COGITAMUS ERGO...
ActiveSummary
COGITAMUS ERGO... has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €8k and a net result of €839. Equity is growing by ~26% per year across the filed fiscal years. Its solvency ranks better than 28% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-27
Solvency55▲+13
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.28 against 1.04 in 2024; short-term debt: 69.5% and cash: 17.2% of total assets), and 69.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 · 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 · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 21-05-2026, 21 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
21 d late
2024
3 d early
2023
on the day
2022
on the day
2021
13 d late
2020
1 d early
2019
29 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€8k▲ 12.5%
2024 · €7k
2018: €-22k
2019: €-29k
2020: €-21k
2021: €-26k
2022: €-24k
2023: €-5k
2024: €7k
2018 → 2025
Total assets
€25k▼ 39.1%
2024 · €41k
2018: €71k
2019: €91k
2020: €62k
2021: €64k
2022: €37k
2023: €47k
2024: €41k
2018 → 2025
Net result
€839▼ 92.8%
2024 · €12k
2018: €14k
2019: €-7k
2020: €8k
2021: €-5k
2022: €1k
2023: €20k
2024: €12k
2018 → 2025
Working capital
€5k▲ 248%
2024 · €1k
2018: €-22k
2019: €-31k
2020: €-20k
2021: €-27k
2022: €-26k
2023: €-8k
2024: €1k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-26k-€-24k▲ 5.4%€-5k▲ 79.9%€7k€8k▲ 12.5%
Operating result€-183-€3k€34k▲ 1,223%€20k▼ 41.7%€4k▼ 78.6%
Net result€-5k-€1k€20k▲ 1,287%€12k▼ 40.4%€839▼ 92.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 79% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €25k
Fixed assets
€3k ▼ 49.5%
Current assets
€22k ▼ 37.5%
Equity and liabilities €25k
Equity
€8k ▲ 12.5%
Debt
€17k ▼ 49.3%
Debt's share of the balance-sheet total falls from 83.5% to 69.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€7k▼
2024 · €22k
Cash flow
€3k▼
2024 · €14k
Current ratio
1.28▲
2024 · 1.04
Debt to equity
2.28▼
2024 · 5.05
ROE
11.1%▼
2024 · 173.3%
ROA
3.4%▼
2024 · 28.6%
Interest coverage
16.84▼
2024 · 63.45
Debt ≤ 1 year
€17k▼
2024 · €34k
Income taxes
€3k▼
2024 · €8k
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 · 2025 against 2024 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€41k€25k▼
Fixed assets21/28€5k€3k▼
Tangible fixed assets22/27€5k€3k▼
Furniture and vehicles24€5k€3k▼
Current assets29/58€35k€22k▼
Amounts receivable within one year40/41€28k€16k▼
Trade receivables40€14k€12k▼
Other amounts receivable41€14k€4k▼
Cash at bank and in hand54/58€6k€4k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€41k€25k▼
Equity10/15€7k€8k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€-12k€-11k▲
Amounts payable17/49€34k€17k▼
Amounts payable within one year42/48€34k€17k▼
Financial debts43€143-
Credit institutions430/8€143-
Trade debts44€26k€12k▼
Suppliers440/4€26k€12k▼
Taxes, remuneration and social security45€8k€6k▼
Taxes450/3€8k€6k▼
Income statement
Code20242025
Non-recurring operating income76A-€2k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▼
Other operating charges640/8€165€72▼
Gross operating margin9900€22k€7k▼
Operating profit (loss)9901€20k€4k▼
Financial income75/76B-€221
Recurring financial income75-€221
Financial charges65/66B€378€493▲
Recurring financial charges65€351€406▲
Non-recurring financial charges66B€27€87▲
Profit (loss) for the period before taxes9903€19k€4k▼
Income taxes67/77€8k€3k▼
Profit (loss) for the period9904€12k€839▼
Profit (loss) for the period to be appropriated9905€12k€839▼
Appropriation of the result
Profit (loss) to be appropriated9906€-12k€-11k▲
Profit (loss) brought forward from the previous period14P€-24k€-12k▲
The notes to these accounts (9 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
21-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 21 days late
27-03
State Gazette act
Registered officeRegistered-office move2 facts ▸
State Gazette act
Registered office
Registered-office move2 facts ▸
- General meeting, 13/03/2026
- Registered-office move, Avenue Louise, 231, 1050 Bruxelles
2025
27-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Highest result since 2018net €20k ▲1287%
Operating result €34k, net result €20k, both a record.
30-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
13-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 13 days late
2021
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
29-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 29 days late
2019
30-09
Financial
Weakest financial yearnet €-7k ▼151%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
Show earlier events
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
09-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 9 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Elsene · 1 establishment unit since 2009
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.
Louizalaan 2311050 ElseneGround area
6,751 m²
Building footprint
4,604 m²
Volume, LiDAR
93,920 m³
2 parcels, Brussels · tallest building 45.8 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
Molièrelaan 500, 1050 Elsene
since 20092.303.552.337
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21807G0131/00T000 | Brussels | 5,672 m² | 1 · 3,878 m² | 45.8 m · 8 fl. |
| 21447B0342/00A013 | Brussels | 1,079 m² | 1 · 727 m² | 23.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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TRIARII Justitia
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LEGALLIN
BE 0783.898.669
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IPOCKET
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Of 2,762 companies in sector 69109 we hold annual accounts for 1,208. 535 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
Founded24-07-2009
Fiscal year end30-09
Activities, NACEBEL 2025
69109Other legal services
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.