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CLOVADA

Active Private limited companyfounded 2010active for 16 yearsViadukt 8, 9140 TemseKBO/BCE: BE 0829.201.134
CLOVADA
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Overview

Lifetime

15 annual accounts with figures on one time axis
peak €188,916 (2021)
€90,243▲ 95.6%
lowest -€134,098 (2021)
€3,235▲ €6,881
peak €217,688 (2020)
€85,575▲ 3.9%
€47,723▲ 19.7%
Board2 names since 2010
1 director
Documentsfilings and deeds
28-08-202628 days late
2025micro format
Gross margin from €46,147 to €90,243Back to profit: €3,235Debts from €39,865 to €47,723Cash from €19,119 to €1,991

Key points

from the 2025 annual accounts

Equity

€85,575 from €217,688 in 2020

Equity fell by 61% in 5 years.

Turnover

≈ €190,000 estimated

The micro format states no turnover.

Filings

15 annual accounts since 2011
AprilJune31 JulyOctober201520202025

Two of the last ten came late. The 2016 accounts came latest: 57 days after the end of the period.

Checked score

Bankruptcy probability within 12 months

Financial strength

Score breakdown

Comparable companies, two years later

In July 2024, 10,904 companies had the same profile as CLOVADA has now. Each dot stands for 28 companies, two years later.

95.1%
were still trading
4.0%
stopped another way
0.7%
went bankrupt
  • Micro
  • 10 to 20 years old
  • solvency 30% or more
  • a profit under 5% of the balance sheet

Another 0.1% stopped without a precise date, possibly only after those two years.

Test of the method

The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.

The companies in ten equal groups, from the lowest to the highest expected share
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 0.9%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.

This is an observation about 10,904 companies, not a prediction for CLOVADA. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.

Credit verdict

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Board and ownership

Director, since 03-04-2023
Board & ownership

Recent changes

Registered office moved within Temse New registered office: Viadukt 8, 9140 Temse · Previous registered office: Krijgsbaan 249, 9140 Temse · Board meeting of 21-09-2026 · Gazette deed
Registered in the Peppol Directory Reachable for e-invoices through 0208:0829201134
Change of role: , from manager to director Director discharge: · Gazette deed
Registered office moved within Temse New registered office: Krijgsbaan 249, 9140 Temse · Previous registered office: Viadukt 8, 9140 Temse · Board meeting of 23-02-2021 · Gazette deed
All 30 events

Comparable companies

same main activity, similar in size and age
Company
CLOVADA Temse €133,298 €90,243 64.2% -
NEUVOA MANAGEMENT Temse €152,074 €92,266 81.4% -
CORORU Deinze €137,906 €85,744 60.0% -
Mind in Motion Ghent €150,253 €77,405 78.2% -
HOMOLOGATION AUTOMOTIVE CONSULTANCY Aalst €125,926 €84,119 61.5% -
EASY BUSINESS FINANCE SOLUTIONS Molenbeek-Saint-Jean €129,030 €95,575 52.9% -
ROTSART FAMILY OFFICE Sint-Genesius-Rode €141,045 €93,140 66.8% -

These companies have the same main activity as CLOVADA: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €126,000 and €152,000, founded between 2008 and 2013.

Official details

Source: KBO
Status
Active since 13-09-2010Normal situation
Activity
Business and other management consultancyNACE 70200
Establishment unit
2.192.894.2429140 Temse, since 01-09-2010
Financial year end
31 December
Peppol
Reachable since 26-05-2025
Company details

Annual accounts 2025

€90,243▲ 95.6%
€3,235
€85,575▲ 3.9%
€133,298▲ 9.1%
Filing
Filed on 28-08-2026
Financials

Insights on CLOVADA

CLOVADA files the micro format. That format states no turnover. The gross margin rose from €22,331 in 2011 to €90,243 in 2025.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2025

micro format, filed on 28-08-2026, 28 days late
€90,243
▲ 95.6%
€17,547
▲ 17×
€21,920
▲ 284%
€7,607
▲ 622%
64.2%
▼ 3.2 percentage points
2.70
▼ 0.15

Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.

Turnover ≈ €190,000. Estimated: probably between €140,000 and €230,000.

Money flows

no detail for 2025

Balance sheet

balance sheet total €133,298 on 31-12-2025
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

Compare with sector

64.2%

Higher than 59% of 39,376 companies in 2025.

2.70

Higher than 59% of 38,058 companies in 2025.

2.4%

Higher than 25% of 38,530 companies in 2025.

CLOVADA Middle half of the sector 80% of the sector Micro accounts in head offices and management consultancy (NACE 70)

Net result: bottom quarter · Equity: middle half · Balance sheet total: middle half · Working capital: middle half

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend202520242023202220212020201920182017201620152014201320122011
Balance sheet: assets
20/58 133,298122,206115,726119,171166,935312,718317,494324,376311,513355,735173,025132,631147,336156,09830,893
21/28 4,2218,59312,25415,35418,086250,327251,303251,299250,531251,3043,0824,5044,0656,768257
22/27 4,2218,59312,25415,35418,0863271,3031,2995311,3043,0824,5044,0656,768257
23 -1,3671,409888-3271,3031,299234234419604-468-
24 4,2217,22610,84614,46618,086---2971,0692,6633,9004,0656,300257
28 -----250,000250,000250,000250,000250,000-----
29/58 129,077113,613103,472103,818148,84962,39166,19173,07760,982104,432169,944128,127143,271149,33030,636
29 60,00060,00060,00060,00060,00060,00060,00060,00060,00090,00045,000----
290 60,000060,00060,000--60,000--------
291 -60,000--60,00060,000-60,00060,00090,00045,000----
40/41 44,00433,00638,56240,04057,0392,1306,1309,680-6,986113,859122,70695,438116,09325,013
40 14,69710,22537,67140,04055,7898804,8809,680-3,57257,72084,43743,56082,28013,335
41 29,30722,782891-1,2501,2501,250--3,41456,13938,26951,87833,81311,678
50/53 23,000--------------
54/58 1,99119,1194,9103,21031,748--3,397-5,3548,7852,09447,60632,9535,623
490/1 821,488-5686226161-9822,0922,3003,327227284-
Balance sheet: equity and liabilities
10/49 133,298122,206115,726119,171166,935312,718317,494324,376311,513355,735173,025132,631147,336156,09830,893
10/15 85,57582,34085,98670,50983,590217,688182,156158,068106,68166,83367,95465,40156,47544,84315,871
10/11 18,60018,60018,60018,60018,60018,60018,60018,60018,6006,2006,2006,2006,2006,2006,200
100 ------18,60018,60018,60018,60018,60018,60018,60018,60018,600
101 ---------12,40012,40012,40012,40012,40012,400
13 67,00067,00067,00051,86064,860196,860161,860136,86086,86060,27560,27550,27550,27538,6439,671
130/1 ---1,8601,8601,860---------
130 ------1,8601,8601,8601,8601,8601,8601,8601,8601,860
1311 ---1,8601,8601,860---------
133 67,00067,00067,00050,00063,000195,000160,000135,00085,00058,41558,41548,41548,41536,7837,811
14 -25-3,260386491302,2281,6962,6081,2213581,4798,926---
16 -----7,7317,7317,7317,7307,7317,7317,7317,7317,7317,731
160/5 -----7,7317,7317,7317,7307,7317,7317,7317,7317,7317,731
160 -----7,7317,7317,7317,7307,731-----
17/49 47,72339,86529,74048,66283,34587,299127,607158,577197,102281,17297,34059,49983,130103,5247,291
17 ---638--36,03683,222129,441178,3417,76611,146---
170/4 ---638--36,03683,222129,441178,3417,76611,146---
42/48 47,72339,86529,72348,02483,34587,29991,57175,15567,661100,83989,31648,24783,049103,4757,257
42 -06387,568-36,03647,18646,21956,10248,1703,3793,563---
43 03,047---2,90815,47112,0001,408------
430/8 03,047---2,90815,47112,0001,408------
44 30,42222,60711,9332,49024,0002,1722,0641,5861,73229,9292,1603,6652,3773561,333
440/4 30,42222,60711,9332,49024,0002,1722,0641,5861,73229,9292,1603,6652,3773561,333
45 17,30114,01317,15236,96553,56927,86015,57814,4278,4197,91231,77711,02030,67128,1195,924
450/3 17,30114,01314,15233,96553,56925,86013,07814,4278,4196,91231,77711,02030,67128,1195,924
454/9 -03,0003,000-2,0002,500--1,000-----
47/48 0198-1,0015,77618,32311,272923-14,82852,00030,00050,00075,000-
492/3 -017----200-1,992258106824935
Income statement
70 -------------116,00060,500
76A ---------826-----
9900 90,24346,14749,72936,073188,91653,61640,57179,34949,85713,51762,86752,00069,92970,79322,331
60/61 -------------49,80141,862
630 4,3724,6994,1073,9583419779761,1817721,7782,1445,2363,8023,487206
635/8 -----7,731---------7,731
640/8 1,96640,4402,5732,0407517388251,2051,6491,3011,8031,248419367964
66A 66,357--------------
9901 17,5471,00743,04830,075195,55651,90138,77076,96347,43610,43858,91945,51565,70866,93913,431
75/76B 40123011------020523150,0094
75 40123011------020523150,0094
65/66B 9,2501,10819,25740,264302,6541,9803,8926,5762,28810,1642,0871,129771,581118
65 9,2501,10819,25740,26452,6541,9803,8926,5762,28810,1642,0871,129771,581118
66B ----250,000----------
9903 8,69913023,802-10,189-107,09849,92134,87870,38745,14827456,85344,43865,662115,36713,317
67/77 5,4643,7768,3252,89227,00014,38910,79119,00017,7001,3964,2995,5134,03011,3963,646
9904 3,235-3,64615,477-13,081-134,09835,53224,08751,38727,448-1,12252,55438,92661,632103,9729,671
9905 3,235-3,64615,477-13,081-134,09835,53224,08751,38727,448-1,12252,55438,92661,632103,9729,671
Appropriation of the result
9906 -25-3,26015,526-12,951-131,87037,22826,69652,60827,80635861,47938,92661,632103,9729,671
14P -3,260386491302,228----------
791/2 ---13,000132,000----------
691/2 -015,140--35,00025,00050,00026,585-10,000-11,63228,9729,671
6920 --------------1,860
6921 -015,140--35,00025,00050,00026,585-10,000-11,63228,9727,811
694/7 ----------50,00030,00050,00075,000-
695 ----------50,00030,00050,00075,000-
Document PDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDF

The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.

Source: Annual accounts 2025 at the NBB, filed on 28-08-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank

2025 annual accounts filed 28 days after the deadline. Filed on 28 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00443193.

Financial year Type Filed Reference Document
31-12-2025 micro format 28-08-2026 2026-00443193 PDF
31-12-2024 micro format 31-07-2025 2025-00341944 PDF
31-12-2023 micro format 26-06-2024 2024-00161715 PDF
31-12-2022 micro format 29-06-2023 2023-00171053 PDF
31-12-2021 micro format 29-06-2022 2022-20104157 PDF
31-12-2020 micro format 30-06-2021 2021-26800501 PDF
31-12-2019 micro format 30-06-2020 2020-22400528 PDF
31-12-2018 micro format 28-06-2019 2019-23900103 PDF
31-12-2017 abbreviated format 02-07-2018 2018-25400477 PDF
31-12-2016 abbreviated format 26-09-2017 2017-62200588 PDF
31-12-2015 abbreviated format 29-11-2016 2016-68600276 PDF
31-12-2014 abbreviated format 30-09-2015 2015-61100393 PDF
31-12-2013 abbreviated format 27-09-2014 2014-62300170 PDF
31-12-2012 abbreviated format 30-09-2013 2013-61900084 PDF
31-12-2011 abbreviated format 25-09-2012 2012-57400221 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend202520242023202220212020201920182017201620152014201320122011
21,9205,70747,15634,034195,89652,87839,74678,14448,20812,21661,06450,75269,51070,42613,637
7,6071,05319,584-9,122-133,75736,50925,06352,56828,22065654,69844,16265,434107,4589,877
01,0381,0081,22618,10019801,949-1250,0007225,6751,0999,998463
-17,12814,2091,700-28,538------3,4306,690-45,51114,65327,330-
81,35473,74773,74955,79465,505-24,908-25,380-2,078-6,6793,59380,62779,87960,22245,85523,380
-------------57.7%22.2%
64.2%67.4%74.3%59.2%50.1%69.6%57.4%48.7%34.2%18.8%39.3%49.3%38.3%28.7%51.4%
2.702.853.482.161.790.710.720.970.901.041.902.661.731.444.22
0.560.480.350.691.000.400.701.001.854.211.430.911.472.310.46
3.8%-4.4%18.0%-18.6%-160.4%16.3%13.2%32.5%25.7%-1.7%77.3%59.5%109.1%231.9%60.9%
2.4%-3.0%13.4%-11.0%-80.3%11.4%7.6%15.8%8.8%-0.3%30.4%29.3%41.8%66.6%31.3%
2.375.152.450.853.72----------
-------------259 days80 days
-------------3 days12 days

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Investments

fixed assets acquired
Item20252024202320222021
Tangible fixed assets-€1,038€1,008€1,226€18,100
€4,372€4,699€4,107€3,958€341

Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)

Insights on CLOVADA

The operating result for 2025 is over 17 times that of 2024. It is a recovery after the fall in 2024.

Debt's share of the balance-sheet total rises from 32.6% to 35.8%. Equity and debt are higher.

Board & ownership

Board

1 director, last change in 2023
Director
since 03-04-2023
listed in the 2025 annual accounts, filed on 28-08-2026

Office holders in the KBO →

Mandates through the years

2 names, the dashed line is today

Director

Director (not named in the articles)
BoardEarlierend not dated
Mandates as a list
    • Director, from 01-09-2010 to date
    • Director (not named in the articles), appointed by deed of 05-04-2023, no longer listed in the 2025 annual accounts

See the board, name and registered office on a given date →

Control

See the annual accounts at the National Bank and the publications in the Belgian Official Gazette.

Capital

Contribution
€18,600
Source
2025 annual accounts

Articles of association

deed of 05-04-2023 (in Dutch)
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
First Monday of June at 20:00

Network & group

Holdings

own 2020 accounts, the bar shows equity in euros
This companyCLOVADA1 holding, 1 country 2020 accounts

Belgium 1 Equity Result

  • BE 50%bankrupt €89,523 result -€79,129

Source: list of holdings in its own 2020 accounts. Every holding stands with its own latest accounts.

Holdings through the years

2016 to 2020
Holdings through the years
Name20162017201820192020
50%

Source: list of holdings in its own accounts

Board mandates elsewhere

1 board mandate
Board mandates of CLOVADACLOVADA sits on their board1
Director
Founded in 2013 · total assets €220,252 (2025) · negative equity

Connections & network

1 current director
Depth

The board mandates are listed under Board mandates elsewhere. The network lets you explore the same ties.

This company Company Director Shareholding +N: links not shown yet Click a node to look further, drag to arrange, zoom with the mouse wheel.

Timeline

Timeline

30 events since 2010

Deadline for the 2026 accounts: 31-07-2027

2026
Registered office moved within TemseNew registered office: Viadukt 8, 9140 Temse · Previous registered office: Krijgsbaan 249, 9140 Temse · Board meeting of 21-09-20263 points ▸
  • Board meeting, 21-09-2026
  • Registered-office move, Viadukt 8, 9140 Temse
  • Power of attorney,

Open the deed in the Belgian Official Gazette

Annual accounts 2025 filed NBBmicro format · 28 days late
2025
Back to profit net €3,235 The net result is €3,235, after one loss-making year.
Annual accounts 2024 filed PDFmicro format · on the deadline day
Registered in the Peppol Directory Reachable for e-invoices through 0208:0829201134
2024
Annual accounts 2023 filed PDFmicro format · 35 days before the deadline
2023
Back to profit net €15,477 The net result is €15,477, after 2 loss-making years.
Annual accounts 2022 filed PDFmicro format · 32 days before the deadline
Change of role: , from manager to directorDirector discharge: 5 points ▸
  • 100 shares
  • Director resignation, (manager)
  • Director appointment, (director (not named in the articles))
  • Director discharge,
  • Registered office clause, Krijgsbaan 249, 9140 Temse
  • The deed holds 5 more points.

Open the deed in the Belgian Official Gazette

2022
Annual accounts 2021 filed PDFmicro format · 32 days before the deadline
2021
Weakest financial year net -€134,098 The net result drops to -€134,098, the lowest from 2011 to 2025. It recovers the following year.
Liquidity more than doubled current ratio 1.79 The current ratio rises from 0.71 to 1.79. Short-term debt falls from €87,299 to €83,345.
Annual accounts 2020 filed PDFmicro format · 31 days before the deadline
Registered office moved within TemseNew registered office: Krijgsbaan 249, 9140 Temse · Previous registered office: Viadukt 8, 9140 Temse · Board meeting of 23-02-20212 points ▸
  • Board meeting, 23-02-2021
  • Registered-office move, Krijgsbaan 249, 9140 Temse

Open the deed in the Belgian Official Gazette

2020
Equity above €200,000 equity €217,688 ▲19.5% After 4 profitable years in a row, equity reaches €217,688.
Annual accounts 2019 filed PDFmicro format · 31 days before the deadline
2019
Annual accounts 2018 filed PDFmicro format · 33 days before the deadline
2018
Equity above €150,000 equity €158,068 ▲48.2% After 2 profitable years in a row, equity reaches €158,068.
Annual accounts 2017 filed PDFabbreviated format · 29 days before the deadline
2017
Back to profit net €27,448 The net result is €27,448, after one loss-making year.
Equity above €100,000 equity €106,681 ▲59.6% Equity rises from €66,833 to €106,681.
Annual accounts 2016 filed PDFabbreviated format · 57 days late
2016
Annual accounts 2015 filed PDFabbreviated format · 121 days late
2015
Annual accounts 2014 filed PDFabbreviated format · 61 days late
2014
Annual accounts 2013 filed PDFabbreviated format · 58 days late
2013
Annual accounts 2012 filed PDFabbreviated format · 61 days late
2012
Highest result from 2011 to 2025 net €103,972 ▲975% The net result of €103,972 is the highest of those years.
Annual accounts 2011 filed PDFabbreviated format · 56 days late
2010
Incorporation PDFpublished on 22-09-2010
First establishment Viadukt 8, Temse

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

On 13 September 2010, CLOVADA was incorporated.1 In 2021 the registered office moved to Temse.2 Total assets went from €324,376 in 2018 to €133,298 in 2025.3

  1. 1KBO register
  2. 2Belgian Official Gazette, 05-03-2021
  3. 3National Bank, annual accounts 2018 and 2025

Company details

Identity

Enterprise number
0829.201.134
VAT number
BE 0829.201.134
Peppol ID
0208:0829201134
Other Peppol ID
9925:BE0829201134
Legal form
Private limited company
Status
Active, normal situation
Founded
13-09-2010
Financial year
ends on 31 December
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
First Monday of June at 20:00
deed of 05-04-2023 (in Dutch)
Peppol
Reachable since 26-05-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
CLOVADA in Dutch
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 05-04-2023 (in Dutch)
Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Vlaams Gewest”
deed of 05-04-2023 (in Dutch)

Activities

NACEBEL 2025
70200 Business and other management consultancy main activity
Codes under NACEBEL 2008
70220 Business consulting main activity
PurposeThe purpose describes the activities the company may carry out under its articles.
“Het management,de leiding en het bestuur van ondernemingen en ven-nootschappen; Dienstverlening en adviesverstrekking aan ondernemingen op…”
9 activities
  1. Het management,de leiding en het bestuur van ondernemingen en ven-nootschappen.
  2. Dienstverlening en adviesverstrekking aan ondernemingen op administratief en commercieel vlak.
  3. Alle handelingen op het vlak van vastgoed, onder meer de aankoop, verkoop, ruil, beheer, verhuur, leasing en eventuele financiële of andere technieken om onroerende goederen te verwerven, te verhandelen, en zo meer, in de meest ruime zin van het woord, behoudens deze voorbehouden aan vastgoedmakelaars.
  4. Electrische installatie , loodgieterswerk, installatie van sanitair, verwarming en klimaatregeling, isolatiewerkzaamheden. Plaatsen van dakbedekking in alle soorten materialen. Plaatsen van dakgoten en regenafvoerbuizen.
  5. Montage van alle soorten binnen-en buitenschrijnwerk in hout, kunststof of metaal. Montage van serre’s, veranda’s, garagepoorten, luiken, zonnewering, hekken en afsluitingen. Montage van al dan niet verplaatsbare tussenwanden in alle soorten materialen.
  6. Vloer-en plafondafwerking en behangen. Plaatsen van vloer-en wandtegels, de bekleding van wanden, vloeren en plafonds met alle soorten materialen. Schilderwerken binnen en buiten.
  7. Groothandel en kleinhandel in artikelen voor wooninrichting, verlichtings-artikelen, meubelen en decoratie-artikelen.
  8. Organisatie en verzorgen van evenementen en feesten voor particulieren en bedrijven, gastronomische weekends ,bruiloften, banketten, cocktails, lunches, recepties in de ruimste zin van het woord.
  9. De groot- en kleinhandel in voedingswaren in de meest ruime betekenis.
deed of 05-04-2023 (in Dutch)

Registered office and establishments

1 establishment
Establishment Since Unit number
Viadukt 8 registered office 9140 Temse 01-09-2010 2.192.894.242

Buildings and parcels at the address

Ground area
257 m²
Buildings
147 m²
Volume, LiDAR
970 m³
Tallest building
12.1 m
Buildings to scale, each on its own parcel
147 m², 12.1 m 147 m², 12.1 m

Location

registered office establishment The establishment unit on the map

Parcels

Cadastral parcelArea Buildings Height / floors
46302D1409/00F005257 m² 1 · 147 m² 12.1 m · 2

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