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Coomans Construct

Active
Private limited companyfounded 2023active for 3 yearsDiepezoel 4, 2440 Geel, BelgiumKBO/BCE: BE 0804.348.348
Summary

The computed 12-month bankruptcy probability of Coomans Construct is 3.3% (moderate). The 2025 annual accounts show equity of €60,318 and a net result of €26,770. Equity is growing by about 61% per year across the filed financial years. Its solvency ranks better than 73% of 34,190 sector peers (NACE 43, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Activity
Other specialised construction activities
NACE 43990
1 site
Size
€89,035total assets 2025
Equity
€60,318
Profit
€26,770
Turnover not published (micro format)
Financial health
52 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
3.3%
Structure
Accounts filed 8 days late0 of 2 deeds read
Why 52raises riskFounded in 20231 change of registered office in 24 monthsLiquidity: current ratio 1.25, cash €1,560, halvedlowers riskFigures for financial year 2025 (filed 08-08-2026)Show the evidence

Checked score

Score 2025
52 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 70% of its sector peers (NACE 43, micro)
Financial strength · tick = 2024
Strong
Solvency 93+22
equity 67.7% of total assets
Liquidity 38-34
short-term debt 32.1% · cash 1.8%
Profitability 100+4
return on assets 30.1%
Bankruptcy probability, 12 months
3.3% Moderate
0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,532 companies, NACE 43, micro)
Last 24 months 11-2024: 0.9% 12-2024: 0.9%● unchanged vs 11-2024 01-2025: 1.0%▲ +0.1 percentage points vs 12-2024 02-2025: 1.0%● unchanged vs 01-2025 03-2025: 1.1%▲ +0.1 percentage points vs 02-2025 04-2025: 1.1%● unchanged vs 03-2025 05-2025: 1.1%● unchanged vs 04-2025 06-2025: 1.1%● unchanged vs 05-2025 07-2025: 1.2%▲ +0.1 percentage points vs 06-2025 08-2025: 3.6%▲ +2.4 percentage points vs 07-2025 09-2025: 3.8%▲ +0.2 percentage points vs 08-2025highest value 10-2025: 0.9%▼ -2.9 percentage points vs 09-2025 11-2025: 0.9%● unchanged vs 10-2025 12-2025: 0.9%● unchanged vs 11-2025 01-2026: 0.8%▼ -0.1 percentage points vs 12-2025 02-2026: 0.8%● unchanged vs 01-2026 03-2026: 0.8%● unchanged vs 02-2026lowest value 04-2026: 0.9%▲ +0.1 percentage points vs 03-2026 05-2026: 1.1%▲ +0.2 percentage points vs 04-2026 06-2026: 1.1%● unchanged vs 05-2026 07-2026: 1.2%▲ +0.1 percentage points vs 06-2026 08-2026: 2.0%▲ +0.8 percentage points vs 07-2026 09-2026: 3.3%▲ +1.3 percentage points vs 08-2026 10-2026: 3.3%● unchanged vs 09-2026
Credit of up to €3,000 on 30-day terms is acceptable
Liquidity tight (current ratio 1.25, compared with 1.5 in 2024; short-term debt: 32.1% and cash: 1.8% of total assets), and 32.3% of the assets are financed with debt.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 43, micro): better than 74% on solvency, 27% on liquidity, 93% on profitability and 88% on growth.

The bankruptcy probability was computed on 08-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
−lowers risk+raises risk○neutral
raises risk · Founded in 2023
How long the company has existed counts in the probability; how much depends on the rest of its profile.
KBO
lowers risk · Figures for financial year 2025 (filed 08-08-2026)
NBB · annual accounts
raises risk · 1 change of registered office in 24 months
Belgian Official Gazette
raises risk · Liquidity: current ratio 1.25, cash €1,560, halved
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-08-2026, 8 days later. For context: 47% of Belgian companies file late, and of those that file 1 to 90 days late, 2.0% are now in a legal situation other than normal in the KBO (such as bankruptcy, liquidation or dissolution), against 1.66% of all filers. We show this as a fact and do not score it.
NBB · 3 filings
Deviation from the deadline
2025
8 days late
2024
28 days late
2023
22 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 19 days after the deadline; the sector median (NACE 43) for financial year 2024 is 1 day before the deadline, and 43% 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 23 August (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
09-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since incorporation in 2023.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Highest result from 2023 to 2025net €26,770 ▲60.2%
  3. Annual accounts filedfinancial year 2024 · micro…

Financials · financial year 2025, micro format

Equity
€60,318▲ 75.4%
2024 · €34,397
Total assets
€89,035▲ 18.3%
2024 · €75,291
Net result
€26,770▲ 60.2%
2024 · €16,711
Working capital
€7,062▼ 65.6%
2024 · €20,546
Trend over the years

2023 to 2025, 3 financial years

The operating result recovers in 2025; 2025 is 74% above 2024 and is the highest result in the available series.

What the company sold each financial year and what was left of it. A loss stands below the zero line.

Operating result€36,758 2025 Net result€26,770 2025

Use the arrow keys on the chart for the figures per year.

Sector: the middle half of NACE 43, Specialised construction activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).

Every figure with its change against the financial year before
favourable unfavourable
Line202320242025
Operating result€22,472-€21,138▼ 5.9%€36,758▲ 73.9%
Net result€16,836within the sector's middle half-€16,711within the sector's middle half▼ 0.7%€26,770within the sector's middle half▲ 60.2%
Equity€18,536below the sector's middle half-€34,397within the sector's middle half▲ 85.6%€60,318within the sector's middle half▲ 75.4%
Total assets€45,533below the sector's middle half-€75,291within the sector's middle half▲ 65.4%€89,035within the sector's middle half▲ 18.3%
Debt€26,997-€40,894▲ 51.5%€28,718▼ 29.8%
Working capital€1,368below the sector's middle half-€20,546within the sector's middle half▲ 1,402%€7,062within the sector's middle half▼ 65.6%
Solvency40.7%within the sector's middle half-45.7%within the sector's middle half▲ 5.0pp67.7%within the sector's middle half▲ 22.1pp
Current ratio1.05below the sector's middle half-1.50within the sector's middle half▲ 0.451.25within the sector's middle half▼ 0.25
Return on assets (ROA)37.0%above the sector's middle half-22.2%above the sector's middle half▼ 14.8pp30.1%above the sector's middle half▲ 7.9pp
above within below the middle half of NACE 43, Specialised construction activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the micro format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €89,035
Fixed assets €53,436 ▲ 286%
Current assets €35,599 ▼ 42.1%
Equity and liabilities €89,035
Equity €60,318 ▲ 75.4%
Debt €28,718 ▼ 29.8%
Debt's share of the balance-sheet total falls from 54.3% to 32.3%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€43,181▲
2024 · €24,827
Cash flow
€33,193▲
2024 · €20,401
Debt to equity
0.48▼
2024 · 1.19
ROE
44.4%▼
2024 · 48.6%
Interest coverage
over 100
2024 · over 100
Debt ≤ 1 year
€28,536▼
2024 · €40,894
Income taxes
€9,922▲
2024 · €4,367
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 39,278 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 96% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.8% went bankrupt
2.3% stopped otherwise
96% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 3.3% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,472 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.0%
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%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 39,278 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 41 lines
Balance sheet Code20242025
Assets
Total assets20/58€75,291€89,035▲
Fixed assets21/28€13,851€53,436▲
Tangible fixed assets22/27€13,851€53,436▲
Plant, machinery and equipment23€608€988▲
Furniture and vehicles24€13,243€52,448▲
Current assets29/58€61,440€35,599▼
Amounts receivable within one year40/41€11,034€34,039▲
Trade receivables40€10,783€29,440▲
Other amounts receivable41€251€4,599▲
Cash at bank and in hand54/58€50,406€1,560▼
Equity and liabilities
Total equity and liabilities10/49€75,291€89,035▲
Equity10/15€34,397€60,318▲
Contributions10/11€2,500€2,500=
Reserves13€31,897€57,818▲
Distributable reserves133€31,897€57,818▲
Amounts payable17/49€40,894€28,718▼
Amounts payable within one year42/48€40,894€28,536▼
Trade debts44€540€373▼
Suppliers440/4€540€373▼
Taxes, remuneration and social security45€26,867€15,289▼
Taxes450/3€1,867€9,289▲
Remuneration and social security454/9€25,000€6,000▼
Other amounts payable47/48€13,488€12,875▼
Accrued charges and deferred income492/3-€181
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3,690€6,422▲
Other operating charges640/8€762€997▲
Gross operating margin9900€25,589€44,178▲
Operating profit (loss)9901€21,138€36,758▲
Financial income75/76B€0€0=
Recurring financial income75€0€0=
Financial charges65/66B€60€66▲
Recurring financial charges65€60€66▲
Profit (loss) for the period before taxes9903€21,078€36,692▲
Income taxes67/77€4,367€9,922▲
Profit (loss) for the period9904€16,711€26,770▲
Profit (loss) for the period to be appropriated9905€16,711€26,770▲
Appropriation of the result
Profit (loss) to be appropriated9906€16,711€26,770▲
Transfer to equity691/2€15,861€25,920▲
To other reserves6921€15,861€25,920▲
Profit to be distributed694/7€850€850=
Return on contributions (dividend)694€850€850=

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,016€3,690€6,422▲ 74.1%
Other operating charges640/8€655€762€997▲ 30.9%
Gross operating margin9900€24,143€25,589€44,178▲ 72.6%
Operating profit (loss)9901€22,472€21,138€36,758▲ 73.9%
Financial income75/76B-€0€0=
Recurring financial income75-€0€0=
Financial charges65/66B€20€60€66▲ 9.7%
Recurring financial charges65€20€60€66▲ 9.7%
Profit (loss) for the period before taxes9903€22,452€21,078€36,692▲ 74.1%
Income taxes67/77€5,616€4,367€9,922▲ 127%
Profit (loss) for the period9904€16,836€16,711€26,770▲ 60.2%
Profit (loss) for the period to be appropriated9905€16,836€16,711€26,770▲ 60.2%
Line202320242025Change
Assets
Total assets20/58€45,533€75,291€89,035▲ 18.3%
Fixed assets21/28€17,168€13,851€53,436▲ 286%
Tangible fixed assets22/27€17,168€13,851€53,436▲ 286%
Plant, machinery and equipment23€366€608€988▲ 62.5%
Furniture and vehicles24€16,802€13,243€52,448▲ 296%
Current assets29/58€28,365€61,440€35,599▼ 42.1%
Amounts receivable within one year40/41€10,877€11,034€34,039▲ 209%
Trade receivables40€10,474€10,783€29,440▲ 173%
Other amounts receivable41€403€251€4,599▲ 1,734%
Cash at bank and in hand54/58€16,988€50,406€1,560▼ 96.9%
Deferred charges and accrued income490/1€500---
Equity and liabilities
Total equity and liabilities10/49€45,533€75,291€89,035▲ 18.3%
Equity10/15€18,536€34,397€60,318▲ 75.4%
Contributions10/11€2,500€2,500€2,500=
Reserves13€16,036€31,897€57,818▲ 81.3%
Distributable reserves133€16,036€31,897€57,818▲ 81.3%
Amounts payable17/49€26,997€40,894€28,718▼ 29.8%
Amounts payable within one year42/48€26,997€40,894€28,536▼ 30.2%
Trade debts44€658€540€373▼ 30.9%
Suppliers440/4€658€540€373▼ 30.9%
Taxes, remuneration and social security45€14,616€26,867€15,289▼ 43.1%
Taxes450/3-€1,867€9,289▲ 398%
Remuneration and social security454/9€14,616€25,000€6,000▼ 76.0%
Other amounts payable47/48€11,722€13,488€12,875▼ 4.5%
Accrued charges and deferred income492/3--€181-
Line202320242025Change
Profit (loss) for the period9904€16,836€16,711€26,770▲ 60.2%
+ Depreciation and write-downs630€1,016€3,690€6,422▲ 74.1%
Operating cash flow (approximation)€17,852€20,401€33,193▲ 62.7%
Investment in fixed assets (approximation)--€373-€46,007▼ 12,229%
Change in cash-€33,418-€48,847▼ 246%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Directors

Directors
No directors read yet: 0 of 2 Gazette acts processed. See the directors and other office holders in the KBO →

Owners and capital

Owners

No owners or capital events in the accounts and acts we read.

History

On 27 July 2023, Coomans Construct was incorporated as a private limited company.1 Total assets went from €45,533 in 2023 to €89,035 in 2025.2

  1. 1KBO (Crossroads Bank for Enterprises)
  2. 2National Bank, annual accounts 2023 and 2025

Acts, filings and financial milestones

Next filing, financial year 2026, expected by 31-07-2027
2026
08-08
NBB filing Annual accounts filed
financial year 2025 · micro format · 8 days late
2025
31-12
Financial Highest result from 2023 to 2025net €26,770 ▲60.2%
Operating result €36,758, net result €26,770, both a record.
28-08
NBB filing Annual accounts filed
financial year 2024 · micro format · 28 days late
2024
22-08
NBB filing Annual accounts filed
financial year 2023 · micro format · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
0 of 2 deeds read
About the unread acts

We know of 2 Belgian Official Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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Register details

Identification
Legal formPrivate limited company
Founded27-07-2023
Financial year end31-12
Activities, NACEBEL 2025
43990Other specialised construction activities
43230Insulation installation
43331Floor and wall tiling
43910Bricklaying and masonry work
E-invoicing
Reachable via Peppol
Peppol ID 0208:0804348348
Also 9925:BE0804348348
Registered 05-12-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 9 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.

Sites & property

Location & real-estate footprint
Registered office, Geel · 1 establishment unit since 2023
registered office establishment The establishment unit on the map
Ground area
3,527 m²
Building footprint
280 m²
Building volume
1,211 m³
Parcel 13373K0897/00N005, Flanders · tallest building 7.7 m. Linked by address, not a title deed.
1 establishment unit
Coomans Construct
Diepezoel 4, 2440 GeelGeneral construction of residential buildings
since 2023unit no. 2.347.871.142
1 parcel
Flanders 1 (100%)
Cadastral parcel Region Area Buildings Height / floors
13373K0897/00N005 Flanders 3,527 m² 1 · 280 m² 7.7 m · 1
How the parcels are linked
Good to know
The parcel matches the address exactly.