BCL-COFIGES
ActiveBCL-COFIGES has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €128k and a net result of €14k. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 55% of 3286 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability52▼-15
Solvency76▲+14
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 3.04 against 4.2 in 2024; short-term debt: 22.9% and cash: 38.8% of total assets), and 49.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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
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
50.7%
Return on assets
5.5%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €128k
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-08-2026, 6 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
6 d late
2024
on the day
2023
1 d early
2022
20 d early
2021
11 d late
2020
2 d late
2019
55 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€14k▼ 57.1%
2024 · €32k
2018: €24k
2019: €8k
2020: €-10k
2021: €-4k
2022: €10k
2023: €4k
2024: €32k
2018 → 2025
Working capital
€119k▼ 34.2%
2024 · €180k
2018: €92k
2019: €96k
2020: €90k
2021: €157k
2022: €153k
2023: €147k
2024: €180k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€95k-€98k▲ 2.7%€95k▼ 2.9%€120k▲ 26.5%€128k▲ 6.8%
Operating result€18k-€24k▲ 35.0%€20k▼ 18.2%€54k▲ 173%€33k▼ 40.1%
Net result€-4k-€10k€4k▼ 55.7%€32k▲ 652%€14k▼ 57.1%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 40% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €253k
Fixed assets
€76k▼ 15.4%
Current assets
€177k▼ 25.3%
Equity and liabilities €253k
Equity
€128k▲ 6.8%
Debt
€125k▼ 39.6%
The debt ratio falls from 63.3% to 49.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€46k▼
2024 · €69k
Cash flow
€28k▼
2024 · €46k
Solvency
50.7%▲
2024 · 36.7%
Current ratio
3.04▼
2024 · 4.20
Quick ratio
3.04▼
2024 · 4.20
Debt / equity
0.97▼
2024 · 1.72
ROE
10.8%▼
2024 · 26.9%
ROA
5.5%▼
2024 · 9.9%
Interest coverage
3.20▼
2024 · 4.36
Debt
€125k▼
2024 · €207k
Debt ≤ 1 year
€58k▲
2024 · €56k
Debt > 1 year
€67k▼
2024 · €150k
Income taxes
€6k▼
2024 · €8k
Staff costs
€123k▼
2024 · €128k
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€326k€253k▼
Fixed assets21/28€90k€76k▼
Tangible fixed assets22/27€88k€74k▼
Land and buildings22€51k€44k▼
Plant, machinery and equipment23€31k€27k▼
Furniture and vehicles24€6k€3k▼
Financial fixed assets28€2k€2k▲
Current assets29/58€236k€177k▼
Amounts receivable within one year40/41€71k€74k▲
Trade receivables40€63k€72k▲
Other amounts receivable41€7k€2k▼
Current investments50/53€1k€1k▼
Cash at bank and in hand54/58€157k€98k▼
Deferred charges and accrued income490/1€7k€3k▼
Equity and liabilities
Total equity and liabilities10/49€326k€253k▼
Equity10/15€120k€128k▲
Contributions10/11€25k€25k=
Reserves13€94k€103k▲
Tax-exempt reserves132€948€948=
Distributable reserves133€93k€102k▲
Profit (loss) carried forward14€957€80▼
Amounts payable17/49€207k€125k▼
Amounts payable after more than one year17€150k€67k▼
Financial debts170/4€77k€67k▼
Other amounts payable178/9€73k-
Amounts payable within one year42/48€56k€58k▲
Current portion of amounts payable after more than one year42€10k€11k▲
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Advances received on contracts in progress46€1k€1k▲
Taxes, remuneration and social security45€41k€39k▼
Taxes450/3€25k€23k▼
Remuneration and social security454/9€16k€15k▼
Other amounts payable47/48-€4k
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€218k€223k▲
Remuneration, social security and pensions62€128k€123k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€14k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-21k-
Other operating charges640/8€22k€11k▼
Gross operating margin9900€197k€181k▼
Operating profit (loss)9901€54k€33k▼
Financial income75/76B€2k€2k▼
Recurring financial income75€2k€2k▼
Financial charges65/66B€16k€15k▼
Recurring financial charges65€16k€15k▼
Profit (loss) for the period before taxes9903€41k€20k▼
Income taxes67/77€8k€6k▼
Profit (loss) for the period9904€32k€14k▼
Profit (loss) for the period to be appropriated9905€32k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€33k€15k▼
Profit (loss) brought forward from the previous period14P€819€957▲
Transfer to equity691/2€25k€9k▼
To other reserves6921€25k€9k▼
Profit to be distributed694/7€7k€6k▼
Return on contributions (dividend)694€7k€6k▼
Social balance
Average headcount (FTE)90873.53.2▼
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
06-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 6 days late
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2018net €32k ▲652%
Operating result €54k, net result €32k, both a record.
31-12
Financial
Equity above €100kEq €120k ▲26.5%
3 profitable years in a row build equity to €120k.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Back to profitnet €10k
Net result €10k after 2 loss-making years.
11-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 11 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 4.69
Current ratio from 2.09 to 4.69; short-term debt falls from €82k to €43k.
02-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 2 days late
2020
31-12
Financial
Weakest financial yearnet €-10k ▼238%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
24-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 55 days late
2019
08-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 8 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 58 days late
2017
07-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB 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 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Jodoigne · 2 establishment units since 1990
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.
Grand'Place(Jod.) 81370 JodoigneGround area
489 m²
Building footprint
223 m²
Volume, LiDAR
2,833 m³
2 parcels, Wallonia · tallest building 16.3 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
BCL-COFIGES
since 19902.049.062.147
BCL-COFIGES
since 20112.199.679.589
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25048G0111/00E000 | Wallonia | 344 m² | 1 · 166 m² | 16.3 m · 5 fl. |
| 53028C0337/00C000 | Wallonia | 145 m² | 1 · 57 m² | 10.1 m · 3 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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Of 12,175 companies in sector 69201 we hold annual accounts for 7,638. 6,528 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-05-1990
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
74121
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.bclcofiges.be
E-mail:info@bclcofiges.be