Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of COWIMMO is 1.1% (low). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.
Based on State Gazette and CBE data.
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 20 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 28 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.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 28-08-2025 | 28 d late | 2025-00424343 |
| 31-12-2023 | 31-07-2024 | 20-08-2024 | 20 d late | 2024-00357761 |
| 31-12-2022 | 31-07-2023 | 11-08-2023 | 11 d late | 2023-00328808 |
| 31-12-2021 | 31-07-2022 | 02-08-2022 | 2 d late | 2022-20266606 |
| 31-12-2020 | 31-07-2021 | 25-08-2021 | 25 d late | 2021-54600392 |
| 31-12-2019 | 31-07-2020 | 28-07-2020 | 3 d early | 2020-35500002 |
| 31-12-2018 | 31-07-2019 | 30-08-2019 | 30 d late | 2019-62200256 |
| 31-12-2017 | 31-07-2018 | 13-07-2018 | 18 d early | 2018-32600216 |
| 31-12-2016 | 31-07-2017 | 09-06-2017 | 52 d early | 2017-16000518 |
| 31-12-2015 | 31-07-2016 | 07-07-2016 | 24 d early | 2016-28700412 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsEstablished
Founded in 2007, 18 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone1.1%
Low
0%0,5%1,5%4%10%≥25%
No NACE activity registered
+Long track record
−Higher-failure-rate region
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
Annual accounts & ratios
Source: NBBFinancials being processed
NBB has 10 filing(s) on record for this company, latest fiscal year 2024 (micro). The annual accounts are being processed.
Filings on record
| Fiscal year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2024 | micro | 28-08-2025 | 2025-00424343 |
| 31-12-2023 | micro | 20-08-2024 | 2024-00357761 |
| 31-12-2022 | micro | 11-08-2023 | 2023-00328808 |
| 31-12-2021 | micro | 02-08-2022 | 2022-20266606 |
| 31-12-2020 | micro | 25-08-2021 | 2021-54600392 |
| 31-12-2019 | volledig | 28-07-2020 | 2020-35500002 |
| 31-12-2018 | volledig | 30-08-2019 | 2019-62200256 |
| 31-12-2017 | volledig | 13-07-2018 | 2018-32600216 |
| 31-12-2016 | volledig | 09-06-2017 | 2017-16000518 |
| 31-12-2015 | volledig | 07-07-2016 | 2016-28700412 |
Structure & network
Connections & network
6 connected companiesNetwork connections
Shared address
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Shared address
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Shared address
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Shared address
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Show 2 more network connections
Shared address
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Shared address
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Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationCOWIMMO
since 20072.166.756.801
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area2,091 m²
Buildings2
Building footprint263 m²
Volume (LiDAR)699 m³
Tallest building6.5 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57059A0093/00F000 | Wallonia | 1,514 m² | 1 · 125 m² | - |
| 57060A0261/00N000 | Wallonia | 577 m² | 1 · 138 m² | 6.5 m · 2 fl. |
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.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
1 acts All acts · 1
updated 8 months ago
2025
08-12-2025 Change in the board of directors
Summary:
v3.2
Analysis
Credit advice
verdict per customer and amountCompany registry
Company registry (CBE)
Crossroads BankNames & trade names
| Legal nameFR | COWIMMO |
Registered office
Chaussée de Lille(OR) 479 bus 2
7501 Tournai, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.