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 41 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Clem Assur from Pont-à-Celles, company number BE0650693420, closed financial year 2025 with a result of € -9,429 after tax. For that financial year Clem Assur recorded a gross margin of € 9,375 and equity of € 5,282. Compared with financial year 2024, the result moved from € 3,167 to € -9,429. The company made a loss. The buffer shrank hard: equity is 64 % below last year. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on January 29, 2026.
€ 5,282
▼ 64% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -9,429
▼ still € 3,167 profit in 2024
Profit after tax over the fiscal year.
€ 754
▼ 92% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -918.
People and assets in 2025
€ 4,992
▼ 72% 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.
€ 2,163
▼ 28% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 308
▲ 61% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 26,627 | € 15,169 | € 23,137 | € 9,375 | ▼ 59% |
| Profit after taxes | € 7,261 | € -2,614 | € 3,167 | € -9,429 | ▼ € 12,595 |
| Equity | € 14,158 | € 11,544 | € 14,710 | € 5,282 | ▼ 64% |
| Total debts | € 65,969 | € 48,655 | € 35,107 | € 21,389 | ▼ 39% |
| Cash | € 8,675 | € 3,400 | € 9,075 | € 754 | ▼ 92% |
| Land & buildings | € 22,747 | € 18,956 | € 15,165 | € 11,374 | ▼ 25% |
| Retained profit | € 7,958 | € 5,344 | € 8,510 | € -918 | ▼ € 9,429 |
| Balance sheet total | € 80,127 | € 60,199 | € 49,818 | € 26,670 | ▼ 46% |
Key figures of Clem Assur, 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 January 2027.
What happened to Clem Assur?
What happened at Clem Assur in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 9,429 (▼ € 12,595 vs 2024). Source: NBB ↗
- New establishment in Pont-à-Celles. KBO
- Sabrina Vanbinnebeek became a director. NBB
- Frédéric Clément became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 7,261 profit in 2022 to € 9,429 loss in 2025.
Paid € 3,854 in corporate taxes since 2022.
Best year ever: 2022, with € 7,261 profit.
Management
Behind Clem Assur are Sabrina Vanbinnebeek and Frédéric Clément.
Directors
According to the 2025 annual accounts
Sabrina Vanbinnebeek
Director
since 2016
Frédéric Clément
Director
since 2016
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
- 0650.693.420
- VAT number
- BE 0650.693.420
- Registered office
- Rue Paul Pastur(BUZ) 26, 6230 Pont-à-Celles
- Names & denominations
- Clem Assur
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 23 March 2016
- Peppol
- Active · Active since 8 Jan 2026