Roger Cools
ActiveRoger Cools has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.38M and a net result of €142k. Equity is growing by ~4.3% per year across the filed fiscal years. Its solvency ranks better than 95% of 4844 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▲+1
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €280k at 30 days acceptable
Liquidity ample (current ratio 11.54 against 8.39 in 2024; short-term debt: 3.8% and cash: 18.8% of total assets), and 5.5% 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 · 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
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
94.5%
Return on assets
4%
Age of the figures
9 mo
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 →
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
16 d early
2023
7 d late
2022
21 d late
2021
5 d early
2020
3 d early
2019
53 d late
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€142k▲ 13.0%
2024 · €126k
2018: €206k
2019: €226k
2020: €142k
2021: €134k
2022: €69k
2023: €136k
2024: €126k
2018 → 2025
Working capital
€1.42M▼ 27.3%
2024 · €1.95M
2018: €1.76M
2019: €1.94M
2020: €2.13M
2021: €2.27M
2022: €2.27M
2023: €2.20M
2024: €1.95M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.91M-€2.98M▲ 2.4%€3.12M▲ 4.6%€3.24M▲ 4.0%€3.38M▲ 4.4%
Operating result€181k-€79k▼ 56.3%€207k▲ 161%€186k▼ 9.8%€210k▲ 12.6%
Net result€134k-€69k▼ 48.5%€136k▲ 98.2%€126k▼ 7.6%€142k▲ 13.0%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 13% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.58M
Fixed assets
€2.03M▲ 43.7%
Current assets
€1.55M▼ 29.9%
Equity and liabilities €3.58M
Equity
€3.38M▲ 4.4%
Provisions
€62k▲ 6.9%
Debt
€135k▼ 59.0%
The debt ratio falls from 9.0% to 3.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€324k▲
2024 · €298k
Cash flow
€256k▲
2024 · €237k
Solvency
94.5%▲
2024 · 89.4%
Current ratio
11.54▲
2024 · 8.39
Quick ratio
6.30▲
2024 · 5.87
Debt / equity
0.04▼
2024 · 0.10
ROE
4.2%▲
2024 · 3.9%
ROA
4.0%▲
2024 · 3.5%
Interest coverage
93.06▲
2024 · 63.44
Debt
€135k▼
2024 · €328k
Debt ≤ 1 year
€135k▼
2024 · €264k
Income taxes
€64k▲
2024 · €56k
Staff costs
€716k▲
2024 · €682k
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€3.63M€3.58M▼
Fixed assets21/28€1.41M€2.03M▲
Tangible fixed assets22/27€1.41M€2.03M▲
Land and buildings22€1.30M€1.93M▲
Plant, machinery and equipment23€48k€50k▲
Furniture and vehicles24€65k€45k▼
Current assets29/58€2.22M€1.55M▼
Stocks and contracts in progress3€667k€706k▲
Stocks30/36€667k€706k▲
Amounts receivable within one year40/41€367k€176k▼
Trade receivables40€303k€156k▼
Other amounts receivable41€64k€20k▼
Cash at bank and in hand54/58€1.18M€672k▼
Equity and liabilities
Total equity and liabilities10/49€3.63M€3.58M▼
Equity10/15€3.24M€3.38M▲
Contributions10/11€300k€300k=
Capital10€300k€300k=
Issued capital100€300k€300k=
Reserves13€2.94M€3.08M▲
Non-distributable reserves130/1€312k€455k▲
Legal reserve130€50k€50k=
Other1319€262k€405k▲
Tax-exempt reserves132€70k€70k=
Distributable reserves133€2.56M€2.56M=
Provisions and deferred taxes16€58k€62k▲
Provisions for liabilities and charges160/5€58k€62k▲
Pensions and similar obligations160€58k€62k▲
Amounts payable17/49€328k€135k▼
Amounts payable after more than one year17€64k-
Financial debts170/4€64k-
Amounts payable within one year42/48€264k€135k▼
Current portion of amounts payable after more than one year42€75k€64k▼
Trade debts44€90k€5k▼
Suppliers440/4€90k€5k▼
Taxes, remuneration and social security45€51k€4k▼
Taxes450/3€51k€4k▼
Other amounts payable47/48€48k€62k▲
Income statement
Code20242025
Remuneration, social security and pensions62€682k€716k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€111k€114k▲
Other operating charges640/8€52k€28k▼
Gross operating margin9900€1.03M€1.07M▲
Operating profit (loss)9901€186k€210k▲
Financial charges65/66B€5k€3k▼
Recurring financial charges65€5k€3k▼
Profit (loss) for the period before taxes9903€182k€206k▲
Income taxes67/77€56k€64k▲
Profit (loss) for the period9904€126k€142k▲
Profit (loss) for the period to be appropriated9905€126k€142k▲
Appropriation of the result
Profit (loss) to be appropriated9906€126k€142k▲
Transfer to equity691/2€126k€142k▲
To other reserves6921€126k€142k▲
Social balance
Average headcount (FTE)90878.79.3▲
The notes to these accounts (4 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
07-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 7 days late
2023
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 21 days late
2022
31-12
Financial
Weakest financial yearnet €69k ▼48.5%
Net result drops to €69k, the lowest in the series; recovery starts the following year.
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Liquidity triplescurrent ratio 32.42
Current ratio from 9.51 to 32.42; short-term debt falls from €250k to €72k.
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
22-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 53 days late
2019
31-12
Financial
Highest result since 2018net €226k ▲9.7%
Operating result €322k, net result €226k, both a record.
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 14 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 27 days late
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 acts for this company are 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, Brugge · 1 establishment unit since 1992
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.
Oostendse Steenweg 2598000 BruggeGround area
1,780 m²
Building footprint
46 m²
Volume, LiDAR
124 m³
Parcel 31808L0058/00V000, Flanders · tallest building 3.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
ROGER COOLS NV
since 19922.059.822.219
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31808L0058/00V000 | Flanders | 1,780 m² | 1 · 46 m² | 3.3 m · 1 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 2,128 companies in sector 46711 we hold annual accounts for 1,126. 367 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded28-10-1992
Fiscal year end31-12
Activities, NACEBEL
46711Wholesale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
50101
50200
47811Retail sale of cars and light vans (up to 3.5 tonnes)
50103
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.