COBEN
ActiveThe computed 12-month bankruptcy probability of COBEN is 8.4% (elevated). The 2025 annual accounts show negative equity (€-3k) and a net result of €-32k. Equity is growing by ~29.3% per year across the filed fiscal years. Its solvency ranks better than 24% of 13240 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
24
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability4▼-76
Solvency23▼-17
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
8.4%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.84 against 0.99 in 2024; short-term debt: 42.2% and cash: 11.7% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-2.2%
Return on assets
-22.3%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
202122232425
2020 to 2025 · latest year €-3k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-07-2026, 18 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
18 d early
2024
30 d early
2023
1 d early
2022
14 d late
2021
12 d late
2020
26 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-3k
2024 · €26k
2020: €2k
2021: €13k
2022: €17k
2023: €26k
2024: €26k
2020 → 2025
Total assets
€144k▼ 15.9%
2024 · €172k
2020: €152k
2021: €148k
2022: €160k
2023: €176k
2024: €172k
2020 → 2025
Net result
€-32k
2024 · €15k
2020: €-18k
2021: €11k
2022: €5k
2023: €8k
2024: €15k
2020 → 2025
Working capital
€-10k▼ 1,381%
2024 · €-660
2020: €1k
2021: €14k
2022: €-4k
2023: €2k
2024: €-660
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€13k-€17k▲ 36.1%€26k▲ 48.5%€26k▲ 0.8%€-3k
Operating result€5k-€4k▼ 30.9%€10k▲ 172%€23k▲ 131%€-30k
Net result€11k-€5k▼ 58.6%€8k▲ 83.0%€15k▲ 79.5%€-32k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €30k after €23k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €144k
Fixed assets
€93k▼ 23.1%
Current assets
€51k▲ 1.5%
Key figures and ratios
EBITDA
€1k▼
2024 · €55k
Cash flow
€-1k▼
2024 · €47k
Solvency
-2.2%▼
2024 · 15.2%
Current ratio
0.84▼
2024 · 0.99
Quick ratio
0.84▲
2024 · 0.80
Debt / equity
-45.88▼
2024 · 5.58
ROA
-22.3%▼
2024 · 8.9%
Interest coverage
0.50▼
2024 · 10.43
Debt
€148k▲
2024 · €146k
Debt ≤ 1 year
€61k▲
2024 · €51k
Debt > 1 year
€86k▼
2024 · €94k
Income taxes
€141▼
2024 · €3k
Staff costs
€46k▲
2024 · €36k
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€172k€144k▼
Fixed assets21/28€121k€93k▼
Intangible fixed assets21€8k€5k▼
Tangible fixed assets22/27€113k€88k▼
Plant, machinery and equipment23€26k€23k▼
Furniture and vehicles24€26k€14k▼
Other tangible fixed assets26€61k€51k▼
Financial fixed assets28€210€210=
Current assets29/58€50k€51k▲
Stocks and contracts in progress3€10k€0▼
Stocks30/36€10k€0▼
Amounts receivable within one year40/41€3k€1k▼
Trade receivables40€1k€0▼
Other amounts receivable41€1k€1k▲
Current investments50/53€26k€32k▲
Cash at bank and in hand54/58€10k€17k▲
Deferred charges and accrued income490/1€2k€844▼
Equity and liabilities
Total equity and liabilities10/49€172k€144k▼
Equity10/15€26k€-3k▼
Contributions10/11€20k€20k=
Profit (loss) carried forward14€6k€-26k▼
Investment grants15-€3k
Amounts payable17/49€146k€148k▲
Amounts payable after more than one year17€94k€86k▼
Financial debts170/4€94k€86k▼
Amounts payable within one year42/48€51k€61k▲
Current portion of amounts payable after more than one year42€15k€8k▼
Trade debts44€8k€16k▲
Suppliers440/4€8k€16k▲
Taxes, remuneration and social security45€15k€12k▼
Taxes450/3€9k€5k▼
Remuneration and social security454/9€6k€8k▲
Other amounts payable47/48€13k€24k▲
Accrued charges and deferred income492/3-€400
Income statement
Code20242025
Remuneration, social security and pensions62€36k€46k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€31k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€93k€49k▼
Operating profit (loss)9901€23k€-30k▼
Financial income75/76B€0€200▲
Recurring financial income75€0€200▲
Financial charges65/66B€5k€2k▼
Recurring financial charges65€5k€2k▼
Profit (loss) for the period before taxes9903€18k€-32k▼
Income taxes67/77€3k€141▼
Profit (loss) for the period9904€15k€-32k▼
Profit (loss) for the period to be appropriated9905€15k€-32k▼
Appropriation of the result
Profit (loss) to be appropriated9906€21k€-26k▼
Profit (loss) brought forward from the previous period14P€6k€6k▲
Profit to be distributed694/7€15k€0▼
Return on contributions (dividend)694€15k€0▼
The notes to these accounts (16 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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-32k ▼312%
Net result drops to €-32k, the lowest in the series.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2020net €15k ▲79.5%
Operating result €23k, net result €15k, both a record.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
14-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 14 days late
2022
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 12 days late
2021
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Oudergem · 1 establishment unit since 2019
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.
Waverse steenweg 18041160 OudergemGround area
164 m²
Building footprint
91 m²
Volume, LiDAR
579 m³
Parcel 21332B0060/00R015, Brussels · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Coben
since 20192.291.803.558
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21332B0060/00R015 | Brussels | 164 m² | 1 · 91 m² | 10.6 m · 2 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteOudergem2.291.803.558
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Of 20,494 companies in sector 56111 we hold annual accounts for 11,455. 9,264 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-07-2019
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.