JEAN-LUC COTTYN
ActiveSummary
JEAN-LUC COTTYN has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €121k and a net result of €14k. Equity is growing by ~28.8% per year across the filed fiscal years. Its solvency ranks better than 93% of 12738 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability82▼-7
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 14.53 against 33.88 in 2024; short-term debt: 6% and cash: 84.8% of total assets), and 7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
93%
Return on assets
10.8%
Age of the figures
9 mo
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 20-05-2026, 72 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
72 d early
2024
52 d early
2023
51 d early
2022
54 d early
2021
58 d early
2020
53 d early
2019
46 d early
← 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, micro schema
Equity
€121k▲ 6.6%
2024 · €113k
2018: €17klowest in 8 years
2019: €19k▲ +8.6% vs 2018
2020: €25k▲ +29.4% vs 2019
2021: €51k▲ +106% vs 2020
2022: €75k▲ +47.3% vs 2021
2023: €94k▲ +26.5% vs 2022
2024: €113k▲ +20.2% vs 2023
2025: €121k▲ +6.6% vs 2024highest in 8 years
2018 → 2025
Total assets
€130k▲ 11.1%
2024 · €117k
2018: €23k
2019: €21k▼ -8.5% vs 2018lowest in 8 years
2020: €27k▲ +28.8% vs 2019
2021: €62k▲ +134% vs 2020
2022: €75k▲ +21.5% vs 2021
2023: €99k▲ +31.4% vs 2022
2024: €117k▲ +18.1% vs 2023
2025: €130k▲ +11.1% vs 2024highest in 8 years
2018 → 2025
Net result
€14k▼ 26.4%
2024 · €19k
2018: €4k
2019: €2k▼ -62.7% vs 2018lowest in 8 years
2020: €6k▲ +271% vs 2019
2021: €26k▲ +368% vs 2020highest in 8 years
2022: €24k▼ -8.2% vs 2021
2023: €20k▼ -17.4% vs 2022
2024: €19k▼ -3.7% vs 2023
2025: €14k▼ -26.4% vs 2024
2018 → 2025
Working capital
€106k▲ 18.4%
2024 · €90k
2018: €15klowest in 8 years
2019: €18k▲ +17.3% vs 2018
2020: €24k▲ +34.6% vs 2019
2021: €46k▲ +93.4% vs 2020
2022: €54k▲ +17.1% vs 2021
2023: €64k▲ +17.5% vs 2022
2024: €90k▲ +40.5% vs 2023
2025: €106k▲ +18.4% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€51k-€75k▲ 47.3%€94k▲ 26.5%€113k▲ 20.2%€121k▲ 6.6%
2021: €51klowest in 5 years
2022: €75k▲ +47.3% vs 2021
2023: €94k▲ +26.5% vs 2022
2024: €113k▲ +20.2% vs 2023
2025: €121k▲ +6.6% vs 2024highest in 5 years
Operating result€39k-€35k▼ 10.1%€30k▼ 15.8%€29k▼ 1.8%€22k▼ 23.5%
2021: €39khighest in 5 years
2022: €35k▼ -10.1% vs 2021
2023: €30k▼ -15.8% vs 2022
2024: €29k▼ -1.8% vs 2023
2025: €22k▼ -23.5% vs 2024lowest in 5 years
Net result€26k-€24k▼ 8.2%€20k▼ 17.4%€19k▼ 3.7%€14k▼ 26.4%
2021: €26khighest in 5 years
2022: €24k▼ -8.2% vs 2021
2023: €20k▼ -17.4% vs 2022
2024: €19k▼ -3.7% vs 2023
2025: €14k▼ -26.4% vs 2024lowest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 23% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €130k
Fixed assets
€16k ▼ 34.8%
Current assets
€114k ▲ 23.4%
Equity and liabilities €130k
Equity
€121k ▲ 6.6%
Debt
€9k ▲ 150%
Debt's share of the balance-sheet total rises from 3.1% to 7.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€31k▼
2024 · €37k
Cash flow
€23k▼
2024 · €27k
Current ratio
14.53▼
2024 · 33.88
Debt to equity
0.08▲
2024 · 0.03
ROE
11.6%▼
2024 · 16.8%
ROA
10.8%▼
2024 · 16.3%
Interest coverage
55.93▼
2024 · 81.26
Debt ≤ 1 year
€8k▲
2024 · €3k
Income taxes
€8k▼
2024 · €10k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€117k€130k▲
Fixed assets21/28€25k€16k▼
Tangible fixed assets22/27€25k€16k▼
Plant, machinery and equipment23€6k€4k▼
Furniture and vehicles24€19k€13k▼
Current assets29/58€92k€114k▲
Amounts receivable within one year40/41€2k€2k▲
Other amounts receivable41€2k€2k▲
Cash at bank and in hand54/58€91k€110k▲
Deferred charges and accrued income490/1€46€1k▲
Equity and liabilities
Total equity and liabilities10/49€117k€130k▲
Equity10/15€113k€121k▲
Contributions10/11€12k€12k=
Reserves13€101k€109k▲
Distributable reserves133€101k€109k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€4k€9k▲
Amounts payable within one year42/48€3k€8k▲
Trade debts44-€215
Suppliers440/4-€215
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€3k€3k▲
Taxes450/3€3k€3k▲
Other amounts payable47/48-€5k
Accrued charges and deferred income492/3€935€1k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€9k▲
Other operating charges640/8€156€128▼
Gross operating margin9900€38k€31k▼
Operating profit (loss)9901€29k€22k▼
Financial income75/76B€12€15▲
Recurring financial income75€12€15▲
Financial charges65/66B€461€553▲
Recurring financial charges65€461€553▲
Profit (loss) for the period before taxes9903€29k€22k▼
Income taxes67/77€10k€8k▼
Profit (loss) for the period9904€19k€14k▼
Profit (loss) for the period to be appropriated9905€19k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€19k€14k▼
Transfer from equity791/2-€7k
Transfer to equity691/2€19k€14k▼
To other reserves6921€19k€14k▼
Profit to be distributed694/7-€7k
Return on contributions (dividend)694-€7k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €797 | €2k | €8k | €8k | €9k | ▲ 3.5% |
| Other operating charges640/8 | €231 | €222 | €175 | €156 | €128 | ▼ 17.9% |
| Non-recurring operating charges66A | - | €349 | €0 | - | - | - |
| Gross operating margin9900 | €40k | €37k | €37k | €38k | €31k | ▼ 17.5% |
| Operating profit (loss)9901 | €39k | €35k | €30k | €29k | €22k | ▼ 23.5% |
| Financial income75/76B | €1 | €1 | €10 | €12 | €15 | ▲ 25.5% |
| Recurring financial income75 | €1 | €1 | €10 | €12 | €15 | ▲ 25.5% |
| Financial charges65/66B | €364 | €417 | €460 | €461 | €553 | ▲ 19.9% |
| Recurring financial charges65 | €364 | €417 | €460 | €461 | €553 | ▲ 19.9% |
| Profit (loss) for the period before taxes9903 | €39k | €35k | €29k | €29k | €22k | ▼ 24.2% |
| Income taxes67/77 | €13k | €11k | €9k | €10k | €8k | ▼ 19.8% |
| Profit (loss) for the period9904 | €26k | €24k | €20k | €19k | €14k | ▼ 26.4% |
| Profit (loss) for the period to be appropriated9905 | €26k | €24k | €20k | €19k | €14k | ▼ 26.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €62k | €75k | €99k | €117k | €130k | ▲ 11.1% |
| Fixed assets21/28 | €5k | €21k | €32k | €25k | €16k | ▼ 34.8% |
| Tangible fixed assets22/27 | €5k | €21k | €32k | €25k | €16k | ▼ 34.8% |
| Plant, machinery and equipment23 | €4k | €3k | €8k | €6k | €4k | ▼ 38.5% |
| Furniture and vehicles24 | €1k | €18k | €24k | €19k | €13k | ▼ 33.6% |
| Current assets29/58 | €57k | €54k | €68k | €92k | €114k | ▲ 23.4% |
| Amounts receivable within one year40/41 | €652 | €4k | €2k | €2k | €2k | ▲ 43.3% |
| Other amounts receivable41 | €652 | €4k | €2k | €2k | €2k | ▲ 43.3% |
| Cash at bank and in hand54/58 | €56k | €50k | €64k | €91k | €110k | ▲ 21.6% |
| Deferred charges and accrued income490/1 | €933 | €1k | €1k | €46 | €1k | ▲ 2,711% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €62k | €75k | €99k | €117k | €130k | ▲ 11.1% |
| Equity10/15 | €51k | €75k | €94k | €113k | €121k | ▲ 6.6% |
| Contributions10/11 | €12k | €12k | €12k | €12k | €12k | = |
| Reserves13 | €38k | €62k | €82k | €101k | €109k | ▲ 7.4% |
| Non-distributable reserves130/1 | €0 | - | - | - | - | - |
| Reserves not available under the articles1311 | €0 | - | - | - | - | - |
| Distributable reserves133 | €38k | €62k | €82k | €101k | €109k | ▲ 7.4% |
| Profit (loss) carried forward14 | - | - | - | - | €0 | - |
| Amounts payable17/49 | €11k | €855 | €5k | €4k | €9k | ▲ 150% |
| Amounts payable within one year42/48 | €11k | €0 | €4k | €3k | €8k | ▲ 188% |
| Trade debts44 | €255 | €0 | - | - | €215 | - |
| Suppliers440/4 | €255 | €0 | - | - | €215 | - |
| Advances received on contracts in progress46 | - | - | €1k | €0 | - | - |
| Taxes, remuneration and social security45 | €11k | €0 | €3k | €3k | €3k | ▲ 1.4% |
| Taxes450/3 | €11k | €0 | €3k | €3k | €3k | ▲ 1.4% |
| Other amounts payable47/48 | - | - | - | - | €5k | - |
| Accrued charges and deferred income492/3 | €480 | €855 | €909 | €935 | €1k | ▲ 41.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €26k | €24k | €20k | €19k | €14k | ▼ 26.4% |
| + Depreciation and write-downs630 | €797 | €2k | €8k | €8k | €9k | ▲ 3.5% |
| Operating cash flow (approximation) | €27k | €26k | €27k | €27k | €23k | ▼ 17.3% |
| Investment in fixed assets (approximation) | - | €-18k | €-18k | €-2k | €0 | ▲ 100% |
| Change in cash | - | €-6k | €14k | €27k | €20k | ▼ 26.0% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
20-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
13-02
State Gazette act
Board meeting · Director resignation
Director appointment · Mandate term
13-02
State Gazette act
Board meeting · Director resignation
Director appointment · Mandate compensation
2025
31-10
State Gazette act
Board meeting · Director resignation
Director appointment · Mandate compensation
22-08
State Gazette act
Board meeting · Director appointment
Mandate compensation · Permanent representative
22-08
State Gazette act
Board meeting · Director appointment
Mandate compensation · Permanent representative
09-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €113k ▲20.2%
7 profitable years in a row build equity to €113k.
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
03-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €26k ▲368%
Operating result €39k, net result €26k, both a record.
Show earlier events
08-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
15-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €2k ▼62.7%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity quadruplescurrent ratio 15.65
Current ratio from 4.27 to 15.65; short-term debt falls from €5k to €1k.
07-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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 2017
Ground area
6,856 m²
Building footprint
2,547 m²
Volume, LiDAR
35,399 m³
Parcel 31434C0037/00L007, Flanders · tallest building 18.2 m, ±5 floors. Linked by address, not a title deed.
13
companies at this address
See who is registered here
1 establishment unit
JEAN-LUC COTTYN
since 20172.259.757.827
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31434C0037/00L007 | Flanders | 6,856 m² | 1 · 2,547 m² | 18.2 m · 5 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.
Structure & network
Connections & network
1 connected companyLinked via shared directors
Shared director
→
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Of 22,069 companies in sector 69101 we hold annual accounts for 9,052. 7,560 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded30-12-2016
Fiscal year end31-12
Activities, NACEBEL 2025
69101Activities of lawyers
Scores and ratios are computed by Checked and are not a credit decision.