Equity
-€8,768
Debts exceed assets in financial year 2025.
ANDRE COUCHARD
Lifetime
20 annual accounts with figures on one time axis, 26 filings since 1999peak €30,738 (2009)
-not published
lowest -€12,140 (2006)
-€30▲ €68
peak €11,011 (2015)
-€8,768▼ €30
€21,234▼ 1.2%
Board3 names since 2020
1 directorPhilippe Pattyn
Documentsfilings and deeds
10-08-202610 days late
2025micro format
Loss of €30Cash from €269 to €6
Key points
from the 2025 annual accountsLosses
-€11,236 in four years
Every financial year from 2022 to 2025 closed with a loss. 2022 was the heaviest.
Debts
€21,234 170% of the balance sheet
Filings
26 annual accounts since 1999
Five of the last ten came late. The 2016 accounts came latest: 31 days after the end of the period.
Board
1 joined · 1 left
Board changed. Latest change 05-10-2026 · 1 in office.
Position in the sector
-70.3%
Lower solvency than 95% of companies in computer programming and consultancy. Sector median 60.0% · 21,206 companies.
Checked score
53
Fair
Financially stronger than 15% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,932 companies (NACE 62, micro).
About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.4%
01-2025: 0.4%● unchanged vs 12-2024
02-2025: 0.4%● unchanged vs 01-2025
03-2025: 0.4%● unchanged vs 02-2025
04-2025: 0.4%● unchanged vs 03-2025
05-2025: 0.4%● unchanged vs 04-2025
06-2025: 0.4%● unchanged vs 05-2025
07-2025: 0.5%▲ +0.1 percentage points vs 06-2025highest value
08-2025: 0.2%▼ -0.3 percentage points vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025lowest value
11-2025: 0.2%● unchanged vs 10-2025lowest value
12-2025: 0.2%● unchanged vs 11-2025lowest value
01-2026: 0.2%● unchanged vs 12-2025lowest value
02-2026: 0.2%● unchanged vs 01-2026lowest value
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.2%● unchanged vs 06-2026
08-2026: 0.4%▲ +0.2 percentage points vs 07-2026
09-2026: 0.4%● unchanged vs 08-2026
10-2026: 0.4%● unchanged vs 09-2026
11-2026: 0.4%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€8,768
Liquidity: current ratio 0.59, cash €6, halved
lowers risk
Size: total assets €12,466
Sector: Computer programming, consultancy and related activities (NACE 62)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro). It does better than 3% of them on solvency, 1% on liquidity, 18% on profitability and 39% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 2,796 companies had the same profile as ANDRE COUCHARD has now. Each dot stands for 7 companies, two years later.
90.3%
were still trading
6.0%
stopped another way
2.1%
went bankrupt
Another 1.5% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of ANDRE COUCHARD itself is lower: 0.4% within 12 months. It rests on far more data about ANDRE COUCHARD than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,796 companies, not a prediction for ANDRE COUCHARD. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.59 (0.59 in 2024), below 1. Short-term debt is 170.3% and cash 0% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€8,768
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-08-2026, 10 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
10 days late
2024
2 days early
2023
34 days early
2022
on the day
2021
27 days early
2020
27 days late
2019
31 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 1 day after the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Appointment: André Couchard (director)
Resignation: Philippe Pattyn (director) · General meeting of 14-09-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0464614954
New manager
Philippe Pattyn appointed, André Couchard resigned · General meeting of 11-12-2023 · Gazette deed
New manager
André Couchard appointed, Isabelle Simon resigned · General meeting of 09-09-2022 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| ANDRE COUCHARD Braine-le-Comte | €12,466 | - | -70.3% | - |
| WORDSCOPE Etterbeek | €12,236 | -€6,682 | -561.3% | - |
| ARGOS SERVICES Koekelberg | €11,541 | -€1,074 | 93.7% | - |
| Obycron Kontich | €13,539 | -€10,158 | -67.6% | - |
| UMS-CONCEPTS Bilzen-Hoeselt | €11,936 | €10,785 | -30.6% | - |
| HAMILTON ASSOCIATES Bertem | €11,515 | €1,319 | 95.6% | - |
| DELTA-PI Nijlen | €13,423 | -€20,464 | -247.1% | - |
These companies have the same main activity as ANDRE COUCHARD: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €11,500 and €13,500, founded between 1996 and 2001.
Official details
Source: KBO- Status
- Active since 18-11-1998Normal situation
- Activity
- Computer consultancy and computer facilities managementNACE 62200and 1 other
- Establishment unit
- 2.114.837.7487090 Braine-le-Comte, since 10-01-2003
- Financial year end
- 31 December
- Peppol
- Reachable since 06-05-2026
Insights on ANDRE COUCHARD
ANDRE COUCHARD files the micro format. That format states no turnover. The gross margin rose from -€8,071 in 2006 to -€97 in 2024.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about ANDRE COUCHARD
- What is the company number of ANDRE COUCHARD?
- The company number of ANDRE COUCHARD is 0464.614.954. The VAT number is the same number with BE in front: BE 0464.614.954.
- Where is ANDRE COUCHARD based?
- The registered office is at Rue Saint-Georges 66, 7090 Braine-le-Comte.Company details
- What does ANDRE COUCHARD do?
- According to the KBO register, the main activity is computer consultancy and computer facilities management (NACE 62200).
- What is the legal form of ANDRE COUCHARD?
- ANDRE COUCHARD is a private limited company (pre-2019) (BVBA).
- When was ANDRE COUCHARD founded?
- ANDRE COUCHARD was founded on 18-11-1998.
- Is ANDRE COUCHARD still active?
- Yes, ANDRE COUCHARD is an active enterprise in the KBO register.
- What is the turnover of ANDRE COUCHARD?
- The annual accounts for financial year 2025 state no turnover.Financials
- Is ANDRE COUCHARD profitable?
- In financial year 2025, ANDRE COUCHARD made a loss of €30.
- Where can I find the annual accounts of ANDRE COUCHARD?
- ANDRE COUCHARD filed 26 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of ANDRE COUCHARD due?
- ANDRE COUCHARD must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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