Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 17 % of short-term debt in 2025; threshold 65 %.
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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
CLOVER from Brussel, company number BE0793214035, closed financial year 2025 with a result of € 5,189 after tax. For that financial year CLOVER recorded a gross margin of € 95,262 and equity of € 24,510. Compared with financial year 2024, the result moved from € 44,341 to € 5,189. The company is profitable. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 31, 2026.
€ 24,510
▲ 27% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 5,189
▼ 88% vs 2024
Profit after tax over the fiscal year.
€ 12,021
▼ 44% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 21,310.
Debts at end 2025
€ 1.5 million
▲ 33% vs 2024
€ 66,301 is repaid this year. At this pace the long-term loan is gone in ≈ 22 years.
€ 5,626
▲ 39% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | - | € 74,197 | € 139,971 | € 95,262 | ▼ 32% |
| Profit after taxes | € -46 | € -28,174 | € 44,341 | € 5,189 | ▼ 88% |
| Equity | € 3,154 | € -25,020 | € 19,321 | € 24,510 | ▲ 27% |
| Total debts | € 1,395 | € 1,589,312 | € 1,534,466 | € 1,474,109 | ▼ 4% |
| Cash | € 3,200 | € 9,174 | € 21,571 | € 12,021 | ▼ 44% |
| Land & buildings | - | € 1,554,049 | € 1,531,426 | € 1,486,087 | ▼ 3% |
| Retained profit | € -46 | € -28,220 | € 16,121 | € 21,310 | ▲ 32% |
| Bank debt | € 0 | € 1,160,326 | € 1,104,049 | € 1,468,483 | ▲ 33% |
| Balance sheet total | € 4,549 | € 1,564,292 | € 1,553,787 | € 1,498,620 | ▼ 4% |
Key figures of CLOVER, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to CLOVER?
What happened at CLOVER in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 5,189 (▼ 88% vs 2024). Source: NBB ↗
- Martine KOCH became a director. NBB
- Yvan de Thomaz de BOSSIÈRRE became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 46 loss in 2022 to € 5,189 profit in 2025.
Paid € 5,626 in corporate taxes since 2022.
Best year ever: 2024, with € 44,341 profit.
A new publication or filing at CLOVER? We notify you, reason included.
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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 are Martine KOCH and Yvan de Thomaz de BOSSIÈRRE. Yvan de Thomaz de BOSSIÈRRE is also behind AQUA VITAL.
Directors
According to the 2025 annual accounts
Martine KOCH
Director
since 2022
since 2022
Establishments
Establishment units
Physical locations of this company
Jakob Jordaensstraat 16
1000 Brussel
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0793.214.035
- VAT number
- BE 0793.214.035
- Registered office
- Jakob Jordaensstraat 16, 1000 Brussel
- Names & denominations
- CLOVER
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 2 November 2022
- Peppol
- Not registered