Bernard Coucke
ActiveBernard Coucke has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €140k and a net result of €240k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 43% of 31540 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency73▼-27
Growth78=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 1.57 against 10.79 in 2024; short-term debt: 52% and cash: 28.7% of total assets), but 52.3% 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.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
47.7%
Return on assets
81.8%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-07-2026, 29 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
29 d early
2024
22 d early
2023
37 d early
2022
18 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€140k▼ 66.0%
2024 · €412k
2022: €20k
2023: €127k
2024: €412k
2022 → 2025
Total assets
€294k▼ 35.1%
2024 · €453k
2022: €83k
2023: €295k
2024: €453k
2022 → 2025
Net result
€240k▼ 15.6%
2024 · €284k
2022: €15k
2023: €107k
2024: €284k
2022 → 2025
Working capital
€88k▼ 73.9%
2024 · €336k
2022: €33k
2023: €16k
2024: €336k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€20k-€127k▲ 538%€412k▲ 223%€140k▼ 66.0%
Operating result€19k-€139k▲ 621%€384k▲ 176%€318k▼ 17.2%
Net result€15k-€107k▲ 617%€284k▲ 165%€240k▼ 15.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 17% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €294k
Fixed assets
€53k▼ 35.1%
Current assets
€240k▼ 35.0%
Equity and liabilities €294k
Equity
€140k▼ 66.0%
Debt
€154k▲ 273%
The debt ratio rises from 9.1% to 52.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€349k▼
2024 · €417k
Cash flow
€272k▼
2024 · €317k
Solvency
47.7%▼
2024 · 90.9%
Current ratio
1.57▼
2024 · 10.79
Quick ratio
1.57▼
2024 · 10.79
Debt / equity
1.10▲
2024 · 0.10
ROE
171.5%▲
2024 · 69.1%
ROA
81.8%▲
2024 · 62.8%
Interest coverage
276.70▲
2024 · 63.96
Debt
€154k▲
2024 · €41k
Debt ≤ 1 year
€153k▲
2024 · €34k
Income taxes
€76k▼
2024 · €93k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€453k€294k▼
Formation expenses20€922€182▼
Fixed assets21/28€82k€53k▼
Tangible fixed assets22/27€82k€53k▼
Plant, machinery and equipment23€7k€8k▲
Furniture and vehicles24€75k€46k▼
Current assets29/58€370k€240k▼
Amounts receivable within one year40/41€80k€152k▲
Trade receivables40€79k€150k▲
Other amounts receivable41€374€2k▲
Cash at bank and in hand54/58€289k€84k▼
Deferred charges and accrued income490/1€1k€4k▲
Equity and liabilities
Total equity and liabilities10/49€453k€294k▼
Equity10/15€412k€140k▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€407k€135k▼
Amounts payable17/49€41k€154k▲
Amounts payable within one year42/48€34k€153k▲
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€21k€27k▲
Taxes450/3€21k€27k▲
Other amounts payable47/48€12k€124k▲
Accrued charges and deferred income492/3€7k€915▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€32k▼
Other operating charges640/8€577€8k▲
Gross operating margin9900€417k€358k▼
Operating profit (loss)9901€384k€318k▼
Financial income75/76B€4€0▼
Recurring financial income75€4€0▼
Financial charges65/66B€7k€1k▼
Recurring financial charges65€7k€1k▼
Profit (loss) for the period before taxes9903€377k€316k▼
Income taxes67/77€93k€76k▼
Profit (loss) for the period9904€284k€240k▼
Profit (loss) for the period to be appropriated9905€284k€240k▼
Appropriation of the result
Profit (loss) to be appropriated9906€407k€647k▲
Profit (loss) brought forward from the previous period14P€122k€407k▲
Profit to be distributed694/7-€512k
Return on contributions (dividend)694-€512k
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €284k ▲165%
Operating result €384k, net result €284k, both a record.
31-12
Financial
Liquidity times 10current ratio 10.79
Current ratio from 1.10 to 10.79; short-term debt falls from €167k to €34k.
31-12
Financial
Equity above €200kEq €412k ▲223%
3 profitable years in a row build equity to €412k.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €127k ▲538%
2 profitable years in a row build equity to €127k.
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · 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, Koksijde · 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.
Zeedijk (Odk) 406_4038670 KoksijdeGround area
1.6 ha
Building footprint
176 m²
Volume, LiDAR
3,268 m³
Parcel 38502F0115/00C000, Flanders · tallest building 20.7 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Bernard Coucke
since 20212.315.598.252
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38502F0115/00C000 | Flanders | 1.6 ha | 1 · 176 m² | 20.7 m · 6 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.
Similar companies · same sector, comparable size
FLEXCOM
BE 0785.643.580
Antwerpen · Eq €140k
INTERNATIONAL PATRIMOINE - SINCE 1954
BE 0461.363.969
Etterbeek · Eq €140k
LEDA-CC
BE 0790.205.352
Middelkerke · Eq €140k
De Vliender
BE 0766.327.417
Maarkedal · Eq €140k
W'AARDE
BE 0645.743.945
Herent · Eq €140k
Of 82,546 companies in sector 70200 we hold annual accounts for 52,562. 40,865 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-04-2021
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:bernardcouckebv@outlook.com