Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 41 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Cougemat from Charleroi, company number BE0401706791, closed financial year 2025 with a result of € 2,275 after tax. For that financial year Cougemat recorded a gross margin of € 442,497 and equity of € 753,488. Compared with financial year 2024, the result moved from € 23,534 to € 2,275. The company is profitable. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on August 28, 2026.
€ 753,488
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 2,275
▼ 90% vs 2024
Profit after tax over the fiscal year.
€ 83,441
▲ 57% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 683,682.
People and assets in 2025
8
Average over the fiscal year, from the social balance sheet.
€ 391,163
▲ 2% vs 2024
€ 48,900 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 7,746
▼ 70% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 82,829
▼ 12% vs 2024
€ 8,461 is repaid this year. At this pace the long-term loan is gone in ≈ 10 years.
€ 263,438
▼ 22% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 50,110
▲ 144% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 488,153 | € 474,558 | € 472,978 | € 442,497 | ▼ 6% |
| Profit after taxes | € 44,823 | € 17,916 | € 23,534 | € 2,275 | ▼ 90% |
| Equity | € 709,763 | € 727,679 | € 751,213 | € 753,488 | |
| Total debts | € 824,737 | € 785,246 | € 630,835 | € 609,548 | ▼ 3% |
| Cash | € 180,877 | € 171,469 | € 53,226 | € 83,441 | ▲ 57% |
| Land & buildings | € 78,392 | € 72,683 | € 64,240 | € 62,241 | ▼ 3% |
| Retained profit | € 639,957 | € 657,873 | € 681,407 | € 683,682 | |
| Bank debt | € 133,636 | € 113,947 | € 93,968 | € 82,829 | ▼ 12% |
| Balance sheet total | € 1,554,040 | € 1,532,465 | € 1,401,588 | € 1,382,576 | ▼ 1% |
| Employees (FTE) | 8 | 8 | 8 | 8 |
Key figures of Cougemat, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to Cougemat?
What happened at Cougemat in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Rochet Jean-Pierre stepped down as director. NBB
- Francis ROUSSEAU stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 2,275 (▼ 90% vs 2024). filed late Source: NBB ↗
- Rochet Jean-Pierre became a director. NBB
- Francis ROUSSEAU became a director. NBB
- Start of the company according to the CBE. KBO
- New establishment in Charleroi. KBO
In short
From € 44,823 profit in 2022 to € 2,275 profit in 2025.
Paid € 48,022 in corporate taxes since 2022.
Best year ever: 2022, with € 44,823 profit.
On average € 55,300 of value added per employee in 2025.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
The stake of Représentation Commerciale comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
CougematThe shares are held by Représentation Commerciale (95%).
Directors
According to the 2025 annual accounts
Rochet Jean-Pierre
Director
since 2022 · until 2028
Francis ROUSSEAU
Managing director
since 2020 · until 2026
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Rue des Chantiers 25
6030 Charleroi
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0401.706.791
- VAT number
- BE 0401.706.791
- Registered office
- Rue des Chantiers 25, 6030 Charleroi
- Names & denominations
- Cougemat
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 1 January 1968
- Peppol
- Active · Active since 17 Nov 2025
- Activities · NACE
Groothandel in bouwmaterialen, algemeen assortiment
Groothandel in verf, vernis en bouwmaterialen, inclusief sanitair
Groothandel in hout