CO & CA
ActiveSummary
The computed 12-month bankruptcy probability of CO & CA is 3.0% (moderate). The 2024 annual accounts show equity of €19k and a net result of €3k. Equity is growing by ~18.4% per year across the filed fiscal years. Its solvency ranks better than 13% of 9982 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability69▲+47
Solvency26=
Growth78=
Track record100
Bankruptcy probability, 12 months
3.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity tight (current ratio 1.31 against 1.27 in 2023; short-term debt: 76% and cash: 9.6% of total assets), and 99.3% of the assets are financed with debt.
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Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
0.7%
Return on assets
0.1%
Age of the figures
24 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 9982 sector peers (2024).
NBB · sector comparisonPosition among 9982 sector peers
Solvency
better than 13%
← weakest
strongest →
raises risk · Annual accounts not filed
The financial year that closed on 30-09-2025 was due at the National Bank by 30-04-2026. Nothing is on record, 148 days later.
NBB · 5 filingsPosition against the passed deadline
30-09-2025 close30-04-2026 deadline25-09-2026 today
raises risk · Filed more than 90 days late
The financial year that closed on 30-09-2024 was due by 30-04-2025 and was filed on 13-11-2025, 197 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 5 filingsDeviation from the deadline
2025
not filed
2024
197 d late
2023
562 d late
2022
17 d late
2021
111 d late
2020
34 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€19k▲ 17.4%
2023 · €16k
Total assets
€2.88M▼ 4.3%
2023 · €3.01M
Net result
€3k
2023 · €-4k
Working capital
€686k▲ 8.5%
2023 · €632k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€-11k-€25k€3k▼ 87.5%€905▼ 70.7%€2k▲ 176%
Net result€-10k-€10k€2k▼ 77.2%€-4k€3k
Equity€9k-€19k▲ 102%€25k▲ 32.7%€16k▼ 35.4%€19k▲ 17.4%
Total assets€2.46M-€2.91M▲ 18.4%€3.22M▲ 10.7%€3.01M▼ 6.5%€2.88M▼ 4.3%
Debt€2.24M-€2.68M▲ 19.7%€2.98M▲ 11.1%€2.78M▼ 6.7%€2.64M▼ 4.9%
Working capital€623k-€634k▲ 1.6%€641k▲ 1.2%€632k▼ 1.5%€686k▲ 8.5%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 176% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €2.88M
Fixed assets
€6k ▼ 17.2%
Current assets
€2.87M ▼ 4.2%
Equity and liabilities €2.88M
Equity
€19k ▲ 17.4%
Provisions
€219k ▲ 2.2%
Debt
€2.64M ▼ 4.9%
Debt's share of the balance-sheet total falls from 92.3% to 91.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€4k▲
2023 · €2k
Cash flow
€4k▲
2023 · €-3k
Current ratio
1.31▲
2023 · 1.27
ROE
14.8%▲
2023 · -23.4%
ROA
0.1%▲
2023 · -0.1%
Interest coverage
35.14▲
2023 · 0.42
Debt ≤ 1 year
€2.19M▼
2023 · €2.37M
Debt > 1 year
€409k=
2023 · €409k
Income taxes
€996▲
2023 · €459
Staff costs
€0▼
2023 · €133
A ratio outside any meaningful range has been withheld (balance sheet total €2.88M, equity €19k).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €31k | €24k | €133 | €0 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1k | €992 | €593 | €1k | €1k | ▲ 10.9% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €5k | - |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | €5k | €0 | €5k | - |
| Other operating charges640/8 | €10k | €3k | €297 | €2k | €164k | ▲ 8,515% |
| Non-recurring operating charges66A | - | €52 | €183 | €0 | - | - |
| Gross operating margin9900 | - | €60k | €34k | €4k | €178k | ▲ 4,224% |
| Operating profit (loss)9901 | €-11k | €25k | €3k | €905 | €2k | ▲ 176% |
| Financial income75/76B | €914 | €0 | €2 | €721 | €1k | ▲ 102% |
| Recurring financial income75 | €914 | €0 | €2 | €721 | €1k | ▲ 102% |
| Financial charges65/66B | €24 | €5k | €95 | €5k | €108 | ▼ 97.8% |
| Recurring financial charges65 | €24 | €5k | €95 | €5k | €108 | ▼ 97.8% |
| Profit (loss) for the period before taxes9903 | €-10k | €20k | €3k | €-3k | €4k | ▲ 214% |
| Income taxes67/77 | €274 | €10k | €800 | €459 | €996 | ▲ 117% |
| Profit (loss) for the period9904 | €-10k | €10k | €2k | €-4k | €3k | ▲ 174% |
| Profit (loss) for the period to be appropriated9905 | €-10k | €10k | €2k | €-4k | €3k | ▲ 174% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.46M | €2.91M | €3.22M | €3.01M | €2.88M | ▼ 4.3% |
| Fixed assets21/28 | €4k | €3k | €7k | €8k | €6k | ▼ 17.2% |
| Tangible fixed assets22/27 | €4k | €3k | €6k | €7k | €6k | ▼ 18.7% |
| Furniture and vehicles24 | €588 | €2 | €1k | €848 | €406 | ▼ 52.1% |
| Other tangible fixed assets26 | €3k | €3k | €5k | €6k | €5k | ▼ 14.1% |
| Financial fixed assets28 | €206 | €595 | €595 | €595 | €595 | = |
| Current assets29/58 | €2.45M | €2.91M | €3.21M | €3.00M | €2.87M | ▼ 4.2% |
| Amounts receivable within one year40/41 | €2.06M | €2.55M | €2.89M | €2.61M | €2.50M | ▼ 4.1% |
| Trade receivables40 | €1.55M | €1.86M | €2.09M | €1.84M | €798k | ▼ 56.6% |
| Other amounts receivable41 | €506k | €693k | €802k | €767k | €1.70M | ▲ 122% |
| Current investments50/53 | - | €96k | - | €98k | €98k | = |
| Cash at bank and in hand54/58 | €396k | €261k | €318k | €297k | €276k | ▼ 6.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.46M | €2.91M | €3.22M | €3.01M | €2.88M | ▼ 4.3% |
| Equity10/15 | €9k | €19k | €25k | €16k | €19k | ▲ 17.4% |
| Contributions10/11 | €14k | €14k | €14k | €14k | €14k | = |
| Capital10 | €14k | €14k | - | - | - | - |
| Issued capital100 | €14k | €14k | - | - | - | - |
| Outside capital11 | - | - | €14k | - | - | - |
| Other1109/19 | - | - | €14k | - | - | - |
| Reserves13 | €5k | €5k | €11k | €7k | €7k | = |
| Non-distributable reserves130/1 | €1k | €1k | €1k | €1k | €1k | = |
| Reserves not available under the articles1311 | €1k | €1k | €1k | €1k | €1k | = |
| Distributable reserves133 | €4k | €4k | €10k | €6k | €6k | = |
| Profit (loss) carried forward14 | €-10k | €0 | - | €-4k | €-2k | ▲ 65.3% |
| Provisions and deferred taxes16 | €209k | €209k | €214k | €214k | €219k | ▲ 2.2% |
| Provisions for liabilities and charges160/5 | €209k | €209k | €214k | €214k | €219k | ▲ 2.2% |
| Environmental obligations163 | - | - | €214k | - | - | - |
| Other liabilities and charges164/5 | €209k | €209k | - | €214k | €219k | ▲ 2.2% |
| Amounts payable17/49 | €2.24M | €2.68M | €2.98M | €2.78M | €2.64M | ▼ 4.9% |
| Amounts payable after more than one year17 | €409k | €409k | €409k | €409k | €409k | = |
| Financial debts170/4 | €409k | €409k | €409k | €409k | €409k | = |
| Amounts payable within one year42/48 | €1.83M | €2.27M | €2.57M | €2.37M | €2.19M | ▼ 7.6% |
| Financial debts43 | €145k | €154k | €145k | €145k | €145k | = |
| Credit institutions430/8 | - | €9k | €72 | €0 | - | - |
| Other loans439 | €145k | €145k | €145k | €145k | €145k | = |
| Trade debts44 | €1.25M | €1.33M | €1.46M | €1.47M | €1.68M | ▲ 14.5% |
| Suppliers440/4 | €1.25M | €1.33M | €1.46M | €1.47M | €1.68M | ▲ 14.5% |
| Advances received on contracts in progress46 | €305k | €305k | €305k | €305k | €305k | = |
| Taxes, remuneration and social security45 | €9k | €20k | €23k | €61k | €24k | ▼ 61.2% |
| Taxes450/3 | €4k | €15k | €16k | €54k | €17k | ▼ 69.2% |
| Remuneration and social security454/9 | €5k | €5k | €7k | €7k | €7k | = |
| Other amounts payable47/48 | €123k | €464k | €641k | €391k | €35k | ▼ 91.1% |
| Accrued charges and deferred income492/3 | - | - | - | - | €45k | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-10k | €10k | €2k | €-4k | €3k | ▲ 174% |
| + Depreciation and write-downs630 | €1k | €992 | €593 | €1k | €1k | ▲ 10.9% |
| Operating cash flow (approximation) | €-9k | €11k | €3k | €-3k | €4k | ▲ 256% |
| Investment in fixed assets (approximation) | - | €-389 | €-4k | €-2k | €0 | ▲ 100% |
| Change in cash | - | €-135k | €57k | €-21k | €-21k | ▲ 0.6% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
2025
28-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 111 days late
28-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 34 days late
13-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 197 days late
13-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 562 days late
2024
30-09
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
2023
17-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
2022
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 111 days late
2021
30-09
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
03-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 34 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
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, Houyet · 2 establishment units since 2019
Ground area
2,166 m²
Building footprint
438 m²
Volume, LiDAR
1,853 m³
2 parcels, Flanders, Wallonia · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
CO & CA
since 20192.302.467.323
CO & Ca
since 20212.327.400.578
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23077C0023/00D000 | Flanders | 1,715 m² | 1 · 381 m² | 7.9 m · 2 fl. |
| 91133A0526/00L000 | Wallonia | 450 m² | 1 · 56 m² | - |
Linked by address, not proof of ownership
Good to know
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 29,787 companies in sector 41001 we hold annual accounts for 16,036. 11,438 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded03-04-2019
Fiscal year end30-09
Activities, NACEBEL 2025
41001General construction of residential buildings
Scores and ratios are computed by Checked and are not a credit decision.