CoCoMa
ActiveThe computed 12-month bankruptcy probability of CoCoMa is 2.0% (moderate). The 2024 annual accounts show equity of €100k and a net result of €-23k. Equity is growing by ~44.7% per year across the filed fiscal years. Its solvency ranks better than 45% of 15866 sector peers (fiscal year 2024). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability0▼-100
Solvency61▼-34
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days only on tighter terms
Liquidity tight (current ratio 1.47 against 2.0 in 2023), and 67.7% 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.
+raises risk○neutral
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 2024Solvency, return and age of the figures
Solvency
32.3%
Return on assets
-7.5%
Age of the figures
27 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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
raises risk · Annual accounts not filed
The financial year that closed on 30-06-2025 was due at the National Bank by 31-01-2026. Nothing is on record, 227 days later.
NBB · 6 filingsPosition against the passed deadline
30-06-2025 close31-01-2026 deadline15-09-2026 today
neutral · Filed after the deadline
The financial year that closed on 30-06-2024 was due by 31-01-2025 and was filed on 28-02-2025, 28 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 · 6 filingsDeviation from the deadline
2025
not filed
2024
28 d late
2023
267 d late
2022
4 d early
2021
21 d late
2020
11 d late
2019
17 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€100k▼ 18.8%
2023 · €123k
2019: €19k
2020: €21k
2021: €24k
2022: €65k
2023: €123k
2019 → 2024
Total assets
€308k▲ 26.3%
2023 · €244k
2019: €227k
2020: €43k
2021: €88k
2022: €260k
2023: €244k
2019 → 2024
Net result
€-23k
2023 · €58k
2019: €179
2020: €2k
2021: €3k
2022: €41k
2023: €58k
2019 → 2024
Working capital
€99k▼ 18.4%
2023 · €121k
2019: €19k
2020: €21k
2021: €21k
2022: €63k
2023: €121k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€21k-€24k▲ 15.9%€65k▲ 172%€123k▲ 89.8%€100k▼ 18.8%
Operating result€2k-€4k▲ 65.5%€62k▲ 1,403%€88k▲ 42.2%€-24k
Net result€2k-€3k▲ 86.4%€41k▲ 1,148%€58k▲ 42.1%€-23k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €24k after €88k in 2023, the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €308k
Fixed assets
€457▼ 63.2%
Current assets
€308k▲ 26.8%
Equity and liabilities €308k
Equity
€100k▼ 18.8%
Debt
€209k▲ 72.0%
The debt ratio rises from 49.7% to 67.7%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-23k▼
2023 · €88k
Cash flow
€-22k▼
2023 · €59k
Solvency
32.3%▼
2023 · 50.3%
Current ratio
1.47▼
2023 · 2.00
Quick ratio
1.47▼
2023 · 2.00
Debt / equity
2.10▲
2023 · 0.99
ROE
-23.2%▼
2023 · 47.3%
ROA
-7.5%▼
2023 · 23.8%
Interest coverage
-212.00▼
2023 · 191.57
Debt
€209k▲
2023 · €121k
Debt ≤ 1 year
€209k▲
2023 · €121k
Income taxes
€-676▼
2023 · €29k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€244k€308k▲
Fixed assets21/28€1k€457▼
Tangible fixed assets22/27€1k€457▼
Furniture and vehicles24€1k€457▼
Current assets29/58€243k€308k▲
Amounts receivable within one year40/41€221k€305k▲
Trade receivables40€221k€305k▲
Other amounts receivable41€269€46▼
Cash at bank and in hand54/58€22k€3k▼
Equity and liabilities
Total equity and liabilities10/49€244k€308k▲
Equity10/15€123k€100k▼
Contributions10/11€19k€19k=
Reserves13€99k€99k=
Distributable reserves133€99k€99k=
Profit (loss) carried forward14€5k€-18k▼
Amounts payable17/49€121k€209k▲
Amounts payable within one year42/48€121k€209k▲
Trade debts44€64€91k▲
Suppliers440/4€64€91k▲
Taxes, remuneration and social security45€47k€55k▲
Taxes450/3€30k€29k▼
Remuneration and social security454/9€17k€26k▲
Other amounts payable47/48€75k€63k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€825€784▼
Other operating charges640/8-€50
Non-recurring operating charges66A-€1k
Gross operating margin9900€88k€-22k▼
Operating profit (loss)9901€88k€-24k▼
Financial charges65/66B€461€108▼
Recurring financial charges65€461€108▼
Profit (loss) for the period before taxes9903€87k€-24k▼
Income taxes67/77€29k€-676▼
Profit (loss) for the period9904€58k€-23k▼
Profit (loss) for the period to be appropriated9905€58k€-23k▼
Appropriation of the result
Profit (loss) to be appropriated9906€63k€-18k▼
Profit (loss) brought forward from the previous period14P€5k€5k=
Transfer to equity691/2€58k-
To other reserves6921€58k-
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
28-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
24-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 267 days late
30-06
Financial
Weakest financial yearnet €-23k ▼140%
Net result drops to €-23k, the lowest in the series.
2023
30-06
Financial
Highest result since 2019net €58k ▲42.1%
Operating result €88k, net result €58k, both a record.
30-06
Financial
Equity above €100kEq €123k ▲89.8%
5 profitable years in a row build equity to €123k.
27-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
21-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 21 days late
2021
11-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 11 days late
2020
17-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Ukkel · 1 establishment unit since 2018
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.
Edith Cavellstraat 141180 UkkelGround area
3,777 m²
Building footprint
1,828 m²
Volume, LiDAR
48,508 m³
Parcel 21612C0002/00C019, Brussels · tallest building 43.0 m, ±10 floors. Linked by address, not a title deed.
1 establishment unit
CoCoMa SPRL
since 20182.298.298.697
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21612C0002/00C019 | Brussels | 3,776 m² | 1 · 1,828 m² | 43.0 m · 10 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.
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CINAGI
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Of 1,557 companies in sector 46900 we hold annual accounts for 913. 590 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-01-2018
Fiscal year end30-06
Activities, NACEBEL
46900Non-specialised wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.