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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Busy address KBO
10 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2025
CLEVER FINANCE from Waterloo, company number BE1004900895, closed financial year 2025 with a result of € 3,252 after tax. For that financial year CLEVER FINANCE recorded a gross margin of € 37,891 and equity of € 144,252. The company is profitable. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on August 25, 2026.
€ 144,252
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 3,252
Profit after tax over the fiscal year.
€ 10,405
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 3,252.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 227,142
Supplier invoices still open on the last day of the fiscal year.
€ 20,056
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
What happened to CLEVER FINANCE?
What happened at CLEVER FINANCE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Veronica RUIZ GRACIANO stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 3,252. filed late Source: NBB ↗
- Veronica RUIZ GRACIANO became a director. NBB
- New establishment in Waterloo. KBO
- Start of the company according to the CBE. KBO
- JV CAPITAL SRL became a director. NBB
Management
Behind CLEVER FINANCE is JV CAPITAL SRL. JV CAPITAL SRL is also behind SMART 4 INVEST and SMART MANAGEMENT 2.0.
Directors
According to the 2025 annual accounts
Director · represented by LIBERT Jorge-Henry
Also active at: SMART 4 INVEST, SMART MANAGEMENT 2.0
since 2024
since 2024 · until 2030
Establishments
Establishment units
Physical locations of this company
Drève Richelle 161
1410 Waterloo
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 10 companies are registered at this address.
All companies at this address →BELAIRBUS
B- FINANCES
€ -13,888 gross margin · 2025
BATIMELEC
€ 15,076 gross margin · 2024
INTERNATIONAL MONTAGE MAINTENANCE
€ 11.5 million revenue · 2025
H.A.B.S.
€ -18,903 gross margin · 2026
+5 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 1004.900.895
- VAT number
- BE 1004.900.895
- Registered office
- Drève Richelle 161, 1410 Waterloo
- Names & denominations
- CLEVER FINANCE
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 18 January 2024
- Peppol
- Active · Active since 23 Dec 2025
- Activities · NACE
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