Clover Properties
ActiveClover Properties has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €9k and a net result of €9k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 66% of 13936 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency76▲+48
Growth32=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 1.86 against 0.85 in 2024; short-term debt: 49.1% and cash: 26.4% of total assets), and 49.1% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
50.9%
Return on assets
47.6%
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
3 d early
2023
8 d early
2022
29 d late
2021
31 d late
2020
31 d late
2019
31 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
€9k▲ 1,435%
2024 · €613
2018: €20k
2019: €6k
2020: €2k
2021: €17k
2022: €7k
2023: €10k
2024: €613
2018 → 2025
Total assets
€18k▼ 14.7%
2024 · €22k
2018: €30k
2019: €20k
2020: €18k
2021: €36k
2022: €27k
2023: €28k
2024: €22k
2018 → 2025
Net result
€9k
2024 · €-10k
2018: €12k
2019: €-14k
2020: €-4k
2021: €15k
2022: €-10k
2023: €3k
2024: €-10k
2018 → 2025
Working capital
€8k
2024 · €-3k
2018: €17k
2019: €4k
2020: €-12k
2021: €6k
2022: €-5k
2023: €3k
2024: €-3k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€17k-€7k▼ 56.7%€10k▲ 41.9%€613▼ 94.2%€9k▲ 1,435%
Operating result€17k-€-9k€6k€-10k€12k
Net result€15k-€-10k€3k€-10k€9k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €12k after a loss of €10k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €18k
Fixed assets
€2k▼ 56.4%
Current assets
€17k▼ 6.0%
Equity and liabilities €18k
Equity
€9k▲ 1,435%
Debt
€9k▼ 56.9%
The debt ratio falls from 97.2% to 49.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€14k▲
2024 · €-5k
Cash flow
€11k▲
2024 · €-5k
Solvency
50.9%▲
2024 · 2.8%
Current ratio
1.86▲
2024 · 0.85
Quick ratio
1.86▲
2024 · 0.85
Debt / equity
0.96
ROE
93.5%
ROA
47.6%▲
2024 · -45.6%
Interest coverage
136.11▲
2024 · -18.21
Debt
€9k▼
2024 · €21k
Debt ≤ 1 year
€9k▼
2024 · €21k
Income taxes
€3k▲
2024 · €64
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€22k€18k▼
Fixed assets21/28€4k€2k▼
Tangible fixed assets22/27€3k€1k▼
Furniture and vehicles24€2k€719▼
Other tangible fixed assets26€1k€554▼
Financial fixed assets28€363€363=
Current assets29/58€18k€17k▼
Amounts receivable within one year40/41€14k€12k▼
Trade receivables40€12k€8k▼
Other amounts receivable41€2k€4k▲
Cash at bank and in hand54/58€3k€5k▲
Deferred charges and accrued income490/1€863-
Equity and liabilities
Total equity and liabilities10/49€22k€18k▼
Equity10/15€613€9k▲
Contributions10/11€30k€30k=
Profit (loss) carried forward14€-29k€-21k▲
Amounts payable17/49€21k€9k▼
Amounts payable within one year42/48€21k€9k▼
Trade debts44€9k€4k▼
Suppliers440/4€9k€4k▼
Taxes, remuneration and social security45€4k€3k▼
Taxes450/3€4k€3k▼
Other amounts payable47/48€7k€1k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€2k▼
Other operating charges640/8€358€2k▲
Gross operating margin9900€-4k€15k▲
Operating profit (loss)9901€-10k€12k▲
Financial income75/76B€19€3▼
Recurring financial income75€19€3▼
Financial charges65/66B€263€101▼
Recurring financial charges65€263€101▼
Profit (loss) for the period before taxes9903€-10k€12k▲
Income taxes67/77€64€3k▲
Profit (loss) for the period9904€-10k€9k▲
Profit (loss) for the period to be appropriated9905€-10k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-29k€-21k▲
Profit (loss) brought forward from the previous period14P€-20k€-29k▼
The notes to these accounts (5 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 1.86
Current ratio from 0.85 to 1.86; short-term debt falls from €21k to €9k.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €15k
Net result €15k after 2 loss-making years.
31-12
Financial
Liquidity quadruplescurrent ratio 1.31
Current ratio from 0.29 to 1.31.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Weakest financial yearnet €-14k ▼221%
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Drogenbos · 1 establishment unit since 2016
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.
Grote Baan 26 / E1620 DrogenbosGround area
4,417 m²
Building footprint
682 m²
Volume, LiDAR
4,129 m³
2 parcels, Brussels, Flanders · tallest building 12.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CLOVER PROPERTIES
since 20162.249.129.892
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22001B0242/00G003 | Flanders | 4,076 m² | 1 · 337 m² | 12.4 m · 2 fl. |
| 21016B0004/00T002 | Brussels | 341 m² | 1 · 344 m² | 12.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 11,751 companies in sector 68310 we hold annual accounts for 6,908. 2,854 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-01-2016
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
68312Real estate activities
68321Property management for co-owned buildings (syndics)
68322Real estate appraisal on a fee or contract basis
Sources
Crossroads Bank for EnterprisesNational Bank · 10 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.