Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 3 of the last 4 fiscal years.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
-
Tight liquidity NBB
Cash and receivables cover 58 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
CLEF HABITAT from Celles (lez-Tournai), company number BE0553968582, closed financial year 2025 with a result of € -3,722 after tax. For that financial year CLEF HABITAT recorded a gross margin of € -600 and equity of € -35,673. Compared with financial year 2024, the result moved from € -12,242 to € -3,722. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 14, 2026.
€ -35,673
▼ € 3,722 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -3,722
▲ 70 % less loss than in 2024
Profit after tax over the fiscal year.
€ 48,454
▲ € 48,328 vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -54,273.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 142
▼ 73% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 1,008
▲ 4% vs 2024
Supplier invoices still open on the last day of the fiscal year.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 9,629 | € -11,666 | € -4,320 | € -600 | ▲ € 3,720 |
| Profit after taxes | € -3,167 | € -20,406 | € -12,242 | € -3,722 | ▲ € 8,520 |
| Equity | € 697 | € -19,709 | € -31,952 | € -35,673 | ▼ € 3,722 |
| Total debts | € 98,588 | € 143,590 | € 145,898 | € 84,316 | ▼ 42% |
| Cash | € 83,639 | € 120 | € 126 | € 48,454 | ▲ € 48,328 |
| Land & buildings | € 1,482 | € 0 | € 113,252 | - | |
| Retained profit | € -17,903 | € -38,309 | € -50,552 | € -54,273 | ▼ € 3,722 |
| Bank debt | € 5,922 | € 1,195 | € 0 | € 0 | |
| Balance sheet total | € 99,284 | € 123,881 | € 113,946 | € 48,642 | ▼ 57% |
Key figures of CLEF HABITAT, 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 CLEF HABITAT?
What happened at CLEF HABITAT in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 3,722. Source: NBB ↗
- New establishment in Celles (lez-Tournai). KBO
- Frédéric Maréchal became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 3,167 loss in 2022 to € 3,722 loss in 2025.
Paid € 873 in corporate taxes since 2022.
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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
Behind CLEF HABITAT is Frédéric Maréchal.
Directors
According to the 2025 annual accounts
Frédéric Maréchal
Manager
since 2014
Establishments
Establishment units
Physical locations of this company
Place de Pottes (POT) 18
7760 Celles (lez-Tournai)
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
- 0553.968.582
- VAT number
- BE 0553.968.582
- Registered office
- Place de Pottes (POT) 18, 7760 Celles (lez-Tournai)
- Names & denominations
- CLEF HABITAT
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 20 June 2014
- Peppol
- Active · Active since 16 Dec 2025
- Activities · NACE
Bemiddeling in verband met exploitatie van en handel in onroerend goed
Bemiddeling bij de aankoop, verkoop en verhuur van onroerend goed voor een vast bedrag of op contractbasis
Metselwerk
Dakwerkzaamheden
Overige gespecialiseerde bouwactiviteiten, neg
Chapewerken
Handel in eigen onroerend goed
Overige gespecialiseerde bouwwerkzaamheden
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