Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Busy address KBO
12 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.
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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
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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 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
Veronica RUIZ GRACIANO
Director
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 12 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
+7 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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