Equity
-€64,180
Debts exceed assets in financial year 2025.
Résidence Notre - Dame
Lifetime
20 annual accounts with figures on one time axis, 36 filings since 1990peak €311,042 (2011)
€14,252▼ 56.7%
lowest -€84,946 (2012)
-€17,233▼ €23,094
peak €145,364 (2011)
-€64,180▼ €17,233
€263,574▼ 0.3%
peak 4.8 FTE (2008)
-not published
Board2 names since 1999
1 directorBASTIEN Paul
Documentsfilings and deeds
15-06-202646 days before the deadline
2025micro format
Turnover from €51,720 to €45,435Gross margin from €32,933 to €14,252Loss of €17,233Equity from -€46,947 to -€64,180
Key points
from the 2025 annual accountsDebts
€263,574 111% of the balance sheet
Financial debts 52%Suppliers 2%Other 45%
Of this, €126,668 falls due within a year.
Payment terms
73 days to suppliers
Résidence Notre - Dame pays its suppliers 30 days earlier than in 2024. Customers pay 1 day later.
Checked score
53
Fair
Financially stronger than 17% of micro companies without a NACE code
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%
About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.0%
01-2025: 2.1%▲ +0.1 percentage points vs 12-2024
02-2025: 2.1%● unchanged vs 01-2025
03-2025: 2.1%● unchanged vs 02-2025
04-2025: 2.2%▲ +0.1 percentage points vs 03-2025
05-2025: 2.5%▲ +0.3 percentage points vs 04-2025
06-2025: 2.6%▲ +0.1 percentage points vs 05-2025highest value
07-2025: 2.0%▼ -0.6 percentage points vs 06-2025
08-2025: 2.0%● unchanged vs 07-2025
09-2025: 2.0%● unchanged vs 08-2025
10-2025: 2.0%● unchanged vs 09-2025
11-2025: 2.0%● unchanged vs 10-2025
12-2025: 2.0%● unchanged vs 11-2025
01-2026: 2.1%▲ +0.1 percentage points vs 12-2025
02-2026: 0.7%▼ -1.4 percentage points vs 01-2026lowest value
03-2026: 0.7%● unchanged vs 02-2026lowest value
04-2026: 0.7%● unchanged vs 03-2026
05-2026: 0.7%● unchanged vs 04-2026
06-2026: 0.8%▲ +0.1 percentage points vs 05-2026
07-2026: 0.8%● unchanged vs 06-2026
08-2026: 0.8%● unchanged vs 07-2026
09-2026: 0.8%● unchanged vs 08-2026
10-2026: 0.8%● unchanged vs 09-2026
11-2026: 0.8%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Loss of €17,233 (financial year 2025)
Negative equity -€64,180
lowers risk
Size: turnover €45,435, total assets €236,729
Founded in 1989
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 (no NACE code, micro). It does better than 5% of them on solvency, 13% on liquidity, 32% on profitability and 18% 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 low class on 30-06-2025, 0.8% 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, 2,796 companies had the same profile as Résidence Notre - Dame has now. Each dot stands for 7 companies, two years later.
90.4%
were still trading
6.0%
stopped another way
2.1%
went bankrupt
Another 1.4% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Résidence Notre - Dame itself: 0.8% 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 2,796 companies, not a prediction for Résidence Notre - Dame. 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
No credit on open account
Liquidity is insufficient, with a current ratio of 0.01 (0.0 in 2024), below 1. Short-term debt is 53.5% and cash 0.4% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€64,180
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 15-06-2026, 46 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
46 days early
2024
36 days early
2023
28 days early
2022
58 days late
2021
31 days early
2020
4 days early
2019
42 days early
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 7 accounts on average 18 days before the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were 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 30 June (4 of the last 5 accounts filed within 30 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
Recent changes
Changes of role: BASTIEN Paul (director) and PIERSON Chantal (director)
“L'achat, l'échange, la vente, la prise en location et en sous-location, ainsi que la cession en location et en…” (deed in French) · Director discharge: BASTIEN Paul · Director discharge: PIERSON Chantal · General meeting of 21-12-2023 · Gazette deed
First establishment
Rue de la Marcelle 156, Couvin
Incorporation
published on 18-10-1989 · Gazette deed
Official details
Source: KBO- Status
- Active since 18-09-1989Normal situation
- Activity
- “L'achat, l'échange, la vente, la prise en location et en sous-location, ainsi que la…” (deed in French)From the articles, 8 activitiesNo NACE code in the KBO yet
- Establishment unit
- 2.049.909.4135660 Couvin, since 25-10-1990
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Annual accounts 2025
- €236,729▼ 8.3%
- Filing
- Filed on 15-06-2026, 46 days before the end of the filing period
Insights on Résidence Notre - Dame
Résidence Notre - Dame files the micro format. That format states no turnover. The gross margin fell from €118,199 in 2006 to €14,252 in 2025.
The balance sheet grew most from 2011 to 2013 through fixed assets, financed with long-term debt.
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 Résidence Notre - Dame
- What is the company number of Résidence Notre - Dame?
- The company number of Résidence Notre - Dame is 0438.437.228. The VAT number is the same number with BE in front: BE 0438.437.228.
- Where is Résidence Notre - Dame based?
- The registered office is at Rue de la Marcelle 156, 5660 Couvin.Company details
- What is the legal form of Résidence Notre - Dame?
- Résidence Notre - Dame is a private limited company (BV).
- When was Résidence Notre - Dame founded?
- Résidence Notre - Dame was founded on 18-09-1989.
- Is Résidence Notre - Dame still active?
- Yes, Résidence Notre - Dame is an active enterprise in the KBO register.
- What is the turnover of Résidence Notre - Dame?
- The turnover of Résidence Notre - Dame was €45,435 in financial year 2025, according to the filed annual accounts.Financials
- Is Résidence Notre - Dame profitable?
- In financial year 2025, Résidence Notre - Dame made a loss of €17,233.
- Where can I find the annual accounts of Résidence Notre - Dame?
- Résidence Notre - Dame filed 36 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Résidence Notre - Dame due?
- Résidence Notre - Dame must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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