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 51 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
COWARD FACTORY from Sint-Agatha-Berchem, company number BE0552734704, closed financial year 2025 with a result of € -34,714 after tax. For that financial year COWARD FACTORY recorded a gross margin of € -25,475 and equity of € 58,171. Compared with financial year 2024, the result moved from € 33,894 to € -34,714. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on June 12, 2026.
€ 58,171
▼ 37% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -34,714
▼ still € 33,894 profit in 2024
Profit after tax over the fiscal year.
€ 12,955
▼ 87% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 39,621.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 2,607
▼ 45% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 1,548
▲ 237% vs 2024
Supplier invoices still open on the last day of the fiscal year.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 40,720 | € 40,298 | € 61,020 | € -25,475 | ▼ € 86,495 |
| Profit after taxes | € 32,077 | € 16,171 | € 33,894 | € -34,714 | ▼ € 68,608 |
| Equity | € 101,330 | € 117,501 | € 92,885 | € 58,171 | ▼ 37% |
| Total debts | € 125,115 | € 161,853 | € 73,031 | € 62,046 | ▼ 15% |
| Cash | € 136,453 | € 243,941 | € 101,471 | € 12,955 | ▼ 87% |
| Retained profit | € 82,780 | € 98,951 | € 74,335 | € 39,621 | ▼ 47% |
| Dividend | € 0 | € 0 | € 58,510 | € 0 | ▼ 100% |
| Balance sheet total | € 226,445 | € 279,354 | € 165,916 | € 120,217 | ▼ 28% |
Key figures of COWARD FACTORY, 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 COWARD FACTORY?
What happened at COWARD FACTORY in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 34,714 (▼ € 68,608 vs 2024). Source: NBB ↗
- New establishment in Sint-Agatha-Berchem. KBO
- Jan Paternoster became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 32,077 profit in 2022 to € 34,714 loss in 2025.
Paid € 23,485 in corporate taxes since 2022.
Best year ever: 2024, with € 33,894 profit.
Paid out € 58,510 in dividends to the owners in total.
A new publication or filing at COWARD FACTORY? We notify you, reason included.
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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 COWARD FACTORY is Jan Paternoster.
Directors
According to the 2025 annual accounts
Jan Paternoster
Director
since 2014
Establishments
Establishment units
Physical locations of this company
René Comhairelaan 89
1082 Sint-Agatha-Berchem
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0552.734.704
- VAT number
- BE 0552.734.704
- Registered office
- René Comhairelaan 89, 1082 Sint-Agatha-Berchem
- Names & denominations
- COWARD FACTORY
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 23 April 2014
- Peppol
- Active · Active since 24 Nov 2023
- Activities · NACE
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