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 61 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
CONSEIL GESTION PATRIMOINE from Couvin, company number BE0501791490, closed financial year 2025 with a result of € 352,613 after tax. For that financial year CONSEIL GESTION PATRIMOINE recorded a gross margin of € 216,965 and equity of € 3 million. Compared with financial year 2024, the result moved from € 558,404 to € 352,613. 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 June 23, 2026.
€ 3 million
▲ 13% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 352,613
▼ 37% vs 2024
Profit after tax over the fiscal year.
€ 84,342
▲ 46% 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 € 2.8 million.
People and assets in 2025
1
Average over the fiscal year, from the social balance sheet.
€ 144,689
▲ 3% vs 2024
€ 144,700 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.
Debts at end 2025
€ 668,703
▼ 18% vs 2024
€ 151,720 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 890
▼ 69% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 41,371
▲ 7% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 163,442 | € 163,510 | € 169,899 | € 216,965 | ▲ 28% |
| Profit after taxes | € 14,059 | € 543,267 | € 558,404 | € 352,613 | ▼ 37% |
| Equity | € 1,534,660 | € 2,077,926 | € 2,636,330 | € 2,988,943 | ▲ 13% |
| Total debts | € 3,167,508 | € 3,024,321 | € 2,246,433 | € 1,896,809 | ▼ 16% |
| Cash | € 273,905 | € 81,374 | € 57,816 | € 84,342 | ▲ 46% |
| Retained profit | € 1,324,660 | € 1,867,926 | € 2,426,330 | € 2,778,943 | ▲ 15% |
| Bank debt | € 1,114,744 | € 967,568 | € 818,893 | € 668,703 | ▼ 18% |
| Balance sheet total | € 4,702,168 | € 5,102,248 | € 4,882,763 | € 4,885,752 | |
| Employees (FTE) | 1 | 1 | 1 | 1 |
Key figures of CONSEIL GESTION PATRIMOINE, 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 CONSEIL GESTION PATRIMOINE?
What happened at CONSEIL GESTION PATRIMOINE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 352,613 (▼ 37% vs 2024). Source: NBB ↗
- Start of the company according to the CBE. KBO
- New establishment in Couvin. KBO
In short
From € 14,059 profit in 2022 to € 352,613 profit in 2025.
Paid € 25,407 in corporate taxes since 2022.
Best year ever: 2024, with € 558,404 profit.
On average € 217,000 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
Behind CONSEIL GESTION PATRIMOINE are Catherine Cuvelier and Sophie Cuvelier. It owns 89.1% of Créer Rénover Construire SA and 74% of Menuiserie Métallique Construction SA (MMC) itself.
Directors
According to the 2025 annual accounts
Sophie Cuvelier
Director
Also active at: CONSEIL IMMOBILIER COUVIN, CONSEIL GESTION IMMOBILIER, Menuiserie Métallique Construction
Establishments
Establishment units
Physical locations of this company
Rue Nicolas Darche 32 box 1
5660 Couvin
Rue Nicolas Darche 32/1
5660 Couvin
Active since 23 November 2012
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 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
- 0501.791.490
- VAT number
- BE 0501.791.490
- Registered office
- Rue Nicolas Darche 32 bus 1, 5660 Couvin
- Names & denominations
- CONSEIL GESTION PATRIMOINE · C.G.P.
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 6 December 2012
- Peppol
- Active · Active since 27 Mar 2026
- Contact
- [email protected] +3260340168
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