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COCO & CO

Active Risk: not assessed
Private limited companyfounded 20196 yrs activeDe Zevenster 22, 2970 Schilde, BelgiumKBO/BCE: BE 0735.947.215
Summary

COCO & CO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €57k and a net result of €9k. Equity is growing by ~17.9% per year across the filed fiscal years. Its solvency ranks better than 57% of 6157 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term

Signals

1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-08-2025, 27 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filings
Deviation from the deadline
2025
not confirmed
2024
27 d late
2023
22 d early
2022
8 d late
2020
60 d late
← before the deadline after the deadline →
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

Financials · fiscal year 2024, abbreviated schema

Equity
€57k▲ 18.3%
2023 · €48k
Net result
€9k▼ 58.5%
2023 · €21k
Total assets
€95k▲ 68.9%
2023 · €56k
Solvency
59.5%▼ 25.5pp
2023 · 85.0%
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line2020202220232024
Operating result€31k-€-578-€29k€12k▼ 57.8%
Net result€25k-€-758-€21k€9k▼ 58.5%
Equity€30k-€27k-€48k▲ 78.5%€57k▲ 18.3%
Total assets€37k-€27k-€56k▲ 109%€95k▲ 68.9%
Debt€7k-€121-€8k▲ 6,929%€39k▲ 354%
Working capital€30k-€27k-€48k▲ 78.5%€57k▲ 18.3%
Solvency80.4%-99.6%-85.0%▼ 14.6pp59.5%▼ 25.5pp
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
€-10k€0€10k€20k€30kOperating result 2020: €31k€31kNet result 2020: €25k€25kOperating result 2022: €-578€-578Net result 2022: €-758€-758Operating result 2023: €29k€29kNet result 2023: €21k€21kOperating result 2024: €12k€12kNet result 2024: €9k€9k2020202220232024€-10k€0€10k€20k€30kOperating result 2022: €-578€-578Net result 2022: €-758€-758Operating result 2023: €29k€29kNet result 2023: €21k€21kOperating result 2024: €12k€12kNet result 2024: €9k€8.7k202220232024
The operating result falls in 2024; 2024 is 58% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €95k
Equity €57k ▲ 18.3%
Debt €39k ▲ 354%
Debt's share of the balance-sheet total rises from 15.0% to 40.5%. Equity and debt are higher.
Key figures and ratios
2024 value · change against 2023
ROE
15.4%▼
2023 · 44.0%
ROA
9.2%▼
2023 · 37.4%
Debt ≤ 1 year
€39k▲
2023 · €8k
Income taxes
€3k▼
2023 · €8k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2024 against 2023 · 30 lines
Balance sheet Code20232024
Assets
Total assets20/58€56k€95k▲
Current assets29/58€56k€95k▲
Amounts receivable within one year40/41€49k€73k▲
Trade receivables40€31k€20k▼
Other amounts receivable41€18k€53k▲
Cash at bank and in hand54/58€7k€22k▲
Equity and liabilities
Total equity and liabilities10/49€56k€95k▲
Equity10/15€48k€57k▲
Contributions10/11€5k€5k=
Reserves13€43k€52k▲
Distributable reserves133€43k€52k▲
Amounts payable17/49€8k€39k▲
Amounts payable within one year42/48€8k€39k▲
Trade debts44€505€38k▲
Suppliers440/4€505€38k▲
Taxes, remuneration and social security45€8k€109▼
Taxes450/3€8k€109▼
Other amounts payable47/48€320-
Income statement Code20232024
Other operating charges640/8€493€505▲
Gross operating margin9900€30k€13k▼
Operating profit (loss)9901€29k€12k▼
Financial charges65/66B€397€428▲
Recurring financial charges65€397€428▲
Profit (loss) for the period before taxes9903€29k€12k▼
Income taxes67/77€8k€3k▼
Profit (loss) for the period9904€21k€9k▼
Profit (loss) for the period to be appropriated9905€21k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€21k€9k▼
Transfer to equity691/2€21k€9k▼
To other reserves6921€21k€9k▼

The notes to these accounts (2 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2020202220232024Change
Other operating charges640/8-€457€493€505▲ 2.4%
Gross operating margin9900€31k€-121€30k€13k▼ 56.8%
Operating profit (loss)9901€31k€-578€29k€12k▼ 57.8%
Financial charges65/66B-€138€397€428▲ 8.0%
Recurring financial charges65€250€138€397€428▲ 8.0%
Profit (loss) for the period before taxes9903€31k€-716€29k€12k▼ 58.7%
Income taxes67/77€6k€42€8k€3k▼ 59.4%
Profit (loss) for the period9904€25k€-758€21k€9k▼ 58.5%
Profit (loss) for the period to be appropriated9905€25k€-758€21k€9k▼ 58.5%
Line2020202220232024Change
Assets
Total assets20/58€37k€27k€56k€95k▲ 68.9%
Current assets29/58€37k€27k€56k€95k▲ 68.9%
Amounts receivable within one year40/41€37k€18k€49k€73k▲ 47.5%
Trade receivables40--€31k€20k▼ 35.7%
Other amounts receivable41-€18k€18k€53k▲ 189%
Cash at bank and in hand54/58€193€9k€7k€22k▲ 223%
Equity and liabilities
Total equity and liabilities10/49€37k€27k€56k€95k▲ 68.9%
Equity10/15€30k€27k€48k€57k▲ 18.3%
Contributions10/11-€5k€5k€5k=
Reserves13€25k€22k€43k€52k▲ 20.4%
Distributable reserves133-€22k€43k€52k▲ 20.4%
Amounts payable17/49€7k€121€8k€39k▲ 354%
Amounts payable within one year42/48€7k€121€8k€39k▲ 354%
Trade debts44€908€121€505€38k▲ 7,504%
Suppliers440/4-€121€505€38k▲ 7,504%
Taxes, remuneration and social security45--€8k€109▼ 98.6%
Taxes450/3--€8k€109▼ 98.6%
Other amounts payable47/48--€320--
Line2020202220232024Change
Profit (loss) for the period9904€25k€-758€21k€9k▼ 58.5%
Operating cash flow (approximation)€25k€-758€21k€9k▼ 58.5%
Change in cash--€-2k€15k▲ 866%

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
27-08
NBB filing Annual accounts filed
fiscal year 2024 · abbreviated schema · 27 days late
2024
09-07
NBB filing Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial Back to profitnet €21k
Net result €21k after one loss-making year.
08-08
NBB filing Annual accounts filed
fiscal year 2022 · abbreviated schema · 8 days late
2022
31-12
Financial Weakest financial yearnet €-758
Net result drops to €-758, the lowest in the series; recovery starts the following year.
31-12
Financial Liquidity times 44current ratio 223.32
Current ratio from 5.11 to 223.32; short-term debt falls from €7k to €121.
2021
29-09
NBB filing Annual accounts filed
fiscal year 2020 · abbreviated schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Schilde · 1 establishment unit since 2019
seat establishment The establishment unit on the map
Ground area
2,143 m²
Building footprint
313 m²
Volume, LiDAR
2,133 m³
Parcel 11041C0262/00A000, Flanders · tallest building 11.5 m, ±2 floors. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
COCO & CO
De Zevenster 22, 2970 SchildeFinancial service activities, except insurance and pension funding
since 20192.297.151.030
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11041C0262/00A000 Flanders 2,143 m² 1 · 313 m² 11.5 m · 2 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.

Similar companies · same sector, comparable size

Of 24,730 companies in sector 64210 we hold annual accounts for 19,766. 10,807 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
Founded10-10-2019
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70100Activities of head offices

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