DIDIER COURTOIS
ActiveThe computed 12-month bankruptcy probability of DIDIER COURTOIS is 4.3% (elevated). The 2025 annual accounts show negative equity (€-106k) and a net result of €-5k. Equity is shrinking by ~54.3% per year across the filed fiscal years. Its solvency ranks better than 5% of 27711 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
34
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability60▲+45
Solvency0=
Growth32=
Track record94
Bankruptcy probability, 12 months
4.3%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.42 against 0.4 in 2024; short-term debt: 190.8% and cash: 29.9% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 · 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
-161.4%
Return on assets
-7.4%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
2122232425
2021 to 2025 · latest year €-106k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-08-2026, 11 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 · 5 filingsDeviation from the deadline
2025
11 d late
2024
70 d late
2023
28 d late
2022
42 d late
2021
15 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-106k▼ 4.8%
2024 · €-101k
2021: €22k
2022: €-43k
2023: €-56k
2024: €-101k
2021 → 2025
Total assets
€65k▼ 35.3%
2024 · €101k
2021: €218k
2022: €178k
2023: €205k
2024: €101k
2021 → 2025
Net result
€-5k▲ 89.2%
2024 · €-45k
2021: €12k
2022: €-65k
2023: €-13k
2024: €-45k
2021 → 2025
Working capital
€-72k▲ 2.2%
2024 · €-74k
2021: €-14k
2022: €-41k
2023: €-40k
2024: €-74k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€22k-€-43k€-56k▼ 31.0%€-101k▼ 79.6%€-106k▼ 4.8%
Operating result€17k-€-61k€-5k▲ 92.5%€-38k▼ 728%€545
Net result€12k-€-65k€-13k▲ 79.6%€-45k▼ 237%€-5k▲ 89.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €545 after a loss of €38k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €65k
Fixed assets
€13k▼ 75.9%
Current assets
€53k▲ 8.0%
Key figures and ratios
EBITDA
€40k▲
2024 · €13k
Cash flow
€35k▲
2024 · €5k
Solvency
-161.4%▼
2024 · -99.7%
Current ratio
0.42▲
2024 · 0.40
Quick ratio
0.42▲
2024 · 0.40
Debt / equity
-1.62▲
2024 · -2.00
ROA
-7.4%▲
2024 · -44.2%
Interest coverage
7.39▲
2024 · 1.77
Debt
€171k▼
2024 · €202k
Debt ≤ 1 year
€125k▲
2024 · €123k
Debt > 1 year
€45k▼
2024 · €79k
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€101k€65k▼
Fixed assets21/28€52k€13k▼
Tangible fixed assets22/27€52k€13k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€49k€11k▼
Current assets29/58€49k€53k▲
Amounts receivable within one year40/41€26k€32k▲
Trade receivables40€23k€30k▲
Other amounts receivable41€2k€2k▼
Cash at bank and in hand54/58€22k€20k▼
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€101k€65k▼
Equity10/15€-101k€-106k▼
Contributions10/11€10k€10k=
Profit (loss) carried forward14€-111k€-116k▼
Amounts payable17/49€202k€171k▼
Amounts payable after more than one year17€79k€45k▼
Financial debts170/4€79k€45k▼
Amounts payable within one year42/48€123k€125k▲
Current portion of amounts payable after more than one year42€37k€34k▼
Trade debts44€40k€41k▲
Suppliers440/4€40k€41k▲
Advances received on contracts in progress46€2k-
Taxes, remuneration and social security45€3k€3k▲
Taxes450/3€3k€3k▲
Other amounts payable47/48€40k€47k▲
Accrued charges and deferred income492/3-€990
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€50k€40k▼
Other operating charges640/8€2k€8k▲
Gross operating margin9900€15k€48k▲
Operating profit (loss)9901€-38k€545▲
Financial income75/76B-€50
Recurring financial income75-€50
Financial charges65/66B€7k€5k▼
Recurring financial charges65€7k€5k▼
Profit (loss) for the period before taxes9903€-45k€-5k▲
Profit (loss) for the period9904€-45k€-5k▲
Profit (loss) for the period to be appropriated9905€-45k€-5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-111k€-116k▼
Profit (loss) brought forward from the previous period14P€-66k€-111k▼
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
11-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 11 days late
2025
09-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 70 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
11-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 42 days late
2022
31-12
Financial
Weakest financial yearnet €-65k ▼633%
Net result drops to €-65k, the lowest in the series; recovery starts the following year.
16-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Enghien · 1 establishment unit since 2021
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.
Menuqueraistraat(P.E.) 17850 EnghienGround area
2,982 m²
Building footprint
278 m²
Volume, LiDAR
1,426 m³
Parcel 55033C0327/00F000, Wallonia · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DIDIER COURTOIS SRL
since 20212.316.968.922
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55033C0327/00F000 | Wallonia | 2,982 m² | 1 · 278 m² | 8.0 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.
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LEBEAU-JORIS
BE 0875.431.334
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HUBERTY-LENNERTZ
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Of 8,563 companies in sector 43410 we hold annual accounts for 4,355. 3,111 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-03-2021
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress 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.