COULONVAL Expert-Comptable
ActiveCOULONVAL Expert-Comptable has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €128k and a net result of €30k. Equity is growing by ~13.3% per year across the filed fiscal years. Its solvency ranks better than 64% of 12690 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▲+3
Solvency94▼-6
Growth62=
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 3.14 against 4.49 in 2024; short-term debt: 26% and cash: 47.8% of total assets), and 30.7% 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 · 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
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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
69.3%
Return on assets
16.3%
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 06-06-2026, 55 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
55 d early
2024
38 d early
2023
37 d early
2022
38 d early
2021
62 d early
2020
58 d early
2019
44 d early
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€234k▼ 1.7%
2020 · €239k
2018: €244k
2019: €231k
2020: €239k
2018 → 2022
EBIT margin
20.0%▲ 4.5pp
2020 · 15.4%
2018: 14.3%
2019: 7.9%
2020: 15.4%
2018 → 2022
Net result
€30k▼ 1.3%
2024 · €30k
2018: €22k
2019: €7k
2020: €20k
2021: €35k
2022: €30k
2023: €24k
2024: €30k
2018 → 2025
Working capital
€103k▼ 25.2%
2024 · €137k
2018: €47k
2019: €50k
2020: €74k
2021: €98k
2022: €122k
2023: €119k
2024: €137k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€234k
Equity€109k-€131k▲ 20.5%€145k▲ 10.6%€163k▲ 12.0%€128k▼ 21.5%
Operating result€54k-€47k▼ 12.6%€36k▼ 22.3%€46k▲ 25.9%€46k▲ 0.6%
Net result€35k-€30k▼ 13.0%€24k▼ 21.3%€30k▲ 27.3%€30k▼ 1.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 1% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €184k
Fixed assets
€34k▼ 14.2%
Current assets
€150k▼ 14.6%
Equity and liabilities €184k
Equity
€128k▼ 21.5%
Debt
€57k▲ 6.9%
The debt ratio rises from 24.5% to 30.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€59k▲
2024 · €59k
Cash flow
€43k▼
2024 · €44k
Solvency
69.3%▼
2024 · 75.5%
Current ratio
3.14▼
2024 · 4.49
Quick ratio
3.14▼
2024 · 4.49
Debt / equity
0.44▲
2024 · 0.32
ROE
23.5%▲
2024 · 18.7%
ROA
16.3%▲
2024 · 14.1%
Interest coverage
10.70▲
2024 · 10.66
Debt
€57k▲
2024 · €53k
Debt ≤ 1 year
€48k▲
2024 · €39k
Debt > 1 year
€9k▼
2024 · €14k
Income taxes
€12k▲
2024 · €12k
Staff costs
€16k▼
2024 · €21k
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€216k€184k▼
Fixed assets21/28€39k€34k▼
Tangible fixed assets22/27€39k€34k▼
Furniture and vehicles24€39k€34k▼
Financial fixed assets28€160€160=
Current assets29/58€176k€150k▼
Amounts receivable within one year40/41€88k€56k▼
Trade receivables40€32k€42k▲
Other amounts receivable41€57k€14k▼
Current investments50/53€0-
Cash at bank and in hand54/58€81k€88k▲
Deferred charges and accrued income490/1€7k€6k▼
Equity and liabilities
Total equity and liabilities10/49€216k€184k▼
Equity10/15€163k€128k▼
Contributions10/11€24k€24k=
Reserves13€116k€80k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€114k€78k▼
Profit (loss) carried forward14€23k€24k▲
Amounts payable17/49€53k€57k▲
Amounts payable after more than one year17€14k€9k▼
Financial debts170/4€14k€9k▼
Amounts payable within one year42/48€39k€48k▲
Current portion of amounts payable after more than one year42€7k€7k▲
Trade debts44€3k€3k▼
Suppliers440/4€3k€3k▼
Taxes, remuneration and social security45€18k€19k▲
Taxes450/3€16k€15k▼
Remuneration and social security454/9€2k€5k▲
Other amounts payable47/48€11k€19k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Remuneration, social security and pensions62€21k€16k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k▼
Other operating charges640/8€949€917▼
Gross operating margin9900€82k€76k▼
Operating profit (loss)9901€46k€46k▲
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€6k€6k▼
Recurring financial charges65€6k€6k▼
Profit (loss) for the period before taxes9903€42k€42k▼
Income taxes67/77€12k€12k▲
Profit (loss) for the period9904€30k€30k▼
Profit (loss) for the period to be appropriated9905€30k€30k▼
Appropriation of the result
Profit (loss) to be appropriated9906€54k€53k▼
Profit (loss) brought forward from the previous period14P€23k€23k▼
Transfer from equity791/2€7k€65k▲
Transfer to equity691/2€25k€29k▲
To other reserves6921€25k€29k▲
Profit to be distributed694/7€13k€65k▲
Return on contributions (dividend)694€13k€65k▲
The notes to these accounts (7 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
06-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150kEq €163k ▲12%
7 profitable years in a row build equity to €163k.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €35k ▲71.3%
Operating result €54k, net result €35k, both a record.
31-12
Financial
Equity above €100kEq €109k ▲34.3%
4 profitable years in a row build equity to €109k.
03-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
17-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €7k ▼66.9%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
01-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
09-06
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
3 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, Court-Saint-Etienne · 1 establishment unit since 1989
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.
Rue Saussale 191490 Court-Saint-EtienneGround area
876 m²
Building footprint
119 m²
Volume, LiDAR
730 m³
Parcel 25023B0112/00D000, Wallonia · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Saussale 19, 1490 Court-Saint-Etienne
since 19892.227.603.119
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25023B0112/00D000 | Wallonia | 876 m² | 1 · 119 m² | 8.7 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.
Recognitions · licences · registrations
Legal Entity Identifier
254900VZZED52GG4Y840
Similar companies · same sector, comparable size
KONTADO
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KROTON
BE 0440.433.448
Zemst · Eq €128k
My Accountant
BE 0754.863.007
Brussel · Eq €128k
Assistance Comptable et Fiscale
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Soignies · Eq €128k
BOFIMAS
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Wuustwezel · Eq €128k
Of 12,175 companies in sector 69201 we hold annual accounts for 7,638. 6,529 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-11-1989
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
74121
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.