COFIGEST.COM
ActiveSummary
COFIGEST.COM has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €557k and a net result of €130k. Equity is growing by ~30.6% per year across the filed fiscal years. Its solvency ranks better than 36% of 15367 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability64▼-4
Solvency70▲+9
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 3.14 against 2.56 in 2023; short-term debt: 11.2% of total assets), but 55% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 12-10-2025, 73 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 · 9 filingsDeviation from the deadline
2025
not confirmed
2024
73 d late
2023
31 d late
2022
24 d early
2021
28 d late
2020
27 d late
2019
46 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€557k▲ 30.6%
2023 · €426k
2018: €311k
2019: €145k
2020: €154k
2021: €243k
2022: €283k
2023: €426k
2018 → 2024
Total assets
€1.24M▲ 4.6%
2023 · €1.18M
2018: €883k
2019: €929k
2020: €946k
2021: €850k
2022: €930k
2023: €1.18M
2018 → 2024
Net result
€130k▼ 9.2%
2023 · €144k
2018: €123k
2019: €124k
2020: €128k
2021: €89k
2022: €140k
2023: €144k
2018 → 2024
Working capital
€298k▲ 27.5%
2023 · €233k
2018: €-45k
2019: €16k
2020: €-156k
2021: €-90k
2022: €-92k
2023: €233k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€154k-€243k▲ 58.0%€283k▲ 16.3%€426k▲ 50.8%€557k▲ 30.6%
Operating result€177k-€123k▼ 30.3%€187k▲ 51.8%€192k▲ 2.9%€165k▼ 14.1%
Net result€128k-€89k▼ 30.1%€140k▲ 56.3%€144k▲ 2.9%€130k▼ 9.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 14% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.24M
Fixed assets
€800k =
Current assets
€437k ▲ 14.1%
Equity and liabilities €1.24M
Equity
€557k ▲ 30.6%
Debt
€680k ▼ 10.1%
Debt's share of the balance-sheet total falls from 64.0% to 55.0%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
3.14▲
2023 · 2.56
Debt to equity
1.22▼
2023 · 1.78
ROE
23.4%▼
2023 · 33.7%
ROA
10.6%▼
2023 · 12.1%
Debt ≤ 1 year
€139k▼
2023 · €149k
Debt > 1 year
€541k▼
2023 · €607k
Income taxes
€45k▼
2023 · €50k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 41 lines
Balance sheet
Code20232024
Assets
Total assets20/58€1.18M€1.24M▲
Fixed assets21/28€800k€800k=
Financial fixed assets28€800k€800k=
Current assets29/58€383k€437k▲
Amounts receivable after more than one year29€260k€319k▲
Trade receivables290€3k-
Other amounts receivable291€257k€319k▲
Amounts receivable within one year40/41€111k€103k▼
Trade receivables40€63k€55k▼
Other amounts receivable41€48k€48k=
Cash at bank and in hand54/58€12k-
Deferred charges and accrued income490/1-€14k
Equity and liabilities
Total equity and liabilities10/49€1.18M€1.24M▲
Equity10/15€426k€557k▲
Reserves13€426k€557k▲
Distributable reserves133€426k€557k▲
Amounts payable17/49€757k€680k▼
Amounts payable after more than one year17€607k€541k▼
Financial debts170/4€176k€98k▼
Other amounts payable178/9€431k€443k▲
Amounts payable within one year42/48€149k€139k▼
Current portion of amounts payable after more than one year42€94k€101k▲
Trade debts44€7k-
Suppliers440/4€7k-
Taxes, remuneration and social security45€48k€38k▼
Taxes450/3€48k€38k▼
Other amounts payable47/48-€1
Income statement
Code20232024
Other operating charges640/8-€972
Gross operating margin9900€192k€166k▼
Operating profit (loss)9901€192k€165k▼
Financial income75/76B€6k€14k▲
Recurring financial income75€6k€14k▲
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€194k€176k▼
Income taxes67/77€50k€45k▼
Profit (loss) for the period9904€144k€130k▼
Profit (loss) for the period to be appropriated9905€144k€130k▼
Appropriation of the result
Profit (loss) to be appropriated9906€144k€130k▼
Transfer to equity691/2€144k€130k▼
To other reserves6921€144k€130k▼
The notes to these accounts (2 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
12-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 73 days late
2024
31-12
Financial
Equity above €500kEq €557k ▲30.6%
7 profitable years in a row build equity to €557k.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-12
Financial
Highest result since 2018net €144k ▲2.9%
Operating result €192k, net result €144k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 2.56
Current ratio from 0.58 to 2.56; short-term debt falls from €222k to €149k.
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 28 days late
2021
31-12
Financial
Weakest financial yearnet €89k ▼30.1%
Net result drops to €89k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €200kEq €243k ▲58%
4 profitable years in a row build equity to €243k.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Equity above €150kEq €154k ▲6.2%
3 profitable years in a row build equity to €154k.
15-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 46 days late
Show earlier events
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
01-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 32 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Saint-Ghislain · 1 establishment unit since 2015
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 de Wallonie(B) 1627331 Saint-Ghislain1 establishment unit
COFIGEST.COM
since 20152.249.439.403
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Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 5,355 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
Founded23-10-2015
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filings
Scores and ratios are computed by Checked and are not a credit decision.