COGEFID
ActiveCOGEFID has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €246k and a net result of €5k. Equity is growing by ~2.7% per year across the filed fiscal years. Its solvency ranks better than 71% of 12508 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
97
/ 100
Excellent▲ +16 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability59▲+26
Solvency100=
Growth36▲+1
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 14.16 against 15.15 in 2024), and 24.4% 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
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 →
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
75.6%
Return on assets
1.5%
Age of the figures
8 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 04-09-2026, 35 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 · 10 filingsDeviation from the deadline
2025
35 d late
2024
61 d late
2023
125 d late
2022
56 d late
2021
95 d late
2020
123 d late
2019
126 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
09-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€56k▼ 1.0%
2024 · €57k
2018: €110k
2019: €115k
2020: €121k
2021: €122k
2022: €65k
2023: €54k
2024: €57k
2018 → 2025
EBIT margin
15.6%▲ 29.6pp
2024 · -13.9%
2018: 47.3%
2019: 39.7%
2020: 45.6%
2021: 51.0%
2022: -9.3%
2023: -5.5%
2024: -13.9%
2018 → 2025
Net result
€5k
2024 · €-11k
2018: €37k
2019: €26k
2020: €39k
2021: €46k
2022: €-19k
2023: €-20k
2024: €-11k
2018 → 2025
Working capital
€296k▼ 2.8%
2024 · €304k
2018: €239k
2019: €268k
2020: €298k
2021: €348k
2022: €327k
2023: €313k
2024: €304k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€122k-€65k▼ 46.3%€54k▼ 17.4%€57k▲ 5.4%€56k▼ 1.0%
Equity€292k-€272k▼ 6.7%€252k▼ 7.4%€241k▼ 4.3%€246k▲ 2.0%
Operating result€62k-€-6k€-3k▲ 51.4%€-8k▼ 167%€9k
Net result€46k-€-19k€-20k▼ 3.5%€-11k▲ 45.5%€5k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €9k after a loss of €8k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €325k
Fixed assets
€7k▼ 18.0%
Current assets
€318k▼ 2.3%
Equity and liabilities €325k
Equity
€246k▲ 2.0%
Debt
€79k▼ 15.0%
The debt ratio falls from 27.9% to 24.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€12k▼
2024 · €12k
Cash flow
€8k▼
2024 · €9k
Solvency
75.6%▲
2024 · 72.1%
Current ratio
14.16▼
2024 · 15.15
Quick ratio
14.16▼
2024 · 15.15
Debt / equity
0.32▼
2024 · 0.39
ROE
2.0%▲
2024 · -4.5%
ROA
1.5%▲
2024 · -3.3%
Interest coverage
2.72▲
2024 · 2.58
Debt
€79k▼
2024 · €93k
Debt ≤ 1 year
€22k▲
2024 · €21k
Debt > 1 year
€57k▼
2024 · €72k
Income taxes
€1k
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€334k€325k▼
Formation expenses20€0€0=
Fixed assets21/28€9k€7k▼
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€9k€7k▼
Land and buildings22€0€0=
Plant, machinery and equipment23€9k€7k▼
Furniture and vehicles24€66€661▲
Current assets29/58€325k€318k▼
Amounts receivable after more than one year29€136k€136k=
Other amounts receivable291€136k€136k=
Amounts receivable within one year40/41€85k€112k▲
Trade receivables40€29k€29k▲
Other amounts receivable41€57k€82k▲
Current investments50/53€34k€0▼
Cash at bank and in hand54/58€44k€42k▼
Deferred charges and accrued income490/1€25k€28k▲
Equity and liabilities
Total equity and liabilities10/49€334k€325k▼
Equity10/15€241k€246k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€221k€226k▲
Amounts payable17/49€93k€79k▼
Amounts payable after more than one year17€72k€57k▼
Financial debts170/4€72k€57k▼
Amounts payable within one year42/48€21k€22k▲
Current portion of amounts payable after more than one year42€14k€15k▲
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€3k€3k▲
Taxes450/3€3k€3k▲
Other amounts payable47/48€3k€3k=
Accrued charges and deferred income492/3-€0
Income statement
Code20242025
Turnover70€57k€56k▼
Goods, raw materials, services and sundry goods60/61€63k€53k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€3k▼
Other operating charges640/8€3k€3k▼
Non-recurring operating charges66A€465€354▼
Gross operating margin9900€15k€15k▼
Operating profit (loss)9901€-8k€9k▲
Financial income75/76B€2k€2k▼
Recurring financial income75€2k€2k▼
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€-11k€6k▲
Income taxes67/77-€1k
Profit (loss) for the period9904€-11k€5k▲
Profit (loss) for the period to be appropriated9905€-11k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€221k€226k▲
Profit (loss) brought forward from the previous period14P€232k€221k▼
The notes to these accounts (10 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
04-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 35 days late
2025
31-12
Financial
Back to profitnet €5k
Net result €5k after 3 loss-making years.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
03-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 125 days late
2023
31-12
Financial
Weakest financial yearnet €-20k
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
25-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 56 days late
2022
03-11
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 95 days late
2021
31-12
Financial
Highest result since 2018net €46k ▲19.5%
Operating result €62k, net result €46k, both a record.
01-12
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 123 days late
2020
04-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 126 days late
2019
31-12
Financial
Equity above €200kEq €207k ▲14.1%
2 profitable years in a row build equity to €207k.
11-12
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 133 days late
2018
21-11
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 113 days late
2017
09-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 70 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Braine-l'Alleud · 1 establishment unit since 2010
Ground area
833 m²
Building footprint
84 m²
Volume, LiDAR
579 m³
Parcel 25014N1175/00G000, Wallonia · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Longchamp 122, 1420 Braine-l'Alleud
since 20102.334.414.470
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25014N1175/00G000 | Wallonia | 833 m² | 1 · 84 m² | 8.7 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.
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Of 12,120 companies in sector 69201 we hold annual accounts for 7,599. 6,172 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-02-2009
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 09-09-2026. Scores and ratios are computed by Checked and are not a credit decision.