Equity
€127,739 ▼ 21.5%
COULONVAL Expert-Comptable paid out €65,000 in dividends. That is 217% of the 2025 profit.
COULONVAL Expert-Comptable
Lifetime
20 annual accounts with figures on one time axis, 36 filings since 1990peak €124,336 (2014)
€75,794▼ 7.1%
peak €34,882 (2021)
€29,996▼ 1.3%
peak €162,743 (2024)
€127,739▼ 21.5%
€56,510▲ 6.9%
peak 2.1 FTE (2014)
-not published
Board1 name since 2021
Documentsfilings and deeds
06-06-202655 days before the deadline
2025micro format
Dividend €65,000Equity from €162,743 to €127,739
Key points
from the 2025 annual accountsChecked score
94
Excellent
Financially stronger than 54% of micro companies in legal and accounting (NACE 69)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: < 0.1% across 20,107 companies (NACE 69, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025highest value
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026lowest value
08-2026: < 0.1%● unchanged vs 07-2026lowest value
09-2026: < 0.1%● unchanged vs 08-2026lowest value
10-2026: < 0.1%● unchanged vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
lowers risk
Liquidity: current ratio 3.14, cash €88,012
Sector: Legal and accounting activities (NACE 69)
Size: total assets €184,250
Equity €127,739 (69.3% of total assets)
Calculation
The band follows from the bankruptcy probability. 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 69, micro). It does better than 66% of them on solvency, 82% on liquidity, 50% on profitability and 18% on growth.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 31,368 companies had the same profile as COULONVAL Expert-Comptable has now. Each dot stands for 79 companies, two years later.
93.5%
were still trading
5.9%
stopped another way
0.5%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of COULONVAL Expert-Comptable itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 31,368 companies, not a prediction for COULONVAL Expert-Comptable. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €12,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.14 (4.49 in 2024), above the usual 1.5. Short-term debt is 26% and cash 47.8% of total assets. 30.7% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
5 signals, none raises the risk
Five signals.
lowers riskneutral
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 06-06-2026, 55 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
55 days early
2024
38 days early
2023
37 days early
2022
38 days early
2021
62 days early
2020
58 days early
2019
44 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 47 days before the deadline. In the sector (NACE 69), the median for financial year 2024 was 9 days before the deadline, and 32% 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 June (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- COULONVAL Pascale Louise Raymonde Ghislaine all the sharesdeed of 23-11-2023
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0439178386
Company renamed from BUREAU D'EXPERTS COMPTABLES COULONVAL-QUINTELIER to COULONVAL Expert-Comptable
Registered office moved from Anderlecht to Court-Saint-Etienne · New registered office: rue Saussale 19, 1490 Court-Saint-Etienne · Previous registered office: Boulevard Louis Mettewie 505, 1070 Anderlecht · General meeting of 21-11-2023 · Gazette deed
Incorporation
published on 30-12-1989 · Gazette deed
First establishment
Rue Saussale 19, Court-Saint-Etienne
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| COULONVAL Expert-Comptable Court-Saint-Etienne | €184,250 | €75,794 | 69.3% | - |
| BOEKHOUDING & FISKAAL CENTRUM -CENTRE COMPTABLE & FISCAL Ittre | €217,133 | €86,414 | 16.2% | - |
| A.F.B. Boekhoudburo Antwerp | €180,323 | €71,876 | 71.7% | - |
| Fiduciaire Lauwers M. Turnhout | €178,293 | €85,374 | 66.7% | - |
| ADS CONNECTIONS Putte | €195,138 | €67,168 | 87.6% | - |
| GILISSEN CONSULTING Zonhoven | €173,684 | €70,621 | 65.8% | - |
| ADVANCO Oudenaarde | €159,652 | €76,372 | 75.5% | - |
These companies have the same main activity as COULONVAL Expert-Comptable: certified accountants and tax accountants (NACE 69201). They are comparable in size and age: total assets between €160,000 and €217,000, founded between 1988 and 1992.
Official details
Source: KBO- Status
- Active since 30-11-1989Normal situation
- Activity
- Certified accountants and tax accountantsNACE 69201
- Joint committee
- 336Liberal professions · annual accounts 2025
- Establishment unit
- 2.227.603.1191490 Court-Saint-Etienne, since 30-11-1989
- Financial year end
- 31 December
- Peppol
- Reachable since 02-09-2025
Annual accounts 2025
- €184,250▼ 14.5%
- Employeeson 31-12-2025
- 1=
- Filing
- Filed on 06-06-2026, 55 days before the end of the filing period
Insights on COULONVAL Expert-Comptable
COULONVAL Expert-Comptable files the micro format. That format states no turnover. The gross margin rose from €68,850 in 2006 to €75,794 in 2025.
The balance sheet grew most from 2021 to 2023 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about COULONVAL Expert-Comptable
- What is the company number of COULONVAL Expert-Comptable?
- The company number of COULONVAL Expert-Comptable is 0439.178.386. The VAT number is the same number with BE in front: BE 0439.178.386.
- Where is COULONVAL Expert-Comptable based?
- The registered office is at Rue Saussale 19, 1490 Court-Saint-Etienne.Company details
- What does COULONVAL Expert-Comptable do?
- According to the KBO register, the main activity is certified accountants and tax accountants (NACE 69201).
- What is the legal form of COULONVAL Expert-Comptable?
- COULONVAL Expert-Comptable is a private limited company (BV).
- When was COULONVAL Expert-Comptable founded?
- COULONVAL Expert-Comptable was founded on 30-11-1989.
- Is COULONVAL Expert-Comptable still active?
- Yes, COULONVAL Expert-Comptable is an active enterprise in the KBO register.
- How many employees does COULONVAL Expert-Comptable have?
- COULONVAL Expert-Comptable had an average of 1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does COULONVAL Expert-Comptable fall under?
- In its 2025 annual accounts, COULONVAL Expert-Comptable states joint committee 336 (Liberal professions).
- What is the turnover of COULONVAL Expert-Comptable?
- The turnover in financial year 2025 is ≈ €160,000. This figure is estimated from the gross margin of €75,794 and 56 comparable companies (NACE 69201). It probably lies between €120,000 and €220,000. In financial year 2022 turnover was €234,392.
- Is COULONVAL Expert-Comptable profitable?
- In financial year 2025, COULONVAL Expert-Comptable made a profit of €29,996.
- Where can I find the annual accounts of COULONVAL Expert-Comptable?
- COULONVAL Expert-Comptable filed 36 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of COULONVAL Expert-Comptable due?
- COULONVAL Expert-Comptable must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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