ACTIVE

CLEVER FINANCE

Financial year 2025 · Closed on 31/12/2025

Net result3,3 k €
Gross margin37,9 k €
Equity144,3 k €

Identity

Source · BCE/KBO

CLEVER FINANCE is a Public limited company incorporated in 2024. Its main activity is: Other activities auxiliary to financial services, except insurance and pension funding. Its registered office is in Waterloo.

Legal situation
Normal situation
BCE/KBO no. / VAT
BE 1004.900.895
Incorporation
18/01/2024
Legal form
Public limited company
Registered office
Drève Richelle 161
1410 Waterloo · WallonieSee on map
Contributed capital
141 000,00 €
Latest accounts
31/12/2025
Signals
ProfitableSolid equityPositive cashflowPositive EBITDA

Financials

Source · NBB, 1 filing

Trend over 1 financial year

2025
Income statement
Gross margin37,9 k €
EBITDA36,9 k €
Operating result-1,6 k €
Net result3,3 k €
Balance sheet
Equity144,3 k €
Total assets392,2 k €
Cash10,4 k €
Debts247,9 k €

Valuation

Indicative valuation

As an indication, this company is worth

between 100 k€ and 250 k€
See the valuation

Board of directors

Source · NBB, accounts to 31/12/2025

2 active

Active mandates

Veronica RUIZ GRACIANO

Director · since 03 juillet 2024 · until 03 juillet 2030

Active
JV CAPITAL

Director · since 15 janvier 2024 · 0701.994.245

Represented by LIBERT Jorge-Henry

Active

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Drève Richelle 161 1410 Waterloo
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Full financial information

Source · NBB
2025
Type of accountAbridged model
Start of the financial year01/02/2024
Closing of the financial year31/12/2025
Length of the financial year23 months
Filing date25/08/2026
General meeting30/06/2026
Currency of the financial yearEUR
NBB quality labelSatisfying controls

Financial ratios

Source · NBB

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Annual accounts filings

Source · NBB, 1 filing
ModelClosingGeneral meetingFiledLanguageDocument
Abridged model31/12/202530/06/202625/08/2026FrenchPDF

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 100 k€ and 250 k€

The detail comes with the Business plan: low and high bounds, the valuation bridge for each financial year, transaction multiples by sector and size, group valuation and exports.

Discover the Business plan
Disclaimer

Indicative estimate based on public sector multiples and the filed annual accounts. It is neither a certified valuation nor financial or investment advice.

Board of directors

Source · NBB, accounts to 31/12/2025

2 active

Active mandates

Veronica RUIZ GRACIANO

Director · since 03 juillet 2024 · until 03 juillet 2030

Active
JV CAPITAL

Director · since 15 janvier 2024 · 0701.994.245

Represented by LIBERT Jorge-Henry

Active

Ownership and network

Looking for more information about this company?

Try for 7 days

Belgian Official Gazette publications

Source · Belgian Official Gazette
  • Mandates26/07/2024
    DEMISSIONS, NOMINATIONS
    PDF
  • Other22/01/2024
    RUBRIQUE CONSTITUTION (NOUVELLE PERSONNE MORALE, OUVERTURE SUCCURSALE, ETC...)
    PDF

Similar companies

A company's peers, by sector and size, are included in the Business plan.

See the Business plan

Timeline

  1. 2025
    Annual accounts 20253,3 k €
  2. 18/01/2024
    IncorporationPublic limited company