COTE-URE
ActiveCOTE-URE has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €189k and a net result of €47k. Equity is growing by ~24.6% per year across the filed fiscal years. Its solvency ranks better than 48% of 11282 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▲+26
Solvency65▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 1.59 against 1.49 in 2024; short-term debt: 58.1% and cash: 1.3% of total assets), but 60% 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 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
40%
Return on assets
10%
Age of the figures
15 mo
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
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 03-02-2026, 3 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
3 d late
2024
4 d late
2023
15 d late
2022
1 d early
2021
on the day
2020
24 d late
2019
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€189k▲ 17.0%
2024 · €162k
2019: €30k
2020: €44k
2021: €71k
2022: €114k
2023: €144k
2024: €162k
2019 → 2025
Total assets
€473k▲ 2.9%
2024 · €459k
2019: €147k
2020: €157k
2021: €163k
2022: €209k
2023: €428k
2024: €459k
2019 → 2025
Net result
€47k▲ 179%
2024 · €17k
2019: €4k
2020: €14k
2021: €40k
2022: €56k
2023: €31k
2024: €17k
2019 → 2025
Working capital
€163k▲ 21.8%
2024 · €134k
2019: €23k
2020: €43k
2021: €67k
2022: €103k
2023: €118k
2024: €134k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€71k-€114k▲ 60.2%€144k▲ 27.1%€162k▲ 11.8%€189k▲ 17.0%
Operating result€55k-€73k▲ 31.5%€50k▼ 31.5%€46k▼ 6.6%€75k▲ 61.5%
Net result€40k-€56k▲ 42.5%€31k▼ 45.3%€17k▼ 44.7%€47k▲ 179%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 61% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €473k
Fixed assets
€35k▼ 29.5%
Current assets
€438k▲ 6.8%
Equity and liabilities €473k
Equity
€189k▲ 17.0%
Debt
€284k▼ 4.7%
The debt ratio falls from 64.8% to 60.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€89k▲
2024 · €61k
Cash flow
€62k▲
2024 · €32k
Solvency
40.0%▲
2024 · 35.2%
Current ratio
1.59▲
2024 · 1.49
Quick ratio
0.17▲
2024 · 0.15
Debt / equity
1.50▼
2024 · 1.84
ROE
25.1%▲
2024 · 10.5%
ROA
10.0%▲
2024 · 3.7%
Interest coverage
5.07▲
2024 · 2.98
Debt
€284k▼
2024 · €298k
Debt ≤ 1 year
€275k▼
2024 · €276k
Debt > 1 year
€8k▼
2024 · €22k
Income taxes
€9k▲
2024 · €8k
Staff costs
€37k▲
2024 · €37k
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€459k€473k▲
Fixed assets21/28€49k€35k▼
Tangible fixed assets22/27€49k€35k▼
Furniture and vehicles24€35k€25k▼
Leasing and similar rights25€2k€1k▼
Other tangible fixed assets26€12k€9k▼
Current assets29/58€410k€438k▲
Amounts receivable after more than one year29€34k€34k=
Trade receivables290€34k€34k=
Stocks and contracts in progress3€369k€390k▲
Stocks30/36€369k€390k▲
Amounts receivable within one year40/41€4k€7k▲
Trade receivables40€925€650▼
Other amounts receivable41€3k€6k▲
Cash at bank and in hand54/58-€6k
Deferred charges and accrued income490/1€4k€924▼
Equity and liabilities
Total equity and liabilities10/49€459k€473k▲
Equity10/15€162k€189k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€141k€169k▲
Amounts payable17/49€298k€284k▼
Amounts payable after more than one year17€22k€8k▼
Financial debts170/4€22k€8k▼
Amounts payable within one year42/48€276k€275k▼
Current portion of amounts payable after more than one year42€21k€20k▼
Financial debts43€168k€150k▼
Credit institutions430/8€168k€150k▼
Trade debts44€56k€54k▼
Suppliers440/4€56k€54k▼
Taxes, remuneration and social security45€28k€31k▲
Taxes450/3€23k€25k▲
Remuneration and social security454/9€5k€5k▲
Other amounts payable47/48€3k€20k▲
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Remuneration, social security and pensions62€37k€37k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€15k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€3k€-1k▼
Other operating charges640/8€5k€4k▼
Non-recurring operating charges66A-€182
Gross operating margin9900€105k€129k▲
Operating profit (loss)9901€46k€75k▲
Financial income75/76B€980€821▼
Recurring financial income75€980€821▼
Financial charges65/66B€22k€19k▼
Recurring financial charges65€21k€18k▼
Non-recurring financial charges66B€2k€2k▲
Profit (loss) for the period before taxes9903€25k€56k▲
Income taxes67/77€8k€9k▲
Profit (loss) for the period9904€17k€47k▲
Profit (loss) for the period to be appropriated9905€17k€47k▲
Appropriation of the result
Profit (loss) to be appropriated9906€141k€189k▲
Profit (loss) brought forward from the previous period14P€124k€141k▲
Profit to be distributed694/7-€20k
Directors or managers695-€20k
The notes to these accounts (12 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
03-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
04-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
30-06
Financial
Equity above €150kEq €162k ▲11.8%
6 profitable years in a row build equity to €162k.
15-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 15 days late
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Highest result since 2019net €56k ▲42.5%
Net result €56k, the highest in the series.
30-06
Financial
Equity above €100kEq €114k ▲60.2%
4 profitable years in a row build equity to €114k.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
24-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
30-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-01
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
2 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 2013
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.
Lombardsijdestraat 128620 NieuwpoortGround area
416 m²
Building footprint
511 m²
Volume, LiDAR
8,409 m³
Parcel 38402D0227/00C000, Flanders · tallest building 21.3 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
COTE-URE
since 20132.221.003.357
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38402D0227/00C000 | Flanders | 416 m² | 1 · 511 m² | 21.3 m · 6 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
COWADIS
BE 0423.790.426
Aalter · Eq €187k
HOTSPORTSHOP
BE 0712.916.049
Zottegem · Eq €187k
I.F.P. INTERNATIONAL FASHION PARTNERS
BE 0446.034.803
Brussel · Eq €192k
LOENA
BE 0881.477.996
Kruisem · Eq €183k
COACHING & ADVISING
BE 0553.757.063
Zaventem · Eq €195k
Of 1,311 companies in sector 46423 we hold annual accounts for 812. 573 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-07-2013
Fiscal year end30-06
Activities, NACEBEL
46423Wholesale of clothing, excluding workwear and underwear
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.