COUVRE-MOI
ActiveThe computed 12-month bankruptcy probability of COUVRE-MOI is 1.6% (moderate). The 2025 annual accounts show equity of €119k and a net result of €-33k. Equity is growing by ~15% per year across the filed fiscal years. Its solvency ranks better than 44% of 27711 sector peers (fiscal year 2025). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability7▼-71
Solvency67▼-5
Growth50▼-17
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.43 against 1.86 in 2024; short-term debt: 55.2% and cash: 41.4% of total assets), and 57.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
42.3%
Return on assets
-11.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
4 d late
2023
21 d early
2022
58 d late
2021
2 d late
2020
5 d late
2019
15 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€593k▲ 4.4%
2024 · €569k
2018: €460k
2019: €381k
2020: €428k
2021: €427k
2022: €520k
2023: €490k
2024: €569k
2018 → 2025
EBIT margin
-5.2%▼ 13.8pp
2024 · 8.7%
2018: 1.7%
2019: 0.1%
2020: 3.8%
2021: 2.0%
2022: 5.4%
2023: 2.6%
2024: 8.7%
2018 → 2025
Net result
€-33k
2024 · €38k
2018: €7k
2019: €-175
2020: €15k
2021: €7k
2022: €22k
2023: €11k
2024: €38k
2018 → 2025
Working capital
€67k▼ 44.1%
2024 · €120k
2018: €43k
2019: €51k
2020: €74k
2021: €79k
2022: €104k
2023: €120k
2024: €120k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€427k-€520k▲ 21.9%€490k▼ 5.8%€569k▲ 16.0%€593k▲ 4.4%
Equity€82k-€104k▲ 26.5%€114k▲ 10.1%€152k▲ 33.0%€119k▼ 21.6%
Operating result€8k-€28k▲ 231%€13k▼ 54.5%€49k▲ 288%€-31k
Net result€7k-€22k▲ 209%€11k▼ 51.6%€38k▲ 258%€-33k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €31k after €49k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €281k
Fixed assets
€59k▼ 4.3%
Current assets
€223k▼ 14.3%
Equity and liabilities €281k
Equity
€119k▼ 21.6%
Debt
€162k▼ 4.1%
The debt ratio rises from 52.7% to 57.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-12k▼
2024 · €67k
Cash flow
€-14k▼
2024 · €55k
Solvency
42.3%▼
2024 · 47.3%
Current ratio
1.43▼
2024 · 1.86
Quick ratio
1.43▼
2024 · 1.86
Debt / equity
1.36▲
2024 · 1.12
ROE
-27.6%▼
2024 · 24.8%
ROA
-11.7%▼
2024 · 11.7%
Interest coverage
-5.88▼
2024 · 37.33
Debt
€162k▼
2024 · €169k
Debt ≤ 1 year
€155k▲
2024 · €139k
Debt > 1 year
€7k▼
2024 · €30k
Income taxes
€147▼
2024 · €11k
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€321k€281k▼
Fixed assets21/28€61k€59k▼
Tangible fixed assets22/27€61k€59k▼
Furniture and vehicles24€61k€59k▼
Financial fixed assets28€55€55=
Current assets29/58€260k€223k▼
Amounts receivable within one year40/41€115k€101k▼
Trade receivables40€115k€101k▼
Cash at bank and in hand54/58€142k€116k▼
Deferred charges and accrued income490/1€3k€5k▲
Equity and liabilities
Total equity and liabilities10/49€321k€281k▼
Equity10/15€152k€119k▼
Contributions10/11€12k€12k=
Reserves13€4k€4k=
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Profit (loss) carried forward14€135k€102k▼
Amounts payable17/49€169k€162k▼
Amounts payable after more than one year17€30k€7k▼
Financial debts170/4€30k€7k▼
Amounts payable within one year42/48€139k€155k▲
Current portion of amounts payable after more than one year42€23k€23k=
Trade debts44€57k€65k▲
Suppliers440/4€57k€65k▲
Taxes, remuneration and social security45€17k€32k▲
Taxes450/3€16k€24k▲
Remuneration and social security454/9€1k€9k▲
Other amounts payable47/48€42k€35k▼
Income statement
Code20242025
Turnover70€569k€593k▲
Goods, raw materials, services and sundry goods60/61€484k€603k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€19k▲
Other operating charges640/8€18k€3k▼
Gross operating margin9900€85k€-9k▼
Operating profit (loss)9901€49k€-31k▼
Financial income75/76B€1k€54▼
Recurring financial income75€1k€54▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€49k€-33k▼
Income taxes67/77€11k€147▼
Profit (loss) for the period9904€38k€-33k▼
Profit (loss) for the period to be appropriated9905€38k€-33k▼
Appropriation of the result
Profit (loss) to be appropriated9906€135k€102k▼
Profit (loss) brought forward from the previous period14P€98k€135k▲
The notes to these accounts (7 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Weakest financial yearnet €-33k ▼187%
Net result drops to €-33k, the lowest in the series.
04-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
31-12
Financial
Highest result since 2018net €38k ▲258%
Operating result €49k, net result €38k, both a record.
31-12
Financial
Equity above €150kEq €152k ▲33%
5 profitable years in a row build equity to €152k.
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 58 days late
2022
31-12
Financial
Equity above €100kEq €104k ▲26.5%
3 profitable years in a row build equity to €104k.
02-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
2021
05-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 5 days late
2020
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
15-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 15 days late
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
09-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 9 days late
2017
25-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Anderlecht · 1 establishment unit since 2007
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.
Ketelstraat 1051070 AnderlechtGround area
398 m²
Building footprint
118 m²
Volume, LiDAR
715 m³
Parcel 21307G0259/00D000, Brussels · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Couvre-Moi
since 20072.166.999.497
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21307G0259/00D000 | Brussels | 398 m² | 1 · 117 m² | 9.2 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.
Recognitions · licences · registrations
Recognised contractor
5 categoriesCOUVRE-MOI SRL39765
Similar companies · same sector, comparable size
BENO
BE 0793.815.930
Antwerpen · Eq €119k
Dakwerken Nuytemans E.
BE 0790.228.415
Nijlen · Eq €119k
ADRIAENS DAK EN GEVEL
BE 0761.562.341
Ninove · Eq €119k
FAYMONVILLE JACQUES
BE 0457.602.547
Pont-à-Celles · Eq €119k
GLOVEDA
BE 0456.456.660
Brussel · Eq €119k
Of 8,563 companies in sector 43410 we hold annual accounts for 4,355. 3,794 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-10-2007
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
43230Insulation installation
43291Specialised construction activities
43990Other specialised construction activities
43999Specialised construction activities
45220
45250
Sources
Crossroads Bank for EnterprisesNational Bank · 18 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.