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CO-TERRE

Active
Cooperative companyfounded 198243 yrs activeProlongement de l'Abbaye 25, 4040 Herstal, BelgiumKBO/BCE: BE 0423.184.076
Summary

The computed 12-month bankruptcy probability of CO-TERRE is 1.7% (moderate). The 2025 annual accounts show equity of €332,718 and a net result of -€72,212. Equity is growing by ~6.2% per year across the filed fiscal years. Its solvency ranks better than 20% of 1127 sector peers (fiscal year 2025). The company has been active since 1982 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
CO-TERREActiveChecked score 53/100
Risk analysis ReportCompare

Overview

Activity
Machining of metals
NACE 25530Manufacture of fabricated metal products, except machinery and equipment NACE 25620Joinery installation NACE 43320
2 sites
Size
€1.6mtotal assets 2025
Staff
12.8 FTE
Equity
€332,718
Loss
-€72,212
Financial health
53 Fair Checked score 2025
Bankruptcy chance 12 m
1.7%
Structure
Parent
Groupe Terre asbl · 99.98%
Holdings
1
Accounts filed 24 d late0 of 17 deeds read
Why 53- Equity €332,718 (21.0% of total assets)- Sector Manufacture of fabricated metal products, except machinery and equipment (NACE 25)- Size: 12.8 FTE, total assets €1.6m- 1 change of registered office in 24 monthsShow the evidence

Checked score

Score 2025
53 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 25% of its sector peers (NACE 25, small)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 46-3
equity 21.0% of total assets
Liquidity 48-2
short-term debt 36.1% · cash 11.6%
Profitability 25-41
return on assets -4.6%
Bankruptcy probability, 12 months
1.7% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.3% (747 companies)
Last 12 months 11-2025: 1.1%lowest value 12-2025: 1.1%● 0.0% vs 11-2025lowest value 01-2026: 1.1%● 0.0% vs 12-2025lowest value 02-2026: 1.1%● 0.0% vs 01-2026lowest value 03-2026: 1.1%● 0.0% vs 02-2026lowest value 04-2026: 1.1%▲ +4.6% vs 03-2026 05-2026: 1.3%▲ +18.9% vs 04-2026 06-2026: 1.3%▼ -4.1% vs 05-2026 07-2026: 1.3%▲ +4.1% vs 06-2026 08-2026: 2.2%▲ +62.0% vs 07-2026highest value 09-2026: 1.7%▼ -18.9% vs 08-2026 10-2026: 1.7%● 0.0% vs 09-2026
  • Equity €332,718 (21.0% of total assets) raises the probability
  • Sector Manufacture of fabricated metal products, except machinery and equipment (NACE 25) raises the probability
  • Size: 12.8 FTE, total assets €1.6m raises the probability for this profile
  • 1 change of registered office in 24 months raises the probability
Credit up to €17,000 at 30 days acceptable
Liquidity tight (current ratio 1.09 against 1.34 in 2024; short-term debt: 36.1% and cash: 11.6% of total assets), and 79% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 25, small). Better than this share of them on solvency 20%, liquidity 54%, profitability 12%, growth against the median 12%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Equity €332,718 (21.0% of total assets)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Sector Manufacture of fabricated metal products, except machinery and equipment (NACE 25)
In the bankruptcy model this factor raises the probability.
KBO
raises risk · Size: 12.8 FTE, total assets €1.6m
In the bankruptcy model this factor raises the probability for this profile.
NBB · annual accounts
raises risk · 1 change of registered office in 24 months
In the bankruptcy model this factor raises the probability.
Belgian State Gazette
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 1127 sector peers (2025).
NBB · sector comparison
Position among 1127 sector peers
Solvency
better than 20%
← weakest strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filings
Deviation from the deadline
2025
24 d late
2024
28 d late
2023
14 d early
2022
12 d early
2021
44 d early
2020
46 d early
2019
2 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 9 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 19 July (4 of the last 5 filed years within 36 days of that day).
Companies Code · seven months
Position in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Annual accounts filedfiscal year 2024 · full…
  3. Annual accounts filedfiscal year 2023 · full…

Key points

  • Caution: From profit to loss in 2025after €40,523 in 2024 -€72,212 View
  • Caution: Among the weakest 8% on net resultsector median €45,024 · 1,127 companies -€72,212 View
  • Controlled by Groupe Terre asblknown shareholders 100% 99.98% View

By topic

Financials

Fiscal year
2025
Total assets
€1.6m
Loss
-€72,212
Solvency
21.0%
Total assets▼ 4.9%
Net result
20182025
Go to Financials

Timeline

Events
14
Since
2017
Next accounts
by 31-07-2027
  1. 24-08-2026Annual accounts filed
  2. 28-08-2025Annual accounts filed
  3. 17-07-2024Annual accounts filed
Go to Timeline

Company details

Sites
2
Legal form
Cooperative company
Activity
Machining of metalsNACE 25530
Founded
19-11-1982
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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