Cocovato
ActiveCocovato has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €86k and a net result of €33k. Its solvency ranks better than 73% of 16989 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+18
Growth52
Track record82
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days only on tighter terms
Liquidity ample (current ratio 4.75 against 2.25 in 2024; short-term debt: 20.7% and cash: 63% of total assets), and 20.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
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
79.3%
Return on assets
30.9%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
2 d early
2024
128 d early
← before the deadline
after the deadline →
neutral · 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 monthsPosition in the running window
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€86k▲ 61.2%
2024 · €53k
2024: €53k
2024 → 2025
Total assets
€108k▲ 15.5%
2024 · €94k
2024: €94k
2024 → 2025
Net result
€33k▼ 37.1%
2024 · €53k
2024: €53k
2024 → 2025
Working capital
€84k▲ 65.9%
2024 · €51k
2024: €51k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€53k-€86k▲ 61.2%
Operating result€67k-€45k▼ 33.7%
Net result€53k-€33k▼ 37.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 34% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €108k
Fixed assets
€2k▼ 33.6%
Current assets
€107k▲ 16.8%
Equity and liabilities €108k
Equity
€86k▲ 61.2%
Debt
€22k▼ 44.6%
The debt ratio falls from 43.2% to 20.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€45k▼
2024 · €68k
Cash flow
€34k▼
2024 · €54k
Solvency
79.3%▲
2024 · 56.8%
Current ratio
4.75▲
2024 · 2.25
Quick ratio
4.75▲
2024 · 2.25
Debt / equity
0.26▼
2024 · 0.76
ROE
38.9%▼
2024 · 99.7%
ROA
30.9%▼
2024 · 56.6%
Interest coverage
29.10▼
2024 · 509.09
Debt
€22k▼
2024 · €41k
Debt ≤ 1 year
€22k▼
2024 · €41k
Income taxes
€10k▼
2024 · €14k
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€94k€108k▲
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€3k€2k▼
Plant, machinery and equipment23€1k€865▼
Furniture and vehicles24€1k€808▼
Current assets29/58€91k€107k▲
Amounts receivable within one year40/41€20k€20k▲
Trade receivables40€20k€20k▲
Other amounts receivable41-€4
Current investments50/53-€16k
Cash at bank and in hand54/58€69k€68k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€94k€108k▲
Equity10/15€53k€86k▲
Contributions10/11€1k€1k=
Reserves13€52k€85k▲
Distributable reserves133€52k€85k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€41k€22k▼
Amounts payable within one year42/48€41k€22k▼
Financial debts43€19€86▲
Credit institutions430/8€19€86▲
Trade debts44-€45
Suppliers440/4-€45
Taxes, remuneration and social security45€27k€21k▼
Taxes450/3€27k€21k▼
Other amounts payable47/48€13k€1k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€533€847▲
Other operating charges640/8-€66
Gross operating margin9900€68k€45k▼
Operating profit (loss)9901€67k€45k▼
Financial income75/76B€3€0▼
Recurring financial income75€3€0▼
Financial charges65/66B€133€2k▲
Recurring financial charges65€133€2k▲
Profit (loss) for the period before taxes9903€67k€43k▼
Income taxes67/77€14k€10k▼
Profit (loss) for the period9904€53k€33k▼
Profit (loss) for the period to be appropriated9905€53k€33k▼
Appropriation of the result
Profit (loss) to be appropriated9906€53k€33k▼
Transfer to equity691/2€52k€33k▼
To other reserves6921€52k€33k▼
Profit to be distributed694/7€859€833▼
Return on contributions (dividend)694€859€833▼
The notes to these accounts (5 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity doublescurrent ratio 4.75
Current ratio from 2.25 to 4.75; short-term debt falls from €41k to €22k.
25-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Gent · 1 establishment unit since 2024
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.
Rozenlaan 19031 GentGround area
510 m²
Building footprint
67 m²
Volume, LiDAR
418 m³
Parcel 44017C0556/00Z002, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Cocovato
since 20242.356.249.071
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44017C0556/00Z002 | Flanders | 510 m² | 1 · 67 m² | 8.7 m · 2 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.
Recognitions · licences · registrations
Legal Entity Identifier
9845000F3FDDN9C3B157
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BE 0892.209.760
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OliNet
BE 0774.640.119
Sint-Niklaas · Eq €86k
Of 30,000 companies in sector 62200 we hold annual accounts for 18,392. 15,586 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-02-2024
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
62010Computer programming, consultancy and related activities
62100Computer programming
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.