Equity
€8.1m ▲ 2.7%
O. COCQUYT paid out €2.5m in dividends. That is 92% of the 2025 profit.
O. COCQUYT
Lifetime
20 annual accounts with figures on one time axis, 49 filings since 1977peak €65.4m (2024)
€63.5m▼ 2.8%
peak €3.1m (2023)
€2.7m▼ 9.8%
peak €9.5m (2022)
€8.1m▲ 2.7%
€11.1m▼ 26.4%
peak 42.8 FTE (2025)
42.8 FTE▲ 7.8%
Board9 names since 2015
2 directorsCARPLAN and 1 other
Owners3 names in the annual accounts
100%CARPLAN
Documentsfilings and deeds
15-07-202616 days before the deadline
2025financial year
New director 03-03Appointment: BV AVISOR (statutory auditor) 08-01Dividend €2.5mDebts from €15.0m to €11.1mCash from €275,734 to €521,287
Key points
from the 2025 annual accountsInvestments
€28,319 0.0 × depreciation
Green is investment, beige is depreciation.
Staff
47 employees on 31-12-2025
In 2025, 22 people joined and 10 left.
Payment terms
39 days to suppliers
O. COCQUYT pays its suppliers 14 days later than in 2024. Customers pay 15 days later.
Filings
49 annual accounts since 1977
Five of the last ten came late. The 2023 accounts came latest: 140 days after the end of the period.
Position in the sector
€2.7m
Higher net result than 95% of companies in repair of computers and personal goods. Sector median €52,150 · 484 companies.
Checked score
86
Excellent
Financially stronger than 49% of small companies in repair of computers and personal goods (NACE 95)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.4% across 327 companies (NACE 95, small).
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.5%highest value
01-2025: 0.2%▼ -0.3 percentage points vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025lowest value
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.2%● unchanged vs 06-2025
08-2025: 0.4%▲ +0.2 percentage points vs 07-2025
09-2025: 0.4%● unchanged vs 08-2025
10-2025: 0.4%● unchanged vs 09-2025
11-2025: 0.4%● unchanged vs 10-2025
12-2025: 0.4%● unchanged vs 11-2025
01-2026: 0.4%● unchanged vs 12-2025
02-2026: 0.4%● unchanged vs 01-2026
03-2026: 0.4%● unchanged vs 02-2026
04-2026: 0.4%● unchanged vs 03-2026
05-2026: 0.4%● unchanged vs 04-2026
06-2026: 0.4%● unchanged vs 05-2026
07-2026: 0.4%● unchanged vs 06-2026
08-2026: 0.3%▼ -0.1 percentage points vs 07-2026
09-2026: 0.3%● unchanged vs 08-2026
10-2026: 0.3%● unchanged vs 09-2026
11-2026: 0.3%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Liquidity: current ratio 1.48, cash €521,287
1 of the last 3 accounts late
lowers risk
Founded in 1973
Profit of €2.7m (financial year 2025)
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 95, small). It does better than 62% of them on solvency, 34% on liquidity, 60% on profitability and 42% on growth.
The bankruptcy probability was computed on 07-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 20,137 companies had the same profile as O. COCQUYT has now. Each dot stands for 51 companies, two years later.
95.0%
were still trading
4.7%
stopped another way
0.2%
went bankrupt
That fits the bankruptcy probability of O. COCQUYT itself: 0.3% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 20,137 companies, not a prediction for O. COCQUYT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €650,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.48 (1.32 in 2024), below the usual 1.5. Short-term debt is 50.5% and cash 2.7% of total assets. 58.5% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 days early
2024
9 days early
2023
140 days late
2022
31 days late
2021
19 days early
2020
2 days late
2019
20 days late
← 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 21 days after the deadline. In the sector (NACE 95), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 22 July (4 of the last 5 accounts filed within 40 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
08-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- CARPLAN 100%equity €46.1m (2025) · 2025 annual accounts of CARPLAN
- AUTO-INVEST BRUGGE 99%equity €4.1m (2022) · 2022 annual accounts of AUTO-INVEST BRUGGE
- CLEMENTINE COCQUYT 38%equity €7.5m (2025) · 30-06-2023 annual accounts of CLEMENTINE COCQUYT
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0413112904
New director
NV ALL AUTOMOBIL SERVICES appointed, Leen Desmet resigned · Permanent representative: Leen Desmet · Director discharge: Leen Desmet (director (not named in the articles)) · General meeting of 04-02-2025 · Gazette deed
Appointment: BV AVISOR (statutory auditor)
Permanent representative: Vandenborre Bernard · General meeting of 29-11-2024 · Gazette deed
2 directors appointed, 2 resignations
Change of role: BV Clementine Cocquyt, from managing director to day-to-day manager · Resignations: Hubertina Sayoen and David Marrécau · Appointments: CARPLAN (managing director) and Leen DESMET · General meeting of 21-12-2023 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| O. COCQUYT Bruges | €63.5m | 5.7% | 41.5% | 42.8 |
| De Smet Brussels Halle | €51.3m | 1.5% | 15.4% | 45.3 |
| Van Mossel RDN Kuurne | €79.4m | -0.9% | 10.6% | 57.9 |
| MS MOTOR Marche-en-Famenne | €56.5m | 3.2% | 19.3% | 49.5 |
| VANSPRINGEL AUTOMOBILES Sint-Gillis (bij-Brussel) | €45.1m | 0.4% | 7.1% | 51.3 |
| TOP MOTORS OUDENAARDE Oudenaarde | €52.5m | 2.4% | 16.1% | 37.2 |
| ROGIERS DENDERMONDE Dendermonde | €33.6m | 2.4% | 22.1% | 37.9 |
Grey: the largest companies of the sector (repair of computers and personal goods (NACE 95)), without their names. Blue: the sector peers from the table.
These companies have the same main activity as O. COCQUYT: general maintenance and repair of cars and light vans (up to 3.5 tonnes) (NACE 95311). They are comparable in size and age: total assets between €14m and €24m, founded between 1974 and 1984.
Official details
Source: KBO- Status
- Active since 26-04-1973Normal situation
- Activity
- General maintenance and repair of cars and light vans (up to 3.5 tonnes)NACE 95311and 1 other
- Joint committees
- 200Auxiliary committee for white-collar workers
- 112Garages · annual accounts 2023
- Establishment unit
- 2.008.300.8668200 Bruges, since 01-06-1973
- Financial year end
- 31 December
- Peppol
- Reachable since 24-11-2025
Annual accounts 2025
- €19.4m▼ 16.3%
- Employeeson 31-12-2025
- 47▲ 14.6%
- Filing
- Filed on 15-07-2026, 16 days before the end of the filing period
Insights on O. COCQUYT
O. COCQUYT has existed since 1973. Turnover grew from €15.4m in 2006 to €63.5m in 2025 and staff from 18.2 to 42.8 full-time equivalents.
Solvency rose in 2025 from 33.8% to 41.5% because of lower debts.
CARPLAN holds all the shares. In February 2024, three directors stepped down. In February 2024, the Official Gazette published the appointment of CARPLAN as managing director.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about O. COCQUYT
- What is the company number of O. COCQUYT?
- The company number of O. COCQUYT is 0413.112.904. The VAT number is the same number with BE in front: BE 0413.112.904.
- Where is O. COCQUYT based?
- The registered office is at Waggelwater 27, 8200 Bruges.Company details
- What does O. COCQUYT do?
- According to the KBO register, the main activity is general maintenance and repair of cars and light vans (up to 3.5 tonnes) (NACE 95311).
- What is the legal form of O. COCQUYT?
- O. COCQUYT is a public limited company (NV).
- When was O. COCQUYT founded?
- O. COCQUYT was founded on 26-04-1973.
- Is O. COCQUYT still active?
- Yes, O. COCQUYT is an active enterprise in the KBO register.
- How many employees does O. COCQUYT have?
- O. COCQUYT had an average of 42.8 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does O. COCQUYT fall under?
- In its 2023 annual accounts, O. COCQUYT states joint committees 200 (Auxiliary committee for white-collar workers) and 112 (Garages).
- What is the turnover of O. COCQUYT?
- The turnover of O. COCQUYT was €63.5m in financial year 2025, according to the filed annual accounts.
- Is O. COCQUYT profitable?
- In financial year 2025, O. COCQUYT made a profit of €2.7m.
- Where can I find the annual accounts of O. COCQUYT?
- O. COCQUYT filed 49 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of O. COCQUYT due?
- O. COCQUYT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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