Côtémaison
ActiveSummary
Côtémaison has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €30k and a net result of €-2k. Equity is growing by ~26.7% per year across the filed fiscal years. Its solvency ranks better than 74% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability24▲+1
Solvency94▼-2
Growth51▲+4
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 3.22 against 3.44 in 2024; short-term debt: 31% and cash: 45.9% of total assets), and 31% 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
69%
Return on assets
-5.3%
Age of the figures
9 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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-2k
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
23 d early
2023
426 d late
2022
25 d late
2021
26 d late
2020
1 d early
2019
67 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
€247k▲ 17.7%
2024 · €210k
2021: €206k
2022: €190k
2023: €234k
2024: €210k
2021 → 2025
EBIT margin
0.1%▼ 0.1pp
2024 · 0.2%
2021: 8.5%
2022: 1.6%
2023: 7.7%
2024: 0.2%
2021 → 2025
Net result
€-2k▲ 16.4%
2024 · €-3k
2018: €24k
2019: €65
2020: €10k
2021: €12k
2022: €3k
2023: €13k
2024: €-3k
2018 → 2025
Working capital
€30k▼ 7.2%
2024 · €32k
2018: €-7k
2019: €-5k
2020: €13k
2021: €27k
2022: €34k
2023: €35k
2024: €32k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€206k-€190k▼ 7.7%€234k▲ 22.9%€210k▼ 10.1%€247k▲ 17.7%
Equity€28k-€31k▲ 10.2%€35k▲ 14.4%€32k▼ 7.9%€30k▼ 7.2%
Operating result€18k-€3k▼ 82.8%€18k▲ 499%€373▼ 97.9%€180▼ 51.9%
Net result€12k-€3k▼ 76.3%€13k▲ 341%€-3k€-2k▲ 16.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 52% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €44k
Fixed assets
€50 =
Current assets
€43k ▼ 4.6%
Equity and liabilities €44k
Equity
€30k ▼ 7.2%
Debt
€13k ▲ 1.8%
Debt's share of the balance-sheet total rises from 29.1% to 31.0%. Equity is lower and debt is higher.
Key figures and ratios
Current ratio
3.22▼
2024 · 3.44
Debt to equity
0.45▲
2024 · 0.41
ROE
-7.7%▲
2024 · -8.6%
ROA
-5.3%▲
2024 · -6.1%
Debt ≤ 1 year
€13k▲
2024 · €13k
Income taxes
€3k▼
2024 · €3k
Staff costs
€80k▲
2024 · €48k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€46k€44k▼
Fixed assets21/28€50€50=
Financial fixed assets28€50€50=
Current assets29/58€46k€43k▼
Stocks and contracts in progress3€2k€0▼
Stocks30/36€2k€0▼
Amounts receivable within one year40/41€30k€21k▼
Trade receivables40€12k€4k▼
Other amounts receivable41€17k€17k▼
Cash at bank and in hand54/58€13k€20k▲
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€46k€44k▼
Equity10/15€32k€30k▼
Contributions10/11€11k€11k=
Reserves13€20k€20k=
Non-distributable reserves130/1€602€602=
Reserves not available under the articles1311€602€602=
Tax-exempt reserves132€20k-
Distributable reserves133-€20k
Profit (loss) carried forward14€1k€-1k▼
Amounts payable17/49€13k€13k▲
Amounts payable within one year42/48€13k€13k▲
Trade debts44€1k€4k▲
Suppliers440/4€1k€4k▲
Taxes, remuneration and social security45€12k€10k▼
Taxes450/3€5k€1k▼
Remuneration and social security454/9€7k€9k▲
Income statement
Code20242025
Turnover70€210k€247k▲
Goods, raw materials, services and sundry goods60/61€162k€167k▲
Remuneration, social security and pensions62€48k€80k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€143-
Other operating charges640/8€512€348▼
Gross operating margin9900€49k€81k▲
Operating profit (loss)9901€373€180▼
Financial income75/76B€252€274▲
Recurring financial income75€252€274▲
Financial charges65/66B€344€250▼
Recurring financial charges65€344€250▼
Profit (loss) for the period before taxes9903€281€203▼
Income taxes67/77€3k€3k▼
Profit (loss) for the period9904€-3k€-2k▲
Profit (loss) for the period to be appropriated9905€-3k€-2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1k€-1k▼
Profit (loss) brought forward from the previous period14P€4k€1k▼
The notes to these accounts (5 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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 426 days late
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-3k ▼122%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity doublescurrent ratio 1.62
Current ratio from 0.74 to 1.62.
06-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 67 days late
2019
09-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 70 days late
01-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 427 days late
2017
18-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 18 days late
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, Manage · 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.
Rue Kwatta 67170 ManageGround area
648 m²
Building footprint
118 m²
Volume, LiDAR
832 m³
2 parcels, Wallonia · tallest building 8.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Côtémaison
since 20132.222.609.993
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52006B0077/00M007 | Wallonia | 413 m² | 1 · 80 m² | 8.3 m · 2 fl. |
| 55022A0210/00F006 | Wallonia | 235 m² | 1 · 38 m² | 8.9 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
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INSIDE DESIGN
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Of 20,024 companies in sector 43320 we hold annual accounts for 9,135. 6,790 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 formPrivate limited company
Founded05-07-2013
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
46130Agents in the wholesale of timber and building materials
46150Agents in the wholesale of furniture, household goods and hardware
46831Wholesale of construction materials, general range
46839Wholesale trade
46841Wholesale trade
47120Other non-specialised retail sale
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.