-27b-v3",
"ocr_chars": 2001,
"truncated": false,
"needs_verify": true
},
"entities": [
{
"id": "e1",
"kbo": "0747.879.896",
"kind": "company",
"name": "CLEVER IDEAS",
"attrs": {
"new_seat": "Rue Sainte-Anne 188, 7110 Maurage",
"old_seat": "Rue Lait Beurr\u00E9(H-G), 107 \u00E0 7110 La Louvi\u00E8re",
"legal_form": "Soci\u00E9t\u00E9 \u00E0 responsabilit\u00E9 limit\u00E9e"
}
},
{
"id": "e2",
"kbo": null,
"kind": "person",
"name": "Ludovic Urgeghe",
"attrs": {
"role": "Administrateur",
"shareholding": "80%"
}
},
{
"id": "e3",
"kbo": null,
"kind": "person",
"name": "Gerardina Curcio",
"attrs": {
"role": "Associ\u00E9e active",
"shareholding": "20%"
}
},
{
"id": "e4",
"kbo": "0480.411.504",
"kind": "org",
"name": "ASBL UCM Guichet d\u0027entreprises",
"attrs": {
"seat": "5100 Namur (Wierde), Chauss\u00E9e de Marche, 637"
}
},
{
"id": "e5",
"kbo": null,
"kind": "person",
"name": "Aline JOSIS",
"attrs": {
"role": "Mandataire"
}
}
]
}2020
08-06-2020 Incorporation of a new SRL
Summary:
oprichting
Technical details
{
"kind": "oprichting",
"seat": "Rue Lait Beurr\u00E9 107, 7110 Houdeng-Goegnies",
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"founders": [
{
"org": null,
"kind": "natural_person",
"person": {
"dob": "1983-05-19",
"name": "Ludovic URGEGHE",
"niss": null,
"address": "7110 Houdeng-Goegnies (La Louvi\u00E8re), rue Lait Beurr\u00E9, 107"
},
"share_class": "Ordinary",
"partner_role": null,
"holder_org_kbo": null,
"holder_org_name": null,
"contribution_type": "cash",
"amount_paid_in_eur": 1600,
"holder_person_name": "Ludovic URGEGHE",
"is_subscriber_only": false,
"n_shares_subscribed": 80,
"amount_subscribed_eur": 1600,
"is_anonymous_silent_partner": false
},
{
"org": null,
"kind": "natural_person",
"person": {
"dob": "1983-02-27",
"name": "Gerardina CURCIO",
"niss": null,
"address": "7110 Houdeng-Goegnies (La Louvi\u00E8re), rue Lait Beurr\u00E9, 107"
},
"share_class": "Ordinary",
"partner_role": null,
"holder_org_kbo": null,
"holder_org_name": null,
"contribution_type": "cash",
"amount_paid_in_eur": 400,
"holder_person_name": "Gerardina CURCIO",
"is_subscriber_only": false,
"n_shares_subscribed": 20,
"amount_subscribed_eur": 400,
"is_anonymous_silent_partner": false
}
],
"capital_eur": 2000,
"subject_company": {
"kbo": "0747.879.896",
"name_full": "CLEVER IDEAS",
"legal_form": "SRL"
},
"initial_directors": [],
"incorporation_date": "2020-05-28",
"post_incorporation_mandates": []
}Credit advice
Company registry (CBE)
Activities
Activities of head offices; management consultancy activities70210Public relations and communication consultancy73300Business and other management consultancy70200Business consulting70220Advertising agencies73110
Names & trade names
| Legal nameFR | CLEVER IDEAS |
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