Etablissements COLLARD
ActiveThe annual accounts of Etablissements COLLARD for fiscal year 2025 show a net loss of 80% of the equity at the start of that year. The 2025 annual accounts show equity of €30k and a net result of €-123k. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 23% of 11257 sector peers (fiscal year 2025). The company has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
43
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency31▼-19
Growth32=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.04 against 1.32 in 2024; short-term debt: 93.2% and cash: 42.5% of total assets), and 93.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Ten 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
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 2025Solvency, return and age of the figures
Solvency
6.4%
Return on assets
-25.8%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-123k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 11257 sector peers (2025).
NBB · sector comparisonPosition among 11257 sector peers
Solvency
better than 23%
← weakest
strongest →
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 06-05-2026, 86 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
86 d early
2024
22 d late
2023
12 d early
2022
30 d late
2021
28 d late
2020
30 d late
2019
91 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, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-123k▼ 13.7%
2024 · €-108k
2018: €7k
2019: €-10k
2020: €15k
2021: €16k
2022: €4k
2023: €6k
2024: €-108k
2018 → 2025
Working capital
€16k▼ 88.5%
2024 · €143k
2018: €694k
2019: €687k
2020: €703k
2021: €726k
2022: €727k
2023: €724k
2024: €143k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€722k-€726k▲ 0.5%€732k▲ 0.9%€154k▼ 79.0%€30k▼ 80.2%
Operating result€22k-€3k▼ 86.8%€11k▲ 300%€-34k€-125k▼ 269%
Net result€16k-€4k▼ 76.1%€6k▲ 64.2%€-108k€-123k▼ 13.7%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €125k in 2025 against €34k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €478k
Fixed assets
€16k▼ 30.4%
Current assets
€462k▼ 21.6%
Equity and liabilities €478k
Equity
€30k▼ 80.2%
Debt
€448k▼ 2.4%
The debt ratio rises from 74.9% to 93.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-118k▼
2024 · €-27k
Cash flow
€-116k▼
2024 · €-101k
Solvency
6.4%▼
2024 · 25.1%
Current ratio
1.04▼
2024 · 1.32
Quick ratio
0.61▲
2024 · 0.61
Debt / equity
14.74▲
2024 · 2.99
ROE
-405.8%▼
2024 · -70.6%
ROA
-25.8%▼
2024 · -17.7%
Interest coverage
-79.00▼
2024 · -8.93
Debt
€448k▼
2024 · €459k
Debt ≤ 1 year
€446k▼
2024 · €446k
Debt > 1 year
€2k▼
2024 · €11k
Income taxes
€42▼
2024 · €2k
Staff costs
€48k▲
2024 · €43k
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€612k€478k▼
Fixed assets21/28€23k€16k▼
Tangible fixed assets22/27€22k€15k▼
Furniture and vehicles24€22k€15k▼
Financial fixed assets28€630€630=
Current assets29/58€589k€462k▼
Stocks and contracts in progress3€318k€190k▼
Stocks30/36€318k€190k▼
Amounts receivable within one year40/41€54k€69k▲
Trade receivables40€49k€64k▲
Other amounts receivable41€5k€5k=
Cash at bank and in hand54/58€218k€203k▼
Equity and liabilities
Total equity and liabilities10/49€612k€478k▼
Equity10/15€154k€30k▼
Contributions10/11€125k€125k=
Capital10€125k€125k=
Issued capital100€125k€125k=
Reserves13€58k€58k=
Non-distributable reserves130/1€24k€24k=
Legal reserve130€24k€24k=
Tax-exempt reserves132€27k€27k=
Distributable reserves133€6k€6k=
Profit (loss) carried forward14€-29k€-152k▼
Amounts payable17/49€459k€448k▼
Amounts payable after more than one year17€11k€2k▼
Financial debts170/4€11k€2k▼
Amounts payable within one year42/48€446k€446k▼
Current portion of amounts payable after more than one year42€8k€8k▲
Trade debts44€4k€4k▼
Suppliers440/4€4k€4k▼
Taxes, remuneration and social security45€13k€13k▼
Taxes450/3€4k€2k▼
Remuneration and social security454/9€9k€10k▲
Other amounts payable47/48€421k€421k=
Accrued charges and deferred income492/3€2k-
Income statement
Code20242025
Remuneration, social security and pensions62€43k€48k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k=
Other operating charges640/8€9k€2k▼
Gross operating margin9900€26k€-67k▼
Operating profit (loss)9901€-34k€-125k▼
Financial income75/76B€6k€3k▼
Recurring financial income75€6k€3k▼
Financial charges65/66B€79k€1k▼
Recurring financial charges65€3k€1k▼
Non-recurring financial charges66B€76k-
Profit (loss) for the period before taxes9903€-106k€-123k▼
Income taxes67/77€2k€42▼
Profit (loss) for the period9904€-108k€-123k▼
Profit (loss) for the period to be appropriated9905€-108k€-123k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-29k€-152k▼
Profit (loss) brought forward from the previous period14P€79k€-29k▼
The notes to these accounts (6 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
06-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-123k
Net result drops to €-123k, the lowest in the series.
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
28-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 28 days late
2021
31-12
Financial
Highest result since 2018net €16k ▲3.9%
Net result €16k, the highest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 91 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 59 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Dison · 1 establishment unit since 1983
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 du Corbeau 704820 DisonGround area
220 m²
Building footprint
74 m²
Volume, LiDAR
655 m³
Parcel 63020A0103/00Y002, Wallonia · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ETS COLLARD
since 19832.023.775.237
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63020A0103/00Y002indicative | Wallonia | 220 m² | 1 · 74 m² | 10.4 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 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 companyNetwork connections
Shared address
→
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Of 840 companies in sector 46810 we hold annual accounts for 473. 160 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded29-12-1983
Fiscal year end31-12
Activities, NACEBEL
46810Wholesale of solid, liquid and gaseous fuels and related products
49410Freight transport by road
46831Wholesale of construction materials, general range
51532
74700
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 42 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.