COUSSENS JOOST
ActiveCOUSSENS JOOST has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €33k and a net result of €4k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 30% of 27619 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▲+62
Solvency54▲+4
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity short (current ratio 0.43 against 0.42 in 2024; short-term debt: 71.4% and cash: 6.7% of total assets), and 71.4% 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 →
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
28.6%
Return on assets
3.2%
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 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
28 d late
2023
2 d early
2022
28 d late
2021
26 d early
2020
32 d early
2019
3 d early
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€33k▲ 12.6%
2024 · €29k
2018: €222k
2019: €220k
2020: €211k
2021: €41k
2022: €43k
2023: €37k
2024: €29k
2018 → 2025
Total assets
€115k▼ 3.2%
2024 · €119k
2018: €248k
2019: €244k
2020: €239k
2021: €204k
2022: €150k
2023: €130k
2024: €119k
2018 → 2025
Net result
€4k
2024 · €-8k
2018: €-2k
2019: €-2k
2020: €-9k
2021: €18k
2022: €2k
2023: €-6k
2024: €-8k
2018 → 2025
Working capital
€-47k▲ 9.7%
2024 · €-52k
2018: €119k
2019: €125k
2020: €117k
2021: €-48k
2022: €-42k
2023: €-49k
2024: €-52k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€41k-€43k▲ 5.0%€37k▼ 13.2%€29k▼ 20.9%€33k▲ 12.6%
Operating result€23k-€4k▼ 80.4%€-5k€-7k▼ 34.3%€4k
Net result€18k-€2k▼ 88.9%€-6k€-8k▼ 37.2%€4k
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: €4k after a loss of €7k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €115k
Fixed assets
€80k▼ 1.7%
Current assets
€35k▼ 6.5%
Equity and liabilities €115k
Equity
€33k▲ 12.6%
Debt
€82k▼ 8.3%
The debt ratio falls from 75.4% to 71.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€9k▲
2024 · €-2k
Cash flow
€9k▲
2024 · €-3k
Solvency
28.6%▲
2024 · 24.6%
Current ratio
0.43▲
2024 · 0.42
Quick ratio
0.22▲
2024 · 0.20
Debt / equity
2.50▼
2024 · 3.07
ROE
11.2%▲
2024 · -26.3%
ROA
3.2%▲
2024 · -6.5%
Interest coverage
32.15▲
2024 · -8.01
Debt
€82k▼
2024 · €90k
Debt ≤ 1 year
€82k▼
2024 · €90k
Income taxes
€304▲
2024 · €295
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€119k€115k▼
Fixed assets21/28€81k€80k▼
Tangible fixed assets22/27€81k€80k▼
Land and buildings22€77k€74k▼
Plant, machinery and equipment23€1k€4k▲
Furniture and vehicles24€2k€2k▼
Financial fixed assets28€231€231=
Current assets29/58€38k€35k▼
Stocks and contracts in progress3€20k€17k▼
Stocks30/36€20k€17k▼
Amounts receivable within one year40/41€4k€10k▲
Trade receivables40€3k€9k▲
Other amounts receivable41€387€1k▲
Cash at bank and in hand54/58€14k€8k▼
Equity and liabilities
Total equity and liabilities10/49€119k€115k▼
Equity10/15€29k€33k▲
Contributions10/11€6k€6k=
Reserves13€36k€36k=
Tax-exempt reserves132€7k€7k=
Distributable reserves133€30k€30k=
Profit (loss) carried forward14€-13k€-10k▲
Amounts payable17/49€90k€82k▼
Amounts payable within one year42/48€90k€82k▼
Trade debts44€7k€10k▲
Suppliers440/4€7k€10k▲
Taxes, remuneration and social security45€580€600▲
Taxes450/3€580€600▲
Other amounts payable47/48€83k€72k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▲
Other operating charges640/8€3k€4k▲
Gross operating margin9900€1k€13k▲
Operating profit (loss)9901€-7k€4k▲
Financial income75/76B€8€161▲
Recurring financial income75€8€161▲
Financial charges65/66B€288€284▼
Recurring financial charges65€288€284▼
Profit (loss) for the period before taxes9903€-7k€4k▲
Income taxes67/77€295€304▲
Profit (loss) for the period9904€-8k€4k▲
Profit (loss) for the period to be appropriated9905€-8k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-13k€-10k▲
Profit (loss) brought forward from the previous period14P€-6k€-13k▼
The notes to these accounts (6 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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €4k
Net result €4k after 2 loss-making years.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €18k
Net result €18k after 3 loss-making years.
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-9k
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-06
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.
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, Wielsbeke · 1 establishment unit since 1991
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.
Verbindingsstraat 78710 WielsbekeGround area
1,692 m²
Building footprint
325 m²
Volume, LiDAR
1,713 m³
Parcel 37017B0119/00K000, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
COUSSENS JOOST BVBA
since 19912.054.030.230
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37017B0119/00K000 | Flanders | 1,692 m² | 1 · 325 m² | 7.8 m · 2 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.
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Of 9,531 companies in sector 43222 we hold annual accounts for 5,661. 4,126 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-04-1991
Fiscal year end31-12
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.