Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
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Tight liquidity NBB
Cash and receivables cover 20 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Clem Consult & Finance from Pont-à-Celles, company number BE0600954590, closed financial year 2025 with a result of € 15,481 after tax. For that financial year Clem Consult & Finance recorded a gross margin of € 18,925 and equity of € -6,294. Compared with financial year 2024, the result moved from € -4,564 to € 15,481. Profitable, and profit is growing. 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 April 2, 2026.
€ -6,294
▲ € 15,481 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 15,481
▲ still € 4,564 loss in 2024
Profit after tax over the fiscal year.
€ 269
▲ 181% 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 € -18,694.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 2,218
▼ 51% 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.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 833 | € 1,002 | € -922 | € 18,925 | ▲ € 19,847 |
| Profit after taxes | € -3,033 | € -2,753 | € -4,564 | € 15,481 | ▲ € 20,044 |
| Equity | € -14,458 | € -17,211 | € -21,774 | € -6,294 | ▲ € 15,481 |
| Total debts | € 20,707 | € 28,888 | € 30,419 | € 15,060 | ▼ 50% |
| Cash | € 6 | € 457 | € 96 | € 269 | ▲ 181% |
| Land & buildings | € 3,294 | € 3,209 | € 3,124 | € 3,046 | ▼ 2% |
| Retained profit | € -26,858 | € -29,611 | € -34,174 | € -18,694 | ▲ € 15,481 |
| Balance sheet total | € 6,249 | € 11,677 | € 8,644 | € 8,767 | ▲ 1% |
Key figures of Clem Consult & Finance, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 April 2027.
What happened to Clem Consult & Finance?
What happened at Clem Consult & Finance in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 15,481. Source: NBB ↗
- New establishment in Pont-à-Celles. KBO
- Start of the company according to the CBE. KBO
In short
From € 3,033 loss in 2022 to € 15,481 profit in 2025.
Best year ever: 2025, with € 15,481 profit.
Management
Behind Clem Consult & Finance is Frédéric Clément.
Directors
According to the 2025 annual accounts
Frédéric Clément
Director
Establishments
Establishment units
Physical locations of this company
Rue Paul Pastur(BUZ) 26
6230 Pont-à-Celles
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
- 0600.954.590
- VAT number
- BE 0600.954.590
- Registered office
- Rue Paul Pastur(BUZ) 26, 6230 Pont-à-Celles
- Names & denominations
- Clem Consult & Finance
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 13 March 2015
- Peppol
- Active · Active since 19 Dec 2025
- Activities · NACE
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