COCMA
ActiveCOCMA has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €81k and a net result of €20k. Equity is growing by ~38.7% per year across the filed fiscal years. Its solvency ranks better than 30% of 31459 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
83
/ 100
Excellent▼ -17 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency67▼-29
Growth52=
Stability94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 1.96 against 2.41 in 2024), but 70.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
29.4%
Return on assets
7.3%
Age of the figures
11 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 20-03-2026, 41 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
41 d early
2024
37 d early
2023
34 d early
2022
38 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
11-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€81k▲ 32.7%
2024 · €61k
2022: €24k
2023: €39k
2024: €61k
2022 → 2025
Total assets
€274k▲ 136%
2024 · €116k
2022: €58k
2023: €55k
2024: €116k
2022 → 2025
Net result
€20k▼ 7.6%
2024 · €22k
2022: €35k
2023: €15k
2024: €22k
2022 → 2025
Working capital
€40k▲ 19.8%
2024 · €33k
2022: €10k
2023: €35k
2024: €33k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€24k-€39k▲ 62.9%€61k▲ 54.8%€81k▲ 32.7%
Operating result€45k-€22k▼ 50.5%€31k▲ 36.8%€31k▲ 2.4%
Net result€35k-€15k▼ 56.8%€22k▲ 41.8%€20k▼ 7.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 2% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €274k
Fixed assets
€193k▲ 226%
Current assets
€81k▲ 43.0%
Equity and liabilities €274k
Equity
€81k▲ 32.7%
Debt
€194k▲ 251%
The debt ratio rises from 47.6% to 70.6%: debt grows faster than equity.
Key figures and ratios
EBITDA
€47k▲
2024 · €44k
Cash flow
€36k▲
2024 · €35k
Solvency
29.4%▼
2024 · 52.4%
Current ratio
1.96▼
2024 · 2.41
Quick ratio
1.96▼
2024 · 2.41
Debt / equity
2.40▲
2024 · 0.91
ROE
24.6%▼
2024 · 35.4%
ROA
7.3%▼
2024 · 18.6%
Interest coverage
12.39▼
2024 · 25.54
Debt
€194k▲
2024 · €55k
Debt ≤ 1 year
€42k▲
2024 · €24k
Debt > 1 year
€152k▲
2024 · €32k
Income taxes
€8k▲
2024 · €7k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€116k€274k▲
Fixed assets21/28€59k€193k▲
Tangible fixed assets22/27€59k€116k▲
Land and buildings22-€71k
Furniture and vehicles24€59k€45k▼
Financial fixed assets28-€77k
Current assets29/58€57k€81k▲
Amounts receivable within one year40/41€12k€12k▲
Trade receivables40€12k€12k▲
Other amounts receivable41-€325
Cash at bank and in hand54/58€45k€68k▲
Deferred charges and accrued income490/1€356€1k▲
Equity and liabilities
Total equity and liabilities10/49€116k€274k▲
Equity10/15€61k€81k▲
Contributions10/11€3k€3k=
Reserves13€58k€78k▲
Distributable reserves133€58k€78k▲
Amounts payable17/49€55k€194k▲
Amounts payable after more than one year17€32k€152k▲
Financial debts170/4€32k€152k▲
Amounts payable within one year42/48€24k€42k▲
Current portion of amounts payable after more than one year42€9k€26k▲
Trade debts44€323€119▼
Suppliers440/4€323€119▼
Taxes, remuneration and social security45€8k€5k▼
Taxes450/3€8k€5k▼
Other amounts payable47/48€7k€10k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€16k▲
Other operating charges640/8€561€811▲
Gross operating margin9900€45k€48k▲
Operating profit (loss)9901€31k€31k▲
Financial charges65/66B€2k€4k▲
Recurring financial charges65€2k€4k▲
Profit (loss) for the period before taxes9903€29k€28k▼
Income taxes67/77€7k€8k▲
Profit (loss) for the period9904€22k€20k▼
Profit (loss) for the period to be appropriated9905€22k€20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€22k€20k▼
Transfer to equity691/2€22k€20k▼
To other reserves6921€22k€20k▼
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
03-08
State Gazette act
PurposeGeneral meeting · Purpose change2 facts ▸
State Gazette act
Purpose
General meeting · Purpose change2 facts ▸
- General meeting, 30 juillet 2026
- Purpose change, La société a pour objet, en tout endroit de l’Union Européenne et partout ailleurs dans le monde entier, pour compte propre et, à titre accessoire, pour compte…
20-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
24-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet €15k ▼56.8%
Net result drops to €15k, the lowest in the series; recovery starts the following year.
30-09
Financial
Liquidity triplescurrent ratio 3.25
Current ratio from 1.28 to 3.25; short-term debt falls from €34k to €15k.
23-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Stavelot · 1 establishment unit since 2021
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.
Route de Coo 1034970 StavelotGround area
1,800 m²
Building footprint
112 m²
Parcel 63073A1020/00F000, Wallonia. Linked by address, not a title deed.
1 establishment unit
COCMA
since 20212.326.595.181
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63073A1020/00F000 | Wallonia | 1,800 m² | 1 · 112 m² | - |
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.
Similar companies · same sector, comparable size
KBO Group
BE 0755.938.222
Moorslede · Eq €81k
MOONSHOT THINKERS
BE 0694.760.817
Diest · Eq €81k
HumaniTree
BE 0794.587.376
Sint-Genesius-Rode · Eq €81k
GDB Freelance
BE 0632.970.827
Brasschaat · Eq €81k
Cabex
BE 0422.056.106
Tournai · Eq €81k
Of 82,190 companies in sector 70200 we hold annual accounts for 52,402. 39,995 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-09-2021
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 09-09-2026. Scores and ratios are computed by Checked and are not a credit decision.