Clover Multi Lines
0445.808.535 · rovalta.com · 22/09/2026
NORMAL SITUATION
Clover Multi Lines
Financial year 2024 · closed on 31/12/2024
Net result
43,1 k €
-93.3% YoY
Gross margin
1,5 M €
-13.0% YoY
Equity
999,6 k €
-0.7% YoY
Workforce
17,4 ETP
+33.8% YoY
Company — Normal situation.
Overview
What does Clover Multi Lines do?
Clover Multi Lines is a company registered in Belgium. It employs on average 17,4 ETP workers (FTE).
Legal situation
● Normal situation
BCE/KBO no. / VAT
BE 0445.808.535
Legal form
Private limited company
Contributed capital
100 937,00 €
Latest accounts
31/12/2024
Average workforce
17,4 ETP
Joint committees (3)
- 307
- 30700
- 307000
Signals
ProfitableGood liquidityPositive cashflowPositive EBITDAHealthy social debts
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Financials
Trend over 18 financial years
| 2024 | 2023 | 2022 | 2021 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income statement | |||||||||||||||||||||||||||||||||||
| Gross margin | 1,5 M € | -13.0% | 1,8 M € | +28.7% | 1,4 M € | +39.1% | 993,6 k € | +16.5% | 852,8 k € | -21.0% | 1,1 M € | +1.1% | 1,1 M € | +8.6% | 982,7 k € | +28.0% | 767,8 k € | +102% | 379,8 k € | -1.9% | 387,1 k € | +5.5% | 367 k € | +319% | 87,6 k € | -36.7% | 138,3 k € | -14.5% | 161,8 k € | +260% | 44,9 k € | +468% | 7,9 k € | -64.6% | 22,4 k € |
| EBITDA | 43 k € | -95.5% | 955,4 k € | +62.7% | 587,2 k € | +125% | 260,7 k € | -28.0% | 361,9 k € | -27.8% | 501,1 k € | +2.4% | 489,3 k € | +17.1% | 417,7 k € | +51.3% | 276,2 k € | +922% | 27 k € | -77.8% | 121,9 k € | -26.1% | 164,9 k € | +410% | -53,2 k € | -912% | 6,6 k € | -87.2% | 51,2 k € | +519% | -12,2 k € | -359% | 4,7 k € | -71.5% | 16,6 k € |
| Operating result | 23,4 k € | -97.4% | 915,6 k € | +108% | 440,3 k € | +162% | 168,2 k € | -9.5% | 185,9 k € | -47.0% | 350,4 k € | +71.6% | 204,2 k € | +32.8% | 153,8 k € | +81.1% | 84,9 k € | +205% | -80,6 k € | -286% | 43,4 k € | -56.0% | 98,8 k € | +194% | -104,7 k € | -136% | -44,3 k € | -2003% | 2,3 k € | +104% | -62,2 k € | -75.9% | -35,4 k € | -839% | 4,8 k € |
| Net result | 43,1 k € | -93.3% | 642,2 k € | +107% | 310,3 k € | +216% | 98,2 k € | -17.4% | 118,9 k € | -50.6% | 240,8 k € | +85.1% | 130,1 k € | +33.1% | 97,7 k € | +12.6% | 86,8 k € | +208% | -80,6 k € | -273% | 46,5 k € | -53.0% | 98,8 k € | +194% | -105,3 k € | -143% | -43,4 k € | -11756% | -366 € | +99.4% | -62,3 k € | -69.4% | -36,8 k € | -1889% | 2,1 k € |
| Balance sheet | |||||||||||||||||||||||||||||||||||
| Equity | 999,6 k € | -0.7% | 1 M € | +138% | 423,1 k € | 0.0% | 423,1 k € | -9.6% | 468 k € | +29.7% | 360,7 k € | +63.3% | 220,9 k € | -49.5% | 437,3 k € | +28.8% | 339,6 k € | +34.3% | 252,8 k € | -24.2% | 333,4 k € | +16.2% | 286,9 k € | +52.5% | 188,1 k € | +36.6% | 137,7 k € | -24.0% | 181,1 k € | -0.2% | 181,5 k € | -25.6% | 243,8 k € | +215% | 77,4 k € |
| Total assets | 4,2 M € | +19.5% | 3,5 M € | +33.2% | 2,6 M € | +50.3% | 1,8 M € | +24.9% | 1,4 M € | -0.4% | 1,4 M € | -23.8% | 1,9 M € | +22.1% | 1,5 M € | -1.3% | 1,5 M € | +32.1% | 1,2 M € | +8.9% | 1,1 M € | +38.2% | 773,9 k € | +44.3% | 536,3 k € | -23.4% | 700,4 k € | +20.1% | 583,2 k € | +14.2% | 510,7 k € | +4.0% | 491,2 k € | +338% | 112,1 k € |
| Cash | 448,9 k € | -22.8% | 581,3 k € | +46.9% | 395,6 k € | +15.5% | 342,6 k € | -14.1% | 399,1 k € | -13.2% | 459,5 k € | -39.9% | 764,9 k € | +265% | 209,7 k € | -25.9% | 282,9 k € | -1.5% | 287,1 k € | +611% | 40,3 k € | -68.8% | 129,2 k € | +15.8% | 111,6 k € | +65.7% | 67,3 k € | -59.7% | 167,2 k € | +40.2% | 119,3 k € | +186% | 41,8 k € | -29.6% | 59,3 k € |
| Debts | 3,2 M € | +30.8% | 2,4 M € | +18.4% | 2 M € | +55.1% | 1,3 M € | +45.9% | 902,9 k € | -2.7% | 927,8 k € | -40.5% | 1,6 M € | +49.5% | 1 M € | -10.2% | 1,2 M € | +28.3% | 905,2 k € | +24.0% | 730 k € | +49.9% | 487 k € | +39.9% | 348,1 k € | -38.1% | 562,7 k € | +39.9% | 402,1 k € | +22.1% | 329,2 k € | +33.1% | 247,3 k € | +612% | 34,7 k € |
| Other | |||||||||||||||||||||||||||||||||||
| Workforce | 17,4 ETP | +33.8% | 13,0 ETP | 0.0% | 13,0 ETP | 0.0% | 13,0 ETP | +34.0% | 9,7 ETP | -21.1% | 12,3 ETP | +8.8% | 11,3 ETP | -0.9% | 11,4 ETP | +6.5% | 10,7 ETP | +44.6% | 7,4 ETP | +23.3% | 6,0 ETP | +46.3% | 4,1 ETP | +28.1% | 3,2 ETP | +18.5% | 2,7 ETP | +17.4% | 2,3 ETP | +53.3% | 1,5 ETP | +1400% | 0,1 ETP | – | |
Governance
Board of directors
Seen on filing of 31/12/2024 · 5 active · 22 ended
Financials
Annual accounts
Full financial information
| 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|---|
| Type of account | Abridged model | Abridged model | Abridged model | Abridged model | Abridged model | Abridged model |
| Start of the financial year | 01/01/2024 | 01/01/2023 | 01/01/2022 | 01/01/2021 | 01/01/2020 | 01/01/2019 |
| Closing of the financial year | 31/12/2024 | 31/12/2023 | 31/12/2022 | 31/12/2021 | 31/12/2020 | 31/12/2019 |
| Length of the financial year | 12 months | 12 months | 12 months | 12 months | 12 months | 12 months |
| Filing date | 31/07/2025 | 30/08/2024 | 28/07/2023 | 31/08/2022 | 15/07/2021 | 26/08/2020 |
| General meeting | 30/06/2025 | 29/08/2024 | 26/06/2023 | 30/06/2022 | 28/06/2021 | 29/06/2020 |
| Currency of the financial year | EUR | EUR | EUR | EUR | EUR | EUR |
| NBB quality label | Satisfying controls | Satisfying controls | Satisfying controls | Satisfying controls | Satisfying controls | Satisfying controls |
Ratios
Financial ratios
Looking for more information about this company?
Try for 7 daysFilings
Annual accounts filings
33 filings with the NBB
| Model | Closing | General meeting | Filed | Language | Document |
|---|---|---|---|---|---|
| Abridged model | 31/12/2024 | 30/06/2025 | 31/07/2025 | Dutch | |
| Abridged model | 31/12/2023 | 29/08/2024 | 30/08/2024 | Dutch | |
| Abridged model | 31/12/2022 | 26/06/2023 | 28/07/2023 | Dutch | |
| Abridged model | 31/12/2021 | 30/06/2022 | 31/08/2022 | Dutch | |
| Abridged model | 31/12/2020 | 28/06/2021 | 15/07/2021 | Dutch | |
| Abridged model | 31/12/2019 | 29/06/2020 | 26/08/2020 | Dutch | |
| Abridged model | 31/12/2018 | 24/06/2019 | 29/08/2019 | Dutch | |
| Abridged model | 31/12/2017 | 25/06/2018 | 27/08/2018 | Dutch | |
| Abridged model | 31/12/2016 | 26/06/2017 | 30/08/2017 | Dutch | |
| Abridged model | 31/12/2015 | 27/06/2016 | 29/06/2016 | Dutch | |
| Abridged model | 31/12/2014 | 29/06/2015 | 28/08/2015 | Dutch | |
| Abridged model | 31/12/2013 | 30/06/2014 | 01/07/2014 | Dutch | |
| Abridged model | 31/12/2012 | 24/06/2013 | 22/07/2013 | Dutch | |
| Abridged model | 31/12/2011 | 25/06/2012 | 06/07/2012 | Dutch | |
| Abridged model | 31/12/2010 | 23/06/2011 | 28/06/2011 | Dutch | |
| Abridged model | 31/12/2009 | 28/06/2010 | 23/08/2010 | Dutch | |
| Abridged model | 31/12/2008 | 29/06/2009 | 02/07/2009 | Dutch | |
| Abridged model | 31/12/2007 | 30/06/2008 | 30/06/2008 | Dutch | |
| Abridged model | 31/12/2006 | 02/06/2007 | 25/06/2007 | Dutch | |
| Abridged model | 31/12/2005 | 13/05/2006 | 23/05/2006 | Dutch | |
| Abridged model | 31/12/2004 | 28/05/2005 | 17/08/2005 | Dutch | |
| Abridged model | 31/12/2003 | 12/06/2004 | 30/06/2004 | Dutch | |
| Abridged model | 31/12/2002 | 31/05/2003 | 17/06/2003 | Dutch | |
| Abridged model | 31/12/2001 | 29/06/2002 | 23/07/2002 | Dutch |
Valuation
Estimate
Indicative valuation
The detail comes with the Business plan: low and high bounds, the valuation bridge for each financial year, transaction multiples by sector and size, group valuation and exports.
Disclaimer
Indicative estimate based on public sector multiples and the filed annual accounts. It is neither a certified valuation nor financial or investment advice.
Directors & structure
Governance
Board of directors
Seen on filing of 31/12/2024 · 5 active · 22 ended
Shareholders
Ownership and network
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Similar companies
Competition
Similar companies
A company's peers, by sector and size, are included in the Business plan.
See the Business planTimeline
Timeline
- 2024Annual accounts 202443,1 k €↓
- 2023Annual accounts 2023642,2 k €↑
- 2022Annual accounts 2022310,3 k €↑
- 2022Name changeClover Multi Lines
- 2021Annual accounts 202198,2 k €↓
- 2021Name changeQui-Vive Verzekeringen
- 2019Annual accounts 2019118,9 k €↓
- 2018Annual accounts 2018240,8 k €↑
- 2017Annual accounts 2017130,1 k €↑
- 2016Annual accounts 201697,7 k €↑
- 2015Annual accounts 201586,8 k €↑
- 2014Annual accounts 2014-80,6 k €↓
- 2013Annual accounts 201346,5 k €↓
- 2012Annual accounts 201298,8 k €↑
- 2011Annual accounts 2011-105,3 k €↓
- 2010Annual accounts 2010-43,4 k €↓
- 2009Annual accounts 2009-366 €↑
- 2008Annual accounts 2008-62,3 k €↓
- 2007Annual accounts 2007-36,8 k €↓
- 2006Annual accounts 20062,1 k €