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CO-a

Active
Private limited company·Activiteiten van holdings· 11 yrs active
Wijnbergstraat 63 ·8560 Wevelgem, Belgium
BE 0633.720.596
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Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.

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Age11 yrs

Summary

Conclusion

the dossier summarised in one paragraph

CO-a is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €130k and a net result of €-9k. Equity is shrinking by ~4.3% per year across the filed fiscal years. Its solvency ranks better than 78% of 1395 sector peers (fiscal year 2024). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 5 annual accounts.

Trust signals

3 signals
Established
Founded in 2015, 11 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).

Administrative Flags

0 events
No administrative flags

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Financials

Equity€130k-6.5%
Net result€-9k
Total assets€185k-13.5%
Solvency70.7%+5.3pp

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 28-05-2025 with the NBB · fiscal year 2024 · verkort
€-50k€0€50k€100k€150kOperating result 2018: €23k€23kNet result 2018: €16k€16kOperating result 2019: €155k€155kNet result 2019: €81k€81kOperating result 2022: €6k€6kNet result 2022: €2k€2kOperating result 2023: €8k€8kNet result 2023: €4k€4kOperating result 2024: €-7k€-7kNet result 2024: €-9k€-9k20182019202220232024
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining Equity: declining trend of ~4.3%/year over 5 fiscal years, indicative, assuming unchanged policy.
€0€200k€400k€600k2025: €125k (€113k - €136k)2026: €119k (€100k - €137k)2027: €113k (€87k - €138k)2018: €547k2019: €71k2022: €136k2023: €140k2024: €130k20182019202220232024202520262027
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2024 · NACE 64, Financial services · compared within the same schema type (abbreviated schema)
Metric This company Sector median Position in the sector
Solvency 70.7% 37.2%
better than 78% of 1395 sector peers
Net result €-9k €46k
better than 16% of 1394 sector peers
Equity €130k €362k
better than 32% of 1395 sector peers
Gross operating margin €30k €66k
better than 35% of 1393 sector peers
Employees (FTE) 0.0 0.0
better than 35% of 420 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Net profit
€-9k
- far below sector median
Total assets
€185k
-13.5% -83% vs sector
Equity
€130k
-6.5% -74% vs sector
Employees (FTE)
0
- 18-24
Staff costs
€0
- -100% vs sector
Income taxes
€136
-89.3% -98% vs sector
Debt
€54k
-26.6% -91% vs sector
Debt ≤ 1y
€31k
-11.5% -70% vs sector
Debt > 1y
€21k
-44.4% -95% vs sector
Solvency
70.7%
+8.0% +26% vs sector
ROE
-7.0%
- far below sector median
ROA
-4.9%
- far below sector median
Figures by fiscal year
Fiscal year2024
Revenuen/a
EBITDAn/a
Net profit€-9k
Cash flown/a
Staff costs-
Income taxes€136
Dividends-
Total assets€185k
Equity€130k
Debt€54k
of which ≤ 1y€31k
of which > 1y€21k
Working capitaln/a
Employees (FTE)0.0
Ratios (computed)
2024
Current ration/a
Quick ration/a
Working capital ration/a
Solvency70.7%
Debt / equityn/a
Long-term debt ration/a
Interest coveragen/a
Gross marginn/a
Net marginn/a
ROA-4.9%
ROE-7.0%
EBITDA marginn/a
Days sales outstandingn/a
Days payable outstandingn/a
Inventory turnovern/a
Days inventory (DSI)n/a
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€185k
Fixed assets 21/28€64k
Tangible fixed assets 22/27€64k
Financial fixed assets 28€250
Current assets 29/58€121k
Amounts receivable within one year 40/41€19k
Investments 50/53€22k
Cash & bank 54/58€25k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€185k
Equity 10/15€130k
Contributions / capital 10/11€6k
Reserves 13€16k
Accumulated profits (losses) 14€108k
Amounts payable 17/49€54k
Amounts payable after one year 17€21k
Amounts payable within one year 42/48€31k
Trade debts payable within one year 44€5k
Income statement
Gross operating margin 9900€30k
Operating result 9901€-7k
Financial income 75€101
Financial charges 65€2k
Result before taxes 9903€-9k
Income taxes 67/77€136
Net result for the period 9904€-9k
Result to be appropriated 9905€-9k
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2024 · computed
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.

Structure & network

Locations & real estate

Registered office

on the map · from the address register
seat.Municipality exact location from the address register

Establishment units

1 location
aRCHITECten-collectief
Wijnbergstraat 63, 8560 WevelgemManagementsactiviteiten van holdings : tussenkomen in het dagelijks bestuur, vertegenwoordigen van bedrijven op grond van bezit van of controle over het maatschappelijk kapitaal, enz.
since 20152.246.805.456
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area920 m²
Buildings1
Building footprint235 m²
Volume (LiDAR)1,593 m³
Tallest building8.3 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels 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.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
34302B0556/00W000 Flanders 920 m² 1 · 235 m² 8.3 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Analysis

Snowflake analysis

financial profile on 5 axes
Health0Profitability0Solvency100Growth32Stability100
46 / 100

Mixed profile: strong on solvency, weaker on health.

Health 0
Profitability 0
Solvency 100
Growth 32
Stability 100

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

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Company registry

Company registry (CBE)

Crossroads Bank
Activities
Holdings64200Activiteiten van holdings64210
Primary activity highlighted.
Names & trade names
Legal nameNL CO-a
Registered office
Wijnbergstraat 63
8560 Wevelgem, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.