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COBIM

Active
Private limited companyfounded 20242 yrs activePhilomènestraat 39, 1030 Schaarbeek, BelgiumKBO/BCE: BE 1004.302.168
Summary

The computed 12-month bankruptcy probability of COBIM is 6.9% (elevated). The 2024 annual accounts show equity of €33,527 and a net result of -€3,609. The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2024
59 / 100
Fair
An elevated bankruptcy probability caps the score. Every signal that weighs is under Signals.
Axes
Profitability60
Solvency91
Growth-
Track record67
Bankruptcy probability, 12 months
6.9% Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days only on tighter terms
Liquidity ample (current ratio 1.75; short-term debt: 31.8% and cash: 40.7% of total assets), and 34.2% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024
Solvency, return and age of the figures
Solvency
65.8%
Return on assets
-7.1%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-06-2025, 31 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2024
31 d early
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its 2024 accounts 31 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (1)
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

History

COBIM was incorporated on 5 January 2024 as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2024

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Financials · fiscal year 2024, micro schema

Equity
€33,527
Total assets
€50,959
Net result
-€3,609
Working capital
€12,179

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €50,959
Fixed assets €22,574
Current assets €28,385
Equity and liabilities €50,959
Equity €33,527
Debt €17,433
Debt finances 34.2% of the balance-sheet total.
Key figures and ratios
2024 value
EBITDA
€5,058
Cash flow
-€234
Current ratio
1.75
Debt to equity
0.52
ROE
-10.8%
ROA
-7.1%
Interest coverage
24.08
Debt ≤ 1 year
€16,206
Income taxes
€5,082

Peer companies

Historical observation

Of the 2,148 companies that looked in July 2024 the way this one looks now, 2.1% went bankrupt within 24 months and 92% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a small loss
2.1% went bankrupt
5.8% stopped otherwise
92% still going

A further 0.6% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 6.9% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 2,148 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
Filed annual accounts As filed with the NBB · 2024 · 39 lines
Balance sheet Code2024
Assets
Total assets20/58€50,959
Fixed assets21/28€22,574
Tangible fixed assets22/27€22,574
Land and buildings22€22,574
Current assets29/58€28,385
Amounts receivable within one year40/41€5,303
Other amounts receivable41€5,303
Cash at bank and in hand54/58€20,727
Deferred charges and accrued income490/1€2,355
Equity and liabilities
Total equity and liabilities10/49€50,959
Equity10/15€33,527
Contributions10/11€8,011
Reserves13€1,283
Non-distributable reserves130/1€1,283
Reserves not available under the articles1311€1,283
Profit (loss) carried forward14€24,232
Amounts payable17/49€17,433
Amounts payable within one year42/48€16,206
Trade debts44€6,454
Suppliers440/4€6,454
Taxes, remuneration and social security45€368
Taxes450/3€368
Other amounts payable47/48€9,383
Accrued charges and deferred income492/3€1,227
Income statement Code2024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3,375
Other operating charges640/8€8,555
Non-recurring operating charges66A€3,629
Gross operating margin9900€17,242
Operating profit (loss)9901€1,683
Financial income75/76B€0
Recurring financial income75€0
Financial charges65/66B€210
Recurring financial charges65€210
Profit (loss) for the period before taxes9903€1,473
Income taxes67/77€5,082
Profit (loss) for the period9904-€3,609
Profit (loss) for the period to be appropriated9905-€3,609
Appropriation of the result
Profit (loss) to be appropriated9906€24,232
Profit (loss) brought forward from the previous period14P€27,841

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3,375
Other operating charges640/8€8,555
Non-recurring operating charges66A€3,629
Gross operating margin9900€17,242
Operating profit (loss)9901€1,683
Financial income75/76B€0
Recurring financial income75€0
Financial charges65/66B€210
Recurring financial charges65€210
Profit (loss) for the period before taxes9903€1,473
Income taxes67/77€5,082
Profit (loss) for the period9904-€3,609
Profit (loss) for the period to be appropriated9905-€3,609
Line2024
Assets
Total assets20/58€50,959
Fixed assets21/28€22,574
Tangible fixed assets22/27€22,574
Land and buildings22€22,574
Current assets29/58€28,385
Amounts receivable within one year40/41€5,303
Other amounts receivable41€5,303
Cash at bank and in hand54/58€20,727
Deferred charges and accrued income490/1€2,355
Equity and liabilities
Total equity and liabilities10/49€50,959
Equity10/15€33,527
Contributions10/11€8,011
Reserves13€1,283
Non-distributable reserves130/1€1,283
Reserves not available under the articles1311€1,283
Profit (loss) carried forward14€24,232
Amounts payable17/49€17,433
Amounts payable within one year42/48€16,206
Trade debts44€6,454
Suppliers440/4€6,454
Taxes, remuneration and social security45€368
Taxes450/3€368
Other amounts payable47/48€9,383
Accrued charges and deferred income492/3€1,227
Line2024
Profit (loss) for the period9904-€3,609
+ Depreciation and write-downs630€3,375
Operating cash flow (approximation)-€234

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2025
30-06
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
0 of 2 acts read
About the unread acts

We know of 2 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
2 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, Schaarbeek · 1 establishment unit since 2023
seat establishment The establishment unit on the map
Ground area
1,445 m²
Building footprint
510 m²
Volume, LiDAR
7,051 m³
Parcel 21906D0427/00P002, Brussels · tallest building 20.2 m, ±5 floors. Linked by address, not a title deed.
5 companies at this address See who is registered here
1 establishment unit
COBIM
Philomènestraat 39, 1030 SchaarbeekRenting and operating of own or leased residential real estate, excluding social housing
since 20232.370.993.962
1 parcel
Brussels 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21906D0427/00P002 Brussels 1,445 m² 1 · 510 m² 20.2 m · 5 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Identification & contact

Identification
Legal formPrivate limited company
Founded05-01-2024
Fiscal year end31-12
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

What can you do?

Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance

If you follow this company, Checked tells you the day it appears in the Peppol register.

Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.