ACouvert
ActiveThe computed 12-month bankruptcy probability of ACouvert is 3.8% (moderate). The annual accounts of ACouvert for fiscal year 2024 show a net loss of 66% of total assets and of 53% of the equity at the start of that year. The 2024 annual accounts show equity of €13k and a net result of €-14k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 63% of 36373 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
46
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0=
Solvency83▼-17
Growth52=
Track record100
Bankruptcy probability, 12 months
3.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 2.13 against 63.06 in 2023; short-term debt: 41.8% of total assets), and 41.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
58.2%
Return on assets
-65.9%
Age of the figures
21 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
21222324
2021 to 2024 · latest year €-14k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-06-2025, 34 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
34 d early
2023
36 d early
2022
32 d early
2021
37 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-14k▼ 101%
2023 · €-7k
2021: €-4k
2022: €23k
2023: €-7k
2021 → 2024
Working capital
€10k▼ 53.8%
2023 · €22k
2021: €159
2022: €26k
2023: €22k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€11k-€34k▲ 219%€27k▼ 20.9%€13k▼ 53.1%
Operating result€-4k-€26k€-7k€-14k▼ 100%
Net result€-4k-€23k€-7k€-14k▼ 101%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €14k in 2024 against €7k in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €22k
Fixed assets
€2k▼ 50.0%
Current assets
€19k▼ 14.1%
Equity and liabilities €22k
Equity
€13k▼ 53.1%
Debt
€9k▲ 2,447%
The debt ratio rises from 1.3% to 41.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-11k▼
2023 · €-4k
Cash flow
€-12k▼
2023 · €-4k
Solvency
58.2%▼
2023 · 98.7%
Current ratio
2.13▼
2023 · 63.06
Quick ratio
1.38▼
2023 · 43.19
Debt / equity
0.72▲
2023 · 0.01
ROE
-113.3%▼
2023 · -26.4%
ROA
-65.9%▼
2023 · -26.0%
Interest coverage
-25.27▼
2023 · -21.23
Debt
€9k▲
2023 · €358
Debt ≤ 1 year
€9k▲
2023 · €358
Staff costs
€23k▼
2023 · €54k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€27k€22k▼
Fixed assets21/28€5k€2k▼
Tangible fixed assets22/27€5k€2k▼
Plant, machinery and equipment23€5k€2k▼
Current assets29/58€23k€19k▼
Stocks and contracts in progress3€7k€7k▼
Stocks30/36€7k€7k▼
Amounts receivable within one year40/41€2k€10k▲
Trade receivables40-€7k
Other amounts receivable41€2k€3k▲
Cash at bank and in hand54/58€13k-
Deferred charges and accrued income490/1€801€2k▲
Equity and liabilities
Total equity and liabilities10/49€27k€22k▼
Equity10/15€27k€13k▼
Contributions10/11€15k€15k=
Profit (loss) carried forward14€12k€-2k▼
Amounts payable17/49€358€9k▲
Amounts payable within one year42/48€358€9k▲
Financial debts43-€7k
Credit institutions430/8-€7k
Trade debts44€358€2k▲
Suppliers440/4€358€2k▲
Other amounts payable47/48-€200
Income statement
Code20232024
Remuneration, social security and pensions62€54k€23k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€450€450=
Gross operating margin9900€50k€12k▼
Operating profit (loss)9901€-7k€-14k▼
Financial charges65/66B€192€455▲
Recurring financial charges65€192€455▲
Profit (loss) for the period before taxes9903€-7k€-14k▼
Profit (loss) for the period9904€-7k€-14k▼
Profit (loss) for the period to be appropriated9905€-7k€-14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€12k€-2k▼
Profit (loss) brought forward from the previous period14P€19k€12k▼
Social balance
Average headcount (FTE)90871.0-
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-14k
Net result drops to €-14k, the lowest in the series.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Liquidity quadruplescurrent ratio 63.06
Current ratio from 16.09 to 63.06; short-term debt falls from €2k to €358.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Back to profitnet €23k
Net result €23k after one loss-making year.
31-12
Financial
Liquidity times 16current ratio 16.09
Current ratio from 1.02 to 16.09; short-term debt falls from €8k to €2k.
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Visé · 1 establishment unit since 2020
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue Foresterie(RIC) 94600 ViséGround area
1,867 m²
Building footprint
148 m²
Volume, LiDAR
835 m³
Parcel 62005A0186/00E000, Wallonia · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Foresterie(RIC) 9, 4600 Visé
since 20202.305.960.313
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62005A0186/00E000 | Wallonia | 1,867 m² | 1 · 148 m² | 9.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 8,563 companies in sector 43410 we hold annual accounts for 4,355. 2,552 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-08-2020
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
24430Manufacture of basic metals
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.