Summary
COOREMANS 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 €232,609 and a net result of -€51,058. Equity remains stable across the filed fiscal years (±0.6% per year). Its solvency ranks better than 36% of 2463 sector peers (fiscal year 2025). The company has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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
27 d late
2024
29 d late
2023
27 d late
2022
33 d early
2021
4 d late
2020
31 d late
2019
21 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 15 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
In the rankings
#3 oldest company in Zoersel, Finance and insurance sector
Equity
€232,609▼ 18.0%
2024 · €283,667
Net result
-€51,058
2024 · €7,870
Total assets
€701,317▼ 16.7%
2024 · €842,134
Solvency
33.2%▼ 0.5pp
2024 · 33.7%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€33,866▼ 51.3%€66,321▲ 95.8%€38,990▼ 41.2%€17,943▼ 54.0%-€44,559
Net result€7,594within the sector's middle half▼ 76.5%€33,178within the sector's middle half▲ 337%€17,569within the sector's middle half▼ 47.0%€7,870within the sector's middle half▼ 55.2%-€51,058below the sector's middle half
Equity€295,050above the sector's middle half▼ 3.6%€328,228above the sector's middle half▲ 11.2%€300,797within the sector's middle half▼ 8.4%€283,667within the sector's middle half▼ 5.7%€232,609within the sector's middle half▼ 18.0%
Total assets€1.2mabove the sector's middle half▼ 10.1%€1.1mabove the sector's middle half▼ 7.4%€1.0mabove the sector's middle half▼ 11.7%€842,134above the sector's middle half▼ 16.4%€701,317within the sector's middle half▼ 16.7%
Debt€892,752▼ 12.5%€768,688▼ 13.9%€664,035▼ 13.6%€541,858▼ 18.4%€453,021▼ 16.4%
Working capital€106,078within the sector's middle half▼ 15.1%€130,085within the sector's middle half▲ 22.6%€83,740within the sector's middle half▼ 35.6%€49,762within the sector's middle half▼ 40.6%€21,981within the sector's middle half▼ 55.8%
Solvency23.9%within the sector's middle half▲ 1.6pp28.8%within the sector's middle half▲ 4.8pp29.8%within the sector's middle half▲ 1.1pp33.7%within the sector's middle half▲ 3.8pp33.2%within the sector's middle half▼ 0.5pp
Current ratio1.65within the sector's middle half▼ 0.051.85within the sector's middle half▲ 0.201.51within the sector's middle half▼ 0.341.37within the sector's middle half▼ 0.141.19within the sector's middle half▼ 0.17
Return on assets (ROA)0.6%below the sector's middle half▼ 1.7pp2.9%within the sector's middle half▲ 2.3pp1.7%within the sector's middle half▼ 1.2pp0.9%below the sector's middle half▼ 0.8pp-7.3%below the sector's middle half▼ 8.2pp
Staff (FTE)2.8▲ 3.7%2▼ 28.6%1.1▼ 45.0%1▼ 9.1%1=
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €44,559 after €17,943 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €701,317
Fixed assets
€566,173 ▼ 13.8%
Current assets
€135,144 ▼ 27.2%
Equity and liabilities €701,317
Equity
€232,609 ▼ 18.0%
Provisions
€15,687 ▼ 5.6%
Debt
€453,021 ▼ 16.4%
Debt's share of the balance-sheet total rises from 64.3% to 64.6%. Equity and debt are lower.
Key figures and ratios
ROE
-22.0%▼
2024 · 2.8%
Debt ≤ 1 year
€113,163▼
2024 · €135,924
Debt > 1 year
€339,858▼
2024 · €405,933
Income taxes
€505▼
2024 · €3,570
Staff costs
€98,804▲
2024 · €95,045
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €24,654 | €0 | ▼ 100% |
| Remuneration, social security and pensions62 | €133,248 | €133,550 | €96,900 | €95,045 | €98,804 | ▲ 4.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €105,595 | €105,563 | €105,352 | €107,363 | €91,523 | ▼ 14.8% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | - | -€25,500 | €0 | ▲ 100% |
| Other operating charges640/8 | €16,178 | €3,834 | €3,134 | €4,048 | €4,901 | ▲ 21.1% |
| Non-recurring operating charges66A | - | - | - | €569 | €0 | ▼ 100% |
| Gross operating margin9900 | €288,888 | €309,268 | €244,375 | €199,468 | €150,669 | ▼ 24.5% |
| Operating profit (loss)9901 | €33,866 | €66,321 | €38,990 | €17,943 | -€44,559 | ▼ 348% |
| Financial income75/76B | €2,716 | €2,569 | €3,574 | €4,278 | €3,591 | ▼ 16.1% |
| Recurring financial income75 | €2,716 | €2,569 | €3,574 | €4,278 | €3,591 | ▼ 16.1% |
| Financial charges65/66B | €22,651 | €17,438 | €14,195 | €11,703 | €10,507 | ▼ 10.2% |
| Recurring financial charges65 | €22,651 | €17,438 | €14,195 | €11,703 | €10,507 | ▼ 10.2% |
| Profit (loss) for the period before taxes9903 | €13,932 | €51,451 | €28,369 | €10,518 | -€51,475 | ▼ 589% |
| Transfer from deferred taxes780 | €923 | €923 | €923 | €923 | €923 | = |
| Income taxes67/77 | €7,261 | €19,196 | €11,723 | €3,570 | €505 | ▼ 85.8% |
| Profit (loss) for the period9904 | €7,594 | €33,178 | €17,569 | €7,870 | -€51,058 | ▼ 749% |
| Transfer from tax-exempt reserves789 | €2,768 | €2,768 | €2,768 | €2,768 | €2,768 | = |
| Profit (loss) for the period to be appropriated9905 | €10,362 | €35,946 | €20,337 | €10,639 | -€48,289 | ▼ 554% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.2m | €1.1m | €1.0m | €842,134 | €701,317 | ▼ 16.7% |
| Fixed assets21/28 | €962,681 | €857,119 | €758,695 | €656,447 | €566,173 | ▼ 13.8% |
| Intangible fixed assets21 | €350,825 | €278,845 | €206,864 | €134,884 | €77,303 | ▼ 42.7% |
| Tangible fixed assets22/27 | €610,371 | €576,789 | €550,346 | €520,079 | €487,384 | ▼ 6.3% |
| Land and buildings22 | €603,772 | €572,114 | €540,456 | €508,797 | €477,139 | ▼ 6.2% |
| Plant, machinery and equipment23 | - | - | - | €1,837 | €1,408 | ▼ 23.4% |
| Furniture and vehicles24 | €6,599 | €4,675 | €6,240 | €5,794 | €5,187 | ▼ 10.5% |
| Other tangible fixed assets26 | - | - | €3,650 | €3,650 | €3,650 | = |
| Financial fixed assets28 | €1,485 | €1,485 | €1,485 | €1,485 | €1,485 | = |
| Current assets29/58 | €269,999 | €283,752 | €249,169 | €185,686 | €135,144 | ▼ 27.2% |
| Amounts receivable after more than one year29 | €125,731 | €118,461 | €111,045 | €103,481 | €95,765 | ▼ 7.5% |
| Other amounts receivable291 | €125,731 | €118,461 | €111,045 | €103,481 | €95,765 | ▼ 7.5% |
| Amounts receivable within one year40/41 | €61,901 | €46,037 | €15,391 | €15,905 | €25,867 | ▲ 62.6% |
| Trade receivables40 | €40,847 | €32,480 | €7,988 | €8,341 | €9,464 | ▲ 13.5% |
| Other amounts receivable41 | €21,054 | €13,557 | €7,403 | €7,564 | €16,403 | ▲ 117% |
| Cash at bank and in hand54/58 | €80,972 | €118,778 | €101,430 | €62,084 | €1,117 | ▼ 98.2% |
| Deferred charges and accrued income490/1 | €1,394 | €477 | €21,303 | €4,217 | €12,395 | ▲ 194% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.2m | €1.1m | €1.0m | €842,134 | €701,317 | ▼ 16.7% |
| Equity10/15 | €295,050 | €328,228 | €300,797 | €283,667 | €232,609 | ▼ 18.0% |
| Contributions10/11 | €59,100 | €59,100 | €59,100 | €59,100 | €59,100 | = |
| Reserves13 | €235,950 | €269,128 | €241,697 | €224,567 | €173,509 | ▼ 22.7% |
| Non-distributable reserves130/1 | €5,910 | €5,910 | €0 | - | - | - |
| Reserves not available under the articles1311 | €5,910 | €5,910 | €0 | - | - | - |
| Tax-exempt reserves132 | €67,279 | €64,511 | €61,743 | €58,974 | €56,206 | ▼ 4.7% |
| Distributable reserves133 | €162,761 | €198,707 | €179,954 | €165,593 | €117,303 | ▼ 29.2% |
| Profit (loss) carried forward14 | €0 | €0 | €0 | €0 | €0 | - |
| Provisions and deferred taxes16 | €44,878 | €43,955 | €43,032 | €16,609 | €15,687 | ▼ 5.6% |
| Provisions for liabilities and charges160/5 | €25,500 | €25,500 | €25,500 | €0 | - | - |
| Other liabilities and charges164/5 | €25,500 | €25,500 | €25,500 | €0 | - | - |
| Deferred taxes168 | €19,378 | €18,455 | €17,532 | €16,609 | €15,687 | ▼ 5.6% |
| Amounts payable17/49 | €892,752 | €768,688 | €664,035 | €541,858 | €453,021 | ▼ 16.4% |
| Amounts payable after more than one year17 | €728,832 | €615,021 | €498,606 | €405,933 | €339,858 | ▼ 16.3% |
| Financial debts170/4 | €728,832 | €615,021 | €498,606 | €405,933 | €339,858 | ▼ 16.3% |
| Amounts payable within one year42/48 | €163,920 | €153,668 | €165,429 | €135,924 | €113,163 | ▼ 16.7% |
| Current portion of amounts payable after more than one year42 | €111,601 | €113,811 | €118,387 | €92,688 | €66,075 | ▼ 28.7% |
| Financial debts43 | €7,142 | €2,462 | €0 | €856 | €0 | ▼ 100% |
| Credit institutions430/8 | €7,142 | €2,437 | €0 | - | - | - |
| Other loans439 | - | €25 | €0 | €856 | €0 | ▼ 100% |
| Trade debts44 | €3,920 | €2,551 | €1,200 | €7,882 | €23,536 | ▲ 199% |
| Suppliers440/4 | €3,920 | €2,551 | €1,200 | €7,882 | €23,536 | ▲ 199% |
| Taxes, remuneration and social security45 | €40,109 | €31,825 | €38,636 | €29,585 | €22,798 | ▼ 22.9% |
| Taxes450/3 | €15,511 | €15,920 | €25,032 | €17,998 | €7,285 | ▼ 59.5% |
| Remuneration and social security454/9 | €24,598 | €15,905 | €13,605 | €11,587 | €15,513 | ▲ 33.9% |
| Other amounts payable47/48 | €1,148 | €3,017 | €7,207 | €4,913 | €754 | ▼ 84.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €7,594 | €33,178 | €17,569 | €7,870 | -€51,058 | ▼ 749% |
| + Depreciation and write-downs630 | €105,595 | €105,563 | €105,352 | €107,363 | €91,523 | ▼ 14.8% |
| Operating cash flow (approximation) | €113,189 | €138,741 | €122,920 | €115,233 | €40,465 | ▼ 64.9% |
| Investment in fixed assets (approximation) | - | €0 | -€6,928 | -€5,115 | -€1,248 | ▲ 75.6% |
| Change in cash | - | €37,806 | -€17,348 | -€39,346 | -€60,967 | ▼ 54.9% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
05-08
State Gazette act
Registered officeRegistered-office move2 facts ▸
State Gazette act
Registered office
Registered-office move2 facts ▸
- Board meeting, 09-07-2026
- Registered-office move, Orchideeënlaan 5, 2980 Zoersel
2025
31-12
Financial
Weakest financial yearnet -€51,058
Net result drops to -€51,058, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
04-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 4 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
21-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 21 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
19-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 50 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 9 acts read
About the unread acts
Of the 9 Belgian State Gazette acts we know for this company, 1 has been read. The other 8 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
9 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Zoersel · 1 establishment unit since 1993
Ground area
1,589 m²
Building footprint
192 m²
Volume, LiDAR
766 m³
Parcel 11017A0280/00C000, Flanders · tallest building 12.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
COOREMANS BVBA
since 19932.052.297.690
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11017A0280/00C000 | Flanders | 1,589 m² | 1 · 192 m² | 12.2 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
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 4,673 companies in sector 66220 we hold annual accounts for 3,222. 2,793 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded27-03-1991
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
66220Insurance agents and brokers
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0443616929
Also
9925:BE0443616929
Registered
18-11-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.