COBINVEST

Active

Private limited companyfounded 20215 yrs activeBinnenhof 13, 2930 Brasschaat, BelgiumKBO/BCE: BE 0772.838.689

The computed 12-month bankruptcy probability of COBINVEST is 2.1% (moderate). The 2025 annual accounts show equity of €568k and a net result of €135k. Equity is growing by ~24.2% per year across the filed fiscal years. The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Watch Print / PDF

Checked score

Score 2025

71 / 100

Healthy

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability86▼-9

Solvency82▲+14

Growth78=

Track record94

Bankruptcy probability, 12 months

2.1% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €40k at 30 days acceptable

Liquidity tight (current ratio 1.2 against 0.79 in 2024; short-term debt: 12.8% and cash: 11.3% of total assets), and 43.1% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

No NACE activity registered

No NACE activity is registered in the KBO, which is more common among companies that later fail.

KBO · activities

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

56.9%

Return on assets

13.5%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-06-2026, 57 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

57 d early

2024

2 d early

2023

30 d early

2022

61 d early

2021

19 d early

← before the deadline after the deadline →

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 months

Position in the running window

21-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, abbreviated schema

Equity

€568k▲ 31.2%

2024 · €433k

2021: €235k 2022: €300k 2023: €300k 2024: €433k

2021 → 2025

Total assets

€998k▲ 0.3%

2024 · €995k

2021: €963k 2022: €1.08M 2023: €980k 2024: €995k

2021 → 2025

Net result

€135k▼ 35.1%

2024 · €208k

2021: €-65k 2022: €162k 2023: €138k 2024: €208k

2021 → 2025

Working capital

€25k

2024 · €-38k

2021: €296k 2022: €297k 2023: €235k 2024: €-38k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€235k-€300k▲ 27.8%€300k=€433k▲ 44.3%€568k▲ 31.2%

Operating result€166k-€213k▲ 28.6%€184k▼ 13.7%€312k▲ 69.4%€188k▼ 39.8%

Net result€-65k-€162k€138k▼ 14.8%€208k▲ 51.0%€135k▼ 35.1%

Turnover and EBIT margin not published: the abbreviated schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 40% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €998k

84.7%

15.3%

Fixed assets €845k▼ 0.9%

Current assets €153k▲ 7.5%

Equity and liabilities €998k

56.9%

43.1%

Equity €568k▲ 31.2%

Debt €431k▼ 23.4%

The debt ratio falls from 56.5% to 43.1%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€210k▼

2024 · €402k

Cash flow

€157k▼

2024 · €298k

Solvency

56.9%▲

2024 · 43.5%

Current ratio

1.20▲

2024 · 0.79

Quick ratio

1.20▲

2024 · 0.79

Debt / equity

0.76▼

2024 · 1.30

ROE

23.8%▼

2024 · 48.0%

ROA

13.5%▼

2024 · 20.9%

Interest coverage

20.59▼

2024 · 33.16

Debt

€431k▼

2024 · €562k

Debt ≤ 1 year

€128k▼

2024 · €180k

Debt > 1 year

€280k▼

2024 · €360k

Income taxes

€46k▼

2024 · €98k

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€995k€998k▲

Fixed assets21/28€853k€845k▼

Tangible fixed assets22/27€853k€845k▼

Land and buildings22€851k€830k▼

Furniture and vehicles24€2k€1k▼

Other tangible fixed assets26-€15k

Current assets29/58€142k€153k▲

Amounts receivable within one year40/41€89k€40k▼

Other amounts receivable41€89k€40k▼

Cash at bank and in hand54/58€48k€113k▲

Deferred charges and accrued income490/1€5k€457▼

Equity and liabilities

Total equity and liabilities10/49€995k€998k▲

Equity10/15€433k€568k▲

Revaluation surpluses12€282k€277k▼

Reserves13€151k€291k▲

Distributable reserves133€151k€291k▲

Profit (loss) carried forward14€0€0=

Amounts payable17/49€562k€431k▼

Amounts payable after more than one year17€360k€280k▼

Financial debts170/4€360k€280k▼

Amounts payable within one year42/48€180k€128k▼

Current portion of amounts payable after more than one year42€80k€80k=

Financial debts43€25k€10k▼

Credit institutions430/8€25k€10k▼

Trade debts44-€131

Suppliers440/4-€131

Taxes, remuneration and social security45-€16k

Taxes450/3-€16k

Other amounts payable47/48€75k€22k▼

Accrued charges and deferred income492/3€22k€23k▲

Income statement Code20242025

Non-recurring operating income76A€221k€5k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€90k€22k▼

Other operating charges640/8€38k€39k▲

Gross operating margin9900€440k€249k▼

Operating profit (loss)9901€312k€188k▼

Financial income75/76B€7k€3k▼

Recurring financial income75€7k€3k▼

Financial charges65/66B€12k€10k▼

Recurring financial charges65€12k€10k▼

Profit (loss) for the period before taxes9903€306k€181k▼

Income taxes67/77€98k€46k▼

Profit (loss) for the period9904€208k€135k▼

Profit (loss) for the period to be appropriated9905€208k€135k▼

Appropriation of the result

Profit (loss) to be appropriated9906€208k€135k▼

Transfer to equity691/2€133k€135k▲

To other reserves6921€133k€135k▲

Profit to be distributed694/7€75k€0▼

Return on contributions (dividend)694€75k€0▼

Social balance

Average headcount (FTE)90870.00.0=

The notes to these accounts (22 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 8Financial 3Filings 5

Next filing, fiscal year 2026, expected by 31-07-2027

2026

04-06

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

2025

31-12

Financial Equity above €500kEq €568k ▲31.2%

4 profitable years in a row build equity to €568k.

29-07

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema

2024

31-12

Financial Highest result since 2021net €208k ▲51%

Operating result €312k, net result €208k, both a record.

01-07

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema

2023

31-05

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema

2022

31-12

Financial Back to profitnet €162k

Net result €162k after one loss-making year.

12-07

NBB filing Annual accounts filed

fiscal year 2021 · abbreviated schema

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, Brasschaat · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Binnenhof 132930 Brasschaat

Ground area

2,014 m²

Building footprint

240 m²

Volume, LiDAR

1,234 m³

Parcel 11322E0076/00D000, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

COBINVEST

Binnenhof 13, 2930 BrasschaatActivities auxiliary to financial services and insurance activities

since 20212.321.786.753

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11322E0076/00D000	Flanders	2,014 m²	1 · 240 m²	7.7 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.

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded20-07-2021

Fiscal year end31-12

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.