COBBY CONSULTING
ActiveCOBBY CONSULTING has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7k and a net result of €28k. Equity is shrinking by ~25.2% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 16% of 31545 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
65
/ 100
Healthy▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency19▼-12
Growth58=
Stability94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.08 against 1.21 in 2024), and 90.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
9.6%
Return on assets
39.5%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 31545 sector peers (2025).
NBB · sector comparisonPosition among 31545 sector peers
Solvency
better than 16%
← 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 25-08-2026, 25 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 · 5 filingsDeviation from the deadline
2025
25 d late
2024
22 d early
2023
29 d late
2022
61 d late
2021
61 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€7k▼ 63.1%
2024 · €19k
2021: €21k
2022: €60k
2023: €19k
2024: €19k
2021 → 2025
Total assets
€71k▼ 20.7%
2024 · €90k
2021: €39k
2022: €88k
2023: €94k
2024: €90k
2021 → 2025
Net result
€28k▼ 28.3%
2024 · €39k
2021: €19k
2022: €39k
2023: €18k
2024: €39k
2021 → 2025
Working capital
€5k▼ 63.9%
2024 · €15k
2021: €19k
2022: €55k
2023: €14k
2024: €15k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€21k-€60k▲ 186%€19k▼ 67.7%€19k▼ 3.4%€7k▼ 63.1%
Operating result€24k-€59k▲ 145%€24k▼ 59.8%€50k▲ 112%€35k▼ 30.9%
Net result€19k-€39k▲ 105%€18k▼ 53.2%€39k▲ 116%€28k▼ 28.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 31% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €71k
Fixed assets
€2k▼ 60.2%
Current assets
€70k▼ 18.9%
Equity and liabilities €71k
Equity
€7k▼ 63.1%
Debt
€65k▼ 9.6%
The debt ratio rises from 79.3% to 90.4%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€37k▼
2024 · €53k
Cash flow
€31k▼
2024 · €42k
Solvency
9.6%▼
2024 · 20.7%
Current ratio
1.08▼
2024 · 1.21
Quick ratio
1.08▼
2024 · 1.21
Debt / equity
9.38▲
2024 · 3.83
ROE
409.5%▲
2024 · 210.6%
ROA
39.5%▼
2024 · 43.6%
Interest coverage
405.25▼
2024 · 470.26
Debt
€65k▼
2024 · €71k
Debt ≤ 1 year
€65k▼
2024 · €71k
Income taxes
€8k▼
2024 · €11k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€90k€71k▼
Fixed assets21/28€4k€2k▼
Tangible fixed assets22/27€4k€2k▼
Land and buildings22€1k€879▼
Furniture and vehicles24€3k€696▼
Current assets29/58€86k€70k▼
Amounts receivable within one year40/41€28k€59k▲
Trade receivables40€16k€32k▲
Other amounts receivable41€12k€27k▲
Cash at bank and in hand54/58€56k€10k▼
Deferred charges and accrued income490/1€2k€825▼
Equity and liabilities
Total equity and liabilities10/49€90k€71k▼
Equity10/15€19k€7k▼
Contributions10/11€2k€2k=
Profit (loss) carried forward14€17k€5k▼
Amounts payable17/49€71k€65k▼
Amounts payable within one year42/48€71k€65k▼
Trade debts44€4k€4k▼
Suppliers440/4€4k€4k▼
Taxes, remuneration and social security45€26k€25k▼
Taxes450/3€26k€25k▼
Other amounts payable47/48€41k€36k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€665€809▲
Gross operating margin9900€54k€38k▼
Operating profit (loss)9901€50k€35k▼
Financial income75/76B€8€1k▲
Recurring financial income75€8€1k▲
Financial charges65/66B€114€92▼
Recurring financial charges65€114€92▼
Profit (loss) for the period before taxes9903€50k€36k▼
Income taxes67/77€11k€8k▼
Profit (loss) for the period9904€39k€28k▼
Profit (loss) for the period to be appropriated9905€39k€28k▼
Appropriation of the result
Profit (loss) to be appropriated9906€57k€45k▼
Profit (loss) brought forward from the previous period14P€17k€17k▼
Profit to be distributed694/7€40k€40k=
Return on contributions (dividend)694€40k€40k=
The notes to these accounts (5 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €39k ▲116%
Net result €39k, the highest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €18k ▼53.2%
Net result drops to €18k, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 61 days late
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Grimbergen · 1 establishment unit since 2021
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.
Kolveniersstraat 271853 GrimbergenGround area
316 m²
Building footprint
91 m²
Volume, LiDAR
613 m³
Parcel 23084B0071/00A023, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
COBBY CONSULTING
since 20212.320.759.048
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23084B0071/00A023 | Flanders | 316 m² | 1 · 91 m² | 9.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,241 companies in sector 70200 we hold annual accounts for 52,391. 18,802 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-08-2021
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
62020IT consultancy
62200Computer consultancy and computer facilities management
74201Photography, excluding press photography
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.