CLOVIA
CLOVIA 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).
| Equity | €300k |
| Net result | €-36k |
| Staff (FTE) | 0.5 |
| Better than sector | 18% |
Fragile profile, watch profitability in particular.
All 5 axes are computed from data Checked has read.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 8.0% | 42.8% | |
| Net result | €-36k | €26k | |
| Equity | €300k | €249k | |
| Gross operating margin | €192k | €119k | |
| Staff costs | €11k | €255k |
Figures by fiscal year and ratios
| Fiscal year | 2024 Δ | 2023 Δ | 2022 Δ | 2021 Δ |
|---|---|---|---|---|
| Deposit | abbreviated schema | abbreviated schema | abbreviated schema | abbreviated schema |
| Revenue | - | - | - | - |
| EBITDA | - | - | -6.4% | - |
| Net profit | +83.7% | -4870.6% | +76.3% | - |
| Cash flow | - | - | -19.0% | - |
| Staff costs | +186.6% | - | - | - |
| Income taxes | -100.0% | - | - | - |
| Dividends | - | - | - | - |
| Total assets | +4.2% | +1.0% | +14.6% | - |
| Equity | -27.5% | -17.1% | -0.9% | - |
| Debt | +8.4% | +3.9% | +17.6% | - |
| of which ≤ 1y | +96.3% | +43.1% | +114.8% | - |
| of which > 1y | -67.7% | -13.2% | -3.1% | - |
| Working capital | - | +41.6% | +46.6% | - |
| Employees (FTE) | - | - | - | - |
| 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|
| Current ratio | 0.84 | 1.44 | 1.45 | 1.66 |
| Quick ratio | 0.84 | 1.44 | 1.45 | 1.66 |
| Working capital ratio | -11.0% | 15.8% | 11.3% | 8.8% |
| Solvency | 8.0% | 11.5% | 14.0% | 16.2% |
| Debt / equity | 11.47 | 7.67 | 6.12 | 5.16 |
| Long-term debt ratio | 1.49 | 3.35 | 3.20 | 3.27 |
| Interest coverage | 1.27 | -4.62 | 4.82 | 9.19 |
| Gross margin | - | - | - | - |
| Net margin | - | - | - | - |
| ROA | -0.9% | -6.1% | -0.1% | -0.6% |
| ROE | -11.8% | -52.6% | -0.9% | -3.7% |
| EBITDA margin | - | - | - | - |
| Days sales outstanding | - | - | - | - |
| Days payable outstanding | - | - | - | - |
| Inventory turnover | - | - | - | - |
| Days inventory (DSI) | - | - | - | - |
Full annual accounts (25 line items)
| Line item | Code | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Balance sheet, Assets | |||||
| TOTAL ASSETS | 20/58 | €3.74M | €3.59M | €3.56M | €3.10M |
| Fixed assets | 21/28 | €1.63M | €1.74M | €2.26M | €2.41M |
| Tangible fixed assets | 22/27 | €1.63M | €1.74M | €2.26M | €2.41M |
| Financial fixed assets | 28 | €524 | €524 | €524 | €524 |
| Current assets | 29/58 | €2.11M | €1.85M | €1.30M | €691k |
| Amounts receivable within one year | 40/41 | €320k | €211k | €712k | €483k |
| Investments | 50/53 | €1.28M | €1.28M | €17k | - |
| Cash & bank | 54/58 | €393k | €141k | €229k | €71k |
| Balance sheet, Equity & liabilities | |||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €3.74M | €3.59M | €3.56M | €3.10M |
| Equity | 10/15 | €300k | €414k | €500k | €504k |
| Contributions / capital | 10/11 | €459k | €459k | €459k | €459k |
| Reserves | 13 | €6k | €6k | €6k | €6k |
| Accumulated profits (losses) | 14 | €-565k | €-451k | €-233k | €-228k |
| Amounts payable | 17/49 | €3.44M | €3.18M | €3.06M | €2.60M |
| Amounts payable after one year | 17 | €448k | €1.39M | €1.60M | €1.65M |
| Amounts payable within one year | 42/48 | €2.52M | €1.28M | €897k | €417k |
| Trade debts payable within one year | 44 | €117k | €156k | €55k | €3k |
| Income statement | |||||
| Gross operating margin | 9900 | €192k | €61k | €272k | €292k |
| Operating result | 9901 | €99k | €-176k | €40k | €855 |
| Financial income | 75 | €143 | €2 | €1 | €6k |
| Financial charges | 65 | €134k | €38k | €45k | €25k |
| Result before taxes | 9903 | €-36k | €-214k | €-4k | €-19k |
| Income taxes | 67/77 | €0 | €4k | - | - |
| Net result for the period | 9904 | €-36k | €-218k | €-4k | €-19k |
| Result to be appropriated | 9905 | €-36k | €-218k | €-4k | €-19k |
| NACE primary | Public relations and communication consultancy(73300) |
| Legal form | Private limited company(610) |
| Incorporation | 14-06-2005 |
| Status | Active |
| Postal code | 3090 |
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23546L0778/00F000 | Flanders | 1,088 m² | 1 · 160 m² | - |
| 23402E0176/00B000 | Flanders | 609 m² | 1 · 483 m² | 16.7 m · 5 fl. |
We know of 8 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
30-04-2025 Registered office moved from Sint-Pieters-Woluwe to Overijse
- Roger Vandendriesschelaan 40 1150 Sint-Pieters-Woluwe → 3090 Overijse, Hagaard 8
Technical details
{
"events": [
{
"kind": "zetel_transfer_cross_border_in",
"seat_type": "siege_administratif",
"new_address": {
"raw": "3090 Overijse, Hagaard 8",
"city": "Overijse",
"region": "vlaams_gewest",
"street": "Hagaard",
"country": "BE",
"postcode": "3090",
"box_number": null,
"street_number": "8",
"locality_suffix": null
},
"old_address": {
"raw": "Roger Vandendriesschelaan 40 1150 Sint-Pieters-Woluwe",
"city": "Sint-Pieters-Woluwe",
"region": "brussels_hoofdstedelijk_gewest",
"street": "Roger Vandendriesschelaan",
"country": "BE",
"postcode": "1150",
"box_number": null,
"street_number": "40",
"locality_suffix": null
},
"effective_date": null,
"evidence_quote": "",
"region_changed": true,
"is_statute_change": true,
"nationality_change": true,
"old_address_source": "act_body",
"statute_clause_text": null,
"statute_article_number": null,
"effective_date_qualifier": "not_specified",
"statutaire_vs_werkelijke": "statutaire",
"linguistic_region_changed": false,
"court_jurisdiction_changed": true,
"effective_date_is_approximate": false
}
],
"notary": {
"name": "Thomas Cleymans",
"firm_city": null,
"firm_name": null,
"office_city": "Meise",
"is_associated": false
},
"act_meta": {
"language": "nl",
"pub_date": "2025-04-30",
"filing_date": "2025-04-28",
"act_kind_objet": "Onderwerp akte:"
},
"decision": {
"body": "buitengewone_algemene_vergadering",
"date": "2025-03-31",
"unanimous": true
},
"subject_company": {
"kbo": "0874.456.879",
"name_full": "R.E. INVESTMENTS",
"legal_form": "BV"
},
"publication_proxy": {
"kind": "person",
"org_kbo": null,
"org_name": null,
"person_name": null,
"org_rep_person_name": null,
"person_role_at_subject": null
},
"co_filed_documents": [
"uitgifte van het proces-verbaal van 31/03/2025",
"lijst van de vennootschapsakten \u002B co\u00F6rdinatie van de statuten"
]
}| Legal nameNL | CLOVIA |
| Trade nameNL | OcL Group |