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Generated 11-08-2026
Active BE 0760.372.310Private limited company

KMO Cloud

St. Margrietstraat 21 ·9140 Temse, Belgium· 5 yrs active
Sector: Computer programming & consultancy (62200)
Conclusion Checked

The computed 12-month bankruptcy probability of KMO Cloud is 0.5% (very low). The 2024 annual accounts show equity of €73k and a net result of €24k. Equity is growing by ~45.7% per year across the filed fiscal years. Its solvency ranks better than 86% of 7336 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.
Key figures
Equity €73k
Net result €24k
Better than sector 86%
Active 5 yrs
Snowflake analysis 5 of 5 axes measured · computed by Checked
Health100Profitability100Solvency100Growth78Stability94
94 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 100
Profitability 100
Solvency 100
Growth 78
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
0.5% Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Young company +

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 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 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
100 / 100 Excellent
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 with Plus.

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Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview4 NBB filings
Annual accounts filed on 09-07-2025 with the NBB · fiscal year 2024 · micro
€0€10k€20k€30k€40kOperating result 2021: €13k€13kNet result 2021: €8k€8kOperating result 2022: €24k€24kNet result 2022: €16k€16kOperating result 2023: €25k€25kNet result 2023: €17k€17kOperating result 2024: €35k€35kNet result 2024: €24k€24k2021202220232024
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~45.7%/year over 4 fiscal years, indicative, assuming unchanged policy.
€0€50k€100k€150k2025: €86k (€81k - €92k)2026: €105k (€99k - €110k)2027: €123k (€116k - €129k)2021: €15k2022: €31k2023: €48k2024: €73k2021202220232024202520262027
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2024 · NACE 62, Computer programming & consultancy · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 86.6% 65.0%
better than 86% of 7336 sector peers
Net result €24k €32k
better than 42% of 7333 sector peers
Equity €73k €58k
better than 59% of 7338 sector peers
Gross operating margin €40k €52k
better than 39% of 7327 sector peers
Staff costs €3k €17k
higher than 35% of 1081 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€36k
+37.7% 21-24
Net profit
€24k
+43.5% 21-24
Cash flow
€26k
+40.6% 21-24
Total assets
€84k
+32.6% 21-24
Equity
€73k
+50.8% 21-24
Working capital
€71k
+57.0% 21-24
Staff costs
€3k
+27.6% 21-24
Income taxes
€10k
+39.2% 21-24
Debt
€11k
-25.4% 21-24
Debt ≤ 1y
€11k
-25.4% 21-24
Current ratio
7.28
+82.7% 21-24
Quick ratio
7.28
+82.7% 21-24
Solvency
86.6%
+13.7% 21-24
Debt / equity
0.16
-50.5% 21-24
ROE
33.7%
-4.8% 21-24
ROA
29.2%
+8.2% 21-24
Interest coverage
52.30
+90.5% 21-24
Figures by fiscal year
Fiscal year2024
Depositmicro
Revenue-
EBITDA€36k
Net profit€24k
Cash flow€26k
Staff costs€3k
Income taxes€10k
Dividends-
Total assets€84k
Equity€73k
Debt€11k
of which ≤ 1y€11k
of which > 1y-
Working capital€71k
Employees (FTE)-
Ratios (computed)
2024
Current ratio7.28
Quick ratio7.28
Working capital ratio84.3%
Solvency86.6%
Debt / equity0.16
Long-term debt ratio-
Interest coverage52.30
Gross margin-
Net margin-
ROA29.2%
ROE33.7%
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€84k
Fixed assets 21/28€2k
Tangible fixed assets 22/27€2k
Current assets 29/58€82k
Amounts receivable within one year 40/41€16k
Cash & bank 54/58€65k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€84k
Equity 10/15€73k
Contributions / capital 10/11€7k
Reserves 13€66k
Amounts payable 17/49€11k
Amounts payable within one year 42/48€11k
Trade debts payable within one year 44€4k
Income statement
Gross operating margin 9900€40k
Operating result 9901€35k
Financial income 75€45
Financial charges 65€697
Result before taxes 9903€35k
Income taxes 67/77€10k
Net result for the period 9904€24k
Result to be appropriated 9905€24k
You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Computer programming & consultancy(62200)
Legal form Private limited company(610)
Incorporation21-12-2020
StatusActive
Postal code9140
Connections & network 2 connected companies
Group structure
Orise Digital
Subsidiary · 1 location
→
Yazzoom
Subsidiary · 1 location
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Establishment units 1 location
KMO Cloud
St. Margrietstraat 21, 9140 TemseOntwerpen en programmeren van computerprogramma's
since 20202.310.914.043
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
46008A0592/00B000 Flanders 413 m² 1 · 159 m² 7.2 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 6 events

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

2025
10-12-2025
State Gazette act Director changes
v3.2
09-07-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
27-06-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
14-07-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
12-07-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
2020
23-12-2020
State Gazette act Incorporation
oprichting
Belgisch Staatsblad, acts 2 acts
All acts · 2 updated 8 months ago
2025
10-12-2025 Change in the board of directors Director changes
Summary: v3.2
Technical details 
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  "act_meta": {
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    "extractor": "constrained-core-35b"
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    "kbo": "0760.372.310",
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2020
23-12-2020 Incorporation of a new BV Incorporation
Summary: oprichting
Technical details 
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  "schema": "v3.2",
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  "founders": [
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1984-02-17",
        "name": "Jeffrey Forcez",
        "niss": null,
        "address": "9140 Temse, St. Margrietstraat 21"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 3500,
      "holder_person_name": "Jeffrey Forcez",
      "is_subscriber_only": true,
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      "is_anonymous_silent_partner": false
    },
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1984-10-18",
        "name": "Nele Christine Frans Janssens",
        "niss": null,
        "address": "9140 Temse, St. Margrietstraat 21"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 3500,
      "holder_person_name": "Nele Christine Frans Janssens",
      "is_subscriber_only": true,
      "n_shares_subscribed": 7,
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    }
  ],
  "capital_eur": 7000,
  "subject_company": {
    "kbo": "0760.372.310",
    "name_full": "KMO Cloud",
    "legal_form": "BV"
  },
  "initial_directors": [],
  "incorporation_date": "2020-12-21",
  "post_incorporation_mandates": []
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

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.

Coming soon
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
Computerconsultancy-activiteiten62020Activiteiten op het gebied van computerconsultancy en beheer van computerfaciliteiten62200Ontwerpen en programmeren van computerprogramma's62010Ontwerpen van computerprogramma’s62100Computerinfrastructuur, gegevensverwerking, hosting en aanverwante activiteiten63100Gegevensverwerking, webhosting en aanverwante activiteiten63110
Primary activity highlighted.
Names & trade names
Legal nameNL KMO Cloud
Registered office
St. Margrietstraat 21
9140 Temse, 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