CO & CA
ActiveSummary
The computed 12-month bankruptcy probability of CO & CA is 3.1% (moderate). The 2024 annual accounts show equity of €19,242 and a net result of €2,848. Equity is growing by ~18.4% per year across the filed fiscal years. Its solvency ranks better than 13% of 9974 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
3.1%
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 9974 sector peers (2024).
NBB · sector comparisonPosition among 9974 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, 150 days later.
NBB · 5 filingsPosition against the passed deadline
30-09-2025 close30-04-2026 deadline27-09-2026 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 →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 184 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
In the rankings
#1 company by total assets in Houyet, Construction sector
Equity
€19,242▲ 17.4%
2023 · €16,394
Total assets
€2.9m▼ 4.3%
2023 · €3.0m
Net result
€2,848
2023 · -€3,837
Working capital
€685,789▲ 8.5%
2023 · €631,890
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-€11,113-€24,737€3,091▼ 87.5%€905▼ 70.7%€2,494▲ 176%
Net result-€10,498-€9,652€2,198▼ 77.2%-€3,837€2,848
Equity€9,482-€19,134▲ 102%€25,391▲ 32.7%€16,394▼ 35.4%€19,242▲ 17.4%
Total assets€2.5m-€2.9m▲ 18.4%€3.2m▲ 10.7%€3.0m▼ 6.5%€2.9m▼ 4.3%
Debt€2.2m-€2.7m▲ 19.7%€3.0m▲ 11.1%€2.8m▼ 6.7%€2.6m▼ 4.9%
Working capital€623,496-€633,752▲ 1.6%€641,419▲ 1.2%€631,890▼ 1.5%€685,789▲ 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 €2.9m
Fixed assets
€6,275 ▼ 17.2%
Current assets
€2.9m ▼ 4.2%
Equity and liabilities €2.9m
Equity
€19,242 ▲ 17.4%
Provisions
€219,225 ▲ 2.2%
Debt
€2.6m ▼ 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
€3,801▲
2023 · €2,084
Cash flow
€4,155▲
2023 · -€2,658
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
€2.2m▼
2023 · €2.4m
Debt > 1 year
€408,597=
2023 · €408,597
Income taxes
€996▲
2023 · €459
Staff costs
€0▼
2023 · €133
A ratio outside any meaningful range has been withheld (balance sheet total €2.9m, equity €19,242).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,600 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.
- Small
- 5 to 10 years old
- solvency under 10%
- a profit under 5% of the balance sheet
1.6%
went bankrupt
1.7%
stopped otherwise
96%
still going
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 3.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 1,600 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €30,916 | €24,474 | €133 | €0 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,113 | €992 | €593 | €1,179 | €1,307 | ▲ 10.9% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €5,465 | - |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | €5,025 | €0 | €4,745 | - |
| Other operating charges640/8 | €10,000 | €3,472 | €297 | €1,908 | €164,344 | ▲ 8,515% |
| Non-recurring operating charges66A | - | €52 | €183 | €0 | - | - |
| Gross operating margin9900 | - | €60,170 | €33,664 | €4,125 | €178,355 | ▲ 4,224% |
| Operating profit (loss)9901 | -€11,113 | €24,737 | €3,091 | €905 | €2,494 | ▲ 176% |
| Financial income75/76B | €914 | €0 | €2 | €721 | €1,458 | ▲ 102% |
| Recurring financial income75 | €914 | €0 | €2 | €721 | €1,458 | ▲ 102% |
| Financial charges65/66B | €24 | €4,675 | €95 | €5,004 | €108 | ▼ 97.8% |
| Recurring financial charges65 | €24 | €4,675 | €95 | €5,004 | €108 | ▼ 97.8% |
| Profit (loss) for the period before taxes9903 | -€10,224 | €20,062 | €2,999 | -€3,378 | €3,844 | ▲ 214% |
| Income taxes67/77 | €274 | €10,410 | €800 | €459 | €996 | ▲ 117% |
| Profit (loss) for the period9904 | -€10,498 | €9,652 | €2,198 | -€3,837 | €2,848 | ▲ 174% |
| Profit (loss) for the period to be appropriated9905 | -€10,498 | €9,652 | €2,198 | -€3,837 | €2,848 | ▲ 174% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.5m | €2.9m | €3.2m | €3.0m | €2.9m | ▼ 4.3% |
| Fixed assets21/28 | €4,038 | €3,434 | €7,049 | €7,582 | €6,275 | ▼ 17.2% |
| Tangible fixed assets22/27 | €3,831 | €2,839 | €6,454 | €6,987 | €5,680 | ▼ 18.7% |
| Furniture and vehicles24 | €588 | €2 | €1,291 | €848 | €406 | ▼ 52.1% |
| Other tangible fixed assets26 | €3,243 | €2,837 | €5,163 | €6,138 | €5,274 | ▼ 14.1% |
| Financial fixed assets28 | €206 | €595 | €595 | €595 | €595 | = |
| Current assets29/58 | €2.5m | €2.9m | €3.2m | €3.0m | €2.9m | ▼ 4.2% |
| Amounts receivable within one year40/41 | €2.1m | €2.5m | €2.9m | €2.6m | €2.5m | ▼ 4.1% |
| Trade receivables40 | €1.6m | €1.9m | €2.1m | €1.8m | €798,422 | ▼ 56.6% |
| Other amounts receivable41 | €505,726 | €693,172 | €801,547 | €767,172 | €1.7m | ▲ 122% |
| Current investments50/53 | - | €95,539 | - | €97,968 | €97,968 | = |
| Cash at bank and in hand54/58 | €396,200 | €261,059 | €317,672 | €296,956 | €276,359 | ▼ 6.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.5m | €2.9m | €3.2m | €3.0m | €2.9m | ▼ 4.3% |
| Equity10/15 | €9,482 | €19,134 | €25,391 | €16,394 | €19,242 | ▲ 17.4% |
| Contributions10/11 | €14,041 | €14,041 | €14,041 | €14,041 | €14,041 | = |
| Capital10 | €14,041 | €14,041 | - | - | - | - |
| Issued capital100 | €14,041 | €14,041 | - | - | - | - |
| Outside capital11 | - | - | €14,041 | - | - | - |
| Other1109/19 | - | - | €14,041 | - | - | - |
| Reserves13 | €5,039 | €5,093 | €11,350 | €6,715 | €6,715 | = |
| Non-distributable reserves130/1 | €1,088 | €1,088 | €1,088 | €1,088 | €1,088 | = |
| Reserves not available under the articles1311 | €1,088 | €1,088 | €1,088 | €1,088 | €1,088 | = |
| Distributable reserves133 | €3,951 | €4,004 | €10,262 | €5,626 | €5,626 | = |
| Profit (loss) carried forward14 | -€9,599 | €0 | - | -€4,362 | -€1,514 | ▲ 65.3% |
| Provisions and deferred taxes16 | €209,455 | €209,455 | €214,480 | €214,480 | €219,225 | ▲ 2.2% |
| Provisions for liabilities and charges160/5 | €209,455 | €209,455 | €214,480 | €214,480 | €219,225 | ▲ 2.2% |
| Environmental obligations163 | - | - | €214,480 | - | - | - |
| Other liabilities and charges164/5 | €209,455 | €209,455 | - | €214,480 | €219,225 | ▲ 2.2% |
| Amounts payable17/49 | €2.2m | €2.7m | €3.0m | €2.8m | €2.6m | ▼ 4.9% |
| Amounts payable after more than one year17 | €408,597 | €408,597 | €408,597 | €408,597 | €408,597 | = |
| Financial debts170/4 | €408,597 | €408,597 | €408,597 | €408,597 | €408,597 | = |
| Amounts payable within one year42/48 | €1.8m | €2.3m | €2.6m | €2.4m | €2.2m | ▼ 7.6% |
| Financial debts43 | €145,000 | €153,675 | €145,072 | €145,000 | €145,000 | = |
| Credit institutions430/8 | - | €8,675 | €72 | €0 | - | - |
| Other loans439 | €145,000 | €145,000 | €145,000 | €145,000 | €145,000 | = |
| Trade debts44 | €1.2m | €1.3m | €1.5m | €1.5m | €1.7m | ▲ 14.5% |
| Suppliers440/4 | €1.2m | €1.3m | €1.5m | €1.5m | €1.7m | ▲ 14.5% |
| Advances received on contracts in progress46 | €304,814 | €304,814 | €304,814 | €304,814 | €304,814 | = |
| Taxes, remuneration and social security45 | €9,098 | €20,107 | €23,039 | €61,423 | €23,840 | ▼ 61.2% |
| Taxes450/3 | €3,696 | €15,124 | €15,924 | €54,309 | €16,726 | ▼ 69.2% |
| Remuneration and social security454/9 | €5,401 | €4,983 | €7,114 | €7,114 | €7,114 | = |
| Other amounts payable47/48 | €123,282 | €464,438 | €641,272 | €391,219 | €34,718 | ▼ 91.1% |
| Accrued charges and deferred income492/3 | - | - | - | - | €45,000 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€10,498 | €9,652 | €2,198 | -€3,837 | €2,848 | ▲ 174% |
| + Depreciation and write-downs630 | €1,113 | €992 | €593 | €1,179 | €1,307 | ▲ 10.9% |
| Operating cash flow (approximation) | -€9,384 | €10,644 | €2,792 | -€2,658 | €4,155 | ▲ 256% |
| Investment in fixed assets (approximation) | - | -€389 | -€4,208 | -€1,712 | €0 | ▲ 100% |
| Change in cash | - | -€135,141 | €56,613 | -€20,716 | -€20,596 | ▲ 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.
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 €2,848
Net result €2,848 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 €9,652
Net result €9,652 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 16,042. 11,443 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
E-invoicing
Reachable via Peppol
Peppol ID
0208:0724469244
Also
9925:BE0724469244
Registered
17-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.