CLOVIS
ActiveSummary
CLOVIS has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €94,095 and a net result of €47,829. Equity is growing by ~35.7% per year across the filed fiscal years. Its solvency ranks better than 48% of 7814 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency74▼-26
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7,000 at 30 days acceptable
Liquidity tight (current ratio 1.39 against 3.19 in 2024; short-term debt: 51.3% and cash: 36.7% of total assets), and 51.3% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% fewer bankruptcies
← 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
48.7%
Return on assets
24.7%
Age of the figures
9 mo
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
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 06-07-2026, 25 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
25 d early
2024
17 d early
2023
23 d early
2022
7 d early
2021
6 d early
2020
16 d early
2019
8 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 12 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% 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.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€94,095▼ 27.8%
2024 · €130,332
Total assets
€193,284▲ 17.7%
2024 · €164,218
Net result
€47,829▲ 16.0%
2024 · €41,228
Working capital
€38,237▼ 48.4%
2024 · €74,153
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€23,559▼ 28.8%€25,078▲ 6.4%€37,363▲ 49.0%€61,526▲ 64.7%€65,551▲ 6.5%
Net result€16,466▼ 25.6%€15,740▼ 4.4%€24,726▲ 57.1%€41,228▲ 66.7%€47,829▲ 16.0%
Equity€48,637▲ 1.0%€64,377▲ 32.4%€89,103▲ 38.4%€130,332▲ 46.3%€94,095▼ 27.8%
Total assets€144,834▲ 9.8%€148,776▲ 2.7%€178,687▲ 20.1%€164,218▼ 8.1%€193,284▲ 17.7%
Debt€96,197▲ 14.9%€84,398▼ 12.3%€89,583▲ 6.1%€33,886▼ 62.2%€99,189▲ 193%
Working capital-€6,792€2,223€29,543▲ 1,229%€74,153▲ 151%€38,237▼ 48.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 7% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €193,284
Fixed assets
€55,857 ▼ 0.6%
Current assets
€137,427 ▲ 27.2%
Equity and liabilities €193,284
Equity
€94,095 ▼ 27.8%
Debt
€99,189 ▲ 193%
Debt's share of the balance-sheet total rises from 20.6% to 51.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€69,086▲
2024 · €64,908
Cash flow
€51,363▲
2024 · €44,610
Current ratio
1.39▼
2024 · 3.19
Debt to equity
1.05▲
2024 · 0.26
ROE
50.8%▲
2024 · 31.6%
ROA
24.7%▼
2024 · 25.1%
Interest coverage
51.16▲
2024 · 12.68
Debt ≤ 1 year
€99,189▲
2024 · €33,886
Income taxes
€16,372▲
2024 · €15,178
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,964 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.5%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,964 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €298 | - | €8,597 | €0 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8,724 | €9,761 | €5,334 | €3,382 | €3,535 | ▲ 4.5% |
| Other operating charges640/8 | €839 | €765 | €680 | €629 | €655 | ▲ 4.0% |
| Non-recurring operating charges66A | - | €110 | - | €58 | - | - |
| Gross operating margin9900 | €33,122 | €35,714 | €43,377 | €65,595 | €69,740 | ▲ 6.3% |
| Operating profit (loss)9901 | €23,559 | €25,078 | €37,363 | €61,526 | €65,551 | ▲ 6.5% |
| Financial income75/76B | €319 | - | - | - | €0 | - |
| Recurring financial income75 | €319 | - | - | - | €0 | - |
| Non-recurring financial income76B | €319 | - | - | - | - | - |
| Financial charges65/66B | €2,033 | €2,139 | €2,094 | €5,120 | €1,350 | ▼ 73.6% |
| Recurring financial charges65 | €2,033 | €2,139 | €2,094 | €5,120 | €1,350 | ▼ 73.6% |
| Profit (loss) for the period before taxes9903 | €21,845 | €22,939 | €35,269 | €56,406 | €64,201 | ▲ 13.8% |
| Income taxes67/77 | €5,380 | €7,198 | €10,542 | €15,178 | €16,372 | ▲ 7.9% |
| Profit (loss) for the period9904 | €16,466 | €15,740 | €24,726 | €41,228 | €47,829 | ▲ 16.0% |
| Profit (loss) for the period to be appropriated9905 | €16,466 | €15,740 | €24,726 | €41,228 | €47,829 | ▲ 16.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €144,834 | €148,776 | €178,687 | €164,218 | €193,284 | ▲ 17.7% |
| Fixed assets21/28 | €55,429 | €62,154 | €59,560 | €56,179 | €55,857 | ▼ 0.6% |
| Tangible fixed assets22/27 | €55,429 | €62,154 | €59,560 | €56,179 | €55,857 | ▼ 0.6% |
| Land and buildings22 | €46,566 | €60,174 | €59,560 | €56,179 | €52,797 | ▼ 6.0% |
| Furniture and vehicles24 | €8,863 | €1,980 | - | - | €3,060 | - |
| Current assets29/58 | €89,405 | €86,621 | €119,126 | €108,039 | €137,427 | ▲ 27.2% |
| Amounts receivable within one year40/41 | €12,511 | €2,963 | €309 | €1,555 | €0 | ▼ 100% |
| Trade receivables40 | €12,511 | €2,963 | €291 | - | - | - |
| Other amounts receivable41 | - | - | €18 | €1,555 | €0 | ▼ 100% |
| Current investments50/53 | - | - | - | €66,000 | €66,000 | = |
| Cash at bank and in hand54/58 | €76,839 | €83,659 | €118,540 | €39,371 | €70,891 | ▲ 80.1% |
| Deferred charges and accrued income490/1 | €55 | - | €277 | €1,113 | €536 | ▼ 51.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €144,834 | €148,776 | €178,687 | €164,218 | €193,284 | ▲ 17.7% |
| Equity10/15 | €48,637 | €64,377 | €89,103 | €130,332 | €94,095 | ▼ 27.8% |
| Contributions10/11 | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €29,240 | €44,980 | €69,707 | €110,935 | €81,695 | ▼ 26.4% |
| Distributable reserves133 | €29,240 | €44,980 | €69,707 | €110,935 | €81,695 | ▼ 26.4% |
| Profit (loss) carried forward14 | €6,997 | €6,997 | €6,997 | €6,997 | €0 | ▼ 100% |
| Amounts payable17/49 | €96,197 | €84,398 | €89,583 | €33,886 | €99,189 | ▲ 193% |
| Amounts payable within one year42/48 | €96,197 | €84,398 | €89,583 | €33,886 | €99,189 | ▲ 193% |
| Financial debts43 | €1,923 | €1,975 | €1,995 | €4,023 | €0 | ▼ 100% |
| Credit institutions430/8 | €1,923 | €1,975 | - | €4,023 | €0 | ▼ 100% |
| Other loans439 | - | - | €1,995 | - | - | - |
| Trade debts44 | €1,575 | €3,173 | €1,598 | €2,685 | €1,638 | ▼ 39.0% |
| Suppliers440/4 | €1,575 | €3,173 | €1,598 | €2,685 | €1,638 | ▼ 39.0% |
| Taxes, remuneration and social security45 | €12,606 | €11,645 | €20,019 | €27,179 | €16,341 | ▼ 39.9% |
| Taxes450/3 | €12,606 | €11,645 | €19,411 | €27,179 | €16,341 | ▼ 39.9% |
| Remuneration and social security454/9 | - | - | €608 | - | - | - |
| Other amounts payable47/48 | €80,093 | €67,606 | €65,971 | - | €81,211 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €16,466 | €15,740 | €24,726 | €41,228 | €47,829 | ▲ 16.0% |
| + Depreciation and write-downs630 | €8,724 | €9,761 | €5,334 | €3,382 | €3,535 | ▲ 4.5% |
| Operating cash flow (approximation) | €25,190 | €25,501 | €30,060 | €44,610 | €51,363 | ▲ 15.1% |
| Investment in fixed assets (approximation) | - | -€16,486 | -€2,740 | €0 | -€3,213 | - |
| Change in cash | - | €6,820 | €34,881 | -€79,169 | €31,520 | ▲ 140% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €47,829 ▲16%
Operating result €65,551, net result €47,829, both a record.
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 3.19
Current ratio from 1.33 to 3.19; short-term debt falls from €89,583 to €33,886.
31-12
Financial
Equity above €100,000Eq €130,332 ▲46.3%
7 profitable years in a row build equity to €130,332.
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-11
State Gazette act
Board meeting · Director appointment
Permanent representative · Director resignation
21-10
State Gazette act
General meeting · Statutes amendment
Capital · Corporate purpose
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
08-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 8 days late
Show earlier events
28-01
State Gazette act
General meeting · Auditor appointment
Permanent representative · Board meeting
2019
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
22-01
State Gazette act
General meeting · Director resignation
Permanent representative · Director appointment
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Izegem · 1 establishment unit since 2018
Ground area
2,744 m²
Building footprint
233 m²
Volume, LiDAR
888 m³
Parcel 36492A1346/00B002, Flanders · tallest building 6.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
CLOVIS BV
since 20182.273.814.414
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36492A1346/00B002 | Flanders | 2,744 m² | 1 · 233 m² | 6.5 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Connections & network
The group is listed under Ownership & control below; here you explore it as a network.
This company
Company
Director
Shareholding
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Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
1 location
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Of 11,219 companies in sector 82100 we hold annual accounts for 3,509. 2,618 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded02-02-2018
Fiscal year end31-12
Activities, NACEBEL 2025
82100Office administrative and support services
63920Other information service activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0689710085
Also
9925:BE0689710085
Registered
08-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.