Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 54 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
CLEVER INVEST from Anderlecht, company number BE0453223095, closed financial year 2025 with a result of € 50,128 after tax. For that financial year CLEVER INVEST recorded revenue of € 215,308 and equity of € 933,950. Compared with financial year 2024, the result moved from € 656,686 to € 50,128. The company is profitable. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on July 1, 2026.
€ 933,950
▲ 6% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 50,128
▼ 92% vs 2024
Profit after tax over the fiscal year.
€ 205,726
▼ 32% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 583,950.
People and assets in 2025
€ 5,687
▼ 40% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 225,704
▼ 17% vs 2024
€ 47,400 is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.
€ 174
▲ 24% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 9,866
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 265,327 | € 269,262 | € 231,656 | € 215,308 | ▼ 7% |
| Gross margin | € 237,267 | € 246,850 | € 1,002,915 | € 194,701 | ▼ 81% |
| Profit after taxes | € -7,074 | € 70,928 | € 656,686 | € 50,128 | ▼ 92% |
| Equity | € 156,209 | € 227,136 | € 883,823 | € 933,950 | ▲ 6% |
| Total debts | € 1,776,133 | € 1,625,591 | € 761,393 | € 559,068 | ▼ 27% |
| Cash | € 16,281 | € 29,071 | € 300,658 | € 205,726 | ▼ 32% |
| Land & buildings | € 2,053,380 | € 1,955,981 | € 1,668,804 | € 1,608,377 | ▼ 4% |
| Retained profit | € -193,791 | € -122,864 | € 533,823 | € 583,950 | ▲ 9% |
| Bank debt | € 1,191,206 | € 1,095,499 | € 273,074 | € 225,704 | ▼ 17% |
| Balance sheet total | € 2,074,243 | € 1,991,714 | € 1,982,747 | € 1,824,946 | ▼ 8% |
Key figures of CLEVER INVEST, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to CLEVER INVEST?
What happened at CLEVER INVEST in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 50,128 (▼ 92% vs 2024). Source: NBB ↗
- ARIE BAUM stepped down as director. NBB
- Serge BAUM stepped down as director. NBB
- MANUELLA MURRU stepped down as director. NBB
- Michel GUERCHAFT stepped down as director. NBB
- Chantal GUERCHAFT stepped down as director. NBB
- ARIE BAUM became a director. NBB
- Serge BAUM became a director. NBB
In short
From € 7,074 loss in 2022 to € 50,128 profit in 2025.
Paid € 9,927 in corporate taxes since 2022.
Best year ever: 2024, with € 656,686 profit.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Directors
According to the 2025 annual accounts
ARIE BAUM
Director
since 2019 · until 2025
Serge BAUM
Managing director
since 2019 · until 2025
MANUELLA MURRU
Director
since 2019 · until 2025
Michel GUERCHAFT
Director
since 2019 · until 2025
Chantal GUERCHAFT
Director
since 2019 · until 2025
Establishments
Establishment units
Physical locations of this company
Sylvain Dupuislaan 232
1070 Anderlecht
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0453.223.095
- VAT number
- BE 0453.223.095
- Registered office
- Sylvain Dupuislaan 232, 1070 Anderlecht
- Names & denominations
- CLEVER INVEST
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 2 August 1994
- Peppol
- Active · Active since 21 Nov 2025
- Activities · NACE
Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen