COLETTE ENCLIN
ActiveSummary
COLETTE ENCLIN has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €133k and a net result of €9k. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 48% of 11322 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▲+66
Solvency65=
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 1.58 against 1.56 in 2024; short-term debt: 60.2% and cash: 62.1% of total assets), but 60.2% of the assets are financed with debt.
Credit check 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 · 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
39.8%
Return on assets
2.6%
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 29-05-2026, 63 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
63 d early
2024
on the day
2023
119 d late
2022
58 d late
2021
18 d late
2020
31 d late
2019
101 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€0
Total assets
€334k▲ 7.7%
2024 · €310k
2018: €421k
2019: €435k
2020: €451k
2021: €458k
2022: €504k
2023: €371k
2024: €310k
2018 → 2025
Net result
€9k
2024 · €-31k
2018: €-5k
2019: €1k
2020: €4k
2021: €-25
2022: €38k
2023: €-14k
2024: €-31k
2018 → 2025
Working capital
€117k▲ 12.5%
2024 · €104k
2018: €-157k
2019: €-59k
2020: €-106k
2021: €26k
2022: €142k
2023: €128k
2024: €104k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€0
Equity€143k-€169k▲ 18.0%€155k▼ 8.2%€124k▼ 20.1%€133k▲ 7.0%
Operating result€5k-€54k▲ 1,055%€-13k€-31k▼ 148%€9k
Net result€-25-€38k€-14k€-31k▼ 125%€9k
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: €9k after a loss of €31k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €334k
Fixed assets
€16k ▼ 21.6%
Current assets
€319k ▲ 9.7%
Equity and liabilities €334k
Equity
€133k ▲ 7.0%
Debt
€201k ▲ 8.1%
Debt's share of the balance-sheet total rises from 60.0% to 60.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€15k▲
2024 · €-24k
Cash flow
€14k▲
2024 · €-23k
Current ratio
1.58▲
2024 · 1.56
Quick ratio
1.05▲
2024 · 0.64
Debt to equity
1.51▲
2024 · 1.50
ROE
6.6%▲
2024 · -25.1%
ROA
2.6%▲
2024 · -10.0%
Interest coverage
48.24▲
2024 · -69.83
Debt ≤ 1 year
€201k▲
2024 · €186k
Income taxes
€1k▲
2024 · €128
Staff costs
€0
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€310k€334k▲
Fixed assets21/28€20k€16k▼
Tangible fixed assets22/27€20k€16k▼
Plant, machinery and equipment23€0€0=
Furniture and vehicles24€18k€14k▼
Other tangible fixed assets26€2k€1k▼
Current assets29/58€291k€319k▲
Stocks and contracts in progress3€172k€108k▼
Stocks30/36€172k€108k▼
Amounts receivable within one year40/41€3k€3k▼
Trade receivables40€639€3k▲
Other amounts receivable41€2k€192▼
Cash at bank and in hand54/58€116k€208k▲
Deferred charges and accrued income490/1€98€0▼
Equity and liabilities
Total equity and liabilities10/49€310k€334k▲
Equity10/15€124k€133k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€6k€15k▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133-€9k
Profit (loss) carried forward14€56k€56k=
Amounts payable17/49€186k€201k▲
Amounts payable within one year42/48€186k€201k▲
Trade debts44€682€6k▲
Suppliers440/4€682€6k▲
Advances received on contracts in progress46€12k€5k▼
Taxes, remuneration and social security45€0€6k▲
Taxes450/3-€6k
Other amounts payable47/48€173k€185k▲
Income statement
Code20242025
Turnover70-€0
Goods, raw materials, services and sundry goods60/61-€0
Remuneration, social security and pensions62-€0
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€6k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€-22k€16k▲
Operating profit (loss)9901€-31k€9k▲
Financial income75/76B€752€1k▲
Recurring financial income75€752€1k▲
Financial charges65/66B€340€305▼
Recurring financial charges65€340€305▼
Profit (loss) for the period before taxes9903€-31k€10k▲
Income taxes67/77€128€1k▲
Profit (loss) for the period9904€-31k€9k▲
Profit (loss) for the period to be appropriated9905€-31k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€56k€65k▲
Profit (loss) brought forward from the previous period14P€87k€56k▼
Transfer to equity691/2-€9k
To other reserves6921-€9k
The notes to these accounts (4 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
29-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €9k
Net result €9k after 2 loss-making years.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-31k
Net result drops to €-31k, the lowest in the series; recovery starts the following year.
27-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 119 days late
2023
27-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 58 days late
2022
31-12
Financial
Back to profitnet €38k
Net result €38k after one loss-making year.
31-12
Financial
Equity above €150kEq €169k ▲18%
Equity rises from €143k to €169k.
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
09-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 101 days late
2019
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
Show earlier events
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
06-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 6 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Liège · 1 establishment unit since 1991
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.
Route du Condroz 4854031 LiègeGround area
1,652 m²
Building footprint
688 m²
Volume, LiDAR
3,180 m³
Parcel 62002C0719/00A000, Wallonia · tallest building 6.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Route du Condroz 485, 4031 Liège
since 19912.054.979.444
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62002C0719/00A000 | Wallonia | 1,652 m² | 1 · 688 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.
Similar companies · same sector, comparable size
PETER MESSIAEN
BE 0472.457.997
Zwevegem · Eq €132,600
Brecht's Autocenter
BE 0821.477.459
Antwerpen · Eq €132,197
SALES PRO
BE 0434.750.436
Wellen · Eq €131,837
ST-MICHEL
BE 0474.118.974
Zaventem · Eq €131,192
INDRA CARS
BE 0471.444.249
Sint-Lievens-Houtem · Eq €134,952
Of 2,128 companies in sector 46711 we hold annual accounts for 1,126. 756 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded30-10-1991
Fiscal year end31-12
Activities, NACEBEL 2025
46711Wholesale of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.