Equity
€90,883 ▲ 30.7%
CLOVIS paid out €833 in dividends. That is 4% of the 2025 profit.
CLOVIS
Overview
Lifetime
2 annual accounts with figures on one time axispeak €97,270 (2024)
€34,412▼ 64.6%
peak €64,395 (2024)
€22,154▼ 65.6%
peak €90,883 (2025)
€90,883▲ 30.7%
€24,644▼ 34.1%
Board1 name since 2023
1 directorSmet Louis
Documentsfilings and deeds
13-01-202618 days before the deadline
2025micro format
Gross margin from €97,270 to €34,412Result from €64,395 to €22,154Dividend €833Equity from €69,562 to €90,883Debts from €37,378 to €24,644Investments €3,452
Key points
from the 2025 annual accountsInvestments
€3,452 2.5 × depreciation
Green is investment, beige is depreciation.
Liquidity
4.50 was 2.79 in 2024
Short-term debts fell from €37,378 to €24,644.
Checked score
97
Excellent
Financially stronger than 79% of micro companies in office administrative support (NACE 82)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 12,672 companies (NACE 82, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.5%
01-2025: 1.6%▲ +0.1 percentage points vs 12-2024highest value
02-2025: 0.1%▼ -1.5 percentage points vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: < 0.1%▼ -0.1 percentage points vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Founded in 2023
lowers risk
Liquidity: current ratio 4.50, cash €87,762
Sector: Office administrative, office support and other business support activities (NACE 82)
Equity €90,883 (78.7% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 82, micro). It does better than 88% of them on solvency, 87% on liquidity, 67% on profitability and 72% on growth.
The bankruptcy probability was computed on 07-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-06-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as CLOVIS has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
The bankruptcy probability of CLOVIS itself is lower: < 0.1% within 12 months. It rests on far more data about CLOVIS than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for CLOVIS. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €8,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 4.5 (2.79 in 2024), above the usual 1.5. Short-term debt is 21.3% and cash 76% of total assets. 21.3% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 days early
2024
13 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 16 days before the deadline. In the sector (NACE 82), the median for financial year 2024 was 7 days before the deadline, and 35% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end08-11-2026 today31-01-2027 deadline
Board and ownership
SL
Smet Louis
Director, since 01-02-2023
- SMET Louis founderdeed of 03-02-2023
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0797880725
Registered office moved from Kieldrecht to Sint-Gillis-Waas
New registered office: Molenhoekstraat 39, 9170 Sint-Gillis-Waas · Previous registered office: Kreek 106, 9130 Kieldrecht · General meeting of 28-11-2023 · Gazette deed
Incorporation
Founding capital of €6,000, 100 shares · Founder: SMET Louis · published on 03-02-2023 · Gazette deed
First establishment
Molenhoekstraat 39, Sint-Gillis-Waas
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CLOVIS Sint-Gillis-Waas | €115,527 | €34,412 | 78.7% | - |
| FIBRA Lokeren | €111,282 | €31,252 | 74.3% | - |
| ELLO PROJECTS Aalst | €128,161 | €31,925 | 82.3% | - |
| ANDES ADVICE & CREATION Kruisem | €100,018 | €35,088 | 80.0% | - |
| Pit Op Tafel Ghent | €107,585 | €37,277 | 12.1% | - |
| Veni Vidi Vici Lokeren | €134,423 | €39,377 | 80.5% | - |
| Gravcon Aalter | €99,513 | €33,435 | 72.9% | - |
These companies have the same main activity as CLOVIS: other business support services (NACE 82990). They are comparable in size and age: total assets between €99,500 and €134,000, founded between 2022 and 2023.
Official details
Source: KBO- Status
- Active since 01-02-2023Normal situation
- Activity
- Other business support servicesNACE 82990and 1 other
- Establishment unit
- 2.341.207.7379170 Sint-Gillis-Waas, since 01-02-2023
- Financial year end
- 30 June
- Peppol
- Reachable since 11-02-2024
Annual accounts to 30-06-2025
- €34,412▼ 64.6%
- ≈ €89,000estimated
- €22,154▼ 65.6%
- €90,883▲ 30.7%
- €115,527▲ 8.0%
- Filing
- Filed on 13-01-2026, 18 days before the end of the filing period
Insights on CLOVIS
CLOVIS has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €90,883 and a net result of €22,154.
Its solvency ranks better than 78% of 9,685 sector peers (NACE 82, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 13-01-2026, 18 days before the deadline€34,412
▼ 64.6%
€32,891
▼ 64.4%
€22,154
▼ 65.6%
€86,133
▲ 28.8%
78.7%
▲ 13.6 percentage points
4.50
▲ 1.71
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €89,000. Estimated: probably between €55,000 and €120,000.
Balance sheet
balance sheet total €115,527 on 30-06-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
78.7%
Higher than 78% of 9,685 companies in 2025.
4.50
Higher than 78% of 9,305 companies in 2025.
19.2%
Higher than 62% of 9,429 companies in 2025.
CLOVIS
Middle half of the sector
80% of the sector
Micro accounts in office administrative support (NACE 82)
Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
115,527 | 106,940 | |
21/28 |
4,749 | 2,669 | |
22/27 |
4,749 | 2,669 | |
24 |
3,503 | 1,280 | |
26 |
1,247 | 1,390 | |
29/58 |
110,777 | 104,270 | |
40/41 |
21,238 | 15,276 | |
40 |
20,810 | 13,520 | |
41 |
428 | 1,756 | |
54/58 |
87,762 | 87,174 | |
490/1 |
1,778 | 1,821 | |
| Balance sheet: equity and liabilities | |||
10/49 |
115,527 | 106,940 | |
10/15 |
90,883 | 69,562 | |
10/11 |
6,000 | 6,000 | |
13 |
84,883 | 63,562 | |
133 |
84,883 | 63,562 | |
14 |
0 | 0 | |
17/49 |
24,644 | 37,378 | |
42/48 |
24,644 | 37,378 | |
44 |
2,037 | 5 | |
440/4 |
2,037 | 5 | |
45 |
20,965 | 36,540 | |
450/3 |
17,799 | 33,582 | |
454/9 |
3,166 | 2,958 | |
47/48 |
1,642 | 833 | |
| Income statement | |||
9900 |
34,412 | 97,270 | |
630 |
1,372 | 3,432 | |
640/8 |
149 | 825 | |
66A |
0 | 734 | |
9901 |
32,891 | 92,279 | |
75/76B |
7 | - | |
75 |
7 | - | |
65/66B |
1,379 | 2,285 | |
65 |
1,379 | 2,285 | |
9903 |
31,519 | 89,995 | |
67/77 |
9,364 | 25,600 | |
9904 |
22,154 | 64,395 | |
9905 |
22,154 | 64,395 | |
| Appropriation of the result | |||
9906 |
22,154 | 64,395 | |
691/2 |
21,321 | 63,562 | |
6921 |
21,321 | 63,562 | |
694/7 |
833 | 833 | |
694 |
833 | 833 | |
| Document | |||
The notes to these accounts have 6 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).
Source: Annual accounts 2025 (PDF), filed on 13-01-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| 34,263 | 95,711 | ||
| 23,526 | 67,827 | ||
| 3,452 | 3,142 | ||
| 588 | - | ||
| 86,133 | 66,892 | ||
| 78.7% | 65.0% | ||
| 4.50 | 2.79 | ||
| 0.27 | 0.54 | ||
| 24.4% | 92.6% | ||
| 19.2% | 60.2% | ||
| 24.84 | 41.90 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 30-06-2025 | 30-06-2024 |
|---|---|---|
| Tangible fixed assets | €3,452 | €3,142 |
| €1,372 | €3,432 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Insights on CLOVIS
The operating result for 2025 is 64% lower than in 2024.
Debt's share of the balance-sheet total falls from 35.0% to 21.3%. Equity is higher and debt is lower.
Board & ownership
Board
1 directorMandates through the years
1 name, the dashed line is todaySmet Louis
Director
Director
Board
Mandates as a list
- Smet Louis
- Director, from 01-02-2023 to date
Control
Founder
SMET Louis
This company
CLOVIS
Equity €90,883
Profit €22,154 in 2025
Capital
- Contribution
- €6,000
- Shares
- 100
- Contribution per share
- €60
- Equity per share
- €909 in 2025
- Source
- deed of 03-02-2023
Articles of association
deed of 03-02-2023 (in Dutch)- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Second Saturday of December at 14:00
Founder
At incorporation
deed of 03-02-2023 ↗
- SMET Louis sole founder · 100% at incorporation
Network & group
No group
CLOVIS has no parent and no holdings in its annual accounts. Smet Louis is the only director. CLOVIS shares no director with another company.
The LEI register names no parent.
Timeline
Timeline
6 events since 2023Filings
Establishments
Address
2023202420252026
Deadline for the 2026 accounts: 31-01-2027
2026
Annual accounts 2025 filed PDFmicro format · 18 days before the deadline
2025
Annual accounts 2024 filed PDFmicro format · 13 days before the deadline
2024
Registered in the Peppol Directory Reachable for e-invoices through 0208:0797880725
Registered office moved from Kieldrecht to Sint-Gillis-WaasNew registered office: Molenhoekstraat 39, 9170 Sint-Gillis-Waas · Previous registered office: Kreek 106, 9130 Kieldrecht · General meeting of 28-11-20232 points ▸
- General meeting, 28-11-2023
- Registered-office move, Molenhoekstraat 39, 9170 Sint-Gillis-Waas
2023
IncorporationFounding capital of €6,000, 100 shares · Founder: SMET Louis · published on 03-02-20232 points ▸
- Founder, SMET Louis
- Founding capital, €6,000, 100 shares
First establishment Molenhoekstraat 39, Sint-Gillis-Waas
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Identity
- Enterprise number
- 0797.880.725
- VAT number
- BE 0797.880.725
- Peppol ID
- 0208:0797880725
- Other Peppol ID
- 9925:BE0797880725
- LEI code
- 699400W9E35Y0Z17ZE24 live in the LEI register
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 01-02-2023
- Financial year
- ends on 30 June
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Second Saturday of December at 14:00deed of 03-02-2023 (in Dutch)
- Peppol
- Reachable since 11-02-2024Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- CLOVIS in Dutch
- Entity type
- Legal entity
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 03-02-2023 (in Dutch)
Activities
NACEBEL 202582990
Other business support services main activity
Codes under NACEBEL 2008
82990
Other business support services main activity
74909
Other professional, scientific and technical activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Consultancy inzake machines en materiaal:; De verhuur van diverse machines,toestellen,gereedschappen,materialen in de meest ruime zin; De…”deed of 03-02-2023 (in Dutch)
24 activities
- Consultancy inzake machines en materiaal:
- De verhuur van diverse machines,toestellen,gereedschappen,materialen in de meest ruime zin;
- De verhuur van rollend materieel,graafmachines,bobcats en alle roerende goederen;
- Het onderhoud en herstellen van de hierboven vernoemde machines,rollend materieel,werktuigen en materialen;
- De aan- en verkoop van diverse machines,toestellen,gereedschappen,materialen in de meest ruime zin;
- De aan- en verkoop van rollend materieel,graafmachines,bobcats en aanverwanten in de meest ruime zin;
- Onderneming voor grondwerken,rioleringswerken,watervoorziening en leggen van sterkstroom en telecommunicatiekabels,alsmede alles wat in de toekomst hiermee verband houdt;
- Alle graafwerken en nivelleringswerken,boringen,peilingen,uitdiepingen,funderingen,heiwerk,aanplantingen en versterkingswerken van de bodem,volgens allerlei methoden en drainagewerken;
- Wegeniswerken.Het bouwen,aanleggen,herstellen en onderhouden van wegen en opritten in diverse materialen,onderhouden en ontstoppen van rioleringen,plaatsen van afsluitingen in diverse materialen;
- Diverse land- en tuinbouwwerken,aanleggen van parken en tuinen,sport- en speelterreinen;
- Afbraakwerken in de meest ruime zin;
- Groot- en kleinhandel in bouwmaterialen,recuperatiematerialen,land- en tuinbouwbenodigdheden,materialen en grondstoffen zoals onder andere meststoffen,zaden,gewassen en planten,tuinversieringen en andere en alle machines,installaties,materialen en grond- en hulpstoffen die met bovenvermelde activiteiten rechtstreeks en onrechtstreeks verband houden.Deze opsomming is geenszins beperkend doch enkel van aanwijzende aard;
- Website-ontwikkeling,webdesign,webshop-ontwikkeling en alle daarmee verband houdende informaticatoepassingen.
- Het verlenen van diensten en adviezen in de meest ruime zin van het woord aan bedrijven,ondernemingen en instanties van alle aard,onder meer op het vlak van engineering,informatica,ICT,burotica,administratie,management,marketing,bedrijfsorganisatie,productieorganisatie,bedrijfsbeheer,administratie en bedrijfsanalyse.
- De aankoop,verkoop van alle onroerende goederen,zowel onbebouwde als gebouwen aller aard.
- De bemiddeling bij dergelijke operaties.De oprichting,aanpassing en herstelling voor eigen rekening of voor rekening van derden ten titel van aanneming,en dit van alle gebouwen en constructies.Het verkavelen,uitrusten en tot waarde brengen van alle onroerende goederen voor eigen rekening en voor rekening van derden.Het verrichten van alle studies,het opmaken van alle ontwerpen,ook voor rekening van derden en het verlenen van alle adviezen in verband met bovengemelde activiteiten.
- Het in eigendom behouden en uitbaten van alle onroerende goederen,zowel onbebouwde als bebouwde.Het verhuren,huren,onderverhuren of onderhuren en beheren voor eigen rekening of voor rekening van derden van alle onroerende goederen.Het verrichten van geldleningen en het stellen van waarborgen voor derden,dit alles zowel voor eigen rekening als voor rekening van derden als hoofdhandelaar of als agent,in binnen- of buitenland.Het in leasing nemen of geven van alle onroerende goederen.Het optreden als beroepsoprichter of als bouwpromotor.
- Het uitoefenen van management,consulting- en beheersactiviteiten.Deze activiteiten omvatten ondermeer,zonder dat deze opsomming beperkend is,het uitoefenen van managementfuncties in diverse ondernemingen,het sluiten van consultingovereenkomsten,het uitoefenen van consultingfuncties op onafhankelijke wijze en het verlenen van advies,bijstand en leiding aan bedrijven,privépersonen en instellingen,voornamelijk doch niet uitsluitend op het vlak van marketing,management,producten en eveneens hun ontwikkeling,processing en bestuur.
- Tussenpersoon in de handel;
- Import en export van goederen,zowel in het binnenland als in het buitenland;
- Geven van voedingsadvies;
- Geven van bewingsadvies;
- Corrigeren van postuur van mensen;
- Revalidatie van mensen.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Molenhoekstraat 39 registered office 9170 Sint-Gillis-Waas | 01-02-2023 | 2.341.207.737 |
1 former office
- Kreek 106, 9130 Kieldrecht until 28-11-2023 · deed of 24-01-2024
Buildings and parcels at the address
- Ground area
- 885 m²
- Buildings
- 129 m²
- Volume, LiDAR
- 674 m³
- Tallest building
- 8.0 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 46015A0303/00N000 | 885 m² | 1 · 129 m² | 8.0 m · 2 |