CÔTE-ASSUR
ActiveCÔTE-ASSUR has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €370k and a net result of €72k. Equity is growing by ~15.3% per year across the filed fiscal years. Its solvency ranks better than 50% of 252 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
86
/ 100
Excellent▲ +15 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability98▲+89
Solvency58▲+10
Growth52=
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity tight (current ratio 1.36 against 1.25 in 2024), and 68.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 79
Relative position
BE, all sectors
reference
Sector 79
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
31.9%
Return on assets
6.2%
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 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
on the day
2023
14 d late
2022
43 d late
2021
3 d early
2020
31 d late
2019
28 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€370k▲ 24.3%
2024 · €298k
2018: €139k
2019: €151k
2020: €190k
2021: €201k
2022: €264k
2023: €293k
2024: €298k
2018 → 2025
Total assets
€1.16M▲ 6.5%
2024 · €1.09M
2018: €565k
2019: €618k
2020: €560k
2021: €887k
2022: €1.11M
2023: €1.13M
2024: €1.09M
2018 → 2025
Net result
€72k▲ 1,241%
2024 · €5k
2018: €92k
2019: €112k
2020: €39k
2021: €11k
2022: €97k
2023: €129k
2024: €5k
2018 → 2025
Working capital
€284k▲ 43.3%
2024 · €198k
2018: €87k
2019: €104k
2020: €167k
2021: €178k
2022: €160k
2023: €185k
2024: €198k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€201k-€264k▲ 30.9%€293k▲ 11.1%€298k▲ 1.8%€370k▲ 24.3%
Operating result€17k-€110k▲ 546%€163k▲ 48.3%€26k▼ 83.7%€123k▲ 365%
Net result€11k-€97k▲ 776%€129k▲ 32.8%€5k▼ 95.8%€72k▲ 1,241%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 365% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.16M
Fixed assets
€87k▼ 19.0%
Current assets
€1.07M▲ 9.3%
Equity and liabilities €1.16M
Equity
€370k▲ 24.3%
Debt
€789k▼ 0.2%
The debt ratio falls from 72.6% to 68.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€144k▲
2024 · €49k
Cash flow
€93k▲
2024 · €28k
Solvency
31.9%▲
2024 · 27.4%
Current ratio
1.36▲
2024 · 1.25
Quick ratio
1.36▲
2024 · 1.25
Debt / equity
2.13▼
2024 · 2.65
ROE
19.5%▲
2024 · 1.8%
ROA
6.2%▲
2024 · 0.5%
Interest coverage
11.84▲
2024 · 3.75
Debt
€789k▼
2024 · €790k
Debt ≤ 1 year
€789k▲
2024 · €783k
Income taxes
€41k▲
2024 · €9k
Staff costs
€194k▼
2024 · €195k
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€1.09M€1.16M▲
Fixed assets21/28€107k€87k▼
Tangible fixed assets22/27€107k€87k▼
Plant, machinery and equipment23€10k€7k▼
Furniture and vehicles24€10k€6k▼
Other tangible fixed assets26€87k€73k▼
Current assets29/58€981k€1.07M▲
Amounts receivable within one year40/41€643k€697k▲
Trade receivables40€619k€635k▲
Other amounts receivable41€24k€62k▲
Cash at bank and in hand54/58€329k€365k▲
Deferred charges and accrued income490/1€10k€10k▲
Equity and liabilities
Total equity and liabilities10/49€1.09M€1.16M▲
Equity10/15€298k€370k▲
Contributions10/11€25k€25k=
Reserves13€273k€345k▲
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Tax-exempt reserves132€19k€19k=
Distributable reserves133€252k€324k▲
Amounts payable17/49€790k€789k▼
Amounts payable after more than one year17€6k-
Financial debts170/4€6k-
Amounts payable within one year42/48€783k€789k▲
Current portion of amounts payable after more than one year42€25k€16k▼
Trade debts44€78k€114k▲
Suppliers440/4€78k€114k▲
Advances received on contracts in progress46€608k€611k▲
Taxes, remuneration and social security45€43k€36k▼
Taxes450/3€8k€13k▲
Remuneration and social security454/9€35k€22k▼
Other amounts payable47/48€28k€12k▼
Accrued charges and deferred income492/3€283-
Income statement
Code20242025
Remuneration, social security and pensions62€195k€194k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€20k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€246k€339k▲
Operating profit (loss)9901€26k€123k▲
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€13k€12k▼
Recurring financial charges65€13k€12k▼
Profit (loss) for the period before taxes9903€15k€114k▲
Income taxes67/77€9k€41k▲
Profit (loss) for the period9904€5k€72k▲
Profit (loss) for the period to be appropriated9905€5k€72k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5k€72k▲
Transfer to equity691/2€5k€72k▲
To other reserves6921€5k€72k▲
Social balance
Average headcount (FTE)9087-2.8
The notes to these accounts (7 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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €5k ▼95.8%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 14 days late
2023
31-12
Financial
Highest result since 2018net €129k ▲32.8%
Operating result €163k, net result €129k, both a record.
12-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 43 days late
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €200kEq €201k ▲5.8%
4 profitable years in a row build equity to €201k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 28 days late
2019
31-12
Financial
Equity above €150kEq €151k ▲8.7%
2 profitable years in a row build equity to €151k.
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 26 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Nieuwpoort · 1 establishment unit since 2006
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.
Kaai 508620 NieuwpoortGround area
1,268 m²
Building footprint
421 m²
Volume, LiDAR
4,732 m³
Parcel 38016A0031/00C046, Flanders · tallest building 16.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Esperanto Travel
since 20062.153.649.428
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38016A0031/00C046 | Flanders | 1,268 m² | 1 · 420 m² | 16.4 m · 4 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 69 EUR awarded · 69 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 69 EUR | 69 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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'T REISBUREAU
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WOOLOOMOOLOO
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Of 1,429 companies in sector 79110 we hold annual accounts for 874. 682 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-03-2006
Fiscal year end31-12
Activities, NACEBEL
79110Travel agency activities
68201Renting and operating of own or leased residential real estate, excluding social housing
81100Combined facilities support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.