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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

CO-TERRE has been active since 1982 and the Belgian State Gazette contains no insolvency or warning signals. 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 computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisWatch ReportCompare
CO-TERREActiveChecked score 55/100
Risk analysis ReportCompare

Overview

What they do
Machining of metals
NACE 25530Manufacture of fabricated metal products, except machinery and equipment NACE 25620Joinery installation NACE 43320
2 sites
How big
€1.6mtotal assets 2025
Staff
12.8 FTE
Equity
€332,718
Loss
-€72,212
Financially healthy?
55 Fair Checked score 2025
Bankruptcy chance 12 m
0.2%
Who decides
Parent
Groupe Terre asbl · 99.98%
Holdings
1
Accounts filed 24 d late0 of 17 deeds read
Why 55- Higher-failure-rate sector- Multiple establishment units- Higher-failure-rate region- Weak solvency vs sector+ Lower-risk legal form+ Long track recordFiled after the deadlineShow the evidence

Checked score

Score 2025
55 / 100
Fair
Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability25▼-41
Solvency46▼-3
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18,000 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.
Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-risk legal form
Companies with this legal form statistically fail less often than a BV.
KBO · legal form
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 43 years 0 50 y
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 25
Relative position
BE, all sectors
reference
Manufacture of fabricated metal products, except machinery and equipment (NACE 25)
about 50% more bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Multiple establishment units
Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.
KBO · establishment units
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
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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