Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Shrinking team NBB
FTE fell two years in a row, from 4.7 to 2.6.
Financials
Financial year 2025
Charles Cowez Toitures from Ham-sur-Heure-Nalinnes, company number BE0563678183, closed financial year 2025 with a result of € 55,285 after tax. For that financial year Charles Cowez Toitures recorded a gross margin of € 200,787 and equity of € 181,480. Compared with financial year 2024, the result moved from € 229,215 to € 55,285. The company is profitable. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on July 28, 2026.
€ 181,480
▲ 38% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 55,285
▼ 76% vs 2024
Profit after tax over the fiscal year.
€ 246,510
▲ 9% 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 € 156,054.
People and assets in 2025
2.6
▼ 1 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 104,539
▼ 49% vs 2024
€ 40,200 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.
€ 129,917
▲ € 125,893 vs 2024
Of which on lease € 108,565.
Debts at end 2025
€ 143,755
▲ 90% vs 2024
€ 27,566 is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.
€ 455,337
▲ € 345,632 vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 8,274
▼ 70% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 459,828 | € 399,974 | € 530,609 | € 200,787 | ▼ 62% |
| Profit after taxes | € 170,439 | € 133,174 | € 229,215 | € 55,285 | ▼ 76% |
| Equity | € 139,085 | € 136,833 | € 131,622 | € 181,480 | ▲ 38% |
| Total debts | € 500,588 | € 543,493 | € 553,223 | € 607,619 | ▲ 10% |
| Cash | € 280,405 | € 322,211 | € 226,287 | € 246,510 | ▲ 9% |
| Land & buildings | € 86,402 | € 78,486 | € 86,070 | € 73,727 | ▼ 14% |
| Retained profit | € 97,379 | € 100,554 | € 100,769 | € 156,054 | ▲ 55% |
| Dividend | € 125,000 | € 130,000 | € 229,000 | € 0 | ▼ 100% |
| Bank debt | € 105,984 | € 87,062 | € 75,518 | € 143,755 | ▲ 90% |
| Balance sheet total | € 639,673 | € 680,325 | € 684,844 | € 789,099 | ▲ 15% |
| Employees (FTE) | 4.9 | 4.7 | 3.6 | 2.6 | ▼ 1 |
Key figures of Charles Cowez Toitures, 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 Charles Cowez Toitures?
What happened at Charles Cowez Toitures in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 55,285 (▼ 76% vs 2024). Source: NBB ↗
- BERLIERE MANAGEMENT SRL became a director. NBB
- SAUVAGE MANAGEMENT SRL became a director. NBB
- C FOR C SRL became a director. NBB
- New establishment in Ham-sur-Heure-Nalinnes. KBO
- Start of the company according to the CBE. KBO
In short
From € 170,439 profit in 2022 to € 55,285 profit in 2025.
Paid € 180,076 in corporate taxes since 2022.
Best year ever: 2024, with € 229,215 profit.
On average € 77,200 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 Sauvage Management comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
Charles Cowez ToituresBehind Charles Cowez Toitures are BERLIERE MANAGEMENT SRL, SAUVAGE MANAGEMENT SRL and C FOR C SRL. The shares are held by Sauvage Management (33%).
Directors
According to the 2025 annual accounts
Director · represented by BERLIERE QUENTIN
since 2025
Director · represented by SAUVAGE ARNAUD
since 2025
since 2025
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Rue Docteur F.Dufour(NAL) 11
6120 Ham-sur-Heure-Nalinnes
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 4 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
- 0563.678.183
- VAT number
- BE 0563.678.183
- Registered office
- Rue Docteur F.Dufour(NAL) 11, 6120 Ham-sur-Heure-Nalinnes
- Names & denominations
- Charles Cowez Toitures
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 6 October 2014
- Peppol
- Active · Active since 10 Sept 2025
- Activities · NACE
Dakwerkzaamheden
Metselwerk
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Waterdichtingswerken van muren
Overige gespecialiseerde bouwwerkzaamheden
Restaureren van bouwwerken
Uitvoeren van metsel- en voegwerken