Financials
- Fiscal year
- 2025
- Total assets
- €404,744
- Loss
- -€33,892
- Solvency
- 40.9%
Total assets▼ 15.2%
Net result
20182025
CLOVER STABLES
ActiveSummary
CLOVER STABLES has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €165,707 and a net result of -€33,892. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 57% of 3375 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Overview
What they do
Raising of horses and other equines
NACE 01430
1 site
How big
€404,744total assets 2025
- Equity
- €165,707
- Loss
- -€33,892
Turnover not published (abridged schema)
Who decides
Accounts 16 d early0 of 5 deeds read
Why 87- Loss of €33,892, the second in a row (FY 2025)+ Size: total assets €404,744+ Sector Crop and animal production, hunting and related service activities (NACE 01)+ Figures for FY 2025 (filed 15-07-2026)Show the evidence
Checked score
Score 2025
87
/ 100
Excellent
Probability in this band: under 0.55%
Better than 37% of its sector peers (NACE 01, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Weak
Solvency
66-1
equity 40.9% of total assets
Liquidity
57-10
short-term debt 9.2% · cash 5.5%
Profitability
12=
return on assets -8.4%
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
- Loss of €33,892, the second in a row (FY 2025) raises the probability
- Size: total assets €404,744 lowers the probability for this profile
- Sector Crop and animal production, hunting and related service activities (NACE 01) lowers the probability
- Figures for FY 2025 (filed 15-07-2026) lowers the probability
Credit up to €14,000 at 30 days acceptable
Liquidity ample (current ratio 2.86 against 5.43 in 2024; short-term debt: 9.2% and cash: 5.5% of total assets), but 59.1% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 01, micro). Better than this share of them on solvency 56%, liquidity 64%, profitability 12%, growth against the median 16%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610020317, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€33,892
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 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
on the day
2023
22 d late
2022
32 d late
2021
59 d late
2020
61 d late
2019
61 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 31 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 37% 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. Usually files around 23 August (4 of the last 5 filed years within 36 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Weakest financial yearnet -€33,892
- Annual accounts filedfiscal year 2024 · micro…
Key points
By topic
Timeline
- Events
- 16
- Since
- 2017
- Next accounts
- by 31-07-2027
- 15-07-2026Annual accounts filed
- 31-12-2025Weakest financial year
- 31-07-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Raising of horses and other equinesNACE 01430
- Founded
- 08-05-2008
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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