COBELYS
ActiveCOBELYS has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €34k and a net result of €6k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 36% of 7452 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▲+76
Solvency56▼-6
Growth52=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.37 against 1.39 in 2024; short-term debt: 69.2% and cash: 0.8% of total assets), and 69.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
30.8%
Return on assets
5.4%
Age of the figures
9 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 8 filingsDeviation from the deadline
2025
3 d late
2024
59 d late
2023
14 d late
2022
17 d late
2021
16 d late
2020
12 d late
2019
90 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€34k▲ 21.4%
2024 · €28k
2018: €18k
2019: €28k
2020: €56k
2021: €77k
2022: €97k
2023: €76k
2024: €28k
2018 → 2025
Total assets
€111k▲ 44.8%
2024 · €77k
2018: €70k
2019: €67k
2020: €94k
2021: €115k
2022: €125k
2023: €150k
2024: €77k
2018 → 2025
Net result
€6k
2024 · €-41k
2018: €12k
2019: €9k
2020: €28k
2021: €21k
2022: €8k
2023: €-22k
2024: €-41k
2018 → 2025
Working capital
€28k▲ 50.2%
2024 · €19k
2018: €18k
2019: €21k
2020: €13k
2021: €45k
2022: €32k
2023: €34k
2024: €19k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€77k-€97k▲ 26.6%€76k▼ 22.2%€28k▼ 62.6%€34k▲ 21.4%
Operating result€27k-€10k▼ 61.3%€-21k€-40k▼ 90.6%€7k
Net result€21k-€8k▼ 61.4%€-22k€-41k▼ 91.8%€6k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €7k after a loss of €40k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €111k
Fixed assets
€6k▼ 36.2%
Current assets
€105k▲ 56.0%
Equity and liabilities €111k
Equity
€34k▲ 21.4%
Debt
€77k▲ 58.3%
The debt ratio rises from 63.3% to 69.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€11k▲
2024 · €-27k
Cash flow
€9k▲
2024 · €-29k
Solvency
30.8%▼
2024 · 36.7%
Current ratio
1.37▼
2024 · 1.39
Quick ratio
1.37▼
2024 · 1.39
Debt / equity
2.25▲
2024 · 1.72
ROE
17.6%▲
2024 · -146.4%
ROA
5.4%▲
2024 · -53.7%
Interest coverage
15.36▲
2024 · -22.66
Debt
€77k▲
2024 · €49k
Debt ≤ 1 year
€77k▲
2024 · €49k
Income taxes
€411▲
2024 · €363
Staff costs
€24k▲
2024 · €6k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€77k€111k▲
Fixed assets21/28€9k€6k▼
Tangible fixed assets22/27€3k-
Furniture and vehicles24€3k-
Financial fixed assets28€6k€6k=
Current assets29/58€67k€105k▲
Amounts receivable within one year40/41€67k€103k▲
Trade receivables40€40k€57k▲
Other amounts receivable41€27k€46k▲
Cash at bank and in hand54/58€299€901▲
Deferred charges and accrued income490/1-€931
Equity and liabilities
Total equity and liabilities10/49€77k€111k▲
Equity10/15€28k€34k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€9k€15k▲
Amounts payable17/49€49k€77k▲
Amounts payable within one year42/48€49k€77k▲
Current portion of amounts payable after more than one year42-€733
Trade debts44€5k€5k▼
Suppliers440/4€5k€5k▼
Taxes, remuneration and social security45€22k€18k▼
Taxes450/3€4k€1k▼
Remuneration and social security454/9€18k€17k▼
Other amounts payable47/48€22k€53k▲
Income statement
Code20242025
Remuneration, social security and pensions62€6k€24k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€3k▼
Other operating charges640/8€9k€1k▼
Gross operating margin9900€-12k€36k▲
Operating profit (loss)9901€-40k€7k▲
Financial income75/76B€310-
Recurring financial income75€310-
Financial charges65/66B€1k€687▼
Recurring financial charges65€1k€687▼
Profit (loss) for the period before taxes9903€-41k€6k▲
Income taxes67/77€363€411▲
Profit (loss) for the period9904€-41k€6k▲
Profit (loss) for the period to be appropriated9905€-41k€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€15k€15k▲
Profit (loss) brought forward from the previous period14P€56k€9k▼
Profit to be distributed694/7€6k-
Return on contributions (dividend)694€6k-
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
31-12
Financial
Back to profitnet €6k
Net result €6k after 2 loss-making years.
28-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 59 days late
2024
31-12
Financial
Weakest financial yearnet €-41k
Net result drops to €-41k, the lowest in the series; recovery starts the following year.
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 14 days late
2023
17-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
2022
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 12 days late
2020
31-12
Financial
Highest result since 2018net €28k ▲208%
Operating result €36k, net result €28k, both a record.
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 90 days late
2019
13-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 44 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, La Louvière · 1 establishment unit since 2018
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue Jean Jaurès(L.L) 1607100 La LouvièreGround area
666 m²
Building footprint
80 m²
Volume, LiDAR
697 m³
Parcel 55372D0146/00W020, Wallonia · tallest building 10.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
COBELYS
since 20182.277.493.088
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55372D0146/00W020 | Wallonia | 666 m² | 1 · 80 m² | 10.2 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,050. 12,635 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-06-2018
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43350Other building finishing work
43990Other specialised construction activities
43995Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.