Clover Consulting: what changed
Two financial years side by side, explained: what moved most in the balance sheet and the result, why the result rose or fell, and where the money went.
Clover Consulting
Largest movements
- Current investments +€79,399
up €79,399 (+65.8%), from €120,601 to €200,000
- Receivables within one year -€40,524
down €40,524 (-65.5%), from €61,831 to €21,307
- Profit (loss) carried forward +€83,381
up €83,381 (+55.5%), from €150,348 to €233,728
- Other debts -€43,844
down €43,844 (-100.0%), from €43,844 to €0
- Gross operating margin +€4,650
up €4,650 (+4.4%), from €104,885 to €109,535
From the 2024 result to the 2025 result
Each bar is the change in one income-statement line, as its effect on the result: higher costs pull it down, higher income lifts it.
Cash bridge derived
Derived from the 2024 and 2025 balance sheets and the 2025 result: not a filed cash-flow statement. It shows where the money came from and went.
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €230,961 | €271,827 | +€40,865 | +17.7% |
| Fixed assets | 21/28 | - | €1,028 | +€1,028 | |
| Tangible fixed assets | 22/27 | - | €1,028 | +€1,028 | |
| Furniture and vehicles | 24 | - | €1,028 | +€1,028 | |
| Current assets | 29/58 | €230,961 | €270,799 | +€39,838 | +17.2% |
| Amounts receivable within one year | 40/41 | €61,831 | €21,307 | -€40,524 | -65.5% |
| Trade receivables | 40 | €61,831 | €21,307 | -€40,524 | -65.5% |
| Current investments | 50/53 | €120,601 | €200,000 | +€79,399 | +65.8% |
| Cash at bank and in hand | 54/58 | €47,684 | €48,646 | +€962 | +2.0% |
| Deferred charges and accrued income | 490/1 | €845 | €845 | = | 0.0% |
| Total equity and liabilities | 10/49 | €230,961 | €271,827 | +€40,865 | +17.7% |
| Equity | 10/15 | €154,348 | €237,728 | +€83,381 | +54.0% |
| Contributions | 10/11 | €4,000 | €4,000 | = | 0.0% |
| Profit (loss) carried forward | 14 | €150,348 | €233,728 | +€83,381 | +55.5% |
| Amounts payable | 17/49 | €76,613 | €34,098 | -€42,515 | -55.5% |
| Amounts payable within one year | 42/48 | €76,613 | €34,098 | -€42,515 | -55.5% |
| Trade debts | 44 | €1,386 | €1,449 | +€63 | +4.5% |
| Suppliers | 440/4 | €1,386 | €1,449 | +€63 | +4.5% |
| Taxes, remuneration and social security | 45 | €31,383 | €32,649 | +€1,266 | +4.0% |
| Taxes | 450/3 | €31,383 | €32,649 | +€1,266 | +4.0% |
| Other amounts payable | 47/48 | €43,844 | €0 | -€43,844 | -100.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | - | €5 | +€5 | |
| Other operating charges | 640/8 | €673 | €695 | +€22 | +3.3% |
| Gross operating margin | 9900 | €104,885 | €109,535 | +€4,650 | +4.4% |
| Operating profit (loss) | 9901 | €104,213 | €108,835 | +€4,623 | +4.4% |
| Financial income | 75/76B | €858 | €815 | -€43 | -5.0% |
| Recurring financial income | 75 | €858 | €815 | -€43 | -5.0% |
| Financial charges | 65/66B | €2,538 | €2,117 | -€421 | -16.6% |
| Recurring financial charges | 65 | €2,538 | €2,117 | -€421 | -16.6% |
| Profit (loss) for the period before taxes | 9903 | €102,532 | €107,533 | +€5,001 | +4.9% |
| Income taxes | 67/77 | €22,325 | €23,294 | +€969 | +4.3% |
| Profit (loss) for the period | 9904 | €80,207 | €84,240 | +€4,033 | +5.0% |
| Profit (loss) for the period to be appropriated | 9905 | €80,207 | €84,240 | +€4,033 | +5.0% |
Source: filed annual accounts (NBB), financial years ended 31 December 2024 and 31 December 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 10 October 2026 via checked.be.