CLOVIS
ActiveCLOVIS has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €91k and a net result of €22k. Its solvency ranks better than 77% of 7723 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability93▼-7
Solvency100▲+10
Growth52
Track record94
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 4.5 against 2.79 in 2024; short-term debt: 21.3% and cash: 76% of total assets), and 21.3% 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
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
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
Sector 82
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
78.7%
Return on assets
19.2%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 13-01-2026, 18 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
18 d early
2024
13 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€91k▲ 30.7%
2024 · €70k
2024: €70k
2024 → 2025
Total assets
€116k▲ 8.0%
2024 · €107k
2024: €107k
2024 → 2025
Net result
€22k▼ 65.6%
2024 · €64k
2024: €64k
2024 → 2025
Working capital
€86k▲ 28.8%
2024 · €67k
2024: €67k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€70k-€91k▲ 30.7%
Operating result€92k-€33k▼ 64.4%
Net result€64k-€22k▼ 65.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 64% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €116k
Fixed assets
€5k▲ 77.9%
Current assets
€111k▲ 6.2%
Equity and liabilities €116k
Equity
€91k▲ 30.7%
Debt
€25k▼ 34.1%
The debt ratio falls from 35.0% to 21.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€34k▼
2024 · €96k
Cash flow
€24k▼
2024 · €68k
Solvency
78.7%▲
2024 · 65.0%
Current ratio
4.50▲
2024 · 2.79
Quick ratio
4.50▲
2024 · 2.79
Debt / equity
0.27▼
2024 · 0.54
ROE
24.4%▼
2024 · 92.6%
ROA
19.2%▼
2024 · 60.2%
Interest coverage
24.84▼
2024 · 41.90
Debt
€25k▼
2024 · €37k
Debt ≤ 1 year
€25k▼
2024 · €37k
Income taxes
€9k▼
2024 · €26k
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€107k€116k▲
Fixed assets21/28€3k€5k▲
Tangible fixed assets22/27€3k€5k▲
Furniture and vehicles24€1k€4k▲
Other tangible fixed assets26€1k€1k▼
Current assets29/58€104k€111k▲
Amounts receivable within one year40/41€15k€21k▲
Trade receivables40€14k€21k▲
Other amounts receivable41€2k€428▼
Cash at bank and in hand54/58€87k€88k▲
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€107k€116k▲
Equity10/15€70k€91k▲
Contributions10/11€6k€6k=
Reserves13€64k€85k▲
Distributable reserves133€64k€85k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€37k€25k▼
Amounts payable within one year42/48€37k€25k▼
Trade debts44€5€2k▲
Suppliers440/4€5€2k▲
Taxes, remuneration and social security45€37k€21k▼
Taxes450/3€34k€18k▼
Remuneration and social security454/9€3k€3k▲
Other amounts payable47/48€833€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€1k▼
Other operating charges640/8€825€149▼
Non-recurring operating charges66A€734€0▼
Gross operating margin9900€97k€34k▼
Operating profit (loss)9901€92k€33k▼
Financial income75/76B-€7
Recurring financial income75-€7
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€90k€32k▼
Income taxes67/77€26k€9k▼
Profit (loss) for the period9904€64k€22k▼
Profit (loss) for the period to be appropriated9905€64k€22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€64k€22k▼
Transfer to equity691/2€64k€21k▼
To other reserves6921€64k€21k▼
Profit to be distributed694/7€833€833=
Return on contributions (dividend)694€833€833=
The notes to these accounts (6 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
13-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
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, Sint-Gillis-Waas · 1 establishment unit since 2023
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.
Molenhoekstraat(MD) 399170 Sint-Gillis-WaasGround area
885 m²
Building footprint
129 m²
Volume, LiDAR
674 m³
Parcel 46015A0303/00N000, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CLOVIS
since 20232.341.207.737
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46015A0303/00N000 | Flanders | 885 m² | 1 · 129 m² | 8.0 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
699400W9E35Y0Z17ZE24
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Of 24,503 companies in sector 82990 we hold annual accounts for 9,402. 7,182 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-02-2023
Fiscal year end30-06
Activities, NACEBEL
82990Other business support services
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.