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CLOVER ACCT

Bankruptcy
Private limited companyfounded 2020Chemin de Renval 36, 6600 Bastogne, BelgiumKBO/BCE: BE 0755.944.655
Summary

The KBO register records for CLOVER ACCT the legal situation: open bankruptcy; this is today's state according to the register itself, which carries no start date. The 2023 annual accounts show negative equity (-€341,596) and a net result of -€165,956.

Are you a creditor?

Open bankruptcy Source: KBO register

The KBO register records a bankruptcy for this company. If it owes you money, you are not paid automatically: you file your claim yourself.

The procedure

The publication of the judgment is not in our data. Court, date and curator are in RegSol: search by the enterprise number.

What to do now

  1. Do not deliver on credit any more without an agreement with the curator.
  2. Gather your documents: invoices, purchase orders, contract, delivery notes and reminders.
  3. File your proof of claim in RegSol (regsol.be), yourself with eID or itsme, or through your lawyer. State principal, interest and costs separately, and any preferential right you hold.
  4. Delivered under retention of title? Reclaim your goods before the first report on the verification of claims.
  5. Ask your accountant about the VAT on the unpaid invoices: in a bankruptcy it can be recovered under conditions.
  6. Follow the file in RegSol: the verification report (admitted or disputed) and the curator's reports appear there.

Deadlines: the judgment sets the last day to file your claim, by law at most thirty days after the judgment, and the day of the first verification report. Both dates are in the publication in the Official Gazette and in RegSol; Checked does not read them yet. A late claim is sometimes still possible, but not without consequences.

File a claim in RegSol ↗ Watch Follow this bankruptcy: you are alerted when it is closed or reversed.

General information, not legal advice. If in doubt, the curator, your lawyer or your accountant can help.Creditor guide for this company

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Signals

Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Register: open bankruptcy
The KBO register records the legal situation: open bankruptcy. This is today's state according to the register itself; the register carries no start date.
KBO · legal situation
neutral · Filed after the deadline
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 29-08-2024, 29 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 · 3 filings
Deviation from the deadline
2025
not confirmed
2024
not filed
2023
29 d late
2022
70 d late
2021
116 d late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 3 accounts on average 72 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 9 October 2020, CLOVER ACCT was incorporated as a Private limited company.1 Total assets went from EUR 2.1 million in 2021 to EUR 1.9 million in 2023.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2021 and 2023

Go further with this company

Investigating this company? Keep it with today's facts in a case file.

Financials · fiscal year 2023, micro schema

Turnover
€34,616
EBIT margin
-82.0%
Net result
-€165,956▼ 37.6%
2022 · -€120,641
Working capital
-€335,899
Trend over the years
In euros
In euros
No line ticked in this group.

Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.

Every figure with its change against the fiscal year before
favourable unfavourable
Line202120222023
Turnover€34,616-
Operating result-€28,400--€65,851▼ 132%-€111,758▼ 69.7%
Net result-€54,999--€120,641▼ 119%-€165,956▼ 37.6%
EBIT margin-82.0%-
Equity-€54,999--€175,640▼ 219%-€341,596▼ 94.5%
Total assets€2.1m-€2.0m▼ 5.2%€1.9m▼ 4.2%
Debt€2.2m-€2.2m▲ 0.6%€2.3m▲ 3.8%
Working capital-€335,899-
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€200,000-€150,000-€100,000-€50,000€0Operating result 2021: -€28,400-€28,400Net result 2021: -€54,999-€54,999Operating result 2022: -€65,851-€65,851Net result 2022: -€120,641-€120,641Operating result 2023: -€111,758-€111,758Net result 2023: -€165,956-€165,956202120222023-€200,000-€150,000-€100,000-€50,000€0Operating result 2021: -€28,400-€28,400Net result 2021: -€54,999-€55,000Operating result 2022: -€65,851-€65,900Net result 2022: -€120,641-€121,000Operating result 2023: -€111,758-€112,000Net result 2023: -€165,956-€166,000202120222023
The operating result stays negative: a loss of €111,758 in 2023 against €65,851 in 2022; the loss grows and 2023 has the lowest result in the available series.
Key figures and ratios
2023 value · change against 2022
EBITDA
-€2,343▼
2022 · €42,630
Cash flow
-€56,542▼
2022 · -€12,160
Solvency
-17.9%▼
2022 · -8.8%
Debt to equity
-6.60▲
2022 · -12.37
ROA
-8.7%▼
2022 · -6.0%
Interest coverage
-0.04▼
2022 · 0.78
Debt ≤ 1 year
€546,173▲
2022 · €386,318
Debt > 1 year
€1.7m▼
2022 · €1.8m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2023 against 2022 · 29 lines
Balance sheet Code20222023
Assets
Total assets20/58€2.0m€1.9m▼
Formation expenses20€718€459▼
Fixed assets21/28€2.0m€1.9m▼
Tangible fixed assets22/27€2.0m€1.9m▼
Land and buildings22€2.0m€1.9m▼
Equity and liabilities
Total equity and liabilities10/49€2.0m€1.9m▼
Equity10/15-€175,640-€341,596▼
Profit (loss) carried forward14-€175,640-€341,596▼
Amounts payable17/49€2.2m€2.3m▲
Amounts payable after more than one year17€1.8m€1.7m▼
Financial debts170/4€1.8m€1.7m▼
Amounts payable within one year42/48€386,318€546,173▲
Current portion of amounts payable after more than one year42€82,245€97,284▲
Financial debts43€9,448€146,873▲
Credit institutions430/8€9,448€146,873▲
Trade debts44€965€2,343▲
Suppliers440/4€965€2,343▲
Other amounts payable47/48€293,659€299,674▲
Income statement Code20222023
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€108,481€109,414▲
Other operating charges640/8-€1
Gross operating margin9900€42,630-€2,343▼
Operating profit (loss)9901-€65,851-€111,758▼
Financial charges65/66B€54,790€54,198▼
Recurring financial charges65€54,790€54,198▼
Profit (loss) for the period before taxes9903-€120,641-€165,956▼
Profit (loss) for the period9904-€120,641-€165,956▼
Profit (loss) for the period to be appropriated9905-€120,641-€165,956▼
Appropriation of the result
Profit (loss) to be appropriated9906-€175,640-€341,596▼
Profit (loss) brought forward from the previous period14P-€54,999-€175,640▼

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line202120222023Change
Turnover70€34,616---
Goods, raw materials, services and sundry goods60/61€3,199---
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€59,818€108,481€109,414▲ 0.9%
Other operating charges640/8--€1-
Gross operating margin9900€31,417€42,630-€2,343▼ 105%
Operating profit (loss)9901-€28,400-€65,851-€111,758▼ 69.7%
Financial charges65/66B€26,599€54,790€54,198▼ 1.1%
Recurring financial charges65€26,599€54,790€54,198▼ 1.1%
Profit (loss) for the period before taxes9903-€54,999-€120,641-€165,956▼ 37.6%
Profit (loss) for the period9904-€54,999-€120,641-€165,956▼ 37.6%
Profit (loss) for the period to be appropriated9905-€54,999-€120,641-€165,956▼ 37.6%
Line202120222023Change
Assets
Total assets20/58€2.1m€2.0m€1.9m▼ 4.2%
Formation expenses20-€718€459▼ 36.1%
Fixed assets21/28€2.1m€2.0m€1.9m▼ 4.2%
Intangible fixed assets21€977---
Tangible fixed assets22/27€2.1m€2.0m€1.9m▼ 4.2%
Land and buildings22€2.1m€2.0m€1.9m▼ 4.2%
Current assets29/58€11---
Cash at bank and in hand54/58€11---
Equity and liabilities
Total equity and liabilities10/49€2.1m€2.0m€1.9m▼ 4.2%
Equity10/15-€54,999-€175,640-€341,596▼ 94.5%
Profit (loss) carried forward14-€54,999-€175,640-€341,596▼ 94.5%
Amounts payable17/49€2.2m€2.2m€2.3m▲ 3.8%
Amounts payable after more than one year17€1.8m€1.8m€1.7m▼ 4.4%
Financial debts170/4€1.8m€1.8m€1.7m▼ 4.4%
Amounts payable within one year42/48€335,910€386,318€546,173▲ 41.4%
Current portion of amounts payable after more than one year42€74,982€82,245€97,284▲ 18.3%
Financial debts43€2€9,448€146,873▲ 1,454%
Credit institutions430/8€2€9,448€146,873▲ 1,454%
Trade debts44-€965€2,343▲ 143%
Suppliers440/4-€965€2,343▲ 143%
Other amounts payable47/48€260,926€293,659€299,674▲ 2.0%
Line202120222023Change
Profit (loss) for the period9904-€54,999-€120,641-€165,956▼ 37.6%
+ Depreciation and write-downs630€59,818€108,481€109,414▲ 0.9%
Operating cash flow (approximation)€4,818-€12,160-€56,542▼ 365%
Investment in fixed assets (approximation)-€718-€25,484▼ 3,649%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2024
29-08
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial Weakest financial yearnet -€165,956
Net result drops to -€165,956, the lowest in the series.
09-10
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 70 days late
2022
24-11
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 116 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.

Have them read with priority Sign in to place this company at the front of the reading queue.

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, Bastogne
exact location from the address register On OpenStreetMap
Ground area
1,047 m²
Building footprint
204 m²
Volume, LiDAR
943 m³
Parcel 82003E1417/00W000, Wallonia · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
82003E1417/00W000 Wallonia 1,047 m² 1 · 204 m² 7.2 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.

Identification & contact

Identification
Legal formPrivate limited company
Founded09-10-2020
Fiscal year end31-12
Contact
E-mail jacquespleyers@gmail.com
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

Register as of 30 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.