COUVRETOIT
ActiveThe computed 12-month bankruptcy probability of COUVRETOIT is 1.8% (moderate). The 2025 annual accounts show equity of €22k and a net result of €20k. Its solvency ranks better than 47% of 27711 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency70
Growth-
Track record67
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.79; short-term debt: 55.1% and cash: 13% of total assets), but 55.1% 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 →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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
44.9%
Return on assets
39.9%
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 07-08-2026, 7 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 · 1 filingDeviation from the deadline
2025
7 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€22k
Total assets
€50k
Net result
€20k
Working capital
€22k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €50k
Fixed assets
€705
Current assets
€49k
Equity and liabilities €50k
Equity
€22k
Debt
€28k
Debt finances 55.1% of the balance-sheet total.
Key figures and ratios
EBITDA
€26k
Cash flow
€20k
Solvency
44.9%
Current ratio
1.79
Quick ratio
1.79
Debt / equity
1.23
ROE
88.9%
ROA
39.9%
Interest coverage
346.15
Debt
€28k
Debt ≤ 1 year
€28k
Income taxes
€6k
Staff costs
€8k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€50k
Fixed assets21/28€705
Tangible fixed assets22/27€705
Plant, machinery and equipment23€705
Current assets29/58€49k
Amounts receivable within one year40/41€43k
Trade receivables40€6k
Other amounts receivable41€36k
Cash at bank and in hand54/58€7k
Deferred charges and accrued income490/1€65
Equity and liabilities
Total equity and liabilities10/49€50k
Equity10/15€22k
Contributions10/11€3k
Profit (loss) carried forward14€20k
Amounts payable17/49€28k
Amounts payable within one year42/48€28k
Trade debts44€22k
Suppliers440/4€22k
Taxes, remuneration and social security45€6k
Taxes450/3€6k
Remuneration and social security454/9€5
Income statement
Code2025
Remuneration, social security and pensions62€8k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€235
Other operating charges640/8€299
Gross operating margin9900€34k
Operating profit (loss)9901€25k
Financial income75/76B€209
Recurring financial income75€209
Financial charges65/66B€74
Recurring financial charges65€74
Profit (loss) for the period before taxes9903€25k
Income taxes67/77€6k
Profit (loss) for the period9904€20k
Profit (loss) for the period to be appropriated9905€20k
Appropriation of the result
Profit (loss) to be appropriated9906€20k
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
2026
07-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 7 days late
NBB filing
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, Seraing · 1 establishment unit since 2025
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.
Rue de la Coopération 1044100 SeraingGround area
485 m²
Building footprint
70 m²
Volume, LiDAR
489 m³
Parcel 62354C0062/00C006, Wallonia · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Couvretoit
since 20252.377.603.325
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62354C0062/00C006 | Wallonia | 485 m² | 1 · 70 m² | 9.5 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.
Similar companies · same sector, comparable size
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Dakwerken Maertens Mathieu
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DACHDECKEREI SCHWALL
BE 0728.617.874
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ALGEMENE DAKWERKEN ROUSSARD
BE 1002.354.646
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Of 8,563 companies in sector 43410 we hold annual accounts for 4,355. 3,118 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-08-2025
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
43230Insulation installation
43421Specialised construction activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.