JACQUES COUSSENS
ActiveJACQUES COUSSENS has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €212k and a net result of €70k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 88% of 11297 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
94
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+19
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity ample (current ratio 8.49 against 2.13 in 2024; short-term debt: 11.5% and cash: 39.3% of total assets), and 11.5% 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
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
88.5%
Return on assets
29%
Age of the figures
9 mo
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €212k
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 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
28 d late
2023
15 d early
2022
55 d early
2021
11 d early
2020
33 d early
2019
45 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
€212k▲ 48.7%
2024 · €143k
2018: €-3k
2019: €-28k
2020: €16k
2021: €16k
2022: €16k
2023: €107k
2024: €143k
2018 → 2025
Total assets
€240k▼ 6.5%
2024 · €257k
2018: €121k
2019: €86k
2020: €89k
2021: €117k
2022: €89k
2023: €224k
2024: €257k
2018 → 2025
Net result
€70k▼ 42.8%
2024 · €122k
2018: €-8k
2019: €-25k
2020: €44k
2021: €87k
2022: €61k
2023: €187k
2024: €122k
2018 → 2025
Working capital
€207k▲ 60.9%
2024 · €128k
2018: €-105k
2019: €3k
2020: €26k
2021: €-27k
2022: €-16k
2023: €83k
2024: €128k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€16k-€16k=€107k▲ 572%€143k▲ 33.7%€212k▲ 48.7%
Operating result€122k-€87k▼ 28.0%€266k▲ 204%€173k▼ 34.8%€104k▼ 39.7%
Net result€87k-€61k▼ 30.2%€187k▲ 207%€122k▼ 34.8%€70k▼ 42.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 40% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €240k
Fixed assets
€6k▼ 59.7%
Current assets
€234k▼ 3.3%
Equity and liabilities €240k
Equity
€212k▲ 48.7%
Debt
€28k▼ 75.8%
The debt ratio falls from 44.4% to 11.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€113k▼
2024 · €186k
Cash flow
€78k▼
2024 · €135k
Solvency
88.5%▲
2024 · 55.6%
Current ratio
8.49▲
2024 · 2.13
Quick ratio
8.49▲
2024 · 2.13
Debt / equity
0.13▼
2024 · 0.80
ROE
32.8%▼
2024 · 85.2%
ROA
29.0%▼
2024 · 47.4%
Interest coverage
29.27▼
2024 · 40.28
Debt
€28k▼
2024 · €114k
Debt ≤ 1 year
€28k▼
2024 · €114k
Income taxes
€36k▼
2024 · €49k
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€257k€240k▼
Fixed assets21/28€14k€6k▼
Tangible fixed assets22/27€14k€6k▼
Land and buildings22€10k€3k▼
Furniture and vehicles24€4k€3k▼
Current assets29/58€242k€234k▼
Amounts receivable after more than one year29€38k€11k▼
Other amounts receivable291€38k€11k▼
Amounts receivable within one year40/41€29k€49k▲
Trade receivables40€25k€18k▼
Other amounts receivable41€5k€32k▲
Current investments50/53€12k€75k▲
Cash at bank and in hand54/58€158k€94k▼
Deferred charges and accrued income490/1€5k€5k▲
Equity and liabilities
Total equity and liabilities10/49€257k€240k▼
Equity10/15€143k€212k▲
Contributions10/11€13k€13k=
Reserves13€130k€200k▲
Distributable reserves133€130k€200k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€114k€28k▼
Amounts payable within one year42/48€114k€28k▼
Trade debts44€8k€11k▲
Suppliers440/4€8k€11k▲
Taxes, remuneration and social security45€46k€17k▼
Taxes450/3€46k€17k▼
Other amounts payable47/48€60k€0▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€9k▼
Other operating charges640/8€2k€2k=
Gross operating margin9900€189k€115k▼
Operating profit (loss)9901€173k€104k▼
Financial income75/76B€2k€5k▲
Recurring financial income75€2k€5k▲
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€171k€106k▼
Income taxes67/77€49k€36k▼
Profit (loss) for the period9904€122k€70k▼
Profit (loss) for the period to be appropriated9905€122k€70k▼
Appropriation of the result
Profit (loss) to be appropriated9906€122k€70k▼
Transfer to equity691/2€36k€70k▲
To other reserves6921€36k€70k▲
Profit to be distributed694/7€86k€0▼
Return on contributions (dividend)694€86k€0▼
The notes to these accounts (8 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity quadruplescurrent ratio 8.49
Current ratio from 2.13 to 8.49; short-term debt falls from €114k to €28k.
31-12
Financial
Equity above €200kEq €212k ▲48.7%
6 profitable years in a row build equity to €212k.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €187k ▲207%
Operating result €266k, net result €187k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 1.71
Current ratio from 0.78 to 1.71.
31-12
Financial
Equity above €100kEq €107k ▲572%
4 profitable years in a row build equity to €107k.
06-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €44k
Net result €44k after 2 loss-making years.
31-12
Financial
Liquidity quadruplescurrent ratio 5.29
Current ratio from 1.22 to 5.29; short-term debt falls from €14k to €6k.
16-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-25k
Net result drops to €-25k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 8current ratio 1.22
Current ratio from 0.16 to 1.22; short-term debt falls from €125k to €14k.
22-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Oostrozebeke · 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.
Rozenbergstraat 218780 OostrozebekeGround area
1,169 m²
Building footprint
260 m²
Volume, LiDAR
1,314 m³
Parcel 37010E0213/00A002, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Jacques Coussens
since 20072.159.339.863
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37010E0213/00A002 | Flanders | 1,169 m² | 1 · 260 m² | 8.1 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
SOMEP
BE 0843.831.209
Vorst · Eq €211k
YOUL
BE 0874.058.486
Nivelles · Eq €213k
CP Trucks & Machinery
BE 0637.989.982
Antwerpen · Eq €214k
MLM Promotions
BE 0761.537.694
Brugge · Eq €211k
ESPACE CHASSIS ET VERANDAS
BE 0464.959.602
Wavre · Eq €211k
Of 4,422 companies in sector 46180 we hold annual accounts for 1,886. 1,348 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-01-2007
Fiscal year end31-12
Activities, NACEBEL
46180Agents specialised in the wholesale of other particular products
51180
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.