Coachman
ActiveCoachman is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €2k and a net result of €92. Equity is shrinking by ~29.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 2410 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €2k
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 16-02-2026, 165 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
165 d early
2024
55 d early
2023
49 d early
2022
70 d early
2021
59 d early
2020
63 d early
2019
64 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2k▲ 5.5%
2024 · €2k
2018: €17k
2019: €17k
2020: €20k
2021: €20k
2022: €20k
2023: €1k
2024: €2k
2018 → 2025
Net result
€92▼ 61.0%
2024 · €237
2018: €-219
2019: €138
2020: €3k
2021: €140
2022: €84
2023: €35
2024: €237
2018 → 2025
Total assets
€2k▼ 70.7%
2024 · €6k
2018: €24k
2019: €25k
2020: €25k
2021: €25k
2022: €25k
2023: €6k
2024: €6k
2018 → 2025
Solvency
97.4%▲ 70.4pp
2024 · 27.1%
2018: 71.4%
2019: 70.0%
2020: 80.3%
2021: 81.2%
2022: 81.2%
2023: 23.6%
2024: 27.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€20k-€20k▲ 0.4%€1k▼ 92.8%€2k▲ 16.6%€2k▲ 5.5%
Operating result€430-€295▼ 31.5%€310▲ 5.2%€410▲ 32.2%€193▼ 52.9%
Net result€140-€84▼ 39.8%€35▼ 58.4%€237▲ 575%€92▼ 61.0%
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 53% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €2k
Equity
€2k▲ 5.5%
Debt
€46▼ 99.0%
The debt ratio falls from 72.9% to 2.6%: equity grows while debt is paid down.
Key figures and ratios
Debt
€46▼
2024 · €5k
Debt ≤ 1 year
€46▼
2024 · €5k
Income taxes
€46▼
2024 · €121
Ratios withheld: a balance sheet total of €2k is too small for a meaningful ratio.
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€6k€2k▼
Current assets29/58€6k€2k▼
Amounts receivable within one year40/41€950€300▼
Trade receivables40€950€300▼
Cash at bank and in hand54/58€5k€2k▼
Equity and liabilities
Total equity and liabilities10/49€6k€2k▼
Equity10/15€2k€2k▲
Reserves13€2k€2k▲
Distributable reserves133€2k€2k▲
Amounts payable17/49€5k€46▼
Amounts payable within one year42/48€5k€46▼
Taxes, remuneration and social security45€121€46▼
Taxes450/3€121€46▼
Other amounts payable47/48€4k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€495-
Other operating charges640/8€451€589▲
Gross operating margin9900€1k€782▼
Operating profit (loss)9901€410€193▼
Financial charges65/66B€51€54▲
Recurring financial charges65€51€54▲
Profit (loss) for the period before taxes9903€359€139▼
Income taxes67/77€121€46▼
Profit (loss) for the period9904€237€92▼
Profit (loss) for the period to be appropriated9905€237€92▼
Appropriation of the result
Profit (loss) to be appropriated9906€237€92▼
Transfer to equity691/2€237€92▼
To other reserves6921€237€92▼
The notes to these accounts (2 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
16-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity times 29current ratio 39.09
Current ratio from 1.37 to 39.09; short-term debt falls from €5k to €46.
06-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
12-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
02-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €3k ▲1742%
Operating result €3k, net result €3k, both a record.
28-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €138
Net result €138 after one loss-making year.
12-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Heusden-Zolder · 1 establishment unit since 2015
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.
Koedrieshof 113550 Heusden-ZolderGround area
1,054 m²
Building footprint
123 m²
Volume, LiDAR
612 m³
Parcel 71462D0629/00F000, Flanders · tallest building 6.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Coachman
since 20152.248.194.338
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71462D0629/00F000 | Flanders | 1,054 m² | 1 · 123 m² | 6.6 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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UMBRA NOCTURNA
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Of 851 companies in sector 66210 we hold annual accounts for 512. 55 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-12-2015
Fiscal year end31-12
Activities, NACEBEL
66210Risk and damage evaluation
Sources
Crossroads Bank for EnterprisesNational Bank · 10 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.