Cobrus Consulting

Active

Private limited companyfounded 20215 yrs activeHerrmann-Debrouxlaan 54, 1160 Oudergem, BelgiumKBO/BCE: BE 0771.462.675

Summary

The computed 12-month bankruptcy probability of Cobrus Consulting is 4.0% (elevated). The 2025 annual accounts show equity of €66k and a net result of €181k. Equity is shrinking by ~32.9% per year across the filed fiscal years. The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

48 / 100

Fair

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency49▼-12

Growth32=

Track record94

Bankruptcy probability, 12 months

4.0% Elevated

0%0.5%1.5%4%10%≥ 25%

Credit up to €3k at 30 days only on tighter terms

Liquidity short (current ratio 0.16 against 0.75 in 2024; short-term debt: 75.5% and cash: 12.4% of total assets), and 75.5% of the assets are financed with debt.

How do we compute the score and the probability?

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Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

No NACE activity registered

No NACE activity is registered in the KBO, which is more common among companies that later fail.

KBO · activities

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

24.5%

Return on assets

67.1%

Age of the figures

9 mo

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 · 5 filings

Deviation from the deadline

2025

31 d early

2024

66 d early

2023

33 d early

2022

32 d early

2021

32 d early

← before the deadline after the deadline →

Checked, nothing found (2)

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.

Companies Code · seven months

Position in the running window

24-09-2026 today31-12-2026 close31-07-2027 deadline

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

Financials · fiscal year 2025, abbreviated schema

Equity

€66k▼ 64.2%

2024 · €184k

2021: €264k 2022: €454k 2023: €522k 2024: €184k

2021 → 2025

Total assets

€270k▼ 46.9%

2024 · €507k

2021: €373k 2022: €618k 2023: €667k 2024: €507k

2021 → 2025

Net result

€181k▲ 0.9%

2024 · €179k

2021: €259k 2022: €190k 2023: €188k 2024: €179k

2021 → 2025

Working capital

€-170k▼ 108%

2024 · €-82k

2021: €195k 2022: €395k 2023: €240k 2024: €-82k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€264k-€454k▲ 71.8%€522k▲ 15.0%€184k▼ 64.6%€66k▼ 64.2%

Operating result€340k-€252k▼ 25.9%€249k▼ 1.4%€240k▼ 3.5%€244k▲ 1.8%

Net result€259k-€190k▼ 26.8%€188k▼ 0.9%€179k▼ 4.5%€181k▲ 0.9%

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

Result per fiscal year

Operating resultNet result

The operating result recovers in 2025; 2025 is 2% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €270k

87.6%

12.4%

Fixed assets €236k ▼ 11.5%

Current assets €34k ▼ 86.1%

Equity and liabilities €270k

24.5%

75.5%

Equity €66k ▼ 64.2%

Debt €204k ▼ 36.9%

Debt's share of the balance-sheet total rises from 63.7% to 75.5%. Equity and debt are lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€244k▼

2024 · €255k

Cash flow

€181k▼

2024 · €194k

Current ratio

0.16▼

2024 · 0.75

Debt to equity

3.09▲

2024 · 1.75

ROE

274.1%▲

2024 · 97.3%

ROA

67.1%▲

2024 · 35.4%

Interest coverage

1100.76▲

2024 · 369.17

Debt ≤ 1 year

€204k▼

2024 · €322k

Income taxes

€63k▼

2024 · €64k

Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines

Balance sheet Code20242025

Assets

Total assets20/58€507k€270k▼

Fixed assets21/28€267k€236k▼

Tangible fixed assets22/27€31k€0▼

Furniture and vehicles24€31k€0▼

Financial fixed assets28€236k€236k=

Current assets29/58€241k€34k▼

Amounts receivable after more than one year29€0-

Other amounts receivable291€0-

Amounts receivable within one year40/41€66k€0▼

Trade receivables40€66k€0▼

Other amounts receivable41€0-

Cash at bank and in hand54/58€174k€34k▼

Deferred charges and accrued income490/1€663€0▼

Equity and liabilities

Total equity and liabilities10/49€507k€270k▼

Equity10/15€184k€66k▼

Contributions10/11€5k€5k=

Reserves13€179k€61k▼

Distributable reserves133€179k€61k▼

Profit (loss) carried forward14€17€29▲

Amounts payable17/49€323k€204k▼

Amounts payable within one year42/48€322k€204k▼

Trade debts44€3k€4k▲

Suppliers440/4€3k€4k▲

Taxes, remuneration and social security45€179k€22k▼

Taxes450/3€175k€22k▼

Remuneration and social security454/9€3k€0▼

Other amounts payable47/48€141k€177k▲

Accrued charges and deferred income492/3€550€0▼

Income statement Code20242025

Non-recurring operating income76A-€7k

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€0▼

Other operating charges640/8€1k€415▼

Gross operating margin9900€256k€245k▼

Operating profit (loss)9901€240k€244k▲

Financial income75/76B€4k€0▼

Recurring financial income75€4k€0▼

Financial charges65/66B€691€222▼

Recurring financial charges65€691€222▼

Profit (loss) for the period before taxes9903€244k€244k▲

Income taxes67/77€64k€63k▼

Profit (loss) for the period9904€179k€181k▲

Profit (loss) for the period to be appropriated9905€179k€181k▲

Appropriation of the result

Profit (loss) to be appropriated9906€179k€181k▲

Profit (loss) brought forward from the previous period14P€28€17▼

Transfer from equity791/2€517k€179k▼

Transfer to equity691/2€179k€61k▼

To other reserves6921€179k€61k▼

Profit to be distributed694/7€517k€299k▼

Return on contributions (dividend)694€517k€299k▼

Social balance

Average headcount (FTE)9087-0.0

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 8Financial 2Gazette 1Filings 5

Next filing, fiscal year 2026, expected by 31-07-2027

2026

24-09

State Gazette act Board meeting · Registered-office move

Registered-office move2 facts ▸

Board meeting, 08-09-2026
Registered-office move, Herrmann-Debrouxlaan 54, 1160 Oudergem

30-06

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

2025

26-05

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema

2024

31-12

Financial Weakest financial yearnet €179k ▼4.5%

Net result drops to €179k, the lowest in the series; recovery starts the following year.

28-06

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema

2023

31-12

Financial Equity above €500kEq €522k ▲15%

3 profitable years in a row build equity to €522k.

29-06

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema

2022

29-06

NBB filing Annual accounts filed

fiscal year 2021 · abbreviated schema

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

3 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.

Location & real-estate footprint

Registered office, Oudergem · 1 establishment unit since 2021

establishment The establishment unit on the map

Cannot be placed on the map

This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.

Herrmann-Debrouxlaan 541160 Oudergem

Ground area

345 m²

Building footprint

119 m²

Volume, LiDAR

1,061 m³

Parcel 21614H0010/00P026, Brussels · tallest building 13.9 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

Cobrus Consulting

Business consulting

since 20212.319.610.686

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21614H0010/00P026	Brussels	345 m²	1 · 119 m²	13.9 m · 3 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1

1 of 1 parcel with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded15-07-2021

Fiscal year end31-12

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

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