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FIDUCIAIRE COSTERMANS

Active
Private limited companyfounded 2012active for 14 yearsStatiestraat (Dp) 32, 2920 Kalmthout, BelgiumKBO/BCE: BE 0848.549.565
Summary

FIDUCIAIRE COSTERMANS has been active since 2012 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €291,334 and a net result of €72,469. Equity has been growing by about 24% per year since 2019. Its solvency ranks better than 78% of 15,790 sector peers (NACE 69, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Overview

Official details

Source: KBO
Status
Active since 28-08-2012 Normal situation
Activity
Certified accountants and tax accountants NACE 69201
Establishment unit
2.213.490.807 2920 Kalmthout, since 28-08-2012
Financial year end
30 June
Peppol
Reachable since 31-08-2023

Board and ownership

Board
  • Costermans JorisDirector · since 28-08-2012

Financial position

96 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Annual accounts to 30-06-2025
Gross margin
€256,795
▲ 1.2%
Turnover
≈ €450,000
estimated
Profit
€72,469
▼ 1.3%
Equity
€291,334
▲ 33.1%
Total assets
€362,716
▲ 24.2%
Staff
≈ 1.8 FTE
estimated
Score breakdownlowers riskLiquidity: current ratio 4.29, cash €176,547Sector: Legal and accounting activities (NACE 69)Equity €291,334 (80.3% of total assets)Size: total assets €362,716Show the evidence

Checked score

Score 2025
96 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 67% of micro companies in legal and accounting (NACE 69)
Financial strength · tick: 2024
Strong
Solvency 100=
equity 80.3% of total assets
Liquidity 94+15
short-term debt 19.7% · cash 48.7%
Profitability 73+4
return on assets 20.0%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median < 0.1% (20,094 companies, NACE 69, micro)
Last 24 months 12-2024: < 0.1% 01-2025: < 0.1%● unchanged vs 12-2024highest value 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025 08-2025: < 0.1%● unchanged vs 07-2025 09-2025: < 0.1%● unchanged vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: < 0.1%● unchanged vs 06-2026lowest value 08-2026: < 0.1%● unchanged vs 07-2026lowest value 09-2026: < 0.1%● unchanged vs 08-2026 10-2026: < 0.1%● unchanged vs 09-2026 11-2026: < 0.1%● unchanged vs 10-2026
Credit of up to €25,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 4.29 (3.08 in 2024), above the usual 1.5. Short-term debt is 19.7% and cash 48.7% of total assets. 19.7% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 69, micro). It does better than 87% of them on solvency, 88% on liquidity, 23% on profitability and 73% on growth.

The bankruptcy probability was computed on 04-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskneutral
lowers risk · Liquidity: current ratio 4.29, cash €176,547
NBB · annual accounts
lowers risk · Sector: Legal and accounting activities (NACE 69)
KBO
lowers risk · Equity €291,334 (80.3% of total assets)
NBB · annual accounts
lowers risk · Size: total assets €362,716
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 07-01-2026, 24 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
24 days early
2024
23 days early
2023
29 days early
2022
46 days early
2021
41 days early
2020
46 days early
2019
29 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 34 days before the deadline. In the sector (NACE 69), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 2 January (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
30-06-2026 year end04-11-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
  • Positive: 7 profitable years in a rowprofit 2025: €72,469 7 years View
  • Higher gross margin than 88% of companies in legal and accountingsector median €72,261 · 15,788 companies €256,795 View
  • Positive: Equity rose in 2025from €218,866 to €291,334 ▲ 33.1% View

Recent changes

  1. · Gazette deed Dissolution · Director resignation
  2. · Gazette deed General meeting · Director resignation
  3. · Gazette deed General meeting · Director resignation
All 44 events

Comparable companies

These companies have the same main activity as FIDUCIAIRE COSTERMANS: certified accountants and tax accountants (NACE 69201). They are comparable in size and age: total assets between €331,000 and €392,000, founded between 2010 and 2014.

CompanyTotal assetsGross margin
FIDUCIAIRE COSTERMANS Kalmthout€362,716€256,795
BOEKHOUDKANTOOR VERHESEN Geel€376,540€274,694
Tomik accountancy Dessel€337,042€273,579
BOEKHOUDKANTOOR DE COCK & PARTNER Bornem€392,283€228,671
ACCOUNTANTSKANTOOR FILIP DE BOECK Bonheiden€331,009€224,230
B&H Accounts Sint-Agatha-Berchem€347,613€261,751
GMG OFFICE Wemmel€384,783€280,359
Full comparison

Key facts about FIDUCIAIRE COSTERMANS

What is the company number of FIDUCIAIRE COSTERMANS?
The company number of FIDUCIAIRE COSTERMANS is 0848.549.565. The VAT number is the same number with BE in front: BE 0848.549.565.
Where is FIDUCIAIRE COSTERMANS based?
The registered office is at Statiestraat (Dp) 32, 2920 Kalmthout.Company details
What does FIDUCIAIRE COSTERMANS do?
According to the KBO register, the main activity is certified accountants and tax accountants (NACE 69201).
What is the legal form of FIDUCIAIRE COSTERMANS?
The legal form of FIDUCIAIRE COSTERMANS is Private limited company (BV).
When was FIDUCIAIRE COSTERMANS founded?
FIDUCIAIRE COSTERMANS was founded on 28-08-2012.
Is FIDUCIAIRE COSTERMANS still active?
Yes, FIDUCIAIRE COSTERMANS is an active enterprise in the KBO register.
How many employees does FIDUCIAIRE COSTERMANS have?
FIDUCIAIRE COSTERMANS had an average of 2 full-time equivalents in financial year 2023, according to the filed annual accounts.Financials
What is the turnover of FIDUCIAIRE COSTERMANS?
The turnover in financial year 2025 is ≈ €450,000. This figure is estimated from the gross margin of €256,795 and 34 comparable companies (NACE 69201). It probably lies between €390,000 and €530,000.
Is FIDUCIAIRE COSTERMANS profitable?
In financial year 2025, FIDUCIAIRE COSTERMANS made a profit of €72,469.
Where can I find the annual accounts of FIDUCIAIRE COSTERMANS?
FIDUCIAIRE COSTERMANS filed 12 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of FIDUCIAIRE COSTERMANS due?
FIDUCIAIRE COSTERMANS must file the annual accounts for financial year 2026 by 31-01-2027.Timeline

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