Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 3 of the last 3 fiscal years.
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Two loss years in a row NBB
Negative result in 2023 and 2024.
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Tight liquidity NBB
Cash and receivables cover 14 % of short-term debt in 2024; threshold 65 %.
Financials
Financial year 2024
CLOVER GROUP EUROPE from Fleurus, company number BE0767405996, closed financial year 2024 with a result of € -992,477 after tax. For that financial year CLOVER GROUP EUROPE recorded a gross margin of € -444,511 and equity of € -959,635. Compared with financial year 2023, the result moved from € -181,720 to € -992,477. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on August 27, 2025.
€ -959,635
▼ € 762,477 vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -992,477
▼ 446 % more loss than in 2023
Profit after tax over the fiscal year.
€ 33,696
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -1.2 million.
People and assets in 2024
4.8
▲ 3.3 vs 2023
Average over the fiscal year, from the social balance sheet.
€ 479,436
▲ € 382,057 vs 2023
€ 99,900 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 34,341
▲ € 30,170 vs 2023
Book value of vehicles, furniture and equipment.
Debts at end 2024
None
No bank loans on the last day of the fiscal year.
€ 370,836
▲ € 354,572 vs 2023
Supplier invoices still open on the last day of the fiscal year.
€ 71,559
▲ 225% vs 2023
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|---|
| Gross margin | € -19,036 | € -83,522 | € -444,511 | ▼ € 360,990 |
| Profit after taxes | € -20,438 | € -181,720 | € -992,477 | ▼ € 810,758 |
| Equity | € -15,438 | € -197,158 | € -959,635 | ▼ € 762,477 |
| Total debts | € 24,494 | € 263,934 | € 2,435,224 | ▲ € 2.2 million |
| Cash | € 7,677 | € 33,860 | € 33,696 | |
| Land & buildings | - | - | € 1,180,202 | |
| Retained profit | € -20,438 | € -202,158 | € -1,194,635 | ▼ € 992,477 |
| Balance sheet total | € 9,056 | € 66,776 | € 1,475,589 | ▲ € 1.4 million |
| Employees (FTE) | - | 1.5 | 4.8 | ▲ 3.3 |
Key figures of CLOVER GROUP EUROPE, fiscal years 2022 to 2024, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2025 has not been filed yet; it was expected before 31 July 2026.
What happened to CLOVER GROUP EUROPE?
What happened at CLOVER GROUP EUROPE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2024: loss of € 992,477. filed late Source: NBB ↗
- New establishment in Fleurus. KBO
- Bernard Lavery became a director. NBB
- Arin Lavery became a director. NBB
- Paul Lavery became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 20,438 loss in 2022 to € 992,477 loss in 2024.
Paid € 1,227 in corporate taxes since 2022.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind CLOVER GROUP EUROPE are Bernard Lavery, Arin Lavery and Paul Lavery. The shares are held by CLOVER GROUP INTERNATIONAL LIMITED (100%).
Directors
According to the 2024 annual accounts
Bernard Lavery
Director
since 2021
Arin Lavery
Director
since 2021
Paul Lavery
Director
since 2021
Shareholders
CLOVER GROUP INTERNATIONAL LIMITED
100%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Rue du Berlaimont(FL) 35
6220 Fleurus
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0767.405.996
- VAT number
- BE 0767.405.996
- Registered office
- Rue du Berlaimont(FL) 35, 6220 Fleurus
- Names & denominations
- CLOVER GROUP EUROPE
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 22 April 2021
- Peppol
- Active · Active since 23 Dec 2025
- Activities · NACE
Logistieke diensten
Overige vervoerondersteunende activiteiten
Overige vrachtbehandeling, exclusief in zeehavens
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