Summary
CLAVER has a registered holding activity and consists mainly of financial fixed assets; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.1m and a net result of €130,558. Equity remains stable across the filed fiscal years (±1.8% per year). Its solvency ranks better than 58% of 8737 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Holding: general score not applicable
The company has a registered holding activity and financial fixed assets account for more than half of its assets. The general operating-company model is unsuitable for this profile, so we show no financial axes either. Filed figures remain available.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
27 d late
2024
74 d late
2023
30 d late
2022
24 d late
2021
30 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 37 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€130,558▲ 19.6%
2024 · €109,171
Working capital
-€447,073▲ 3.3%
2024 · -€462,299
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€12,670-€15,792▲ 24.6%€4,217▼ 73.3%€3,861▼ 8.4%€4,838▲ 25.3%
Net result€915,126above the sector's middle half-€280,541above the sector's middle half▼ 69.3%€145,157within the sector's middle half▼ 48.3%€109,171within the sector's middle half▼ 24.8%€130,558within the sector's middle half▲ 19.6%
Equity€916,126within the sector's middle half-€1.2mwithin the sector's middle half▲ 30.6%€1.3mwithin the sector's middle half▲ 12.1%€920,995within the sector's middle half▼ 31.4%€1.1mwithin the sector's middle half▲ 14.2%
Total assets€1.2mwithin the sector's middle half-€1.4mwithin the sector's middle half▲ 20.3%€1.5mwithin the sector's middle half▲ 6.8%€1.5mwithin the sector's middle half▲ 0.5%€1.7mwithin the sector's middle half▲ 13.3%
Debt€262,079-€220,822▼ 15.7%€171,518▼ 22.3%€599,409▲ 249%€671,607▲ 12.0%
Working capital€54,228-€79,194▲ 46.0%€63,286▼ 20.1%-€462,299-€447,073▲ 3.3%
Solvency77.8%above the sector's middle half-84.4%above the sector's middle half▲ 6.7pp88.7%above the sector's middle half▲ 4.2pp60.6%within the sector's middle half▼ 28.1pp61.0%within the sector's middle half▲ 0.4pp
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 25% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.7m
Fixed assets
€1.6m ▲ 3.9%
Current assets
€157,770 ▲ 1,021%
Equity and liabilities €1.7m
Equity
€1.1m ▲ 14.2%
Debt
€671,607 ▲ 12.0%
Debt's share of the balance-sheet total falls from 39.4% to 39.0%. Equity and debt are higher.
Key figures and ratios
ROE
12.4%▲
2024 · 11.9%
ROA
7.6%▲
2024 · 7.2%
Debt ≤ 1 year
€604,843▲
2024 · €476,375
Debt > 1 year
€66,764▼
2024 · €123,034
Income taxes
€3,012▲
2024 · €2,774
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €684 | €830 | €6,832 | €10,777 | €14,243 | ▲ 32.2% |
| Other operating charges640/8 | €1,042 | €451 | €681 | €2,387 | €2,331 | ▼ 2.3% |
| Gross operating margin9900 | €14,397 | €17,073 | €11,730 | €17,025 | €21,413 | ▲ 25.8% |
| Operating profit (loss)9901 | €12,670 | €15,792 | €4,217 | €3,861 | €4,838 | ▲ 25.3% |
| Financial income75/76B | €905,314 | €268,699 | €143,477 | €108,888 | €129,795 | ▲ 19.2% |
| Recurring financial income75 | €905,314 | €268,699 | €143,477 | €108,888 | €129,795 | ▲ 19.2% |
| Financial charges65/66B | €96 | €115 | €561 | €803 | €1,063 | ▲ 32.4% |
| Recurring financial charges65 | €96 | €115 | €561 | €803 | €1,063 | ▲ 32.4% |
| Profit (loss) for the period before taxes9903 | €917,888 | €284,376 | €147,133 | €111,946 | €133,571 | ▲ 19.3% |
| Income taxes67/77 | €2,762 | €3,835 | €1,975 | €2,774 | €3,012 | ▲ 8.6% |
| Profit (loss) for the period9904 | €915,126 | €280,541 | €145,157 | €109,171 | €130,558 | ▲ 19.6% |
| Profit (loss) for the period to be appropriated9905 | €915,126 | €280,541 | €145,157 | €109,171 | €130,558 | ▲ 19.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.2m | €1.4m | €1.5m | €1.5m | €1.7m | ▲ 13.3% |
| Fixed assets21/28 | €1.1m | €1.3m | €1.4m | €1.5m | €1.6m | ▲ 3.9% |
| Tangible fixed assets22/27 | €1,850 | €2,160 | €26,923 | €52,767 | €38,524 | ▼ 27.0% |
| Furniture and vehicles24 | €1,850 | €1,192 | €26,183 | €52,255 | €38,240 | ▼ 26.8% |
| Other tangible fixed assets26 | - | €968 | €740 | €512 | €284 | ▼ 44.6% |
| Financial fixed assets28 | €1.1m | €1.3m | €1.4m | €1.5m | €1.5m | ▲ 5.0% |
| Current assets29/58 | €66,307 | €100,016 | €84,804 | €14,075 | €157,770 | ▲ 1,021% |
| Amounts receivable within one year40/41 | - | €1,809 | - | €9,916 | €139,555 | ▲ 1,307% |
| Trade receivables40 | - | €1,809 | - | €9,218 | €9,062 | ▼ 1.7% |
| Other amounts receivable41 | - | - | - | €698 | €130,493 | ▲ 18,588% |
| Cash at bank and in hand54/58 | €66,134 | €97,101 | €84,705 | €2,022 | €16,328 | ▲ 708% |
| Deferred charges and accrued income490/1 | €174 | €1,106 | €99 | €2,137 | €1,887 | ▼ 11.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.2m | €1.4m | €1.5m | €1.5m | €1.7m | ▲ 13.3% |
| Equity10/15 | €916,126 | €1.2m | €1.3m | €920,995 | €1.1m | ▲ 14.2% |
| Contributions10/11 | €1,000 | €1,000 | €1,000 | €1,000 | €1,000 | = |
| Reserves13 | €915,126 | €1.2m | €1.3m | €919,995 | €1.1m | ▲ 14.2% |
| Distributable reserves133 | €915,126 | €1.2m | €1.3m | €919,995 | €1.1m | ▲ 14.2% |
| Amounts payable17/49 | €262,079 | €220,822 | €171,518 | €599,409 | €671,607 | ▲ 12.0% |
| Amounts payable after more than one year17 | €250,000 | €200,000 | €150,000 | €123,034 | €66,764 | ▼ 45.7% |
| Financial debts170/4 | - | - | - | €23,034 | €16,764 | ▼ 27.2% |
| Other amounts payable178/9 | €250,000 | €200,000 | €150,000 | €100,000 | €50,000 | ▼ 50.0% |
| Amounts payable within one year42/48 | €12,079 | €20,822 | €21,518 | €476,375 | €604,843 | ▲ 27.0% |
| Current portion of amounts payable after more than one year42 | - | - | - | €6,034 | €6,270 | ▲ 3.9% |
| Financial debts43 | €48 | €48 | - | - | - | - |
| Credit institutions430/8 | €48 | €48 | - | - | - | - |
| Trade debts44 | €681 | €2,391 | €1,343 | €4,088 | €2,460 | ▼ 39.8% |
| Suppliers440/4 | €681 | €2,391 | €1,343 | €4,088 | €2,460 | ▼ 39.8% |
| Taxes, remuneration and social security45 | €9,962 | €13,674 | €12,845 | €7,260 | €7,276 | ▲ 0.2% |
| Taxes450/3 | €9,962 | €13,674 | €12,845 | €7,260 | €7,276 | ▲ 0.2% |
| Other amounts payable47/48 | €1,389 | €4,708 | €7,330 | €458,993 | €588,838 | ▲ 28.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €915,126 | €280,541 | €145,157 | €109,171 | €130,558 | ▲ 19.6% |
| + Depreciation and write-downs630 | €684 | €830 | €6,832 | €10,777 | €14,243 | ▲ 32.2% |
| Operating cash flow (approximation) | €915,810 | €281,371 | €151,990 | €119,949 | €144,801 | ▲ 20.7% |
| Investment in fixed assets (approximation) | - | -€206,405 | -€117,898 | -€88,568 | -€73,305 | ▲ 17.2% |
| Change in cash | - | €30,967 | -€12,395 | -€82,683 | €14,306 | ▲ 117% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
2025
31-12
Financial
Equity above €1mEq €1.1m ▲14.2%
5 profitable years in a row build equity to €1.1m.
13-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 74 days late
2024
31-12
Financial
Weakest financial yearnet €109,171 ▼24.8%
Net result drops to €109,171, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 24 days late
2022
31-12
Financial
Equity above €1mEq €1.2m ▲30.6%
2 profitable years in a row build equity to €1.2m.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Tubize
Ground area
569 m²
Building footprint
118 m²
Volume, LiDAR
640 m³
Parcel 25097B0301/00Y000, Wallonia · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25097B0301/00Y000 | Wallonia | 569 m² | 1 · 118 m² | 8.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 1
-
93.2%
According to the 2025 annual accounts of CLAVER and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 82,642 companies in sector 70200 we hold annual accounts for 52,626. 27,331 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded12-11-2020
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0758379652
Registered
13-01-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.