CLOVIA
ActiveCLOVIA has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €300k and a net result of €-36k. Equity is shrinking by ~16.8% per year across the filed fiscal years. Its solvency ranks better than 18% of 1403 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2024
15
/ 100
Critical▼ -12 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0=
Solvency13▼-16
Growth32=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.84 against 1.44 in 2023), and 92% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
8%
Return on assets
-0.9%
Age of the figures
20 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
21222324
2021 to 2024 · latest year -€36k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 1403 sector peers (2024).
NBB · sector comparisonPosition among 1403 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
141 d late
2022
61 d late
2021
79 d late
2020
31 d late
2019
32 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€300k▼ 27.5%
2023 · €414k
2021: €504k
2022: €500k
2023: €414k
2021 → 2024
Total assets
€3.74M▲ 4.2%
2023 · €3.59M
2021: €3.10M
2022: €3.56M
2023: €3.59M
2021 → 2024
Net result
€-36k▲ 83.7%
2023 · €-218k
2021: €-19k
2022: €-4k
2023: €-218k
2021 → 2024
Working capital
€-411k
2023 · €569k
2021: €274k
2022: €402k
2023: €569k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€504k-€500k▼ 0.9%€414k▼ 17.1%€300k▼ 27.5%
Operating result€855-€40k▲ 4,590%€-176k€99k
Net result€-19k-€-4k▲ 76.3%€-218k▼ 4,871%€-36k▲ 83.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €99k after a loss of €176k in 2023, the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €3.74M
Fixed assets
€1.63M▼ 6.0%
Current assets
€2.11M▲ 13.8%
Equity and liabilities €3.74M
Equity
€300k▼ 27.5%
Debt
€3.44M▲ 8.4%
The debt ratio rises from 88.5% to 92.0%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€171k▲
2023 · €-176k
Cash flow
€37k▲
2023 · €-218k
Solvency
8.0%▼
2023 · 11.5%
Current ratio
0.84▼
2023 · 1.44
Quick ratio
0.84▼
2023 · 1.44
Debt / equity
11.47▲
2023 · 7.67
ROE
-11.8%▲
2023 · -52.6%
ROA
-0.9%▲
2023 · -6.1%
Interest coverage
1.27▲
2023 · -4.62
Debt
€3.44M▲
2023 · €3.18M
Debt ≤ 1 year
€2.52M▲
2023 · €1.28M
Debt > 1 year
€448k▼
2023 · €1.39M
Income taxes
€0▼
2023 · €4k
Staff costs
€11k▲
2023 · €4k
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 · 2024 against 2023
Balance sheet
Code20232024
Total assets
20/58€3.59M€3.74M▲
Fixed assets
21/28€1.74M€1.63M▼
Tangible fixed assets
22/27€1.74M€1.63M▼
Financial fixed assets
28€524€524=
Current assets
29/58€1.85M€2.11M▲
Amounts receivable within one year
40/41€211k€320k▲
Investments
50/53€1.28M€1.28M=
Cash & bank
54/58€141k€393k▲
Total equity & liabilities
10/49€3.59M€3.74M▲
Equity
10/15€414k€300k▼
Contributions / capital
10/11€459k€459k=
Reserves
13€6k€6k=
Accumulated profits (losses)
14€-451k€-565k▼
Amounts payable
17/49€3.18M€3.44M▲
Amounts payable after one year
17€1.39M€448k▼
Amounts payable within one year
42/48€1.28M€2.52M▲
Trade debts payable within one year
44€156k€117k▼
Income statement
Code20232024
Gross operating margin
9900€61k€192k▲
Operating result
9901€-176k€99k▲
Financial income
75€2€143▲
Financial charges
65€38k€134k▲
Result before taxes
9903€-214k€-36k▲
Income taxes
67/77€4k€0▼
Net result for the period
9904€-218k€-36k▲
Result to be appropriated
9905€-218k€-36k▲
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 61 days late
30-04
State Gazette act
Registered-office change
Thomas Cleymans
2024
19-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 141 days late
2023
31-12
Financial
Weakest financial yearnet €-218k
Net result drops to €-218k, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 61 days late
2022
18-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 79 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 61 days late
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 57 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
2016
30-09
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 61 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 8 acts read
About the unread acts
Of the 8 Belgian State Gazette acts we know for this company, 1 has been read. The other 7 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
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Of 13,400 companies in sector 73300 we hold annual accounts for 6,773. 4,786 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-06-2005
Fiscal year end31-12
Trade name NL
OcL Group
Activities, NACEBEL
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
74141
74142
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 1 actNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 10-08-2026. Scores and ratios are computed by Checked and are not a credit decision.