Starting capital
€6.0m 6,000,000 shares
COBELLIVING
Lifetime
1 annual account with figurespeak -€66,629 (2025)
-€66,629
lowest -€123,498 (2025)
-€123,498
peak €5.9m (2025)
€5.9m
€2.0m
Board2 names since 2024
2 directorsDE BAERE Frédéric Jean Roland and 1 other
Documentsfilings and deeds
07-07-202624 days before the deadline
2025abbreviated format
Loss of €123,498First year with figures
Key points
from the 2025 annual accountsAt the same address
31 companies
Position in the sector
-€123,498
Lower net result than 90% of companies in real estate. Sector median €9,997 · 11,290 companies.
Turnover not published (abbreviated format)
Checked score
95
Excellent
Financially stronger than 61% of small companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 6,995 companies (NACE 68, small).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2025: 0.7%
01-2026: 0.7%● unchanged vs 12-2025
02-2026: 0.7%● unchanged vs 01-2026
03-2026: 0.8%▲ +0.1 percentage points vs 02-2026
04-2026: 0.8%● unchanged vs 03-2026
05-2026: 0.9%▲ +0.1 percentage points vs 04-2026
06-2026: 1.0%▲ +0.1 percentage points vs 05-2026
07-2026: 1.0%● unchanged vs 06-2026highest value
08-2026: < 0.1%▼ -1.0 percentage point vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026lowest value
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Founded in 2024
lowers risk
Size: total assets €7.9m
Sector: Real estate activities (NACE 68)
Figures for financial year 2025 (filed on 07-07-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, small). It does better than 84% of them on solvency, 89% on liquidity and 10% on profitability.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 1,274 companies had the same profile as COBELLIVING has now. Each dot stands for 4 companies, two years later.
95.0%
were still trading
4.2%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of COBELLIVING itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,274 companies, not a prediction for COBELLIVING. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €550,000 on 30-day terms, only on tighter conditions: young company (under 3 years) without a track record
Liquidity is ample, with a current ratio of 23.5, above the usual 1.5. Short-term debt is 0.5% and cash 9.9% of total assets. 25.7% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-07-2026, 24 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
24 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Incorporation
Founding capital of €6,000,000, 6,000,000 shares, €1,000,000 paid up · Founder: L’ETOILE DU NORD FONCIERE · Appointments: DE BAERE Frédéric Jean Roland (director) and URBANIK Pierre Casimir Marcel (director) · published on 08-11-2024 · Gazette deed
First establishment
Tervurenlaan 242, Woluwe-Saint-Pierre
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| COBELLIVING Woluwe-Saint-Pierre | €7.9m | -€66,629 | 74.3% | - |
| MALEA-STRIMA Brussels | €9.0m | -€188,287 | -7.2% | - |
| R-Nest Wemmel | €6.8m | -€47,753 | 88.6% | - |
| Annabelle PAULS Investment & Service Waimes | €8.2m | -€5,941 | 99.9% | - |
| STARING REAL ESTATE Anderlecht | €6.0m | -€18,332 | -1.8% | - |
| Avenue Louise 418 Ixelles | €8.0m | -€74,902 | 40.8% | - |
| SCHUTTERSHOF Budgethuur Hasselt | €6.7m | -€25,429 | 24.4% | - |
These companies have the same main activity as COBELLIVING: renting and operating of own or leased residential real estate, excluding social housing (NACE 68201). They are comparable in size and age: total assets between €6m and €9m, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 06-11-2024Normal situation
- Registered office
- 32 active companies are registered at this addressSource: KBO register, as of 9 November 2026.
- Activity
- Renting and operating of own or leased residential real estate, excluding social housingNACE 68201
- Establishment unit
- 2.368.930.6341150 Woluwe-Saint-Pierre, since 06-11-2024
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Annual accounts 2025
- €7.9m
- Filing
- Filed on 07-07-2026, 24 days before the end of the filing period
Insights on COBELLIVING
COBELLIVING has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5.9m and a net result of -€123,498.
Its solvency ranks better than 82% of 11,299 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about COBELLIVING
- What is the company number of COBELLIVING?
- The company number of COBELLIVING is 1015.934.547. The VAT number is the same number with BE in front: BE 1015.934.547.
- Where is COBELLIVING based?
- The registered office is at Tervurenlaan 242A, 1150 Woluwe-Saint-Pierre.Company details
- What does COBELLIVING do?
- According to the KBO register, the main activity is renting and operating of own or leased residential real estate, excluding social housing (NACE 68201).
- What is the legal form of COBELLIVING?
- COBELLIVING is a private limited company (BV).
- When was COBELLIVING founded?
- COBELLIVING was founded on 06-11-2024.
- Is COBELLIVING still active?
- Yes, COBELLIVING is an active enterprise in the KBO register.
- What is the turnover of COBELLIVING?
- The annual accounts for financial year 2025 state no turnover. The abbreviated format does not require it.Financials
- Is COBELLIVING profitable?
- In financial year 2025, COBELLIVING made a loss of €123,498.
- Where can I find the annual accounts of COBELLIVING?
- COBELLIVING filed 1 annual account with the National Bank of Belgium, for financial year 2025.
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