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COUVERTURE CREATIONS

Active
Private limited companyfounded 2008active for 18 yearsLijnwaadmarkt 11, 2000 Antwerpen, BelgiumKBO/BCE: BE 0899.464.271
Summary

COUVERTURE CREATIONS has been active since 2008 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €79,158 and a net result of €27,776. Equity is growing by about 21% per year across the filed financial years. Its solvency ranks better than 58% of 4,754 sector peers (NACE 56, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Risk analysisFollow ReportCompare
COUVERTURE CREATIONSActiveChecked score 89/100
Risk analysis ReportCompare

Overview

Activity
Limited-service restaurants, excluding mobile food services
NACE 56112
1 site
Size
≈ €680,000turnover 2025, estimated
Staff
2.5 FTE
Equity
€79,158
Profit
€27,776
Turnover estimated from the gross margin
Financial health
89 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.3%
Structure
2025 accounts 4 days early1 of 3 deeds summarised
Why 89raises riskSector: Food and beverage service activities (NACE 56)Size: 2.5 FTE, total assets €208,562lowers riskLiquidity: current ratio 1.29, cash €88,276Founded in 2008Show the evidence

Checked score

Score 2025
89 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 72% of its sector peers (NACE 56, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Strong
Solvency 63+18
equity 38.0% of total assets
Liquidity 72+10
short-term debt 54.7% · cash 42.3%
Profitability 85+8
return on assets 13.3%
Bankruptcy probability, 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.8% (23,766 companies, NACE 56, micro)
Last 24 months 11-2024: 0.5% 12-2024: 0.5%● unchanged vs 11-2024 01-2025: 0.5%● unchanged vs 12-2024 02-2025: 0.6%▲ +0.1 percentage points vs 01-2025 03-2025: 0.6%● unchanged vs 02-2025 04-2025: 0.6%● unchanged vs 03-2025 05-2025: 0.6%● unchanged vs 04-2025 06-2025: 0.6%● unchanged vs 05-2025 07-2025: 0.7%▲ +0.1 percentage points vs 06-2025highest value 08-2025: 0.5%▼ -0.2 percentage points vs 07-2025 09-2025: 0.5%● unchanged vs 08-2025 10-2025: 0.5%● unchanged vs 09-2025 11-2025: 0.5%● unchanged vs 10-2025 12-2025: 0.5%● unchanged vs 11-2025 01-2026: 0.5%● unchanged vs 12-2025 02-2026: 0.5%● unchanged vs 01-2026 03-2026: 0.5%● unchanged vs 02-2026 04-2026: 0.6%▲ +0.1 percentage points vs 03-2026 05-2026: 0.5%▼ -0.1 percentage points vs 04-2026 06-2026: 0.5%● unchanged vs 05-2026 07-2026: 0.6%▲ +0.1 percentage points vs 06-2026 08-2026: 0.3%▼ -0.3 percentage points vs 07-2026lowest value 09-2026: 0.3%● unchanged vs 08-2026lowest value 10-2026: 0.3%● unchanged vs 09-2026lowest value
Credit of up to €7,000 on 30-day terms is acceptable
Liquidity tight (current ratio 1.29, compared with 1.03 in 2024, below the usual 1.5; short-term debt: 54.7% and cash: 42.3% of total assets), and 62% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 56, micro): better than 58% on solvency, 76% on liquidity, 73% on profitability and 82% on growth.

The bankruptcy probability was computed on 27-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
lowers riskraises riskneutral
raises risk · Sector: Food and beverage service activities (NACE 56)
KBO
lowers risk · Liquidity: current ratio 1.29, cash €88,276
NBB · annual accounts
lowers risk · Founded in 2008
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
raises risk · Size: 2.5 FTE, total assets €208,562
Companies of this size fail more often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
4 days early
2024
34 days early
2023
29 days early
2022
28 days early
2021
37 days early
2020
33 days early
2019
24 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 27 days before the deadline; the sector median (NACE 56) for financial year 2024 is 7 days after the deadline, and 53% 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 3 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
28-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · abbreviated…
  2. Annual accounts filedfinancial year 2024 · abbreviated…
  3. Annual accounts filedfinancial year 2023 · abbreviated…

Key points

  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
  • One director decidessole director in office 1 View
  • Total assets 20256 financial years filed €208,562 View

By topic

Financials

Financial year
2025
Total assets
€208,562
Profit
€27,776
Solvency
38.0%
Total assets▼ 20.6%
Net result
20182025
Go to Financials

Timeline

Events
22
Since
2010
Next accounts
by 31-07-2027
  1. 31-12-2023Back to profit
  2. 03-07-2023Annual accounts filed
  3. 29-06-2023Resignations: Wim Hofkens (manager) and Gitte Hofman…
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Limited-service restaurants, excluding mobile food servicesNACE 56112
Founded
17-07-2008
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
13
Who signs
Each director alone
Purpose
“De groot- en kleinhandel,import en export,evenals de uitbating van horeca met betrekking…” (deed in Dutch)
Go to Articles of association

Key facts about COUVERTURE CREATIONS

What is the company number of COUVERTURE CREATIONS?
0899.464.271. In Belgium the VAT number is the company number with BE in front: BE 0899.464.271.
Where is COUVERTURE CREATIONS based?
The registered office is at Lijnwaadmarkt 11, 2000 Antwerpen.Company details
What does COUVERTURE CREATIONS do?
According to the KBO register, the main activity is limited-service restaurants, excluding mobile food services (NACE 56112).
What is the legal form of COUVERTURE CREATIONS?
Private limited company (BV).
When was COUVERTURE CREATIONS founded?
On 17-07-2008.
Is COUVERTURE CREATIONS still active?
Yes, COUVERTURE CREATIONS is an active enterprise in the KBO register.
How many employees does COUVERTURE CREATIONS have?
On average 2.5 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of COUVERTURE CREATIONS?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is COUVERTURE CREATIONS profitable?
In financial year 2025, COUVERTURE CREATIONS made a profit of €27,776.
Where can I find the annual accounts of COUVERTURE CREATIONS?
COUVERTURE CREATIONS filed 17 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of COUVERTURE CREATIONS due?
By 31-07-2027, for financial year 2026.Timeline

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