Covet
ActiveCovet has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €95k and a net result of €12k. Its solvency ranks better than 90% of 7750 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83=
Solvency100=
Growth78
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 10.89 against 11.52 in 2024; short-term debt: 8.7% and cash: 25.3% of total assets), and 8.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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
91.3%
Return on assets
11.4%
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 06-07-2026, 25 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
25 d early
2024
51 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€95k▲ 14.3%
2024 · €83k
2024: €83k
2024 → 2025
Total assets
€104k▲ 15.1%
2024 · €90k
2024: €90k
2024 → 2025
Net result
€12k▲ 17.6%
2024 · €10k
2024: €10k
2024 → 2025
Working capital
€89k▲ 17.0%
2024 · €77k
2024: €77k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€83k-€95k▲ 14.3%
Operating result€16k-€19k▲ 19.5%
Net result€10k-€12k▲ 17.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 20% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €104k
Fixed assets
€5k▼ 17.2%
Current assets
€99k▲ 17.6%
Equity and liabilities €104k
Equity
€95k▲ 14.3%
Debt
€9k▲ 24.4%
The debt ratio rises from 8.1% to 8.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€21k▲
2024 · €18k
Cash flow
€14k▲
2024 · €12k
Solvency
91.3%▼
2024 · 91.9%
Current ratio
10.89▼
2024 · 11.52
Quick ratio
10.89▼
2024 · 11.52
Debt / equity
0.10▲
2024 · 0.09
ROE
12.5%▲
2024 · 12.2%
ROA
11.4%▲
2024 · 11.2%
Interest coverage
166.13▼
2024 · 203.66
Debt
€9k▲
2024 · €7k
Debt ≤ 1 year
€9k▲
2024 · €7k
Income taxes
€7k▲
2024 · €5k
Staff costs
€329
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€90k€104k▲
Fixed assets21/28€7k€5k▼
Tangible fixed assets22/27€7k€5k▼
Plant, machinery and equipment23€2k€2k▲
Furniture and vehicles24€5k€3k▼
Current assets29/58€84k€99k▲
Amounts receivable within one year40/41€9k€16k▲
Trade receivables40€9k€3k▼
Other amounts receivable41€217€13k▲
Current investments50/53€55k€55k=
Cash at bank and in hand54/58€17k€26k▲
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€90k€104k▲
Equity10/15€83k€95k▲
Contributions10/11€6k€6k=
Reserves13€77k€89k▲
Distributable reserves133€77k€89k▲
Amounts payable17/49€7k€9k▲
Amounts payable within one year42/48€7k€9k▲
Financial debts43€603€542▼
Credit institutions430/8€603€542▼
Trade debts44€3k€5k▲
Suppliers440/4€3k€5k▲
Taxes, remuneration and social security45€2k€4k▲
Taxes450/3€2k€4k▲
Other amounts payable47/48€2k-
Income statement
Code20242025
Remuneration, social security and pensions62-€329
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€20k€22k▲
Operating profit (loss)9901€16k€19k▲
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€87€126▲
Recurring financial charges65€87€126▲
Profit (loss) for the period before taxes9903€15k€18k▲
Income taxes67/77€5k€7k▲
Profit (loss) for the period9904€10k€12k▲
Profit (loss) for the period to be appropriated9905€10k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€10k€12k▲
Transfer from equity791/2€7k-
Transfer to equity691/2€8k€12k▲
To other reserves6921€8k€12k▲
Profit to be distributed694/7€9k-
Return on contributions (dividend)694€9k-
The notes to these accounts (5 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
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, Hamont-Achel · 1 establishment unit since 2017
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.
Balenhoek 49A3930 Hamont-AchelGround area
2,134 m²
Building footprint
414 m²
2 parcels, Flanders. Linked by address, not a title deed.
1 establishment unit
Covet
since 20172.268.885.626
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72012C0273/00W000 | Flanders | 1,099 m² | 1 · 171 m² | - |
| 72012C0273/00V000 | Flanders | 1,036 m² | 1 · 243 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 735 EUR awarded · 735 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 735 EUR | 735 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
64889N1XH11R9Q1B2M52
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Of 24,500 companies in sector 82990 we hold annual accounts for 9,404. 7,199 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-10-2017
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
90031Arts creation and performing arts activities
90111Literary creation
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.