Equity
€123,541 ▲ 45.3%
CO-QUOTI paid out €833 in dividends. That is 2% of the 2025 profit.
CO-QUOTI
Lifetime
3 annual accounts with figures on one time axispeak €632,766 (2024)
€520,518▼ 17.7%
peak €172,104 (2024)
€39,333▼ 77.1%
peak €123,541 (2025)
€123,541▲ 45.3%
€323,624▼ 10.8%
Board1 name since 2023
1 director
Documentsfilings and deeds
28-01-20263 days before the deadline
2025micro format
Gross margin from €632,766 to €520,518Result from €172,104 to €39,333Dividend €833Equity from €85,041 to €123,541Investments €50,085
Key points
from the 2025 annual accountsResult
€39,333 ▼ 77.1%
The result fell in 2025 from €172,104 to €39,333.
Turnover
≈ €2.2m estimated
The micro format states no turnover.
Debts
€323,624 72% of the balance sheet
Financial debts 9%Suppliers 38%Taxes and wages 27%Other 26%
Of this, €223,518 falls due within a year.
Investments
€55,328 4.4 × depreciation
Green is investment, beige is depreciation.
Position in the sector
€39,333
Higher net result than 85% of companies in retail trade. Sector median €4,763 · 25,208 companies.
Checked score
Bankruptcy probability within 12 months
Financial strength
Score breakdown
Comparable companies, two years later
In July 2024, 2,614 companies had the same profile as CO-QUOTI has now. Each dot stands for 7 companies, two years later.
97.3%
were still trading
2.0%
stopped another way
0.7%
went bankrupt
Test of the method
The method was tested on the 497,762 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,614 companies, not a prediction for CO-QUOTI. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Recent changes
Change of role: , from manager to director
Director discharge: (manager) · General meeting of 08-05-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0475268722
New establishment in Wavre
Le Pain Quotidien, Rue du Commerce 31
First establishment
Rue de Namur 13, Nivelles
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CO-QUOTI Nivelles | €447,165 | €520,518 | 27.6% | - |
| LES CHOCOLATS D'EDOUARD Florenville | €425,008 | €480,090 | -62.8% | 8.3 |
| JEAN DE BACKER Wavre | €549,667 | €446,550 | 17.4% | 7.8 |
| HET BAKKERSHUIS Alken | €555,492 | €467,942 | 85.0% | 8.8 |
| RIDDER & HOVE Kortrijk | €381,505 | €414,329 | 45.7% | - |
| Bread and Cook - Namur Namur | €411,939 | €581,686 | 42.9% | 12.6 |
| BAZI Anderlecht | €556,507 | €518,109 | 37.0% | 13.6 |
These companies have the same main activity as CO-QUOTI: retail sale of bread and pastry (bakery outlets) (NACE 47241). They are comparable in size and age: total assets between €382,000 and €557,000, founded between 1997 and 2007.
Official details
Source: KBO- Status
- Active since 11-07-2001Normal situation
- Activity
- Retail sale of bread and pastry (bakery outlets)NACE 47241and 2 others
- Establishment units
- 2.098.343.7881400 Nivelles, since 04-09-2001
- 2.338.054.4451300 Wavre, since 01-12-2022
- Financial year end
- 30 June
- Peppol
- Reachable since 08-12-2025
Annual accounts to 30-06-2025
- €447,165▼ 0.1%
- Employeeson 30-06-2025
- 21▲ 5.0%
- Filing
- Filed on 28-01-2026, 3 days before the end of the filing period
Insights on CO-QUOTI
CO-QUOTI files the micro format. That format states no turnover. The gross margin rose from €408,552 in 2023 to €520,518 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about CO-QUOTI
- What is the company number of CO-QUOTI?
- The company number of CO-QUOTI is 0475.268.722. The VAT number is the same number with BE in front: BE 0475.268.722.
- Where is CO-QUOTI based?
- The registered office is at Rue de Namur 13, 1400 Nivelles.Company details
- What does CO-QUOTI do?
- According to the KBO register, the main activity is retail sale of bread and pastry (bakery outlets) (NACE 47241).
- What is the legal form of CO-QUOTI?
- CO-QUOTI is a private limited company (BV).
- When was CO-QUOTI founded?
- CO-QUOTI was founded on 11-07-2001.
- Is CO-QUOTI still active?
- Yes, CO-QUOTI is an active enterprise in the KBO register.
- How many employees does CO-QUOTI have?
- CO-QUOTI had an average of 16.4 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of CO-QUOTI?
- The turnover in financial year 2025 is ≈ €2.2m. This figure is estimated from the gross margin of €520,518 and 48 comparable companies (NACE 472). It probably lies between €1.5m and €3.6m.
- Is CO-QUOTI profitable?
- In financial year 2025, CO-QUOTI made a profit of €39,333.
- Where can I find the annual accounts of CO-QUOTI?
- CO-QUOTI filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CO-QUOTI due?
- CO-QUOTI must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
Next steps
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