DE COSTER & ZONEN
ActiveDE COSTER & ZONEN has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €101k and a net result of €9k. Equity is growing by ~77.8% per year across the filed fiscal years. Its solvency ranks better than 44% of 15875 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
66
/ 100
Healthy▼ -10 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability44▼-56
Solvency58▼-9
Growth78=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity tight (current ratio 1.41 against 1.48 in 2023), and 68.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
31.3%
Return on assets
2.8%
Age of the figures
20 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-09-2025, 57 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 9 filingsDeviation from the deadline
2025
not confirmed
2024
57 d late
2023
118 d late
2022
31 d late
2021
61 d late
2020
31 d late
2019
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€101k▲ 9.7%
2023 · €92k
2018: €4k
2019: €9k
2020: €16k
2021: €30k
2022: €70k
2023: €92k
2018 → 2024
Total assets
€322k▲ 27.4%
2023 · €253k
2018: €142k
2019: €141k
2020: €150k
2021: €178k
2022: €231k
2023: €253k
2018 → 2024
Net result
€9k▼ 60.4%
2023 · €23k
2018: €-2k
2019: €6k
2020: €7k
2021: €13k
2022: €40k
2023: €23k
2018 → 2024
Working capital
€77k▲ 6.9%
2023 · €72k
2018: €9k
2019: €6k
2020: €8k
2021: €14k
2022: €57k
2023: €72k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€16k-€30k▲ 81.9%€70k▲ 133%€92k▲ 32.4%€101k▲ 9.7%
Operating result€11k-€18k▲ 58.1%€59k▲ 228%€35k▼ 40.8%€12k▼ 65.5%
Net result€7k-€13k▲ 88.4%€40k▲ 196%€23k▼ 43.3%€9k▼ 60.4%
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 two years in a row; 2024 is 65% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €322k
Fixed assets
€57k▲ 84.0%
Current assets
€265k▲ 19.5%
Equity and liabilities €322k
Equity
€101k▲ 9.7%
Debt
€221k▲ 37.6%
The debt ratio rises from 63.6% to 68.7%: debt grows faster than equity.
Key figures and ratios
EBITDA
€23k▼
2023 · €44k
Cash flow
€20k▼
2023 · €32k
Solvency
31.3%▼
2023 · 36.4%
Current ratio
1.41▼
2023 · 1.48
Quick ratio
0.93▲
2023 · 0.73
Debt / equity
2.19▲
2023 · 1.75
ROE
8.8%▼
2023 · 24.5%
ROA
2.8%▼
2023 · 8.9%
Interest coverage
17.65▲
2023 · 13.21
Debt
€221k▲
2023 · €161k
Debt ≤ 1 year
€189k▲
2023 · €150k
Debt > 1 year
€33k▲
2023 · €11k
Income taxes
€3k▼
2023 · €11k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€253k€322k▲
Fixed assets21/28€31k€57k▲
Intangible fixed assets21€675€389▼
Tangible fixed assets22/27€30k€57k▲
Land and buildings22€2k€2k▼
Plant, machinery and equipment23€6k€41k▲
Furniture and vehicles24€22k€15k▼
Financial fixed assets28€270€270=
Current assets29/58€222k€265k▲
Stocks and contracts in progress3€112k€89k▼
Stocks30/36€112k€89k▼
Amounts receivable within one year40/41€51k€69k▲
Trade receivables40€47k€60k▲
Other amounts receivable41€4k€9k▲
Cash at bank and in hand54/58€54k€102k▲
Deferred charges and accrued income490/1€5k€5k▲
Equity and liabilities
Total equity and liabilities10/49€253k€322k▲
Equity10/15€92k€101k▲
Contributions10/11€6k€6k=
Reserves13€86k€95k▲
Distributable reserves133€86k€95k▲
Amounts payable17/49€161k€221k▲
Amounts payable after more than one year17€11k€33k▲
Financial debts170/4€11k€33k▲
Amounts payable within one year42/48€150k€189k▲
Current portion of amounts payable after more than one year42€6k€12k▲
Financial debts43€13k€9k▼
Credit institutions430/8€13k€9k▼
Trade debts44€53k€84k▲
Suppliers440/4€53k€84k▲
Taxes, remuneration and social security45€3k€11k▲
Taxes450/3-€7k
Remuneration and social security454/9€3k€4k▲
Other amounts payable47/48€75k€73k▼
Income statement
Code20232024
Non-recurring operating income76A€83€2k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€11k▲
Other operating charges640/8€1k€893▼
Gross operating margin9900€46k€24k▼
Operating profit (loss)9901€35k€12k▼
Financial income75/76B€1k€859▼
Recurring financial income75€1k€859▼
Financial charges65/66B€3k€1k▼
Recurring financial charges65€3k€1k▼
Profit (loss) for the period before taxes9903€33k€12k▼
Income taxes67/77€11k€3k▼
Profit (loss) for the period9904€23k€9k▼
Profit (loss) for the period to be appropriated9905€23k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€23k€9k▼
Transfer to equity691/2€23k€9k▼
To other reserves6921€23k€9k▼
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 57 days late
2024
31-12
Financial
Equity above €100kEq €101k ▲9.7%
6 profitable years in a row build equity to €101k.
26-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 118 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Highest result since 2018net €40k ▲196%
Operating result €59k, net result €40k, both a record.
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Haacht · 1 establishment unit since 2015
Ground area
843 m²
Building footprint
189 m²
Volume, LiDAR
104 m³
Parcel 24033F0135/00V000, Flanders · tallest building 5.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Rijmenamsesteenweg 183, 3150 Haacht
since 20152.241.463.726
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24033F0135/00V000 | Flanders | 843 m² | 1 · 189 m² | 5.6 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 840 companies in sector 46810 we hold annual accounts for 475. 289 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-02-2015
Fiscal year end31-12
Activities, NACEBEL
46810Wholesale of solid, liquid and gaseous fuels and related products
46839Wholesale trade
47529Retail trade
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 09-09-2026. Scores and ratios are computed by Checked and are not a credit decision.