Cod3.Systems
ActiveSummary
Cod3.Systems has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €52k and a net result of €49k. Its solvency ranks better than 70% of 17043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
94
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency100
Growth-
Track record67
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 4.19; short-term debt: 23.4% and cash: 48.7% of total assets), and 23.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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
76.6%
Return on assets
72.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 · 1 filingDeviation from the deadline
2025
26 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€52k
Total assets
€67k
Net result
€49k
Working capital
€50k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €67k
Fixed assets
€1k
Current assets
€66k
Equity and liabilities €67k
Equity
€52k
Debt
€16k
Debt finances 23.4% of the balance-sheet total.
Key figures and ratios
EBITDA
€63k
Cash flow
€50k
Current ratio
4.19
Debt to equity
0.31
ROE
95.2%
ROA
72.9%
Interest coverage
1166.09
Debt ≤ 1 year
€16k
Income taxes
€12k
Filed annual accounts As filed with the NBB · 2025 · 33 lines
Balance sheet
Code2025
Assets
Total assets20/58€67k
Fixed assets21/28€1k
Tangible fixed assets22/27€1k
Furniture and vehicles24€1k
Current assets29/58€66k
Amounts receivable within one year40/41€33k
Trade receivables40€31k
Other amounts receivable41€3k
Cash at bank and in hand54/58€33k
Equity and liabilities
Total equity and liabilities10/49€67k
Equity10/15€52k
Contributions10/11€3k
Reserves13€49k
Distributable reserves133€49k
Amounts payable17/49€16k
Amounts payable within one year42/48€16k
Trade debts44€134
Suppliers440/4€134
Taxes, remuneration and social security45€12k
Taxes450/3€12k
Other amounts payable47/48€3k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k
Gross operating margin9900€63k
Operating profit (loss)9901€62k
Financial charges65/66B€54
Recurring financial charges65€54
Profit (loss) for the period before taxes9903€61k
Income taxes67/77€12k
Profit (loss) for the period9904€49k
Profit (loss) for the period to be appropriated9905€49k
Appropriation of the result
Profit (loss) to be appropriated9906€49k
Transfer to equity691/2€49k
To other reserves6921€49k
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
2026
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
NBB filing
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, Tournai · 1 establishment unit since 2025
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 Joseph Poutrain(K) 67540 TournaiGround area
710 m²
Building footprint
105 m²
Volume, LiDAR
634 m³
Parcel 57042A0277/00C006, Wallonia · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Cod3.Systems
since 20252.377.171.674
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57042A0277/00C006 | Wallonia | 710 m² | 1 · 105 m² | 8.4 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.
Similar companies · same sector, comparable size
RAVIO
BE 0756.894.661
Antwerpen · Eq €51,662
Beyrey
BE 1003.630.591
Brussel · Eq €51,633
IT's MATIC
BE 0559.955.462
Fontaine-l'Evêque · Eq €51,629
CLOUDRORA
BE 1009.886.695
Evere · Eq €51,627
Ceustermans IT
BE 0783.289.846
Hasselt · Eq €51,703
Of 16,884 companies in sector 62100 we hold annual accounts for 8,775. 6,812 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-08-2025
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
47400Retail sale of information and communication equipment
62200Computer consultancy and computer facilities management
62900Other information technology and computer services
77330Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:admin@cod3.systems
Phone:+32455177291