Les données financières de cette entreprise sont partiellement disponibles (liasse simplifiée ou données confidentielles). Certaines sections ne sont pas affichées.

CLOVER : revenue, balance sheet and financial ratios

CLOVER is a French company founded 45 years ago, specialized in the sector Commerce de détail d'habillement en magasin spécialisé. Based in CLUNY (71250), this company of category PME shows in 2025 a net income negative of -17 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-09

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - CLOVER (SIREN 321549685)
Indicator 2025 2024
Revenue N/C N/C
Net income -17 433 € 36 869 €
EBITDA N/C N/C
Net margin N/C N/C

Revenue and income statement

In 2025, CLOVER records a net loss of 17 k€. This deficit will reduce equity on the balance sheet.

Net income (2025) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-17 433 €

Loading income statement...

Chart evolution

Show :

Assets

Loading data...

Liabilities

Loading data...

Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 23%. This very low level reflects a solid financial structure, offering significant room for future investments or acquisitions. Financial autonomy (= Equity / Total assets x 100) reaches 74%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2025) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

23.146%

Financial autonomy (2025) ?
Financial autonomy
Definition
Share of equity in the company's total financing.
Formula
(Equity / Total assets) x 100
Interpretation
> 30% : Good autonomy
20-30% : Average
< 20% : Low

73.9%

Asset age ratio (2025) ?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Interpretation
< 50% : Recent assets
50-70% : Normal wear
> 70% : Aging assets

73.9%

Solvency indicators evolution
CLOVER

Sector positioning

Debt ratio
23.15 2025
2024
2025
Q1: 2.38
Med: 23.1
Q3: 81.62
Good +25 pts over 2 years

In 2025, the debt ratio of CLOVER (23.15) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
73.9% 2025
2024
2025
Q1: 13.16%
Med: 41.83%
Q3: 65.16%
Excellent

In 2025, the financial autonomy of CLOVER (73.9%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 645.29. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2025) ?
Liquidity ratio
Definition
Ability to meet short-term debts with current assets.
Formula
Current assets / Current liabilities
Interpretation
> 1.5 : Very good
1-1.5 : Fair
< 1 : Liquidity risk

645.291

Liquidity indicators evolution
CLOVER

Sector positioning

Liquidity ratio
645.29 2025
2024
2025
Q1: 124.91
Med: 218.23
Q3: 398.1
Excellent +73 pts over 2 years

In 2025, the liquidity ratio of CLOVER (645.29) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.

Positioning of CLOVER in its sector

Comparison with sector Commerce de détail d'habillement en magasin spécialisé

Similar companies (Commerce de détail d'habillement en magasin spécialisé)

Compare CLOVER with other companies in the same sector:

Frequently asked questions about CLOVER

What is the revenue of CLOVER ?

The revenue of CLOVER is not publicly disclosed (confidential accounts filed with INPI).

Is CLOVER profitable?

CLOVER recorded a net loss in 2025.

Where is the headquarters of CLOVER ?

The headquarters of CLOVER is located in CLUNY (71250), in the department Saone-et-Loire.

Where to find the tax return of CLOVER ?

The tax return of CLOVER is available on this page. Click on a year in the 'Data by year' section to view the account details (assets, liabilities, income statement). Data comes from INPI (National Institute of Industrial Property).

In which sector does CLOVER operate?

CLOVER operates in the sector Commerce de détail d'habillement en magasin spécialisé (NAF code 47.71Z). See the 'Sector positioning' section above to compare the company with its competitors.