Financials
Financial year 2025
COMPETENCE AND CHARACTER from Court-Saint-Etienne, company number BE0898069451, closed financial year 2025 with a result of € 14,838 after tax. For that financial year COMPETENCE AND CHARACTER recorded a gross margin of € 87,591 and equity of € 227,514. Compared with financial year 2024, the result moved from € 55,189 to € 14,838. The company is profitable. 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 August 28, 2026.
€ 227,514
▼ 2% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 14,838
▼ 73% vs 2024
Profit after tax over the fiscal year.
€ 83,348
▼ 41% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 20,425 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
€ 4,673
▼ 30% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 53,686
▼ 22% vs 2024
€ 19,857 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 1,941
▼ 60% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 32,484
▼ 9% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 98,843 | € 102,318 | € 101,777 | € 87,591 | ▼ 14% |
| Profit after taxes | € 50,374 | € 58,272 | € 55,189 | € 14,838 | ▼ 73% |
| Equity | € 173,945 | € 204,523 | € 233,101 | € 227,514 | ▼ 2% |
| Total debts | € 194,279 | € 149,161 | € 128,737 | € 150,374 | ▲ 17% |
| Cash | € 123,578 | € 87,852 | € 141,218 | € 83,348 | ▼ 41% |
| Land & buildings | € 211,888 | € 201,032 | € 190,176 | € 179,319 | ▼ 6% |
| Retained profit | € 167,745 | € 198,323 | € 226,901 | € 221,314 | ▼ 2% |
| Dividend | € 26,482 | € 27,694 | € 26,611 | € 20,425 | ▼ 23% |
| Bank debt | € 101,445 | € 84,788 | € 69,250 | € 53,686 | ▼ 22% |
| Balance sheet total | € 368,224 | € 353,684 | € 361,838 | € 377,888 | ▲ 4% |
Key figures of COMPETENCE AND CHARACTER, 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 COMPETENCE AND CHARACTER?
What happened at COMPETENCE AND CHARACTER in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 14,838 (▼ 73% vs 2024). filed late Source: NBB ↗
- New establishment in Court-Saint-Etienne. KBO
- Start of the company according to the CBE. KBO
- New establishment in Sint-Gillis (bij-Brussel). KBO
In short
From € 50,374 profit in 2022 to € 14,838 profit in 2025.
Paid € 73,413 in corporate taxes since 2022.
Best year ever: 2023, with € 58,272 profit.
Paid out € 101,213 in dividends to the owners in total.
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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 COMPETENCE AND CHARACTER is Cathy Coolen.
Directors
According to the 2025 annual accounts
Cathy Coolen
Director
Establishments
Establishment units
Physical locations of this company
Rue de Mérivaux 53
1490 Court-Saint-Etienne
Overwinningsstraat 26 box 4
1060 Sint-Gillis (bij-Brussel)
Active since 16 May 2008
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0898.069.451
- VAT number
- BE 0898.069.451
- Registered office
- Rue de Mérivaux 53, 1490 Court-Saint-Etienne
- Names & denominations
- C&C · COMPETENCE AND CHARACTER
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 22 May 2008
- Peppol
- Active · Active since 26 Nov 2025
- Contact
- c-and-c.info [email protected] 0488760004
- Activities · NACE
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