Age3 yrs
Real estate1 parcel · 271 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of CO&LU is 2.9% (moderate). The 2024 annual accounts show equity of €16k and a net result of €441. Its solvency ranks better than 28% of 3820 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 2 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone2.9%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Higher-failure-rate sector
+Annual accounts: weaker financial profile
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Signals
1 signal · with evidenceConsistently profitable
Positive net result in the two most recent financial years (2023 and 2024).
View the result trend Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Trust signals
3 signalsMore than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
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
Financials
Turnover€414k+13.6%
EBIT margin0.2%-3.9pp
Net result€441-97.0%
Working capital€-7k+75.5%
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 21-07-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 41, Construction of buildings · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 19.9% | 39.4% | |
| Net result | €441 | €9k | |
| Equity | €16k | €29k | |
| Gross operating margin | €110k | €26k | |
| Staff costs | €88k | €16k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€414k
+13.6%
23-24
€17k
-45.1%
+14% vs sector
€441
-97.0%
-96% vs sector
€17k
-45.7%
+29% vs sector
€82k
-26.9%
-52% vs sector
€16k
+2.8%
-86% vs sector
€-7k
+75.5%
far below sector median
€88k
+135.5%
far above sector median
€65k
-31.8%
+21% vs sector
€37k
-52.0%
-30% vs sector
€28k
+61.8%
-89% vs sector
0.82
+27.2%
-68% vs sector
0.82
+55.0%
-68% vs sector
19.9%
+40.7%
-71% vs sector
4.03
-33.7%
far above sector median
2.7%
-97.1%
-67% vs sector
0.5%
-95.9%
-69% vs sector
0.1%
-97.4%
23-24
4.1%
-51.7%
23-24
48.14
-49.6%
far above sector median
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Revenue | €414k |
| EBITDA | €17k |
| Net profit | €441 |
| Cash flow | €17k |
| Staff costs | €88k |
| Income taxes | - |
| Dividends | - |
| Total assets | €82k |
| Equity | €16k |
| Debt | €65k |
| of which ≤ 1y | €37k |
| of which > 1y | €28k |
| Working capital | €-7k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 0.82 |
| Quick ratio | 0.82 |
| Working capital ratio | -8.4% |
| Solvency | 19.9% |
| Debt / equity | 4.03 |
| Long-term debt ratio | 1.72 |
| Interest coverage | 48.14 |
| Gross margin | 26.5% |
| Net margin | 0.1% |
| ROA | 0.5% |
| ROE | 2.7% |
| EBITDA margin | 4.1% |
| Days sales outstanding | 11d |
| Days payable outstanding | 32d |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €82k |
| Fixed assets | 21/28 | €51k |
| Tangible fixed assets | 22/27 | €51k |
| Financial fixed assets | 28 | €282 |
| Current assets | 29/58 | €31k |
| Amounts receivable within one year | 40/41 | €19k |
| Cash & bank | 54/58 | €11k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €82k |
| Equity | 10/15 | €16k |
| Contributions / capital | 10/11 | €1k |
| Accumulated profits (losses) | 14 | €15k |
| Amounts payable | 17/49 | €65k |
| Amounts payable after one year | 17 | €28k |
| Amounts payable within one year | 42/48 | €37k |
| Trade debts payable within one year | 44 | €27k |
| Income statement | ||
| Turnover | 70 | €414k |
| Gross operating margin | 9900 | €110k |
| Operating result | 9901 | €797 |
| Financial charges | 65 | €356 |
| Result before taxes | 9903 | €441 |
| Net result for the period | 9904 | €441 |
| Result to be appropriated | 9905 | €441 |
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan.
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Ratios computed by Checked.
Health barometer
FY 2024 · computed43
/ 100
Weak
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Structure & network
Locations & real estate
Establishment units
1 locationCO&LU
since 20222.336.374.365
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area271 m²
Buildings1
Building footprint54 m²
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
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53020D0146/00G002 | Wallonia | 271 m² | 1 · 54 m² | - |
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 axes48
/ 100
Mixed profile: strong on stability, weaker on profitability.
Health
43
Profitability
20
Solvency
20
Growth
61
Stability
94
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Credit advice
verdict per customer and amountSimilar
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Company registry (CBE)
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Primary activity highlighted.
Names & trade names
| Legal nameNL | CO&LU |
Registered office
Rue Mirliton 38
7370 Dour, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.