ClusteredArt
ActiveSummary
The annual accounts of ClusteredArt for fiscal year 2025 show a net loss of 64% of total assets. The 2025 annual accounts show equity of €142k and a net result of €-97k. Equity is growing by ~19.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 18400 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-74
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 16.89 against 20.11 in 2024; short-term debt: 5.6% and cash: 38.2% of total assets), and 5.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
94.4%
Return on assets
-64.3%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
61 d late
2023
58 d late
2022
64 d late
2021
142 d late
2020
88 d late
2019
103 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€142k▼ 48.9%
2024 · €278k
2018: €79k
2019: €92k
2020: €116k
2021: €186k
2022: €217k
2023: €265k
2024: €278k
2018 → 2025
Total assets
€150k▼ 48.5%
2024 · €291k
2018: €194k
2019: €224k
2020: €246k
2021: €258k
2022: €268k
2023: €283k
2024: €291k
2018 → 2025
Net result
€-97k
2024 · €13k
2018: €32k
2019: €65k
2020: €24k
2021: €70k
2022: €32k
2023: €47k
2024: €13k
2018 → 2025
Working capital
€133k▼ 48.8%
2024 · €259k
2018: €63k
2019: €90k
2020: €92k
2021: €160k
2022: €175k
2023: €233k
2024: €259k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€186k-€217k▲ 17.0%€265k▲ 21.7%€278k▲ 4.9%€142k▼ 48.9%
Operating result€91k-€42k▼ 53.5%€67k▲ 57.8%€20k▼ 69.5%€-76k
Net result€70k-€32k▼ 55.0%€47k▲ 49.7%€13k▼ 72.5%€-97k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €76k after €20k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €150k
Fixed assets
€9k ▼ 50.9%
Current assets
€141k ▼ 48.3%
Equity and liabilities €150k
Equity
€142k ▼ 48.9%
Debt
€8k ▼ 38.4%
Debt's share of the balance-sheet total rises from 4.7% to 5.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-65k▼
2024 · €34k
Cash flow
€-85k▼
2024 · €27k
Current ratio
16.89▼
2024 · 20.11
Debt to equity
0.06▲
2024 · 0.05
ROE
-68.1%▼
2024 · 4.7%
ROA
-64.3%▼
2024 · 4.5%
Interest coverage
-188.16▼
2024 · 120.19
Debt ≤ 1 year
€8k▼
2024 · €14k
Income taxes
€269▼
2024 · €7k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€291k€150k▼
Fixed assets21/28€18k€9k▼
Tangible fixed assets22/27€18k€9k▼
Plant, machinery and equipment23€2k€2k▲
Furniture and vehicles24€15k€6k▼
Other tangible fixed assets26€990€718▼
Current assets29/58€273k€141k▼
Amounts receivable within one year40/41€221k€83k▼
Trade receivables40€160k€21k▼
Other amounts receivable41€61k€63k▲
Cash at bank and in hand54/58€51k€57k▲
Deferred charges and accrued income490/1€399€414▲
Equity and liabilities
Total equity and liabilities10/49€291k€150k▼
Equity10/15€278k€142k▼
Contributions10/11€19k€19k=
Reserves13€259k€123k▼
Distributable reserves133€259k€123k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€14k€8k▼
Amounts payable within one year42/48€14k€8k▼
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€12k€4k▼
Taxes450/3€12k€4k▼
Remuneration and social security454/9€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€11k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€145k
Other operating charges640/8€1k€551▼
Gross operating margin9900€35k€81k▲
Operating profit (loss)9901€20k€-76k▼
Financial income75/76B€20€0▼
Recurring financial income75€20€0▼
Financial charges65/66B€283€20k▲
Recurring financial charges65€283€344▲
Non-recurring financial charges66B-€20k
Profit (loss) for the period before taxes9903€20k€-96k▼
Income taxes67/77€7k€269▼
Profit (loss) for the period9904€13k€-97k▼
Profit (loss) for the period to be appropriated9905€13k€-97k▼
Appropriation of the result
Profit (loss) to be appropriated9906€13k€-97k▼
Transfer from equity791/2-€136k
Transfer to equity691/2€13k€0▼
To other reserves6921€13k€0▼
Profit to be distributed694/7-€39k
Return on contributions (dividend)694-€39k
The notes to these accounts (14 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Weakest financial yearnet €-97k
Net result drops to €-97k, the lowest in the series.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 58 days late
2023
31-12
Financial
Liquidity triplescurrent ratio 13.96
Current ratio from 4.48 to 13.96; short-term debt falls from €50k to €18k.
03-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 64 days late
2022
31-12
Financial
Equity above €200kEq €217k ▲17%
5 profitable years in a row build equity to €217k.
20-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 142 days late
2021
31-12
Financial
Highest result since 2018net €70k ▲194%
Operating result €91k, net result €70k, both a record.
31-12
Financial
Equity above €150kEq €186k ▲60.6%
4 profitable years in a row build equity to €186k.
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 88 days late
2020
31-12
Financial
Equity above €100kEq €116k ▲26%
3 profitable years in a row build equity to €116k.
Show earlier events
11-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 103 days late
2019
02-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 63 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 58 days late
2017
30-12
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 152 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Haacht · 1 establishment unit since 2015
Ground area
2,562 m²
Building footprint
169 m²
Volume, LiDAR
915 m³
Parcel 24033C0201/00A000, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ClusteredArt
since 20152.253.948.319
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24033C0201/00A000 | Flanders | 2,562 m² | 1 · 169 m² | 8.2 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.
Similar companies · same sector, comparable size
Burlet & Fils
BE 0818.748.294
Florennes · Eq €141,750
COPY SOLUTIONS
BE 0637.926.735
Grimbergen · Eq €140,436
K.A.B.
BE 0782.957.670
Temse · Eq €139,871
TMS CONSTRUCT
BE 0846.022.518
Ans · Eq €143,549
B-WISE
BE 0681.559.414
Puurs-Sint-Amands · Eq €143,696
Of 3,233 companies in sector 47781 we hold annual accounts for 744. 545 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-02-2015
Fiscal year end31-12
Activities, NACEBEL 2025
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
47120Other non-specialised retail sale
64210Activities of holding companies
70200Business and other management consultancy
90120Visual arts creation
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.