COUMANS
ActiveSummary
COUMANS has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €113k and a net result of €10k. Equity is growing by ~7.7% per year across the filed fiscal years. Its solvency ranks better than 89% of 27965 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability78▲+51
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 7.75 against 9.26 in 2024; short-term debt: 8.6% and cash: 30.1% of total assets), and 14.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
85.1%
Return on assets
7.6%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-09-2026, 49 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
49 d late
2024
31 d early
2023
31 d early
2022
4 d early
2021
3 d early
2020
19 d late
2019
59 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€113k▲ 9.8%
2024 · €103k
Total assets
€133k▲ 8.1%
2024 · €123k
Net result
€10k
2024 · €-2k
Working capital
€77k▲ 10.1%
2024 · €70k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€3k▼ 82.8%€11k▲ 222%€16k▲ 40.2%€-299€16k
Net result€2k▼ 90.2%€8k▲ 421%€8k▲ 3.5%€-2k€10k
Equity€89k▲ 1.8%€97k▲ 9.1%€105k▲ 8.6%€103k▼ 2.3%€113k▲ 9.8%
Total assets€121k▼ 8.8%€129k▲ 6.1%€134k▲ 4.4%€123k▼ 8.6%€133k▲ 8.1%
Debt€32k▼ 29.0%€32k▼ 2.1%€29k▼ 8.4%€20k▼ 31.4%€20k▼ 0.7%
Working capital€53k▼ 12.1%€64k▲ 19.7%€74k▲ 15.9%€70k▼ 5.8%€77k▲ 10.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €16k after a loss of €299 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €133k
Fixed assets
€45k =
Current assets
€88k ▲ 12.7%
Equity and liabilities €133k
Equity
€113k ▲ 9.8%
Debt
€20k ▼ 0.7%
Debt's share of the balance-sheet total falls from 16.2% to 14.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€21k▲
2024 · €4k
Cash flow
€15k▲
2024 · €2k
Current ratio
7.75▼
2024 · 9.26
Quick ratio
7.31▼
2024 · 8.66
Debt to equity
0.18▼
2024 · 0.19
ROE
8.9%▲
2024 · -2.3%
ROA
7.6%▲
2024 · -2.0%
Interest coverage
8.09▲
2024 · 1.33
Debt ≤ 1 year
€11k▲
2024 · €8k
Debt > 1 year
€8k▼
2024 · €11k
Income taxes
€4k▲
2024 · €213
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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4k | €5k | €5k | €5k | €5k | ▲ 12.4% |
| Other operating charges640/8 | €1k | €2k | €1k | €943 | €2k | ▲ 144% |
| Gross operating margin9900 | €9k | €19k | €22k | €5k | €24k | ▲ 352% |
| Operating profit (loss)9901 | €3k | €11k | €16k | €-299 | €16k | ▲ 5,530% |
| Financial income75/76B | €713 | €3k | €316 | €1k | €846 | ▼ 37.6% |
| Recurring financial income75 | €713 | €3k | €316 | €1k | €846 | ▼ 37.6% |
| Financial charges65/66B | €2k | €2k | €4k | €3k | €3k | ▼ 18.4% |
| Recurring financial charges65 | €2k | €2k | €4k | €3k | €3k | ▼ 18.4% |
| Profit (loss) for the period before taxes9903 | €2k | €12k | €12k | €-2k | €14k | ▲ 760% |
| Income taxes67/77 | €352 | €3k | €4k | €213 | €4k | ▲ 1,943% |
| Profit (loss) for the period9904 | €2k | €8k | €8k | €-2k | €10k | ▲ 520% |
| Profit (loss) for the period to be appropriated9905 | €2k | €8k | €8k | €-2k | €10k | ▲ 520% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €121k | €129k | €134k | €123k | €133k | ▲ 8.1% |
| Fixed assets21/28 | €56k | €51k | €46k | €45k | €45k | = |
| Tangible fixed assets22/27 | €56k | €51k | €46k | €45k | €45k | = |
| Land and buildings22 | €51k | €48k | €44k | €43k | €39k | ▼ 8.8% |
| Plant, machinery and equipment23 | €4k | €3k | €2k | €2k | €862 | ▼ 45.2% |
| Furniture and vehicles24 | €732 | €290 | - | €217 | €5k | ▲ 2,053% |
| Current assets29/58 | €65k | €78k | €89k | €78k | €88k | ▲ 12.7% |
| Stocks and contracts in progress3 | €5k | €5k | €5k | €5k | €5k | = |
| Stocks30/36 | €5k | €5k | €5k | €5k | €5k | = |
| Amounts receivable within one year40/41 | €21k | €26k | €29k | €18k | €22k | ▲ 24.1% |
| Trade receivables40 | €16k | €18k | €25k | €12k | €21k | ▲ 67.4% |
| Other amounts receivable41 | €5k | €8k | €5k | €6k | €2k | ▼ 70.0% |
| Current investments50/53 | - | - | €30k | €15k | €20k | ▲ 33.3% |
| Cash at bank and in hand54/58 | €40k | €47k | €24k | €40k | €40k | ▼ 0.6% |
| Deferred charges and accrued income490/1 | - | - | - | - | €881 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €121k | €129k | €134k | €123k | €133k | ▲ 8.1% |
| Equity10/15 | €89k | €97k | €105k | €103k | €113k | ▲ 9.8% |
| Contributions10/11 | €12k | €12k | €12k | €12k | €12k | = |
| Capital10 | €12k | - | - | - | - | - |
| Issued capital100 | €19k | - | - | - | - | - |
| Uncalled capital101 | €6k | - | - | - | - | - |
| Reserves13 | €12k | €20k | €28k | €28k | €38k | ▲ 35.9% |
| Non-distributable reserves130/1 | €2k | €2k | €2k | - | - | - |
| Legal reserve130 | €2k | - | - | - | - | - |
| Reserves not available under the articles1311 | - | €2k | €2k | - | - | - |
| Distributable reserves133 | €10k | €18k | €26k | €28k | €38k | ▲ 35.9% |
| Profit (loss) carried forward14 | €65k | €65k | €65k | €63k | €63k | ▲ 0.1% |
| Amounts payable17/49 | €32k | €32k | €29k | €20k | €20k | ▼ 0.7% |
| Amounts payable after more than one year17 | €20k | €17k | €15k | €11k | €8k | ▼ 26.8% |
| Financial debts170/4 | €20k | €17k | €15k | €11k | €8k | ▼ 26.8% |
| Amounts payable within one year42/48 | €12k | €14k | €15k | €8k | €11k | ▲ 34.7% |
| Current portion of amounts payable after more than one year42 | €3k | €3k | €3k | €3k | €3k | ▲ 1.4% |
| Trade debts44 | €7k | €7k | €6k | - | €115 | - |
| Suppliers440/4 | €7k | €7k | €6k | - | €115 | - |
| Taxes, remuneration and social security45 | €1k | €3k | €3k | €4k | €7k | ▲ 96.8% |
| Taxes450/3 | €352 | €800 | €800 | €993 | €4k | ▲ 345% |
| Remuneration and social security454/9 | €949 | €2k | €3k | €3k | €3k | = |
| Other amounts payable47/48 | €541 | €2k | €2k | €2k | €1k | ▼ 34.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2k | €8k | €8k | €-2k | €10k | ▲ 520% |
| + Depreciation and write-downs630 | €4k | €5k | €5k | €5k | €5k | ▲ 12.4% |
| Operating cash flow (approximation) | €6k | €13k | €13k | €2k | €15k | ▲ 594% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €-3k | €-5k | ▼ 49.8% |
| Change in cash | - | €7k | €-23k | €16k | €-242 | ▼ 101% |
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
18-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 49 days late
2025
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-2k
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €105k ▲8.6%
5 profitable years in a row build equity to €105k.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 19 days late
2020
31-12
Financial
Highest result since 2018net €16k ▲61.4%
Operating result €20k, net result €16k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 4.13
Current ratio from 1.96 to 4.13; short-term debt falls from €43k to €19k.
28-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 59 days late
Show earlier events
2019
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Pelt · 1 establishment unit since 2006
Ground area
763 m²
Building footprint
101 m²
Volume, LiDAR
178 m³
Parcel 72033B0114/00C000, Flanders · tallest building 12.4 m. Linked by address, not a title deed.
1 establishment unit
COUMANS
since 20062.151.917.383
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72033B0114/00C000 | Flanders | 763 m² | 1 · 101 m² | 12.4 m |
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.
Recognitions · licences · registrations
Legal Entity Identifier
894500G18M20EB0AZ361
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Of 15,521 companies in sector 43990 we hold annual accounts for 7,414. 6,207 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
Founded14-02-2006
Fiscal year end31-12
Activities, NACEBEL 2025
43990Other specialised construction activities
43320Joinery installation
Scores and ratios are computed by Checked and are not a credit decision.