LA COUMAYE
ActiveThe computed 12-month bankruptcy probability of LA COUMAYE is 4.0% (moderate). For LA COUMAYE, at least two filing cycles of the annual accounts are missing. The 2022 annual accounts show negative equity (€-32k) and a net result of €7k. Equity is shrinking by ~41.6% per year across the filed fiscal years. Its solvency ranks better than 9% of 16709 sector peers (fiscal year 2022). The company has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
No current score
Figures too old
The available figures for FY 2022 are too old to assess current financial health.
Filing: At least two filing cycles are missing
Axes, FY 2022 · tick = 2021
Profitability84▲+80
Solvency0=
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
4.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
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 2022Solvency, return and age of the figures
Solvency
-131.7%
Return on assets
30.3%
Age of the figures
45 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 · Two or more financial years not filed
Since the financial year that closed on 31-12-2023, 3 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 10 filingsPosition against the passed deadline
31-12-2023 close31-07-2024 deadline21-09-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2022 was due by 31-07-2023 and was filed on 17-08-2023, 17 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
not filed
2022
17 d late
2021
2 d late
2020
30 d late
2019
19 d late
← before the deadline
after the deadline →
Financials · fiscal year 2022, micro schema
Equity
€-32k▲ 18.7%
2021 · €-39k
2018: €20k
2019: €7k
2020: €-37k
2021: €-39k
2018 → 2022
Total assets
€24k▲ 14.9%
2021 · €21k
2018: €55k
2019: €22k
2020: €16k
2021: €21k
2018 → 2022
Net result
€7k
2021 · €-2k
2018: €847
2019: €-13k
2020: €-44k
2021: €-2k
2018 → 2022
Working capital
€-25k▼ 3.5%
2021 · €-24k
2018: €28k
2019: €-4k
2020: €-14k
2021: €-24k
2018 → 2022
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20182019202020212022Trend
Equity€20k-€7k▼ 65.2%€-37k€-39k▼ 6.5%€-32k▲ 18.7%
Operating result€-3k-€-10k▼ 255%€-52k▼ 414%€-22k▲ 58.3%€10k
Net result€847-€-13k€-44k▼ 228%€-2k▲ 94.5%€7k
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 2022: €10k after a loss of €22k in 2021, the highest result in the available series.
Balance-sheet composition
2022 in colour, 2021 as the grey bar beneath
Assets €24k
Fixed assets
€9k▼ 8.3%
Current assets
€15k▲ 34.2%
Key figures and ratios
EBITDA
€11k▲
2021 · €-21k
Cash flow
€8k▲
2021 · €-2k
Solvency
-131.7%▲
2021 · -186.2%
Current ratio
0.38▲
2021 · 0.32
Quick ratio
0.28▲
2021 · 0.24
Debt / equity
-1.76▼
2021 · -1.54
ROA
30.3%▲
2021 · -11.4%
Interest coverage
4.07▲
2021 · -7.97
Debt
€56k▼
2021 · €60k
Debt ≤ 1 year
€40k▲
2021 · €36k
Debt > 1 year
€16k▼
2021 · €24k
Staff costs
€32k▲
2021 · €21k
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 · 2022 against 2021
Balance sheet
Code20212022
Assets
Total assets20/58€21k€24k▲
Fixed assets21/28€10k€9k▼
Tangible fixed assets22/27€6k€5k▼
Plant, machinery and equipment23€6k€5k▼
Financial fixed assets28€4k€4k=
Current assets29/58€11k€15k▲
Stocks and contracts in progress3€3k€4k▲
Stocks30/36€3k€4k▲
Amounts receivable within one year40/41€521€304▼
Other amounts receivable41€521€304▼
Cash at bank and in hand54/58€7k€10k▲
Deferred charges and accrued income490/1€1k€528▼
Equity and liabilities
Total equity and liabilities10/49€21k€24k▲
Equity10/15€-39k€-32k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-60k€-52k▲
Amounts payable17/49€60k€56k▼
Amounts payable after more than one year17€24k€16k▼
Financial debts170/4€24k€16k▼
Amounts payable within one year42/48€36k€40k▲
Current portion of amounts payable after more than one year42€8k€9k▲
Financial debts43-€5k
Credit institutions430/8-€5k
Trade debts44€1k€3k▲
Suppliers440/4€1k€3k▲
Taxes, remuneration and social security45€10k€14k▲
Taxes450/3€7k€10k▲
Remuneration and social security454/9€4k€4k▲
Other amounts payable47/48€15k€9k▼
Accrued charges and deferred income492/3€223-
Income statement
Code20212022
Remuneration, social security and pensions62€21k€32k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€794€794=
Other operating charges640/8€5k€2k▼
Gross operating margin9900€6k€44k▲
Operating profit (loss)9901€-22k€10k▲
Financial income75/76B€22k-
Recurring financial income75€22k-
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€-2k€7k▲
Profit (loss) for the period9904€-2k€7k▲
Profit (loss) for the period to be appropriated9905€-2k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-60k€-52k▲
Profit (loss) brought forward from the previous period14P€-57k€-60k▼
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
2023
17-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
2022
31-12
Financial
Back to profitnet €7k
Net result €7k after 3 loss-making years.
02-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Weakest financial yearnet €-44k
Net result drops to €-44k, the lowest in the series; recovery starts the following year.
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 19 days late
2019
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
2016
25-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 25 days late
2015
30-06
NBB filing
Annual accounts filed
fiscal year 2014 · full schema
2014
28-07
NBB filing
Annual accounts filed
fiscal year 2013 · full 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, Namur · 1 establishment unit since 2000
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.
Chaussée de Charleroi 165000 NamurGround area
5,101 m²
Building footprint
2,144 m²
Volume, LiDAR
16,633 m³
Parcel 92302G0132/00C002, Wallonia · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
TAVERNE LA COUMAYE
since 20002.100.908.449
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92302G0132/00C002 | Wallonia | 5,101 m² | 1 · 2,144 m² | 11.2 m · 3 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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Of 14,023 companies in sector 56301 we hold annual accounts for 4,893. 3,183 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded23-06-2000
Fiscal year end31-12
Activities, NACEBEL
55401
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 22 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.