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 15 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
BAG and COOL from Sint-Pieters-Woluwe, company number BE0461256477, closed financial year 2025 with a result of € 21,604 after tax. For that financial year BAG and COOL recorded a gross margin of € 32,192 and equity of € 79,807. Compared with financial year 2024, the result moved from € -1,412 to € 21,604. Profitable, and profit is growing. 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 September 30, 2025.
€ 79,807
▲ 37% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 21,604
▲ still € 1,412 loss in 2024
Profit after tax over the fiscal year.
€ 1,713
▼ 19% 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 € 61,207.
People and assets in 2025
€ 5,861
▲ € 7,455 vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 1,490
▼ 24% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 38,768
▼ 25% vs 2024
€ 3,962 is repaid this year. At this pace the long-term loan is gone in ≈ 10 years.
€ 13,862
▲ 50% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 9,309
▲ 63% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2021 | 2022 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 25,878 | € 28,349 | € 7,018 | € 32,192 | ▲ € 25,174 |
| Profit after taxes | € 10,702 | € 15,566 | € -1,412 | € 21,604 | ▲ € 23,017 |
| Equity | € 44,048 | € 59,615 | € 58,202 | € 79,807 | ▲ 37% |
| Total debts | € 133,360 | € 127,464 | € 78,464 | € 71,284 | ▼ 9% |
| Cash | € 47,446 | € 58,658 | € 2,113 | € 1,713 | ▼ 19% |
| Land & buildings | € 4,975 | € 2,613 | - | - | |
| Retained profit | € 25,448 | € 41,015 | € 39,602 | € 61,207 | ▲ 55% |
| Bank debt | € 69,876 | € 66,900 | € 51,973 | € 38,768 | ▼ 25% |
| Balance sheet total | € 177,409 | € 187,078 | € 136,666 | € 151,091 | ▲ 11% |
Key figures of BAG and COOL, fiscal years 2021 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 October 2026.
What happened to BAG and COOL?
What happened at BAG and COOL in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 21,604. Source: NBB ↗
- New establishment in Kraainem. KBO
- Start of the company according to the CBE. KBO
In short
From € 10,702 profit in 2021 to € 21,604 profit in 2025.
Paid € 4,161 in corporate taxes since 2021.
Best year ever: 2025, with € 21,604 profit.
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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
Behind BAG and COOL are BERNADETTE DRICOT and PATRICK ANCIAUX.
Directors
According to the 2025 annual accounts
BERNADETTE DRICOT
Director
PATRICK ANCIAUX
Director
Establishments
Establishment units
Physical locations of this company
Stokkelsesteenweg 434
1150 Sint-Pieters-Woluwe
Wezembeeklaan 114
1950 Kraainem
Active since 30 September 1997
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0461.256.477
- VAT number
- BE 0461.256.477
- Registered office
- Stokkelsesteenweg 434, 1150 Sint-Pieters-Woluwe
- Names & denominations
- BAG and COOL
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 12 August 1997
- Peppol
- Active · Active since 1 Oct 2025
- Activities · NACE
Detailhandel in lederwaren en reisartikelen