COUVERTURE CREATIONS
ActiveCOUVERTURE CREATIONS has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €79k and a net result of €28k. Equity is growing by ~20.5% per year across the filed fiscal years. Its solvency ranks better than 59% of 3579 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
89
/ 100
Excellent▲ +21 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency66▲+41
Growth78=
Stability100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity tight (current ratio 1.29 against 1.03 in 2024), and 62% 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 56
Relative position
BE, all sectors
reference
Sector 56
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
38%
Return on assets
13.3%
Age of the figures
8 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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
34 d early
2023
29 d early
2022
28 d early
2021
37 d early
2020
33 d early
2019
24 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
10-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€79k▲ 54.1%
2024 · €51k
2018: €25k
2019: €15k
2020: €32k
2021: €48k
2022: €-5k
2023: €40k
2024: €51k
2018 → 2025
Total assets
€209k▼ 20.6%
2024 · €263k
2018: €95k
2019: €152k
2020: €92k
2021: €175k
2022: €98k
2023: €201k
2024: €263k
2018 → 2025
Net result
€28k▲ 55.9%
2024 · €18k
2018: €8k
2019: €-10k
2020: €18k
2021: €58k
2022: €-53k
2023: €45k
2024: €18k
2018 → 2025
Working capital
€33k▲ 473%
2024 · €6k
2018: €-656
2019: €-22k
2020: €-2k
2021: €17k
2022: €-40k
2023: €2k
2024: €6k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€48k-€-5k€40k€51k▲ 28.3%€79k▲ 54.1%
Operating result€65k-€-52k€46k€21k▼ 54.9%€40k▲ 93.6%
Net result€58k-€-53k€45k€18k▼ 60.8%€28k▲ 55.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 94% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €209k
Fixed assets
€62k▼ 10.6%
Current assets
€147k▼ 24.1%
Equity and liabilities €209k
Equity
€79k▲ 54.1%
Debt
€129k▼ 38.7%
The debt ratio falls from 80.4% to 62.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€61k▲
2024 · €35k
Cash flow
€48k▲
2024 · €32k
Solvency
38.0%▲
2024 · 19.6%
Current ratio
1.29▲
2024 · 1.03
Quick ratio
1.22▲
2024 · 1.00
Debt / equity
1.63▼
2024 · 4.11
ROE
35.1%▲
2024 · 34.7%
ROA
13.3%▲
2024 · 6.8%
Interest coverage
50.01▼
2024 · 94.47
Debt
€129k▼
2024 · €211k
Debt ≤ 1 year
€114k▼
2024 · €188k
Debt > 1 year
€12k▲
2024 · €3k
Income taxes
€12k▲
2024 · €3k
Staff costs
€152k▲
2024 · €118k
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€263k€209k▼
Fixed assets21/28€69k€62k▼
Tangible fixed assets22/27€57k€46k▼
Plant, machinery and equipment23€50k€40k▼
Furniture and vehicles24€7k€6k▼
Financial fixed assets28€12k€16k▲
Current assets29/58€194k€147k▼
Stocks and contracts in progress3€5k€7k▲
Stocks30/36€5k€7k▲
Amounts receivable within one year40/41€65k€47k▼
Trade receivables40€64k€24k▼
Other amounts receivable41€2k€23k▲
Cash at bank and in hand54/58€122k€88k▼
Deferred charges and accrued income490/1€1k€4k▲
Equity and liabilities
Total equity and liabilities10/49€263k€209k▼
Equity10/15€51k€79k▲
Contributions10/11€19k€19k=
Reserves13€33k€61k▲
Distributable reserves133€33k€61k▲
Amounts payable17/49€211k€129k▼
Amounts payable after more than one year17€3k€12k▲
Financial debts170/4€3k€12k▲
Amounts payable within one year42/48€188k€114k▼
Current portion of amounts payable after more than one year42€4k€7k▲
Trade debts44€92k€46k▼
Suppliers440/4€92k€46k▼
Taxes, remuneration and social security45€19k€55k▲
Taxes450/3€7k€32k▲
Remuneration and social security454/9€12k€24k▲
Other amounts payable47/48€73k€7k▼
Accrued charges and deferred income492/3€20k€4k▼
Income statement
Code20242025
Remuneration, social security and pensions62€118k€152k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€20k▲
Other operating charges640/8€3k€4k▲
Gross operating margin9900€157k€217k▲
Operating profit (loss)9901€21k€40k▲
Financial income75/76B€32€198▲
Recurring financial income75€32€198▲
Financial charges65/66B€373€1k▲
Recurring financial charges65€373€1k▲
Profit (loss) for the period before taxes9903€21k€39k▲
Income taxes67/77€3k€12k▲
Profit (loss) for the period9904€18k€28k▲
Profit (loss) for the period to be appropriated9905€18k€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€10k€28k▲
Profit (loss) brought forward from the previous period14P€-8k-
Transfer to equity691/2€4k€28k▲
To other reserves6921€4k€28k▲
Profit to be distributed694/7€7k-
Directors or managers695€7k-
Social balance
Average headcount (FTE)90872.42.5▲
The notes to these accounts (11 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €45k
Net result €45k after one loss-making year.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €-53k ▼191%
Net result drops to €-53k, the lowest in the series; recovery starts the following year.
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €58k ▲223%
Operating result €65k, net result €58k, both a record.
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Antwerpen · 1 establishment unit since 2008
Ground area
126 m²
Building footprint
126 m²
Volume, LiDAR
1,353 m³
Parcel 11002A1190/00A000, Flanders · tallest building 22.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Quetzal
since 20082.172.729.427
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11002A1190/00A000 | Flanders | 126 m² | 1 · 126 m² | 22.1 m · 3 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.
Similar companies · same sector, comparable size
DYNAMIXS INVEST
BE 1005.138.348
Sint-Joost-ten-Node · Eq €79k
EVRA
BE 0864.464.691
La Louvière · Eq €79k
Botermarkt
BE 0872.736.813
Gent · Eq €79k
MISERE
BE 0443.774.109
Antwerpen · Eq €79k
MAZONE
BE 0876.474.083
La Hulpe · Eq €79k
Of 21,633 companies in sector 56112 we hold annual accounts for 9,660. 7,964 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-07-2008
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.