ADTZ COUVERTURE
ActiveThe computed 12-month bankruptcy probability of ADTZ COUVERTURE is 3.4% (moderate). The 2024 annual accounts show equity of €48k and a net result of €-859. Equity is growing by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 65% of 36378 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability0▼-40
Solvency98▼-1
Growth52=
Stability94
Bankruptcy probability, 12 months
3.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.49 against 2.56 in 2023), and 39.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
60.1%
Return on assets
-1.1%
Age of the figures
20 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-10-2025, 92 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
92 d late
2023
92 d late
2022
59 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€48k▼ 1.7%
2023 · €49k
2022: €45k
2023: €49k
2022 → 2024
Total assets
€81k▲ 2.2%
2023 · €79k
2022: €91k
2023: €79k
2022 → 2024
Net result
€-859
2023 · €4k
2022: €43k
2023: €4k
2022 → 2024
Working capital
€48k▲ 4.1%
2023 · €46k
2022: €38k
2023: €46k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€45k-€49k▲ 8.6%€48k▼ 1.7%
Operating result€53k-€4k▼ 93.2%€-2k
Net result€43k-€4k▼ 91.0%€-859
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €2k after €4k in 2023, the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €81k
Fixed assets
€597▼ 82.2%
Current assets
€80k▲ 6.0%
Equity and liabilities €81k
Equity
€48k▼ 1.7%
Debt
€32k▲ 8.8%
The debt ratio rises from 37.5% to 39.9%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€650▼
2023 · €8k
Cash flow
€2k▼
2023 · €8k
Solvency
60.1%▼
2023 · 62.5%
Current ratio
2.49▼
2023 · 2.56
Quick ratio
2.49▼
2023 · 2.56
Debt / equity
0.66▲
2023 · 0.60
ROE
-1.8%▼
2023 · 7.9%
ROA
-1.1%▼
2023 · 5.0%
Interest coverage
0.70▼
2023 · 9.19
Debt
€32k▲
2023 · €30k
Debt ≤ 1 year
€32k▲
2023 · €30k
Income taxes
€212▼
2023 · €2k
Staff costs
€27k▼
2023 · €73k
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€79k€81k▲
Fixed assets21/28€3k€597▼
Tangible fixed assets22/27€3k€597▼
Plant, machinery and equipment23€1k€597▼
Furniture and vehicles24€2k-
Current assets29/58€75k€80k▲
Amounts receivable within one year40/41€64k€72k▲
Trade receivables40€17k€43k▲
Other amounts receivable41€47k€29k▼
Cash at bank and in hand54/58€5k€29▼
Deferred charges and accrued income490/1€7k€8k▲
Equity and liabilities
Total equity and liabilities10/49€79k€81k▲
Equity10/15€49k€48k▼
Contributions10/11€2k€2k=
Profit (loss) carried forward14€47k€46k▼
Amounts payable17/49€30k€32k▲
Amounts payable within one year42/48€30k€32k▲
Trade debts44€3k€19k▲
Suppliers440/4€3k€19k▲
Taxes, remuneration and social security45€27k€13k▼
Taxes450/3€15k€10k▼
Remuneration and social security454/9€12k€3k▼
Income statement
Code20232024
Remuneration, social security and pensions62€73k€27k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼
Other operating charges640/8€877€1k▲
Gross operating margin9900€82k€29k▼
Operating profit (loss)9901€4k€-2k▼
Financial income75/76B€3k€2k▼
Recurring financial income75€3k€2k▼
Financial charges65/66B€860€935▲
Recurring financial charges65€860€935▲
Profit (loss) for the period before taxes9903€5k€-648▼
Income taxes67/77€2k€212▼
Profit (loss) for the period9904€4k€-859▼
Profit (loss) for the period to be appropriated9905€4k€-859▼
Appropriation of the result
Profit (loss) to be appropriated9906€47k€46k▼
Profit (loss) brought forward from the previous period14P€43k€47k▲
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
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 92 days late
2024
31-12
Financial
Weakest financial yearnet €-859 ▼122%
Net result drops to €-859, the lowest in the series.
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 92 days late
2023
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 59 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Orp-Jauche · 1 establishment unit since 2021
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 Henri Grenier(O) 1121350 Orp-JaucheGround area
239 m²
Building footprint
75 m²
Volume, LiDAR
553 m³
Parcel 25082D0013/00E002, Wallonia · tallest building 9.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ADTZ COUVERTURE
since 20212.321.243.256
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25082D0013/00E002 | Wallonia | 238 m² | 1 · 75 m² | 9.7 m · 3 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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BE 0719.612.316
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Of 8,481 companies in sector 43410 we hold annual accounts for 4,308. 3,624 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-07-2021
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
43230Insulation installation
43291Specialised construction activities
43350Other building finishing work
43421Specialised construction activities
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.