Active BE 0788.247.140Private limited company

COBEMA

Aarselestraat 18 ·8700 Tielt, Belgium· 4 yrs active

Sector: Financial services (64210)

Conclusion Checked

COBEMA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.51M and a net result of €611k. Equity is growing by ~78.8% per year across the filed fiscal years. Its solvency ranks better than 45% of 487 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.

Key figures

Equity	€1.51M
Net result	€611k
Better than sector	45%
Active	4 yrs

Snowflake analysis 5 axes · computed by Checked

67 / 100

Strong profile, led by profitability.

Health 0

Profitability 100

Solvency 61

Growth 78

Stability 94

Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 3 signals

More than 3 years active

Founded in 2022, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.

Administratively compliant

No FOD Economie strikeouts (UBO, accounts, address, activity).

Administrative Flags 0 events

No administrative flags

Health barometer

Model not applicable to financial institutions

The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.

Financial overview3 NBB filings

Annual accounts filed on 08-04-2026 with the NBB · fiscal year 2025 · verkort

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~78.8%/year over 3 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 64, Financial services · compared within the same schema type (abbreviated schema)

Metric	This company	Sector median	Position in the sector
Solvency	37.7%	42.7%	better than 45% of 487 sector peers
Net result	€611k	€71k	better than 90% of 487 sector peers
Equity	€1.51M	€483k	better than 74% of 487 sector peers
Gross operating margin	€246k	€87k	better than 81% of 486 sector peers
Employees (FTE)	0.0	0.0	better than 35% of 149 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Net profit

€611k

-12.1% far above sector median

Total assets

€4.00M

+12.3% far above sector median

Equity

€1.51M

+67.7% far above sector median

Employees (FTE)

0

- -100% vs sector

Income taxes

€30k

+81.0% far above sector median

Dividends

€2k

0.0% +106% vs sector

Debt

€2.49M

-6.4% far above sector median

Debt ≤ 1y

€411k

+10.1% far above sector median

Debt > 1y

€2.08M

-9.1% far above sector median

Solvency

37.7%

+49.3% -57% vs sector

ROE

40.5%

-47.6% far above sector median

ROA

15.3%

-21.7% far above sector median

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Revenue	n/a
EBITDA	n/a
Net profit	€611k
Cash flow	n/a
Staff costs	-
Income taxes	€30k
Dividends	€2k
Total assets	€4.00M
Equity	€1.51M
Debt	€2.49M
of which ≤ 1y	€411k
of which > 1y	€2.08M
Working capital	n/a
Employees (FTE)	0.0

Ratios (computed)

	2025
Current ratio	n/a
Quick ratio	n/a
Working capital ratio	n/a
Solvency	37.7%
Debt / equity	n/a
Long-term debt ratio	n/a
Interest coverage	n/a
Gross margin	n/a
Net margin	n/a
ROA	15.3%
ROE	40.5%
EBITDA margin	n/a
Days sales outstanding	n/a
Days payable outstanding	n/a
Inventory turnover	n/a
Days inventory (DSI)	n/a

Balance-sheet composition 2025

Assets

Fixed assets €3.53M · 88.3% Current assets €466k · 11.7%

Equity & liabilities

Equity €1.51M · 37.7% Debt €2.49M · 62.3%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€4.00M
Fixed assets	21/28	€3.53M
Tangible fixed assets	22/27	€17k
Financial fixed assets	28	€3.51M
Current assets	29/58	€466k
Amounts receivable within one year	40/41	€80k
Investments	50/53	€300k
Cash & bank	54/58	€85k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€4.00M
Equity	10/15	€1.51M
Contributions / capital	10/11	€120k
Reserves	13	€1.39M
Accumulated profits (losses)	14	€0
Amounts payable	17/49	€2.49M
Amounts payable after one year	17	€2.08M
Amounts payable within one year	42/48	€411k
Trade debts payable within one year	44	€2k
Income statement
Gross operating margin	9900	€246k
Operating result	9901	€235k
Financial income	75	€521k
Financial charges	65	€115k
Result before taxes	9903	€641k
Income taxes	67/77	€30k
Net result for the period	9904	€611k
Result to be appropriated	9905	€568k

You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Legal Structure

NACE primary	Financial services(64210)
Legal form	Private limited company(610)
Incorporation	05-07-2022
Status	Active
Postal code	8700

Connections & network 1 connected companies

Group structure

DE KEYSER

Subsidiary · 1 location

→

Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.

Establishment units 1 location

COBEMA

Staatsbaan 233, 8610 KortemarkManagementsactiviteiten van holdings : tussenkomen in het dagelijks bestuur, vertegenwoordigen van bedrijven op grond van bezit van of controle over het maatschappelijk kapitaal, enz.

since 20222.333.292.042

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
37001A0585/00L003	Flanders	1,759 m²	1 · 312 m²	12.5 m · 2 fl.
32027A0473/00S002	Flanders	928 m²	1 · 168 m²	8.7 m · 2 fl.

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.

Updates 4 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026

08-04-2026

NBB filing Annual accounts filed

fiscal year 2025 · verkort

2025

29-04-2025

NBB filing Annual accounts filed

fiscal year 2024 · verkort

2024

06-05-2024

State Gazette act Capital & shares

Nicolaas Vermeulen

26-02-2024

NBB filing Annual accounts filed

fiscal year 2023 · micro

Belgisch Staatsblad, acts 1 acts

Capital history · 1

06-05-2024

Capital change

All acts · 1 updated 2 years ago

2024

06-05-2024 Capital increase of €115,141.52 to €120,141.52 Capital & shares·Nicolaas Vermeulen

€5.000 → €120.141,52
Inbreng in geld · Apport en numéraire

Notary: Nicolaas Vermeulen · Menen

Original publication ↗

Technical details

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  "notary": {
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    "firm_city": null,
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    "office_city": "Menen",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2024-05-06",
    "filing_date": "2024-05-02",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
    "body": "buitengewone_algemene_vergadering",
    "act_date": "2024-04-15",
    "unanimous": true,
    "under_authorized_capital": true,
    "underlying_resolution_date": "2024-04-15"
  },
  "bedrijfsrevisor": null,
  "subject_company": {
    "kbo": "0788.247.140",
    "name_full": "COBEMA",
    "legal_form": "B.V.",
    "is_foreign_registered": false
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  "publication_proxy": {
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    "org_kbo": null,
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    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [
    "uitgifte proces-verbaal",
    "geco\u00F6rdineerde tekst der statuten"
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  "shareholders_after": [],
  "share_classes_after": []
}

Credit advice verdict per customer and amount

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Company registry (CBE) Crossroads Bank

Activities

Holdings64200Activiteiten van holdings64210Activiteiten van hoofdkantoren70100Activiteiten van hoofdkantoren70100Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990

Primary activity highlighted.

Names & trade names

Legal nameNL

COBEMA

Registered office

Aarselestraat 18

8700 Tielt, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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