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Generated 12-08-2026
Active BE 0797.337.030Private limited company

CLVR

Nietelbroekstraat 6 ·3590 Diepenbeek, Belgium· 3 yrs active
Sector: Activiteiten van medisch specialisten (86220)
Conclusion Checked

The computed 12-month bankruptcy probability of CLVR is 0.2% (very low). The 2024 annual accounts show equity of €18k and a net result of €4k. Its solvency ranks better than 18% of 6573 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €18k
Net result €4k
Better than sector 18%
Active 3 yrs
Snowflake analysis 5 of 5 axes measured · computed by Checked
Health68Profitability100Solvency33Growth52Stability94
69 / 100

Strong profile, led by profitability.

All 5 axes are computed from data Checked has read.

Health 68
Profitability 100
Solvency 33
Growth 52
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
0.2% Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Young company +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
More than 3 years active
Founded in 2023, 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 0 events
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.
Health barometer FY 2024 · computed
68 / 100 Healthy
050100
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.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview2 NBB filings
Annual accounts filed on 31-07-2025 with the NBB · fiscal year 2024 · micro
€0€5k€10k€15k€20kOperating result 2023: €19k€19kNet result 2023: €12k€12kOperating result 2024: €9k€9kNet result 2024: €4k€4k20232024
Operating resultNet result
Sector comparison
Fiscal year 2024 · NACE 86, Human health · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 21.4% 66.7%
better than 18% of 6573 sector peers
Net result €4k €46k
better than 12% of 6567 sector peers
Equity €18k €79k
better than 17% of 6573 sector peers
Gross operating margin €88k €78k
better than 54% of 6575 sector peers
Staff costs €70k €21k
higher than 85% of 1209 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€17k
-31.5% 23-24
Net profit
€4k
-68.4% 23-24
Cash flow
€12k
-33.7% 23-24
Total assets
€85k
-12.3% 23-24
Equity
€18k
+27.2% 23-24
Working capital
€5k
-34.7% 23-24
Employees (FTE)
1
- 23-24
Staff costs
€70k
+21.9% 23-24
Income taxes
€2k
-58.3% 23-24
Debt
€67k
-19.2% 23-24
Debt ≤ 1y
€23k
-9.4% 23-24
Debt > 1y
€44k
-23.5% 23-24
Current ratio
1.21
-6.3% 23-24
Quick ratio
1.21
-6.3% 23-24
Solvency
21.4%
+45.0% 23-24
Debt / equity
3.67
-36.4% 23-24
ROE
21.4%
-75.2% 23-24
ROA
4.6%
-64.0% 23-24
Interest coverage
6.94
-77.5% 23-24
Figures by fiscal year
Fiscal year2024
Depositmicro
Revenue-
EBITDA€17k
Net profit€4k
Cash flow€12k
Staff costs€70k
Income taxes€2k
Dividends-
Total assets€85k
Equity€18k
Debt€67k
of which ≤ 1y€23k
of which > 1y€44k
Working capital€5k
Employees (FTE)-
Ratios (computed)
2024
Current ratio1.21
Quick ratio1.21
Working capital ratio5.7%
Solvency21.4%
Debt / equity3.67
Long-term debt ratio2.40
Interest coverage6.94
Gross margin-
Net margin-
ROA4.6%
ROE21.4%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€85k
Fixed assets 21/28€57k
Tangible fixed assets 22/27€57k
Current assets 29/58€28k
Amounts receivable within one year 40/41€19k
Cash & bank 54/58€9k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€85k
Equity 10/15€18k
Contributions / capital 10/11€2k
Reserves 13€16k
Amounts payable 17/49€67k
Amounts payable after one year 17€44k
Amounts payable within one year 42/48€23k
Trade debts payable within one year 44€8k
Income statement
Gross operating margin 9900€88k
Operating result 9901€9k
Financial income 75€0
Financial charges 65€2k
Result before taxes 9903€6k
Income taxes 67/77€2k
Net result for the period 9904€4k
Result to be appropriated 9905€4k
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Activiteiten van medisch specialisten(86220)
Legal form Private limited company(610)
Incorporation18-01-2023
StatusActive
Postal code3590
Establishment units 1 location
CLVR
Nietelbroekstraat 6, 3590 DiepenbeekActiviteiten van medisch specialisten
since 20232.343.206.927
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Updates 4 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
13-02-2026
State Gazette act Director changes
v3.2
2025
31-07-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
30-07-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
20-01-2023
State Gazette act Incorporation
oprichting
Belgisch Staatsblad, acts 2 acts
All acts · 2 updated 6 months ago
2026
13-02-2026 Change in the board of directors Director changes
Summary: v3.2
Technical details 
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  "events": [],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0797.337.030",
    "name_full": "CLVR",
    "legal_form": "BV"
  }
}
2023
20-01-2023 Incorporation of a new BV Incorporation
Summary: oprichting
Technical details 
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  "kind": "oprichting",
  "seat": "Netelbroekstraat 6, 3590 Diepenbeek",
  "schema": "v3.2",
  "act_meta": {
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    "extractor": "constrained-core-35b"
  },
  "founders": [
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1986-01-23",
        "name": "BECKERS Olivier Marie",
        "niss": null,
        "address": "Tongeren"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 1000,
      "holder_person_name": "BECKERS Olivier Marie",
      "is_subscriber_only": true,
      "n_shares_subscribed": 50,
      "amount_subscribed_eur": 1000,
      "is_anonymous_silent_partner": false
    },
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1985-08-11",
        "name": "VERCRUYSSE Marilyn Ina",
        "niss": null,
        "address": "Antwerpen (Wilrijk)"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 1000,
      "holder_person_name": "VERCRUYSSE Marilyn Ina",
      "is_subscriber_only": true,
      "n_shares_subscribed": 50,
      "amount_subscribed_eur": 1000,
      "is_anonymous_silent_partner": false
    }
  ],
  "capital_eur": 2000,
  "subject_company": {
    "kbo": "0797.337.030",
    "name_full": "CLVR",
    "legal_form": "BV"
  },
  "initial_directors": [],
  "incorporation_date": "2023-01-17",
  "post_incorporation_mandates": []
}
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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Praktijken van specialisten86220Activiteiten van medisch specialisten86220
Primary activity highlighted.
Names & trade names
Legal nameNL CLVR
Registered office
Nietelbroekstraat 6
3590 Diepenbeek, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative