Coelembier Holding 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 €6.26M and a net result of €77k. Equity remains stable across the filed fiscal years (±1.3% per year). Its solvency ranks better than 37% of 2377 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 10-09-2025, 51 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
51 d early
2024
34 d early
2023
25 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close17-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, full schema
Equity
€6.26M▲ 1.3%
2024 · €6.18M
2023: €6.10M
2024: €6.18M
2023 → 2025
Net result
€77k▼ 8.3%
2024 · €84k
2023: €3.60M
2024: €84k
2023 → 2025
Total assets
€13.82M▲ 0.8%
2024 · €13.71M
2023: €13.68M
2024: €13.71M
2023 → 2025
Solvency
45.3%▲ 0.2pp
2024 · 45.1%
2023: 44.6%
2024: 45.1%
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Turnover€158k-€295k▲ 87.3%€295k=
Equity€6.10M-€6.18M▲ 1.4%€6.26M▲ 1.3%
Operating result€80k-€194k▲ 143%€173k▼ 10.8%
Net result€3.60M-€84k▼ 97.7%€77k▼ 8.3%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 11% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €13.82M
Fixed assets
€9.78M=
Current assets
€4.04M▲ 2.9%
Equity and liabilities €13.82M
Equity
€6.26M▲ 1.3%
Debt
€7.56M▲ 0.5%
The debt ratio falls from 54.9% to 54.7%. Equity and debt are higher.
Key figures and ratios
Solvency
45.3%▲
2024 · 45.1%
ROE
1.2%▼
2024 · 1.4%
ROA
0.6%▼
2024 · 0.6%
Debt
€7.56M▲
2024 · €7.52M
Debt ≤ 1 year
€38k▲
2024 · €2k
Debt > 1 year
€7.40M=
2024 · €7.40M
Income taxes
€31k▼
2024 · €34k
A ratio outside any meaningful range has been withheld (balance sheet total €13.82M, equity €6.26M).
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€13.71M€13.82M▲
Fixed assets21/28€9.78M€9.78M=
Financial fixed assets28€9.78M€9.78M=
Affiliated companies280/1€9.78M€9.78M=
Participating interests280€9.78M€9.78M=
Current assets29/58€3.92M€4.04M▲
Stocks and contracts in progress3€0€0=
Amounts receivable within one year40/41€3.86M€3.97M▲
Trade receivables40€59k€59k=
Other amounts receivable41€3.80M€3.91M▲
Cash at bank and in hand54/58€35k€65k▲
Deferred charges and accrued income490/1€26k€0▼
Equity and liabilities
Total equity and liabilities10/49€13.71M€13.82M▲
Equity10/15€6.18M€6.26M▲
Contributions10/11€2.50M€2.50M=
Reserves13€3.68M€3.76M▲
Distributable reserves133€3.68M€3.76M▲
Profit (loss) carried forward14€0-
Amounts payable17/49€7.52M€7.56M▲
Amounts payable after more than one year17€7.40M€7.40M=
Financial debts170/4€7.40M€7.40M=
Subordinated loans170€6.80M€6.80M=
Credit institutions173€600k€600k=
Amounts payable within one year42/48€2k€38k▲
Trade debts44€1k€872▼
Suppliers440/4€1k€872▼
Taxes, remuneration and social security45€1k€15k▲
Taxes450/3€1k€15k▲
Other amounts payable47/48€0€22k▲
Accrued charges and deferred income492/3€122k€122k▼
Income statement
Code20242025
Operating income70/76A€295k€295k▲
Turnover70€295k€295k=
Other operating income74-€197
Operating charges60/66A€101k€122k▲
Services and other goods61€100k€121k▲
Other operating charges640/8€499€513▲
Operating profit (loss)9901€194k€173k▼
Financial income75/76B€103k€112k▲
Recurring financial income75€103k€112k▲
Income from financial fixed assets750€0-
Income from current assets751€103k€112k▲
Financial charges65/66B€178k€178k▼
Recurring financial charges65€178k€178k▼
Debt charges650€177k€177k=
Other financial charges652/9€1k€684▼
Profit (loss) for the period before taxes9903€119k€108k▼
Income taxes67/77€34k€31k▼
Taxes670/3€34k€31k▼
Tax adjustments and reversals of tax provisions77-€183
Profit (loss) for the period9904€84k€77k▼
Profit (loss) for the period to be appropriated9905€84k€77k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3.68M€77k▼
Profit (loss) brought forward from the previous period14P€3.60M€0▼
Transfer to equity691/2€3.68M€77k▼
To other reserves6921€3.68M€77k▼
The notes to these accounts (31 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
2025
10-09
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
31-03
Financial
Weakest financial yearnet €77k ▼8.3%
Net result drops to €77k, the lowest in the series.
2024
27-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
31-03
Financial
Liquidity times 29current ratio 1886.25
Current ratio from 64.77 to 1886.25; short-term debt falls from €60k to €2k.
2023
06-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Kuurne · 1 establishment unit since 2022
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.
Vijverhoek 45-478520 KuurneGround area
8,456 m²
Building footprint
4,171 m²
Volume, LiDAR
26,250 m³
Parcel 34023A0444/00F000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Coelembier Holding
since 20222.329.868.635
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34023A0444/00F000 | Flanders | 8,455 m² | 1 · 4,171 m² | 9.3 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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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 7,438 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-04-2022
Fiscal year end31-03
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.