Financials
- Fiscal year
- 2024
- Total assets
- €2.8m
- Loss
- -€96,933
- Solvency
- 36.3%
Total assets▼ 5.0%
Net result
20192024
COBIMO
ActiveSummary
The computed 12-month bankruptcy probability of COBIMO is 3.7% (moderate). The 2024 annual accounts show equity of €1.0m and a net result of -€96,933. Equity is growing by ~12% per year across the filed fiscal years. Its solvency ranks better than 55% of 6550 sector peers (fiscal year 2024). The company has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Retail sale of watches and jewellery
NACE 47770NACE 52484
3 sites
Size
€2.8mtotal assets 2024
- Staff
- 5.2 FTE
- Equity
- €1.0m
- Loss
- -€96,933
Structure
- Holdings
- 1
Accounts 65 d overdue0 of 6 deeds read
Why 48- Figures for FY 2024 (filed 31-10-2025)- Liquidity: current ratio 1.08, cash €42,039, halved- Size: 5.2 FTE, total assets €2.8m+ Founded in 1994Show the evidence
Checked score
Score 2024
48
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 30% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2023
Weak
Solvency
61-2
equity 36.3% of total assets
Liquidity
22-1
short-term debt 57.1% · cash 1.5%
Profitability
16-51
return on assets -3.5%
Bankruptcy probability, 12 months
3.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 0.7%
12-2024: 0.7%● 0.0% vs 11-2024
01-2025: 0.7%▼ -0.7% vs 12-2024lowest value
02-2025: 0.7%● 0.0% vs 01-2025lowest value
03-2025: 0.8%▲ +15.2% vs 02-2025
04-2025: 0.8%▲ +1.5% vs 03-2025
05-2025: 0.8%▲ +2.9% vs 04-2025
06-2025: 0.8%▼ -0.7% vs 05-2025
07-2025: 1.1%▲ +27.3% vs 06-2025
08-2025: 1.8%▲ +65.2% vs 07-2025
09-2025: 2.0%▲ +15.5% vs 08-2025
10-2025: 2.8%▲ +38.6% vs 09-2025
11-2025: 1.4%▼ -49.5% vs 10-2025
12-2025: 1.4%● 0.0% vs 11-2025
01-2026: 1.4%▼ -0.6% vs 12-2025
02-2026: 1.4%● 0.0% vs 01-2026
03-2026: 1.6%▲ +13.4% vs 02-2026
04-2026: 1.6%▲ +0.4% vs 03-2026
05-2026: 1.6%▼ -2.7% vs 04-2026
06-2026: 1.5%▼ -2.7% vs 05-2026
07-2026: 1.6%▲ +4.0% vs 06-2026
08-2026: 2.5%▲ +59.2% vs 07-2026
09-2026: 2.8%▲ +11.4% vs 08-2026
10-2026: 3.7%▲ +29.9% vs 09-2026highest value
- Figures for FY 2024 (filed 31-10-2025) raises the probability
- Founded in 1994 lowers the probability for this profile
- Liquidity: current ratio 1.08, cash €42,039, halved raises the probability
- Size: 5.2 FTE, total assets €2.8m raises the probability for this profile
Credit up to €45,000 at 30 days only on tighter terms
Liquidity tight (current ratio 1.08 against 1.08 in 2023; short-term debt: 57.1% and cash: 1.5% of total assets), and 63.7% 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, micro). Better than this share of them on solvency 51%, liquidity 20%, profitability 20%, growth against the median 27%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. 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
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-10-2025, 92 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
92 d late
2023
92 d late
2022
18 d late
2022
101 d early
2021
38 d early
2020
1 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 10 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (1)
- Annual accounts filedfiscal year 2024 · full…
- Weakest financial yearnet -€96,933
- Annual accounts filedfiscal year 2023 · full…
Key points
By topic
Network & group
- Subsidiaries
- 1
1 subsidiary
Timeline
- Events
- 13
- Since
- 2016
- 31-10-2025Annual accounts filed
- 31-12-2024Weakest financial year
- 31-10-2024Annual accounts filed
Company details
- Sites
- 3
- Legal form
- Public limited company
- Activity
- Retail sale of watches and jewelleryNACE 47770
- Founded
- 17-10-1994
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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