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COBEMA

Active
Public limited companyfounded 198343 yrs activeLouizalaan 19, 1050 Brussel, BelgiumKBO/BCE: BE 0424.084.988
Summary

COBEMA has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7.0m and a net result of €593,355. Equity is growing by ~10% per year across the filed fiscal years. Its solvency ranks better than 95% of 4652 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch ReportCompare
COBEMAActiveChecked score 97/100
Risk analysis ReportCompare

Overview

Activity
Retail sale of women's outerwear
NACE 47711NACE 52423
1 site
Size
€1.7mturnover 2025
Staff
14 FTE
Equity
€7.0m
Profit
€593,355
Financial health
97 Excellent Checked score 2025
Bankruptcy chance 12 m
0.1%
Structure
Parent
Max Mara Fashion Group Srl
Board
5 members
Holdings
1
Accounts 22 d early1 of 22 deeds read
Why 97- Liquidity: current ratio 28.27, cash €183,648+ Founded in 1983+ Equity €7.0m (96.3% of total assets)+ Profit of €593,355 (FY 2025)Show the evidence

Checked score

Score 2025
97 / 100
Excellent
Probability in this band: under 0.55%
Better than 79% of its sector peers (NACE 47, small)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100=
equity 96.3% of total assets
Liquidity 53-2
short-term debt 3.1% · cash 2.5%
Profitability 86+7
return on assets 8.2%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (3,675 companies)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%● 0.0% vs 11-2024 01-2025: 0.1%▼ -3.3% vs 12-2024 02-2025: 0.1%● 0.0% vs 01-2025 03-2025: 0.1%● 0.0% vs 02-2025 04-2025: 0.1%▲ +5.2% vs 03-2025 05-2025: 0.1%▲ +6.6% vs 04-2025 06-2025: 0.1%▲ +10.8% vs 05-2025 07-2025: 0.1%▲ +34.7% vs 06-2025highest value 08-2025: 0.1%▼ -44.3% vs 07-2025 09-2025: 0.1%● 0.0% vs 08-2025 10-2025: 0.1%● 0.0% vs 09-2025 11-2025: 0.1%● 0.0% vs 10-2025 12-2025: 0.1%● 0.0% vs 11-2025 01-2026: 0.1%▼ -3.7% vs 12-2025lowest value 02-2026: 0.1%● 0.0% vs 01-2026lowest value 03-2026: 0.1%● 0.0% vs 02-2026lowest value 04-2026: 0.1%▲ +7.7% vs 03-2026 05-2026: 0.1%▲ +5.4% vs 04-2026 06-2026: 0.1%▲ +8.5% vs 05-2026 07-2026: 0.1%▲ +4.7% vs 06-2026 08-2026: 0.1%▲ +32.8% vs 07-2026 09-2026: 0.1%● 0.0% vs 08-2026 10-2026: 0.1%● 0.0% vs 09-2026
  • Founded in 1983 lowers the probability for this profile
  • Equity €7.0m (96.3% of total assets) lowers the probability
  • Profit of €593,355 (FY 2025) lowers the probability
  • Liquidity: current ratio 28.27, cash €183,648 raises the probability
Credit up to €160,000 at 30 days acceptable
Liquidity ample (current ratio 28.27 against 27.45 in 2024; short-term debt: 3.1% and cash: 2.5% of total assets), and 3.7% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, small). Better than this share of them on solvency 95%, liquidity 70%, profitability 88%, growth against the median 64%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Founded in 1983
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Equity €7.0m (96.3% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Profit of €593,355 (FY 2025)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Liquidity: current ratio 28.27, cash €183,648
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
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 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
22 d early
2024
on the day
2023
2 d early
2022
18 d early
2021
5 d early
2020
46 d early
2019
7 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 14 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% 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 26 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 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. Reappointments: Vincenzo Prezioso, Fabio Forni and…Appointments: Vincenzo Prezioso (managing director)…
  2. Annual accounts filedfiscal year 2025 · full…
  3. Annual accounts filedfiscal year 2024 · full…

Key points

  • Positive: Among the best 5% on solvencysector median 36.1% · 4,652 companies 96.3% View
  • Positive: Always filed on timeaccounts within the deadline every year 8 years View
  • Positive: 8 profitable years in a rowprofit 2025: €593,355 8 years View
  • Controlled by Max Mara Fashion Group… parent View
  • New directorslatest change 10-09-2026 · 5 in office 2 joined View

By topic

Financials

Fiscal year
2025
Turnover
€1.7m
Profit
€593,355
Solvency
96.3%
Go to Financials

Timeline

Events
17
Since
2017
Next accounts
by 31-07-2027
  1. 10-09-2026Reappointments: Vincenzo Prezioso, Fabio Forni and 3…
  2. 09-07-2026Annual accounts filed
  3. 31-07-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Retail sale of women's outerwearNACE 47711
Founded
10-05-1983
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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