LA COUARDE
ActiveSummary
The computed 12-month bankruptcy probability of LA COUARDE is 3.9% (moderate). The 2025 annual accounts show equity of €20k and a net result of €-3k. The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability17▲+1
Solvency36▼-1
Growth58
Track record94
Bankruptcy probability, 12 months
3.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity short (current ratio 0.76 against 0.77 in 2024; short-term debt: 88.9% and cash: 67.2% of total assets), and 89.1% of the assets are financed with debt.
Credit check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
Signals
Six 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 · 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
10.9%
Return on assets
-1.7%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
2425
2024 to 2025 · latest year €-3k
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 25-07-2026, 6 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
6 d early
2024
30 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-3k▲ 33.5%
2024 · €-5k
Working capital
€-40k▼ 6.8%
2024 · €-38k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20242025
Operating result€-5k-€-3k▲ 33.7%
Net result€-5k-€-3k▲ 33.5%
Equity€23k-€20k▼ 13.6%
Total assets€187k-€184k▼ 1.5%
Debt€164k-€164k▲ 0.2%
Working capital€-38k-€-40k▼ 6.8%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2025 against €5k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €184k
Fixed assets
€60k =
Current assets
€124k ▼ 2.0%
Equity and liabilities €184k
Equity
€20k ▼ 13.6%
Debt
€164k ▲ 0.2%
Debt's share of the balance-sheet total rises from 87.6% to 89.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-3k▲
2024 · €-4k
Cash flow
€-3k▲
2024 · €-4k
Current ratio
0.76▼
2024 · 0.77
Debt to equity
8.19▲
2024 · 7.06
ROE
-15.8%▲
2024 · -20.5%
ROA
-1.7%▲
2024 · -2.5%
Interest coverage
-38.34▲
2024 · -42.40
Debt ≤ 1 year
€164k=
2024 · €164k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €324 | €216 | ▼ 33.3% |
| Other operating charges640/8 | - | €927 | - |
| Gross operating margin9900 | €-4k | €-2k | ▲ 55.1% |
| Operating profit (loss)9901 | €-5k | €-3k | ▲ 33.7% |
| Financial charges65/66B | €102 | €75 | ▼ 26.7% |
| Recurring financial charges65 | €102 | €75 | ▼ 26.7% |
| Profit (loss) for the period before taxes9903 | €-5k | €-3k | ▲ 33.5% |
| Profit (loss) for the period9904 | €-5k | €-3k | ▲ 33.5% |
| Profit (loss) for the period to be appropriated9905 | €-5k | €-3k | ▲ 33.5% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €187k | €184k | ▼ 1.5% |
| Formation expenses20 | €755 | €540 | ▼ 28.6% |
| Fixed assets21/28 | €60k | €60k | = |
| Financial fixed assets28 | €60k | €60k | = |
| Current assets29/58 | €126k | €124k | ▼ 2.0% |
| Amounts receivable within one year40/41 | €104k | - | - |
| Other amounts receivable41 | €104k | - | - |
| Cash at bank and in hand54/58 | €22k | €124k | ▲ 451% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €187k | €184k | ▼ 1.5% |
| Equity10/15 | €23k | €20k | ▼ 13.6% |
| Contributions10/11 | €28k | €28k | = |
| Profit (loss) carried forward14 | €-5k | €-8k | ▼ 66.5% |
| Amounts payable17/49 | €164k | €164k | ▲ 0.2% |
| Amounts payable within one year42/48 | €164k | €164k | = |
| Other amounts payable47/48 | €164k | €164k | = |
| Accrued charges and deferred income492/3 | - | €400 | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €-5k | €-3k | ▲ 33.5% |
| + Depreciation and write-downs630 | €324 | €216 | ▼ 33.3% |
| Operating cash flow (approximation) | €-4k | €-3k | ▲ 33.5% |
| Investment in fixed assets (approximation) | - | €-216 | - |
| Change in cash | - | €101k | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
25-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 30 days late
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Mons · 1 establishment unit since 2023
Ground area
5,886 m²
Building footprint
957 m²
Volume, LiDAR
10,083 m³
Parcel 53404B0381/00H000, Wallonia · tallest building 13.2 m, ±4 floors. Linked by address, not a title deed.
20
companies at this address
See who is registered here
1 establishment unit
LA COUARDE
since 20232.350.640.788
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53404B0381/00H000 | Wallonia | 5,886 m² | 1 · 957 m² | 13.2 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Identification & contact
Identification
Legal formPrivate limited company
Founded18-07-2023
Fiscal year end31-12
Scores and ratios are computed by Checked and are not a credit decision.