Equity
€62,549 =
Cools en Partners has made a profit in every financial year since 2006.
Cools en Partners
Lifetime
20 annual accounts with figures on one time axis, 22 filings since 2004peak €498,346 (2014)
€29,704▼ 78.9%
peak €351,598 (2019)
€15,811▼ 84.2%
peak €87,571 (2018)
€62,549unchanged
€61,528▼ 57.8%
peak 6.5 FTE (2018)
0 FTE
Board4 names since 2019
2 directorsBITAX and 1 other
Owners3 names in the annual accounts
70%COOLS CONSULTANCY and 1 other
Documentsfilings and deeds
23-07-20268 days before the deadline
2025abbreviated format
Gross margin from €140,910 to €29,704Result from €99,909 to €15,811Permanent representative: Paul COOLS 11-04Debts from €145,846 to €61,528Cash from €113,220 to €25,242
Key points
from the 2025 annual accountsResult
€15,811 ▼ 84.2%
The result fell in 2025: the 2024 profit included a one-off income of €107,742.
Turnover
≈ €48,000 estimated
The abbreviated format states no turnover.
Liquidity
2.33 was 1.18 in 2024
Short-term debts fell from €102,744 to €18,411.
Filings
22 annual accounts since 2004
The last five annual accounts were filed 8 to 90 days before the end of the period.
At the same address
13 companies
Checked score
90
Excellent
Financially stronger than 68% of micro companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,625 companies (NACE 68, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024lowest value
02-2025: 0.1%● unchanged vs 01-2025lowest value
03-2025: 0.1%● unchanged vs 02-2025lowest value
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.2%▲ +0.1 percentage points vs 04-2025highest value
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.2%● unchanged vs 06-2025
08-2025: 0.2%● unchanged vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025
02-2026: 0.2%● unchanged vs 01-2026
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: 0.2%● unchanged vs 07-2026
09-2026: 0.2%● unchanged vs 08-2026
10-2026: 0.2%● unchanged vs 09-2026
11-2026: 0.2%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
1 change of registered office in 24 months
lowers risk
Liquidity: current ratio 2.33, cash €25,242, halved
Sector: Real estate activities (NACE 68)
Equity €62,549 (50.4% of total assets)
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 68, micro). It does better than 64% of them on solvency, 82% on liquidity, 82% on profitability and 45% on growth.
The bankruptcy probability was computed on 08-11-2026 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, 31,368 companies had the same profile as Cools en Partners has now. Each dot stands for 79 companies, two years later.
93.5%
were still trading
5.9%
stopped another way
0.5%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Cools en Partners itself: 0.2% within 12 months.
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 31,368 companies, not a prediction for Cools en Partners. 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
Credit of up to €5,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.33 (1.18 in 2024), above the usual 1.5. Short-term debt is 14.8% and cash 20.3% of total assets. 49.6% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 days early
2024
87 days early
2023
90 days early
2022
13 days early
2021
80 days early
2020
8 days early
2019
7 days early
← 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 42 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% 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 12 May (4 of the last 5 accounts filed within 67 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
Board and ownership
- COOLS CONSULTANCY 70%score 96equity €470,276 (2025) · 2025 annual accounts of COOLS CONSULTANCY
- BITAX 30%equity €522,035 (2025) · 2025 annual accounts of BITAX
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0862174305
Permanent representative: Paul COOLS
Registered office clause: Fruithoflaan 124/0101, 2600 Antwerpen · Gazette deed
Company renamed from Accountantskantoor Cools en Partners to COOLS EN PARTNERS
Resignations: Paul Cools (manager) and Lambin Marc (manager) · Appointments: COOLS CONSULTANCY (director) and BITAX (director) · Permanent representatives: Paul Cools and Lambin Marc · Gazette deed
Incorporation
published on 19-12-2003 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Cools en Partners Antwerp | €124,078 | €29,704 | 50.4% | 0 |
| IMMO PROJECTUM Geel | €253,815 | €41,295 | 99.0% | 0 |
| ROGER COENJAERTS Zedelgem | €269,513 | €27,503 | 95.8% | 0 |
| FLOR INVEST Beloeil | €238,557 | €16,986 | -23.1% | 0 |
| DEFOSSEZ - DE BRABANDERE Schoten | €160,194 | €61,589 | 76.7% | 0.2 |
| SHAREEN Mechelen | €327,529 | €50,730 | -35.4% | 0 |
| SABBE BEDRIJF Diest | €145,634 | €23,900 | 36.0% | 0.2 |
These companies have the same main activity as Cools en Partners: renting and operating of own or leased residential real estate, excluding social housing (NACE 68201). They are comparable in size and age: total assets between €146,000 and €328,000, founded between 1985 and 2004.
Official details
Source: KBO- Status
- Active since 12-12-2003Normal situation
- Registered office
- 14 active companies are registered at this address2 started in the 12 months before. Source: KBO register, as of 9 November 2026.
- Activity
- Renting and operating of own or leased residential real estate, excluding social housingNACE 68201and 1 other
- Establishment unit
- 2.218.676.0502600 Antwerp, since 03-12-2003
- Financial year end
- 31 December
- Peppol
- Reachable since 18-11-2025
Annual accounts 2025
- €124,078▼ 40.5%
- Filing
- Filed on 23-07-2026, 8 days before the end of the filing period
Insights on Cools en Partners
Cools en Partners files the abbreviated format. That format states no turnover. The gross margin fell from €255,923 in 2006 to €29,704 in 2025.
COOLS CONSULTANCY holds 70% of the shares.
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 Cools en Partners
- What is the company number of Cools en Partners?
- The company number of Cools en Partners is 0862.174.305. The VAT number is the same number with BE in front: BE 0862.174.305.
- Where is Cools en Partners based?
- The registered office is at Fruithoflaan 124, 2600 Antwerp.Company details
- What does Cools en Partners do?
- According to the KBO register, the main activity is renting and operating of own or leased residential real estate, excluding social housing (NACE 68201).
- What is the legal form of Cools en Partners?
- Cools en Partners is a private limited company (BV).
- When was Cools en Partners founded?
- Cools en Partners was founded on 12-12-2003.
- Is Cools en Partners still active?
- Yes, Cools en Partners is an active enterprise in the KBO register.
- How many employees does Cools en Partners have?
- Cools en Partners had an average of 6.5 full-time equivalents in financial year 2018, according to the filed annual accounts.Financials
- What is the turnover of Cools en Partners?
- The turnover in financial year 2025 is ≈ €48,000. This figure is estimated from the gross margin of €29,704 and 51 comparable companies (NACE 682). It probably lies between €36,000 and €70,000.
- Is Cools en Partners profitable?
- In financial year 2025, Cools en Partners made a profit of €15,811.
- Where can I find the annual accounts of Cools en Partners?
- Cools en Partners filed 22 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Cools en Partners due?
- Cools en Partners must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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