CARROSSERIE COOLS
ActiveCARROSSERIE COOLS has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €576k and a net result of €102k. Equity is growing by ~15.7% per year across the filed fiscal years. Its solvency ranks better than 79% of 1036 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (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
Profitability85▼-15
Solvency98▼-2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 2.65 against 3.9 in 2024; short-term debt: 25.7% and cash: 21% of total assets), and 26.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers 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
73.3%
Return on assets
12.9%
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Sector 95
lower
← 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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
2 d early
2023
30 d late
2022
41 d early
2021
30 d early
2020
27 d late
2019
28 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€576k▲ 15.7%
2024 · €498k
2018: €208k
2019: €231k
2020: €260k
2021: €313k
2022: €348k
2023: €392k
2024: €498k
2018 → 2025
Total assets
€786k▲ 26.3%
2024 · €622k
2018: €297k
2019: €317k
2020: €335k
2021: €423k
2022: €494k
2023: €495k
2024: €622k
2018 → 2025
Net result
€102k▼ 38.9%
2024 · €166k
2018: €56k
2019: €32k
2020: €36k
2021: €66k
2022: €37k
2023: €64k
2024: €166k
2018 → 2025
Working capital
€335k▲ 25.0%
2024 · €268k
2018: €109k
2019: €134k
2020: €141k
2021: €208k
2022: €173k
2023: €210k
2024: €268k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€313k-€348k▲ 11.3%€392k▲ 12.6%€498k▲ 26.9%€576k▲ 15.7%
Operating result€85k-€50k▼ 40.9%€86k▲ 70.8%€231k▲ 170%€153k▼ 33.8%
Net result€66k-€37k▼ 43.0%€64k▲ 71.0%€166k▲ 160%€102k▼ 38.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 34% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €786k
Fixed assets
€249k▼ 5.0%
Current assets
€537k▲ 49.1%
Equity and liabilities €786k
Equity
€576k▲ 15.7%
Debt
€210k▲ 68.4%
The debt ratio rises from 20.1% to 26.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€223k▼
2024 · €284k
Cash flow
€172k▼
2024 · €220k
Solvency
73.3%▼
2024 · 79.9%
Current ratio
2.65▼
2024 · 3.90
Quick ratio
2.59▼
2024 · 3.76
Debt / equity
0.36▲
2024 · 0.25
ROE
17.7%▼
2024 · 33.4%
ROA
12.9%▼
2024 · 26.7%
Interest coverage
83.58▼
2024 · 134.34
Debt
€210k▲
2024 · €125k
Debt ≤ 1 year
€202k▲
2024 · €92k
Debt > 1 year
€8k▼
2024 · €33k
Income taxes
€53k▼
2024 · €65k
Staff costs
€85k▲
2024 · €64k
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€622k€786k▲
Fixed assets21/28€263k€249k▼
Tangible fixed assets22/27€262k€249k▼
Plant, machinery and equipment23€20k€16k▼
Furniture and vehicles24€118k€123k▲
Other tangible fixed assets26€125k€110k▼
Financial fixed assets28€248€248=
Current assets29/58€360k€537k▲
Stocks and contracts in progress3€13k€13k▼
Stocks30/36€13k€13k▼
Contracts in progress37€0-
Amounts receivable within one year40/41€26k€117k▲
Trade receivables40€23k€102k▲
Other amounts receivable41€3k€14k▲
Current investments50/53-€240k
Cash at bank and in hand54/58€312k€165k▼
Deferred charges and accrued income490/1€9k€3k▼
Equity and liabilities
Total equity and liabilities10/49€622k€786k▲
Equity10/15€498k€576k▲
Contributions10/11€19k€19k=
Reserves13€401k€479k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€401k€479k▲
Profit (loss) carried forward14€79k€79k=
Amounts payable17/49€125k€210k▲
Amounts payable after more than one year17€33k€8k▼
Financial debts170/4€33k€8k▼
Amounts payable within one year42/48€92k€202k▲
Current portion of amounts payable after more than one year42€30k€25k▼
Trade debts44€35k€154k▲
Suppliers440/4€35k€154k▲
Taxes, remuneration and social security45€7k€5k▼
Taxes450/3€4k€0▼
Remuneration and social security454/9€3k€5k▲
Other amounts payable47/48€21k€19k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Non-recurring operating income76A€30k€0▼
Remuneration, social security and pensions62€64k€85k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€53k€70k▲
Other operating charges640/8€4k€6k▲
Non-recurring operating charges66A-€12k
Gross operating margin9900€352k€326k▼
Operating profit (loss)9901€231k€153k▼
Financial income75/76B€3k€5k▲
Recurring financial income75€3k€5k▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€232k€155k▼
Income taxes67/77€65k€53k▼
Profit (loss) for the period9904€166k€102k▼
Profit (loss) for the period to be appropriated9905€166k€102k▼
Appropriation of the result
Profit (loss) to be appropriated9906€245k€180k▼
Profit (loss) brought forward from the previous period14P€79k€79k=
Transfer from equity791/2€42k€23k▼
Transfer to equity691/2€147k€102k▼
To other reserves6921€147k€102k▼
Profit to be distributed694/7€61k€23k▼
Return on contributions (dividend)694€42k€23k▼
Directors or managers695€19k€0▼
Social balance
Average headcount (FTE)90871.41.8▲
The notes to these accounts (23 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €500kEq €576k ▲15.7%
8 profitable years in a row build equity to €576k.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €166k ▲160%
Operating result €231k, net result €166k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
31-12
Financial
Weakest financial yearnet €32k ▼41.8%
Net result drops to €32k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
01-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 1 day late
2017
13-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
01-06-2025
Jozef Albert Bertha Cools: Resigned as Director
30-06-2017
Rachelle Mariën: Resigned as Manager
Location & real-estate footprint
Registered office, Balen · 1 establishment unit since 1997
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.
Ambachtsstraat 12490 BalenGround area
3,501 m²
Building footprint
185 m²
Volume, LiDAR
981 m³
Parcel 13003D0243/00C000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Ambachtsstraat 1, 2490 Balen
since 19972.080.232.801
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13003D0243/00C000 | Flanders | 3,501 m² | 1 · 185 m² | 8.6 m · 2 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.
Similar companies · same sector, comparable size
Garage Dekeyser
BE 0422.670.867
Ronse · Eq €576k
WERVIKS AUTOBEDRIJF
BE 0474.769.666
Wervik · Eq €577k
AUTOTEC
BE 0455.021.753
Büllingen · Eq €577k
A-M Motors
BE 0819.911.405
Lebbeke · Eq €577k
MdS Motor de Schaetzen
BE 0568.582.326
Hasselt · Eq €574k
Of 7,376 companies in sector 95311 we hold annual accounts for 2,958. 2,016 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-01-1997
Fiscal year end31-12
Activities, NACEBEL
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
45204
50200
95314Bodywork repair (including spraying and painting)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
50103
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.