CLOVER INC
ActiveCLOVER INC has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.14M and a net result of €214k. Equity is growing by ~17% per year across the filed fiscal years. Its solvency ranks better than 73% of 6974 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▼-1
Solvency100▲+19
Growth78=
Track record94
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €90k at 30 days acceptable
Liquidity ample (current ratio 3.54 against 0.98 in 2024; short-term debt: 2.9% and cash: 9.1% of total assets), and 23.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
76.7%
Return on assets
14.4%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-06-2026, 31 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
31 d early
2024
31 d early
2023
19 d early
2022
30 d late
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.14M▲ 18.6%
2024 · €961k
2022: €741k
2023: €766k
2024: €961k
2022 → 2025
Total assets
€1.49M▼ 13.9%
2024 · €1.73M
2022: €1.06M
2023: €1.35M
2024: €1.73M
2022 → 2025
Net result
€214k▼ 18.3%
2024 · €262k
2022: €33k
2023: €116k
2024: €262k
2022 → 2025
Working capital
€108k
2024 · €-7k
2022: €215k
2023: €116k
2024: €-7k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€741k-€766k▲ 3.4%€961k▲ 25.6%€1.14M▲ 18.6%
Operating result€61k-€175k▲ 189%€344k▲ 96.9%€334k▼ 2.9%
Net result€33k-€116k▲ 251%€262k▲ 126%€214k▼ 18.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.49M
Fixed assets
€1.34M▼ 1.5%
Current assets
€150k▼ 59.4%
Equity and liabilities €1.49M
Equity
€1.14M▲ 18.6%
Debt
€346k▼ 54.8%
The debt ratio falls from 44.3% to 23.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€363k▼
2024 · €425k
Cash flow
€242k▼
2024 · €343k
Solvency
76.7%▲
2024 · 55.7%
Current ratio
3.54▲
2024 · 0.98
Quick ratio
3.54▲
2024 · 0.98
Debt / equity
0.30▼
2024 · 0.80
ROE
18.8%▼
2024 · 27.3%
ROA
14.4%▼
2024 · 15.2%
Interest coverage
27.63▼
2024 · 58.86
Debt
€346k▼
2024 · €765k
Debt ≤ 1 year
€43k▼
2024 · €377k
Debt > 1 year
€303k▼
2024 · €388k
Income taxes
€119k▲
2024 · €91k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.73M€1.49M▼
Fixed assets21/28€1.36M€1.34M▼
Tangible fixed assets22/27€726k€705k▼
Land and buildings22€671k€661k▼
Furniture and vehicles24€55k€44k▼
Financial fixed assets28€630k€630k=
Current assets29/58€371k€150k▼
Amounts receivable within one year40/41€344k€15k▼
Trade receivables40€45k-
Other amounts receivable41€299k€15k▼
Cash at bank and in hand54/58€27k€135k▲
Equity and liabilities
Total equity and liabilities10/49€1.73M€1.49M▼
Equity10/15€961k€1.14M▲
Contributions10/11€375k€375k=
Reserves13€587k€766k▲
Non-distributable reserves130/1€49k€49k=
Reserves not available under the articles1311€49k€49k=
Distributable reserves133€538k€717k▲
Amounts payable17/49€765k€346k▼
Amounts payable after more than one year17€388k€303k▼
Financial debts170/4€388k€303k▼
Amounts payable within one year42/48€377k€43k▼
Current portion of amounts payable after more than one year42€51k€38k▼
Trade debts44€51k€881▼
Suppliers440/4€51k€881▼
Taxes, remuneration and social security45€15k€4k▼
Taxes450/3€15k€4k▼
Other amounts payable47/48€260k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€81k€28k▼
Other operating charges640/8€16k€20k▲
Gross operating margin9900€441k€383k▼
Operating profit (loss)9901€344k€334k▼
Financial income75/76B€16k€11k▼
Recurring financial income75€16k€11k▼
Financial charges65/66B€7k€13k▲
Recurring financial charges65€7k€13k▲
Profit (loss) for the period before taxes9903€353k€333k▼
Income taxes67/77€91k€119k▲
Profit (loss) for the period9904€262k€214k▼
Profit (loss) for the period to be appropriated9905€262k€214k▼
Appropriation of the result
Profit (loss) to be appropriated9906€262k€214k▼
Transfer from equity791/2€67k€35k▼
Transfer to equity691/2€262k€214k▼
To other reserves6921€262k€214k▼
Profit to be distributed694/7€67k€35k▼
Return on contributions (dividend)694€67k€35k▼
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity quadruplescurrent ratio 3.54
Current ratio from 0.98 to 3.54; short-term debt falls from €377k to €43k.
31-12
Financial
Equity above €1MEq €1.14M ▲18.6%
4 profitable years in a row build equity to €1.14M.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €262k ▲126%
Operating result €344k, net result €262k, both a record.
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are 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, Machelen (Brab.) · 1 establishment unit since 2022
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Kerklaan 561830 Machelen (Brab.)Ground area
2,546 m²
Building footprint
1,659 m²
Volume, LiDAR
8,505 m³
Parcel 23047A0139/00N003, Flanders · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DE BRUYN MACHELEN
since 20222.334.629.850
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23047A0139/00N003 | Flanders | 2,546 m² | 1 · 1,658 m² | 7.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 13,426 companies in sector 73300 we hold annual accounts for 6,900. 2,828 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-07-2022
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.