SIREN : 848975918
CLOVER is a French company founded 7 years ago, specialized in the sector Activités des sociétés holding. Based in SAULTAIN (59990), this company of category ETI shows in 2024 a revenue of 1.3 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-05-02
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2021 | 2020 |
|---|---|---|---|---|
| Revenue | 1 330 503 € | 716 310 € | 679 161 € | 600 520 € |
| Net income | 231 546 € | 509 571 € | 3 434 941 € | 3 147 915 € |
| EBITDA | -186 268 € | -1 281 579 € | -554 134 € | -786 312 € |
| Net margin | 17.4% | 71.1% | 505.8% | 524.2% |
In 2024, CLOVER achieves revenue of 1.3 M€. Over the period 2020-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +22.0%. Vs 2023, growth of +86% (716 k€ -> 1.3 M€). After deducting consumption (0 €), gross margin stands at 1.3 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -186 k€, representing -14.0% of revenue. Positive scissor effect: EBITDA margin improves by +164.9 pts, sign of improved operational efficiency. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 232 k€, i.e. 17.4% of revenue. This profit can be retained or distributed to shareholders.
1 330 503 €
1 330 503 €
-186 268 €
-215 985 €
231 546 €
-14.0%
The debt ratio (= Financial debt / Equity x 100) stands at 77%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 56%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 7.6 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 253.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
77.374%
56.16%
253.874%
7.629
63.4%
In 2024, the debt ratio of CLOVER (77.37) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2024, the financial autonomy of CLOVER (56.2%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2024, the repayment capacity of CLOVER (7.63) ranks above the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A reduction effort could improve financial strength.
The liquidity ratio (= Current assets / Current liabilities) stands at 3428.67. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
3428.673
-2192.881
In 2024, the liquidity ratio of CLOVER (3428.67) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.
In 2024, the interest coverage of CLOVER (-2192.9x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 37 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 33 days. The company must finance 4 days of gap between collections and payments. Overall, WCR represents 1854 days of revenue, i.e. 6.9 M€ to permanently finance. Over 2020-2024, WCR increased by +181%, requiring additional financing.
6 850 241 €
37 j
33 j
0 j
1854 j
Based on 54 transactions of similar company sales
in 2024,
the value of CLOVER is estimated at
605 236 €
(range 378 650€ - 1 250 479€).
The price/revenue ratio is 0.59x
(in line with sector norms).
This multiples method compares the actual sale price of similar companies to their financial indicators (Revenue, EBITDA, Net Income). It provides a market-based indicative estimate.
Medium reliability: estimate to be confirmed with in-depth analysis.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 54 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare CLOVER with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of CLOVER in 2024 is 1.3 M€.
Yes, CLOVER generated a net profit of 232 k€ in 2024.
The headquarters of CLOVER is located in SAULTAIN (59990), in the department Nord.
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).
CLOVER operates in the sector Activités des sociétés holding (NAF code 64.20Z). See the 'Sector positioning' section above to compare the company with its competitors.