Co4Life
ActiveSummary
The annual accounts of Co4Life for fiscal year 2025 show a net loss of 333% of the equity at the start of that year. The 2025 annual accounts show equity of €124k and a net result of €-137k. Equity is growing by ~4.9% per year across the filed fiscal years. Its solvency ranks better than 13% of 9460 sector peers (fiscal year 2025). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
50
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability12▼-23
Solvency32▲+5
Growth52▲+20
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.48 against 0.59 in 2024; short-term debt: 11.1% and cash: 0.4% of total assets), and 92.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 9460 sector peers (2025).
NBB · sector comparisonPosition among 9460 sector peers
Solvency
better than 13%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
on the day
2022
33 d early
2021
4 d early
2020
1 d early
2019
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€124k▲ 200%
2024 · €41k
2018: €51k
2019: €69k
2020: €100k
2021: €97k
2022: €78k
2023: €75k
2024: €41k
2018 → 2025
Total assets
€1.74M▲ 0.7%
2024 · €1.73M
2018: €210k
2019: €222k
2020: €1.50M
2021: €1.98M
2022: €1.89M
2023: €1.79M
2024: €1.73M
2018 → 2025
Net result
€-137k▼ 304%
2024 · €-34k
2018: €6k
2019: €18k
2020: €31k
2021: €-2k
2022: €-20k
2023: €-9k
2024: €-34k
2018 → 2025
Working capital
€-100k▼ 14.4%
2024 · €-87k
2018: €41k
2019: €61k
2020: €-21k
2021: €27k
2022: €-42k
2023: €-77k
2024: €-87k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€97k-€78k▼ 20.2%€75k▼ 3.3%€41k▼ 45.2%€124k▲ 200%
Operating result€15k-€9k▼ 38.9%€34k▲ 262%€11k▼ 66.1%€-87k
Net result€-2k-€-20k▼ 695%€-9k▲ 55.4%€-34k▼ 288%€-137k▼ 304%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €87k after €11k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.74M
Fixed assets
€1.65M ▲ 2.6%
Current assets
€94k ▼ 24.8%
Equity and liabilities €1.74M
Equity
€124k ▲ 200%
Debt
€1.62M ▼ 4.2%
Debt's share of the balance-sheet total falls from 97.6% to 92.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€20k▼
2024 · €119k
Cash flow
€-30k▼
2024 · €73k
Current ratio
0.48▼
2024 · 0.59
Quick ratio
0.47▼
2024 · 0.58
Debt to equity
13.07▼
2024 · 40.96
ROE
-111.1%▼
2024 · -82.6%
ROA
-7.9%▼
2024 · -2.0%
Interest coverage
0.40▼
2024 · 2.29
Debt ≤ 1 year
€194k▼
2024 · €212k
Debt > 1 year
€1.42M▼
2024 · €1.47M
Income taxes
€292▲
2024 · €0
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 57 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.73M€1.74M▲
Fixed assets21/28€1.60M€1.65M▲
Intangible fixed assets21€39k€34k▼
Tangible fixed assets22/27€1.45M€1.61M▲
Land and buildings22€1.42M€1.59M▲
Plant, machinery and equipment23€23k€17k▼
Furniture and vehicles24€626€4k▲
Leasing and similar rights25€9k€0▼
Financial fixed assets28€113k€2k▼
Current assets29/58€125k€94k▼
Stocks and contracts in progress3€2k€2k=
Stocks30/36€2k€2k=
Amounts receivable within one year40/41€80k€33k▼
Trade receivables40€80k€33k▼
Other amounts receivable41€8€0▼
Cash at bank and in hand54/58€11k€7k▼
Deferred charges and accrued income490/1€32k€52k▲
Equity and liabilities
Total equity and liabilities10/49€1.73M€1.74M▲
Equity10/15€41k€124k▲
Contributions10/11€19k€19k=
Revaluation surpluses12-€220k
Reserves13€52k€52k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132€6k€6k=
Distributable reserves133€46k€46k=
Profit (loss) carried forward14€-30k€-167k▼
Amounts payable17/49€1.69M€1.62M▼
Amounts payable after more than one year17€1.47M€1.42M▼
Financial debts170/4€1.45M€1.40M▼
Other amounts payable178/9€15k€20k▲
Amounts payable within one year42/48€212k€194k▼
Current portion of amounts payable after more than one year42€87k€86k▼
Financial debts43€4k€3k▼
Credit institutions430/8€4k€3k▼
Trade debts44€51k€27k▼
Suppliers440/4€51k€27k▼
Taxes, remuneration and social security45€9k€19k▲
Taxes450/3€9k€19k▲
Other amounts payable47/48€61k€59k▼
Accrued charges and deferred income492/3€6k€3k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€107k€107k▼
Other operating charges640/8€1k€4k▲
Non-recurring operating charges66A-€130k
Gross operating margin9900€120k€154k▲
Operating profit (loss)9901€11k€-87k▼
Financial income75/76B€6k€0▼
Recurring financial income75€6k€0▼
Financial charges65/66B€52k€50k▼
Recurring financial charges65€52k€50k▼
Profit (loss) for the period before taxes9903€-34k€-137k▼
Income taxes67/77€0€292▲
Profit (loss) for the period9904€-34k€-137k▼
Profit (loss) for the period to be appropriated9905€-34k€-137k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-43k€-167k▼
Profit (loss) brought forward from the previous period14P€-9k€-30k▼
Transfer from equity791/2€13k€0▼
The notes to these accounts (23 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €-137k
Net result drops to €-137k, the lowest in the series.
30-09
Financial
Equity above €100kEq €124k ▲200%
Equity rises from €41k to €124k.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Highest result since 2018net €31k ▲65.7%
Operating result €43k, net result €31k, both a record.
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Maarkedal · 2 establishment units since 2007
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Arthur Odevaertstraat 19688 MaarkedalGround area
4,166 m²
Building footprint
427 m²
Volume, LiDAR
2,628 m³
2 parcels, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Co4Life
since 20072.165.714.842
UR Gent
since 20212.316.426.118
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45044C0848/00E000 | Flanders | 2,365 m² | 1 · 175 m² | 7.4 m · 2 fl. |
| 44808H0670/00K002 | Flanders | 1,801 m² | 1 · 252 m² | 9.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 19,026 EUR awarded · 19,026 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 6,840 EUR | 6,840 EUR |
| 2024 | 1 | 5,130 EUR | 5,130 EUR |
| 2023 | 1 | 4,365 EUR | 4,365 EUR |
| 2022 | 1 | 2,691 EUR | 2,691 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteMaarkedal2.165.714.842
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Of 18,255 companies in sector 71111 we hold annual accounts for 6,321. 5,428 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-10-2007
Fiscal year end30-09
Activities, NACEBEL 2025
71111Activities of building architects
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
5 entriesWebsite:www.co4life.be
E-mail:co4life@telenet.be
Website:www.ur.zone
E-mail:welcome@ur.zone
Phone:093951723