Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 63 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
The Clover from Lille, company number BE0793466433, closed financial year 2025 with a result of € 30,574 after tax. For that financial year The Clover recorded a gross margin of € 47,037 and equity of € 98,001. Compared with financial year 2024, the result moved from € 35,251 to € 30,574. The company is profitable. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on July 27, 2026.
€ 98,001
▲ 45% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 30,574
▼ 13% vs 2024
Profit after tax over the fiscal year.
€ 29,076
▼ 33% 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 € 95,501.
People and assets in 2025
€ 28,145
▲ € 25,365 vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 24,400
€ 6,812 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 4,253
▲ 58% vs 2024
Supplier invoices still open on the last day of the fiscal year.
| 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|
| Gross margin | € 41,684 | € 47,608 | € 47,037 | ▼ 1% |
| Profit after taxes | € 29,676 | € 35,251 | € 30,574 | ▼ 13% |
| Equity | € 32,176 | € 67,427 | € 98,001 | ▲ 45% |
| Total debts | € 120,936 | € 96,924 | € 93,507 | ▼ 4% |
| Cash | € 4,061 | € 43,513 | € 29,076 | ▼ 33% |
| Retained profit | € 29,676 | € 64,927 | € 95,501 | ▲ 47% |
| Bank debt | € 0 | € 0 | € 24,400 | |
| Balance sheet total | € 153,111 | € 164,351 | € 191,507 | ▲ 17% |
Key figures of The Clover, fiscal years 2023 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 The Clover?
What happened at The 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 € 30,574 (▼ 13% vs 2024). Source: NBB ↗
- Joël Decoster became a director. NBB
- New establishment in Lille. KBO
- Ray De Roover - Tilleman became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 29,676 profit in 2023 to € 30,574 profit in 2025.
Paid € 32,978 in corporate taxes since 2023.
Best year ever: 2024, with € 35,251 profit.
Management
Behind The Clover are Joël Decoster and Ray De Roover - Tilleman.
Directors
According to the 2025 annual accounts
Joël Decoster
Director
since 2024
Ray De Roover - Tilleman
Director
since 2022
Establishments
Establishment units
Physical locations of this company
Bosuilweg 24
2275 Lille
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
- 0793.466.433
- VAT number
- BE 0793.466.433
- Registered office
- Bosuilweg 24, 2275 Lille
- Names & denominations
- The Clover
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 10 November 2022
- Peppol
- Active · Active since 22 Apr 2025
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Ondersteunende activiteiten in verband met verzekeringen en pensioenfondsen, neg
Activiteiten van risicoanalisten en schadetaxateurs
Activiteiten van hoofdkantoren