Cod3.Systems
ActiveSummary
Cod3.Systems has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €52k and a net result of €49k. Its solvency ranks better than 70% of 17090 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes
Profitability100
Solvency100
Growth-
Track record67
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 4.19; short-term debt: 23.4% and cash: 48.7% of total assets), and 23.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← 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
76.6%
Return on assets
72.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 · 1 filingDeviation from the deadline
2025
26 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€52k
Total assets
€67k
Net result
€49k
Working capital
€50k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €67k
Fixed assets
€1k
Current assets
€66k
Equity and liabilities €67k
Equity
€52k
Debt
€16k
Debt finances 23.4% of the balance-sheet total.
Key figures and ratios
EBITDA
€63k
Cash flow
€50k
Current ratio
4.19
Debt to equity
0.31
ROE
95.2%
ROA
72.9%
Interest coverage
1166.09
Debt ≤ 1 year
€16k
Income taxes
€12k
Filed annual accounts As filed with the NBB · 2025 · 33 lines
Balance sheet
Code2025
Assets
Total assets20/58€67k
Fixed assets21/28€1k
Tangible fixed assets22/27€1k
Furniture and vehicles24€1k
Current assets29/58€66k
Amounts receivable within one year40/41€33k
Trade receivables40€31k
Other amounts receivable41€3k
Cash at bank and in hand54/58€33k
Equity and liabilities
Total equity and liabilities10/49€67k
Equity10/15€52k
Contributions10/11€3k
Reserves13€49k
Distributable reserves133€49k
Amounts payable17/49€16k
Amounts payable within one year42/48€16k
Trade debts44€134
Suppliers440/4€134
Taxes, remuneration and social security45€12k
Taxes450/3€12k
Other amounts payable47/48€3k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k
Gross operating margin9900€63k
Operating profit (loss)9901€62k
Financial charges65/66B€54
Recurring financial charges65€54
Profit (loss) for the period before taxes9903€61k
Income taxes67/77€12k
Profit (loss) for the period9904€49k
Profit (loss) for the period to be appropriated9905€49k
Appropriation of the result
Profit (loss) to be appropriated9906€49k
Transfer to equity691/2€49k
To other reserves6921€49k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2025 |
|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1k |
| Gross operating margin9900 | €63k |
| Operating profit (loss)9901 | €62k |
| Financial charges65/66B | €54 |
| Recurring financial charges65 | €54 |
| Profit (loss) for the period before taxes9903 | €61k |
| Income taxes67/77 | €12k |
| Profit (loss) for the period9904 | €49k |
| Profit (loss) for the period to be appropriated9905 | €49k |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €67k | |
| Fixed assets21/28 | €1k | |
| Tangible fixed assets22/27 | €1k | |
| Furniture and vehicles24 | €1k | |
| Current assets29/58 | €66k | |
| Amounts receivable within one year40/41 | €33k | |
| Trade receivables40 | €31k | |
| Other amounts receivable41 | €3k | |
| Cash at bank and in hand54/58 | €33k | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €67k | |
| Equity10/15 | €52k | |
| Contributions10/11 | €3k | |
| Reserves13 | €49k | |
| Distributable reserves133 | €49k | |
| Amounts payable17/49 | €16k | |
| Amounts payable within one year42/48 | €16k | |
| Trade debts44 | €134 | |
| Suppliers440/4 | €134 | |
| Taxes, remuneration and social security45 | €12k | |
| Taxes450/3 | €12k | |
| Other amounts payable47/48 | €3k | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €49k |
| + Depreciation and write-downs630 | €1k |
| Operating cash flow (approximation) | €50k |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Tournai · 1 establishment unit since 2025
Ground area
710 m²
Building footprint
105 m²
Volume, LiDAR
634 m³
Parcel 57042A0277/00C006, Wallonia · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Cod3.Systems
since 20252.377.171.674
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57042A0277/00C006 | Wallonia | 710 m² | 1 · 105 m² | 8.4 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.
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Of 16,879 companies in sector 62100 we hold annual accounts for 8,771. 6,806 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
Founded20-08-2025
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
47400Retail sale of information and communication equipment
62200Computer consultancy and computer facilities management
62900Other information technology and computer services
77330Rental and leasing activities
Contact
E-mail
admin@cod3.systems
Phone
+32455177291
Scores and ratios are computed by Checked and are not a credit decision.