Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
-
Tight liquidity NBB
Cash and receivables cover 13 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
CLOVIA from Overijse, company number BE0874456879, closed financial year 2025 with a result of € -61,819 after tax. For that financial year CLOVIA recorded a gross margin of € 130,455 and equity of € 238,330. Compared with financial year 2024, the result moved from € -35,532 to € -61,819. The company made a loss. The company holds a healthy buffer. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on September 29, 2026.
€ 238,330
▼ 21% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -61,819
▼ 74 % more loss than in 2024
Profit after tax over the fiscal year.
€ 137,879
▼ 65% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -620,920.
People and assets in 2025
0.5
Average over the fiscal year, from the social balance sheet.
€ 10,378
▼ 7% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 201,188
▲ 4% vs 2024
Of which on lease € 21,931.
Debts at end 2025
€ 2.3 million
▲ 15% vs 2024
€ 1.6 million is repaid this year. At this pace the long-term loan is gone in ≈ 1 years.
€ 16,864
▼ 86% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 10,618
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 | € 271,617 | € 61,023 | € 192,284 | € 130,455 | ▼ 32% |
| Profit after taxes | € -4,384 | € -217,900 | € -35,532 | € -61,819 | ▼ € 26,287 |
| Equity | € 499,768 | € 414,246 | € 300,149 | € 238,330 | ▼ 21% |
| Total debts | € 3,057,312 | € 3,176,717 | € 3,442,717 | € 3,618,349 | ▲ 5% |
| Cash | € 229,458 | € 140,558 | € 392,971 | € 137,879 | ▼ 65% |
| Land & buildings | € 1,862,094 | € 1,499,476 | € 1,426,625 | € 1,947,498 | ▲ 37% |
| Retained profit | € -227,104 | € -445,004 | € -559,101 | € -620,920 | ▼ € 61,819 |
| Bank debt | € 2,084,387 | € 1,990,616 | € 1,961,687 | € 2,253,763 | ▲ 15% |
| Balance sheet total | € 3,557,080 | € 3,590,963 | € 3,742,865 | € 3,856,679 | ▲ 3% |
| Employees (FTE) | - | 0 | 0.5 | 0.5 |
Key figures of CLOVIA, 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 CLOVIA?
What happened at CLOVIA in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 61,819. filed late Source: NBB ↗
- Start of the company according to the CBE. KBO
- New establishment in Grimbergen. KBO
In short
From € 4,384 loss in 2022 to € 61,819 loss in 2025.
Paid € 21,615 in corporate taxes since 2022.
A new publication or filing at CLOVIA? 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
Establishments
Establishment units
Physical locations of this company
Hagaard 8
3090 Overijse
d'Overschielaan 8
1850 Grimbergen
Active since 30 May 2005
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 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
- 0874.456.879
- VAT number
- BE 0874.456.879
- Registered office
- Hagaard 8, 3090 Overijse
- Names & denominations
- CLOVIA · OcL Group
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 14 June 2005
- Peppol
- Active · Active since 14 Nov 2025
- Activities · NACE
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