COBELEM
ActiveCOBELEM has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €156k and a net result of €8k. Equity is growing by ~25.9% per year across the filed fiscal years. Its solvency ranks better than 49% of 31510 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
86
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability26▼-29
Solvency93▲+1
Growth78=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 1.84 against 1.8 in 2024), and 45.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 →
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
54.6%
Return on assets
2.9%
Age of the figures
11 mo
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 23-03-2026, 38 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
38 d early
2024
57 d early
2023
34 d early
2022
34 d early
2021
33 d early
2020
35 d early
2019
58 d early
← before the deadline
after the deadline →
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
14-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€156k▲ 5.6%
2024 · €148k
2018: €6k
2019: €7k
2020: €4k
2021: €86k
2022: €99k
2023: €132k
2024: €148k
2018 → 2025
Total assets
€286k▲ 5.0%
2024 · €272k
2018: €37k
2019: €39k
2020: €36k
2021: €279k
2022: €268k
2023: €261k
2024: €272k
2018 → 2025
Net result
€8k▼ 49.3%
2024 · €16k
2018: €-11k
2019: €430
2020: €-2k
2021: €81k
2022: €13k
2023: €32k
2024: €16k
2018 → 2025
Working capital
€108k▲ 8.9%
2024 · €100k
2018: €-29k
2019: €-28k
2020: €-31k
2021: €46k
2022: €60k
2023: €92k
2024: €100k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€86k-€99k▲ 15.4%€132k▲ 32.8%€148k▲ 12.4%€156k▲ 5.6%
Operating result€-813-€18k€44k▲ 143%€24k▼ 45.2%€13k▼ 47.3%
Net result€81k-€13k▼ 83.8%€32k▲ 146%€16k▼ 49.9%€8k▼ 49.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 47% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €286k
Fixed assets
€48k▼ 1.3%
Current assets
€238k▲ 6.3%
Equity and liabilities €286k
Equity
€156k▲ 5.6%
Debt
€130k▲ 4.2%
The debt ratio falls from 45.7% to 45.4%: equity grows faster than debt.
Key figures and ratios
EBITDA
€14k▼
2024 · €25k
Cash flow
€10k▼
2024 · €17k
Solvency
54.6%▲
2024 · 54.3%
Current ratio
1.84▲
2024 · 1.80
Quick ratio
1.84▲
2024 · 1.80
Debt / equity
0.83▼
2024 · 0.84
ROE
5.3%▼
2024 · 11.0%
ROA
2.9%▼
2024 · 6.0%
Interest coverage
238.32▼
2024 · 432.61
Debt
€130k▲
2024 · €125k
Debt ≤ 1 year
€130k▲
2024 · €125k
Income taxes
€4k▼
2024 · €8k
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€272k€286k▲
Fixed assets21/28€48k€48k▼
Tangible fixed assets22/27€9k€9k▼
Furniture and vehicles24€3k€3k▲
Other tangible fixed assets26€7k€6k▼
Financial fixed assets28€39k€39k=
Current assets29/58€224k€238k▲
Amounts receivable within one year40/41€221k€238k▲
Trade receivables40€9k€25k▲
Other amounts receivable41€213k€212k▼
Cash at bank and in hand54/58€3k€397▼
Equity and liabilities
Total equity and liabilities10/49€272k€286k▲
Equity10/15€148k€156k▲
Contributions10/11€6k€6k=
Outside capital11€6k€6k=
Other1109/19€6k€6k=
Reserves13€141k€149k▲
Distributable reserves133€141k€149k▲
Profit (loss) carried forward14€603€851▲
Amounts payable17/49€125k€130k▲
Amounts payable within one year42/48€125k€130k▲
Trade debts44€563€174▼
Suppliers440/4€563€174▼
Taxes, remuneration and social security45€5k€9k▲
Taxes450/3€5k€9k▲
Other amounts payable47/48€119k€121k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€807€2k▲
Other operating charges640/8€1,000€394▼
Gross operating margin9900€26k€15k▼
Operating profit (loss)9901€24k€13k▼
Financial income75/76B€7€50▲
Recurring financial income75€7€50▲
Financial charges65/66B€57€60▲
Recurring financial charges65€57€60▲
Profit (loss) for the period before taxes9903€24k€13k▼
Income taxes67/77€8k€4k▼
Profit (loss) for the period9904€16k€8k▼
Profit (loss) for the period to be appropriated9905€16k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€17k€9k▼
Profit (loss) brought forward from the previous period14P€325€603▲
Transfer to equity691/2€16k€8k▼
To other reserves6921€16k€8k▼
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
23-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Equity above €150kEq €156k ▲5.6%
5 profitable years in a row build equity to €156k.
04-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Equity above €100kEq €132k ▲32.8%
3 profitable years in a row build equity to €132k.
27-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Back to profitnet €81k
Net result €81k after one loss-making year.
30-09
Financial
Liquidity times 52current ratio 1.24
Current ratio from 0.02 to 1.24.
26-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
03-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Back to profitnet €430
Net result €430 after one loss-making year.
06-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Sint-Gillis (bij-Brussel) · 1 establishment unit since 2016
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.
Charleroise Steenweg 1331060 Sint-Gillis (bij-Brussel)Ground area
1,008 m²
Building footprint
882 m²
Volume, LiDAR
12,058 m³
Parcel 21013B0346/00X006, Brussels · tallest building 28.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
COBELEM
since 20162.258.894.131
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21013B0346/00X006 | Brussels | 1,008 m² | 1 · 882 m² | 28.7 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 82,218 companies in sector 70200 we hold annual accounts for 52,396. 40,630 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-12-2016
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.