COBI CONSULTING
ActiveSummary
COBI CONSULTING has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €390,833 and a net result of €70,551. Equity remains stable across the filed fiscal years (±1.1% per year). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability82▲+4
Solvency82▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30,000 at 30 days acceptable
Liquidity ample (current ratio 2.01 against 2.21 in 2023; short-term debt: 15.8% and cash: 21.9% of total assets), and 42.8% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four 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 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
31 d early
2023
34 d early
2022
31 d early
2021
31 d early
2020
31 d early
2019
31 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 31 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% 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 30 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2024, micro schema
In the rankings
#5 company by total assets in Lubbeek, Telecoms and IT sector#8 company by equity in Lubbeek, Telecoms and IT sector
Equity
€390,833▼ 2.1%
2023 · €399,138
Total assets
€683,399▼ 8.4%
2023 · €745,928
Net result
€70,551▲ 34.3%
2023 · €52,516
Working capital
€108,498▼ 15.4%
2023 · €128,213
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€147,378▲ 19.9%€120,906▼ 18.0%€111,063▼ 8.1%€79,406▼ 28.5%€111,909▲ 40.9%
Net result€98,293above the sector's middle half▲ 24.6%€80,177above the sector's middle half▼ 18.4%€74,369above the sector's middle half▼ 7.2%€52,516above the sector's middle half▼ 29.4%€70,551above the sector's middle half▲ 34.3%
Equity€431,295above the sector's middle half▲ 16.9%€432,471above the sector's middle half▲ 0.3%€417,630above the sector's middle half▼ 3.4%€399,138above the sector's middle half▼ 4.4%€390,833above the sector's middle half▼ 2.1%
Total assets€833,988above the sector's middle half▲ 2.7%€785,091above the sector's middle half▼ 5.9%€738,443above the sector's middle half▼ 5.9%€745,928above the sector's middle half▲ 1.0%€683,399above the sector's middle half▼ 8.4%
Debt€402,693▼ 9.1%€352,620▼ 12.4%€320,813▼ 9.0%€346,790▲ 8.1%€292,567▼ 15.6%
Working capital€210,461above the sector's middle half▲ 29.1%€196,040above the sector's middle half▼ 6.9%€176,709above the sector's middle half▼ 9.9%€128,213above the sector's middle half▼ 27.4%€108,498within the sector's middle half▼ 15.4%
Solvency51.7%within the sector's middle half▲ 6.3pp55.1%within the sector's middle half▲ 3.4pp56.6%within the sector's middle half▲ 1.5pp53.5%within the sector's middle half▼ 3.0pp57.2%within the sector's middle half▲ 3.7pp
Current ratio5.11above the sector's middle half▲ 0.925.09above the sector's middle half▼ 0.024.03within the sector's middle half▼ 1.052.21within the sector's middle half▼ 1.822.01within the sector's middle half▼ 0.20
Return on assets (ROA)11.8%within the sector's middle half▲ 2.1pp10.2%within the sector's middle half▼ 1.6pp10.1%within the sector's middle half▼ 0.1pp7.0%within the sector's middle half▼ 3.0pp10.3%within the sector's middle half▲ 3.3pp
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 41% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €683,399
Fixed assets
€467,117 ▼ 8.7%
Current assets
€216,283 ▼ 7.7%
Equity and liabilities €683,399
Equity
€390,833 ▼ 2.1%
Debt
€292,567 ▼ 15.6%
Debt's share of the balance-sheet total falls from 46.5% to 42.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€159,308▲
2023 · €126,535
Cash flow
€117,950▲
2023 · €99,646
Debt to equity
0.75▼
2023 · 0.87
ROE
18.1%▲
2023 · 13.2%
Interest coverage
22.77▲
2023 · 19.38
Debt ≤ 1 year
€107,785▲
2023 · €106,027
Debt > 1 year
€184,782▼
2023 · €240,763
Income taxes
€35,564▲
2023 · €20,853
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 17,811 companies that looked in July 2024 the way this one looks now, 0.3% went bankrupt within 24 months and 97% are still going.
- Small
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.3%
went bankrupt
3.2%
stopped otherwise
97%
still going
For this company itself Checked computes a bankruptcy probability of 0.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 17,811 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €37,406 | €38,740 | €37,615 | €47,130 | €47,399 | ▲ 0.6% |
| Other operating charges640/8 | - | €5,759 | €4,669 | €3,676 | €4,109 | ▲ 11.8% |
| Gross operating margin9900 | €189,607 | €165,406 | €153,347 | €130,211 | €163,418 | ▲ 25.5% |
| Operating profit (loss)9901 | €147,378 | €120,906 | €111,063 | €79,406 | €111,909 | ▲ 40.9% |
| Financial income75/76B | - | - | - | €492 | €1,201 | ▲ 144% |
| Recurring financial income75 | - | - | - | €492 | €1,201 | ▲ 144% |
| Financial charges65/66B | - | €8,168 | €6,693 | €6,529 | €6,995 | ▲ 7.1% |
| Recurring financial charges65 | €8,797 | €8,168 | €6,693 | €6,529 | €6,995 | ▲ 7.1% |
| Profit (loss) for the period before taxes9903 | €138,582 | €112,738 | €104,370 | €73,369 | €106,115 | ▲ 44.6% |
| Income taxes67/77 | €40,289 | €32,562 | €30,001 | €20,853 | €35,564 | ▲ 70.5% |
| Profit (loss) for the period9904 | €98,293 | €80,177 | €74,369 | €52,516 | €70,551 | ▲ 34.3% |
| Transfer from tax-exempt reserves789 | - | - | €89,211 | €0 | - | - |
| Profit (loss) for the period to be appropriated9905 | €98,293 | €80,177 | €163,580 | €52,516 | €70,551 | ▲ 34.3% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €833,988 | €785,091 | €738,443 | €745,928 | €683,399 | ▼ 8.4% |
| Fixed assets21/28 | €572,328 | €541,092 | €503,476 | €511,688 | €467,117 | ▼ 8.7% |
| Tangible fixed assets22/27 | €572,328 | €541,092 | €503,476 | €511,688 | €467,117 | ▼ 8.7% |
| Land and buildings22 | - | €445,736 | €426,527 | €407,317 | €388,108 | ▼ 4.7% |
| Furniture and vehicles24 | - | €7,932 | €5,557 | €44,802 | €35,902 | ▼ 19.9% |
| Other tangible fixed assets26 | - | €87,423 | €71,392 | €59,568 | €43,106 | ▼ 27.6% |
| Current assets29/58 | €261,659 | €243,999 | €234,967 | €234,240 | €216,283 | ▼ 7.7% |
| Amounts receivable within one year40/41 | €47,488 | €68,254 | €6,223 | €15,488 | €66,770 | ▲ 331% |
| Trade receivables40 | - | €61,696 | €1,103 | €11,073 | €45,728 | ▲ 313% |
| Other amounts receivable41 | - | €6,558 | €5,119 | €4,415 | €21,041 | ▲ 377% |
| Cash at bank and in hand54/58 | €212,666 | €175,745 | €228,744 | €218,537 | €149,513 | ▼ 31.6% |
| Deferred charges and accrued income490/1 | - | - | - | €215 | €0 | ▼ 100% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €833,988 | €785,091 | €738,443 | €745,928 | €683,399 | ▼ 8.4% |
| Equity10/15 | €431,295 | €432,471 | €417,630 | €399,138 | €390,833 | ▼ 2.1% |
| Contributions10/11 | - | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €418,228 | €419,405 | €404,564 | €386,071 | €377,766 | ▼ 2.2% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | - | €417,545 | €402,704 | €384,211 | €375,906 | ▼ 2.2% |
| Profit (loss) carried forward14 | €667 | €667 | €667 | €667 | €667 | = |
| Amounts payable17/49 | €402,693 | €352,620 | €320,813 | €346,790 | €292,567 | ▼ 15.6% |
| Amounts payable after more than one year17 | €349,338 | €304,660 | €262,555 | €240,763 | €184,782 | ▼ 23.3% |
| Financial debts170/4 | - | €304,660 | €262,555 | €240,763 | €184,782 | ▼ 23.3% |
| Amounts payable within one year42/48 | €51,198 | €47,960 | €58,258 | €106,027 | €107,785 | ▲ 1.7% |
| Current portion of amounts payable after more than one year42 | - | €43,954 | €42,105 | €41,898 | €49,900 | ▲ 19.1% |
| Trade debts44 | €2,742 | €2,334 | €1,873 | €5,382 | €1,573 | ▼ 70.8% |
| Suppliers440/4 | - | €2,334 | €1,873 | €5,382 | €1,573 | ▼ 70.8% |
| Advances received on contracts in progress46 | - | - | - | - | €26,862 | - |
| Taxes, remuneration and social security45 | - | €1,184 | €13,119 | €15,676 | €29,450 | ▲ 87.9% |
| Taxes450/3 | - | €1,184 | €13,119 | €15,676 | €29,450 | ▲ 87.9% |
| Other amounts payable47/48 | - | €487 | €1,160 | €43,071 | €0 | ▼ 100% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €98,293 | €80,177 | €74,369 | €52,516 | €70,551 | ▲ 34.3% |
| + Depreciation and write-downs630 | €37,406 | €38,740 | €37,615 | €47,130 | €47,399 | ▲ 0.6% |
| Operating cash flow (approximation) | €135,699 | €118,917 | €111,985 | €99,646 | €117,950 | ▲ 18.4% |
| Investment in fixed assets (approximation) | - | -€7,503 | €0 | -€55,341 | -€2,828 | ▲ 94.9% |
| Change in cash | - | -€36,921 | €52,999 | -€10,207 | -€69,024 | ▼ 576% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €98,293 ▲24.6%
Operating result €147,378, net result €98,293, both a record.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
7 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, Lubbeek · 2 establishment units since 2009
Ground area
7,967 m²
Building footprint
1,132 m²
Volume, LiDAR
8,926 m³
2 parcels, Flanders · tallest building 16.0 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Cobi Consulting
since 20092.175.494.719
Cobi Consulting
since 20192.289.192.278
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24502C0096/00F000 | Flanders | 6,828 m² | 1 · 996 m² | 16.0 m · 3 fl. |
| 24063B0106/00H000 | Flanders | 1,139 m² | 1 · 136 m² | 6.4 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 30,008 companies in sector 62200 we hold annual accounts for 18,400. 12,910 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded06-01-2009
Fiscal year end31-12
Trade name NL
Heroes@work, atelier luz, studio piu, studio ck
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
62100Computer programming
63100Computing infrastructure, data processing, hosting and related activities
64210Activities of holding companies
82990Other business support services
Contact
Phone
0497/596324Lubbeek
E-invoicing
Reachable via Peppol
Peppol ID
0208:0808926847
Also
9925:BE0808926847
Registered
22-04-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.