COBUT Jean
ActiveCOBUT Jean has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €88k and a net result of €33k. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 71% of 4444 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability97▲+93
Solvency86▼-14
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.15 against 3.48 in 2024; short-term debt: 39.4% and cash: 6.8% of total assets), and 39.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Sector 81
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
60.6%
Return on assets
22.7%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €88k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
28 d late
2023
30 d late
2022
24 d late
2021
9 d early
2020
30 d late
2019
98 d late
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€88k▲ 59.8%
2024 · €55k
2018: €70k
2019: €73k
2020: €55k
2021: €70k
2022: €63k
2023: €64k
2024: €55k
2018 → 2025
Total assets
€145k▲ 102%
2024 · €72k
2018: €108k
2019: €137k
2020: €101k
2021: €102k
2022: €123k
2023: €85k
2024: €72k
2018 → 2025
Net result
€33k
2024 · €-9k
2018: €9k
2019: €2k
2020: €-18k
2021: €15k
2022: €-7k
2023: €594
2024: €-9k
2018 → 2025
Working capital
€9k▼ 79.5%
2024 · €42k
2018: €69k
2019: €66k
2020: €45k
2021: €60k
2022: €53k
2023: €48k
2024: €42k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€70k-€63k▼ 9.7%€64k▲ 0.9%€55k▼ 13.5%€88k▲ 59.8%
Operating result€16k-€-6k€1k€-8k€37k
Net result€15k-€-7k€594€-9k€33k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €37k after a loss of €8k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €145k
Fixed assets
€79k▲ 500%
Current assets
€66k▲ 12.2%
Equity and liabilities €145k
Equity
€88k▲ 59.8%
Debt
€57k▲ 239%
The debt ratio rises from 23.5% to 39.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€51k▲
2024 · €-3k
Cash flow
€47k▲
2024 · €-4k
Solvency
60.6%▼
2024 · 76.5%
Current ratio
1.15▼
2024 · 3.48
Quick ratio
0.75▼
2024 · 2.09
Debt / equity
0.65▲
2024 · 0.31
ROE
37.4%▲
2024 · -15.6%
ROA
22.7%▲
2024 · -12.0%
Interest coverage
69.49▲
2024 · -2.38
Debt
€57k▲
2024 · €17k
Debt ≤ 1 year
€57k▲
2024 · €17k
Income taxes
€4k
Staff costs
€48k▲
2024 · €35k
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€72k€145k▲
Fixed assets21/28€13k€79k▲
Tangible fixed assets22/27€13k€79k▲
Plant, machinery and equipment23€6k€38k▲
Furniture and vehicles24€7k€42k▲
Financial fixed assets28€100€100=
Current assets29/58€59k€66k▲
Stocks and contracts in progress3€24k€23k▼
Stocks30/36€24k€23k▼
Amounts receivable within one year40/41€26k€31k▲
Trade receivables40€3k€10k▲
Other amounts receivable41€23k€21k▼
Cash at bank and in hand54/58€9k€10k▲
Deferred charges and accrued income490/1€425€2k▲
Equity and liabilities
Total equity and liabilities10/49€72k€145k▲
Equity10/15€55k€88k▲
Contributions10/11€19k€19k=
Capital10€19k-
Issued capital100€19k-
Reserves13€2k€35k▲
Non-distributable reserves130/1€2k-
Legal reserve130€2k-
Distributable reserves133-€35k
Profit (loss) carried forward14€35k€35k=
Amounts payable17/49€17k€57k▲
Amounts payable within one year42/48€17k€57k▲
Current portion of amounts payable after more than one year42€2k€2k▼
Financial debts43€19€6▼
Credit institutions430/8€19€6▼
Trade debts44€8k€18k▲
Suppliers440/4€8k€18k▲
Advances received on contracts in progress46-€30k
Taxes, remuneration and social security45€7k€7k▼
Taxes450/3€60€235▲
Remuneration and social security454/9€7k€7k▼
Income statement
Code20242025
Remuneration, social security and pensions62€35k€48k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€14k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€34k€100k▲
Operating profit (loss)9901€-8k€37k▲
Financial income75/76B€364€551▲
Recurring financial income75€364€551▲
Financial charges65/66B€1k€735▼
Recurring financial charges65€1k€735▼
Profit (loss) for the period before taxes9903€-9k€37k▲
Income taxes67/77-€4k
Profit (loss) for the period9904€-9k€33k▲
Profit (loss) for the period to be appropriated9905€-9k€33k▲
Appropriation of the result
Profit (loss) to be appropriated9906€35k€68k▲
Profit (loss) brought forward from the previous period14P€43k€35k▼
Transfer to equity691/2-€33k
To other reserves6921-€33k
The notes to these accounts (8 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €33k
Net result €33k after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Back to profitnet €594
Net result €594 after one loss-making year.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Weakest financial yearnet €-18k ▼884%
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
06-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 98 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
10-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 41 days late
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 58 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Erquelinnes · 1 establishment unit since 2004
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 Notre-Dame 186560 ErquelinnesGround area
5,209 m²
Building footprint
225 m²
Parcel 56022B0479/00F000, Wallonia. Linked by address, not a title deed.
1 establishment unit
sprl cobut jean
since 20042.137.091.528
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56022B0479/00F000 ProtectedSite or landscape |
Wallonia | 5,209 m² | 1 · 225 m² | - |
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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 21,216 companies in sector 81300 we hold annual accounts for 4,363. 3,632 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded03-05-2004
Fiscal year end31-12
Activities, NACEBEL
01410Raising of dairy cattle
81300Landscape service activities
42220Construction of utility projects for electricity and telecommunications
43110Demolition
43120Site preparation
43130Specialised construction activities
45111
45112
45215
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.