Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
-
Tight liquidity NBB
Cash and receivables cover 10 % of short-term debt in 2025; threshold 65 %.
-
Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
Crédit ouvrier Couvinois from Dinant, company number BE0402565836, closed financial year 2025 with a result of € 24,649 after tax. For that financial year Crédit ouvrier Couvinois recorded revenue of € 164 and equity of € -299,490. Compared with financial year 2024, the result moved from € -9,841 to € 24,649. Profitable, and profit is growing. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 13, 2026.
€ -299,490
▲ € 24,649 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 24,649
▲ still € 9,841 loss in 2024
Profit after tax over the fiscal year.
€ 31,864
▲ € 31,003 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 € -342,872.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 13
Supplier invoices still open on the last day of the fiscal year.
Want to see how much further we take a dossier in the Pro version? Open the free De Lijn example and give feedback →
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 1,733 | € 741 | € 388 | € 164 | ▼ 58% |
| Gross margin | € -12,523 | € -12,235 | € -8,878 | € 25,484 | ▲ € 34,363 |
| Profit after taxes | € 6,047 | € -12,977 | € -9,841 | € 24,649 | ▲ € 34,491 |
| Equity | € -301,321 | € -314,298 | € -324,140 | € -299,490 | ▲ € 24,649 |
| Total debts | € 398,796 | € 348,535 | € 333,501 | € 333,514 | |
| Cash | € 59,238 | € 14,121 | € 861 | € 31,864 | ▲ € 31,003 |
| Retained profit | € -344,702 | € -357,680 | € -367,521 | € -342,872 | ▲ € 24,649 |
| Bank debt | € 8,244 | € 0 | € 0 | € 0 | |
| Balance sheet total | € 97,475 | € 34,237 | € 9,362 | € 34,024 | ▲ 263% |
Key figures of Crédit ouvrier Couvinois, 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 Crédit ouvrier Couvinois?
What happened at Crédit ouvrier Couvinois in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Maxime JOSKIN stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 24,649. Source: NBB ↗
- Bernard JOSKIN stepped down as director. NBB
- Sophie de Pierpont stepped down as director. NBB
- Maxime JOSKIN became a director. NBB
- Bernard JOSKIN became a director. NBB
- Sophie de Pierpont became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 6,047 profit in 2022 to € 24,649 profit in 2025.
Best year ever: 2025, with € 24,649 profit.
A new publication or filing at Crédit ouvrier Couvinois? We notify you, reason included.
Follow Crédit ouvrier CouvinoisDatabakkes Pro
Know what changes at your customers, suppliers and competitors. Without reading an annual account.
- Follow them in one folder Every company in your folder gets this full dossier: household book, all fiscal years, benchmark against companies of the same size.
- We alert you, with the reason New annual account, Official Gazette publication or status change: you get what changed and where it says so.
- In bulk too, and in ChatGPT and Claude Upload your customer list and get the warning signs back per company. Or ask in your own AI assistant, with this register as the source.
Databakkes Pro is being built. Sign up now and you are first in line for an invitation, with a month to try without a credit card.
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 PROXIPRET comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
Crédit ouvrier CouvinoisThe shares are held by PROXIPRET (70.5%).
Directors
According to the 2025 annual accounts
since 2022 · until 2028
since 2020 · until 2026
since 2020 · until 2026
Shareholders
70.5%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Avenue Franchet-d'Esperey 1
5500 Dinant
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0402.565.836
- VAT number
- BE 0402.565.836
- Registered office
- Avenue Franchet-d'Esperey 1, 5500 Dinant
- Names & denominations
- Crédit ouvrier Couvinois
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 1 January 1926
- Peppol
- Not registered