COELLU
ActiveThe computed 12-month bankruptcy probability of COELLU is 2.1% (moderate). The 2025 annual accounts show equity of €70k and a net result of €-28k. Equity is growing by ~6.2% per year across the filed fiscal years. Its solvency ranks better than 62% of 18035 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency91▼-8
Growth52=
Stability100
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 1.89 against 2.61 in 2024), but 51.3% 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 · 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
48.7%
Return on assets
-19.8%
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 31-07-2026, 0 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
on the day
2024
119 d late
2023
2 d early
2022
7 d early
2021
2 d early
2020
3 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€70k▼ 28.8%
2024 · €98k
2020: €48k
2021: €75k
2022: €93k
2023: €62k
2024: €98k
2020 → 2025
Total assets
€144k▼ 9.6%
2024 · €159k
2020: €226k
2021: €188k
2022: €162k
2023: €127k
2024: €159k
2020 → 2025
Net result
€-28k
2024 · €37k
2020: €42k
2021: €27k
2022: €18k
2023: €-32k
2024: €37k
2020 → 2025
Working capital
€65k▼ 32.9%
2024 · €98k
2020: €54k
2021: €88k
2022: €90k
2023: €56k
2024: €98k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€75k-€93k▲ 24.2%€62k▼ 34.1%€98k▲ 60.1%€70k▼ 28.8%
Operating result€36k-€31k▼ 13.9%€-30k€40k€-28k
Net result€27k-€18k▼ 33.5%€-32k€37k€-28k
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 2025: a loss of €28k after €40k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €144k
Fixed assets
€5k▲ 383%
Current assets
€139k▼ 12.0%
Equity and liabilities €144k
Equity
€70k▼ 28.8%
Debt
€74k▲ 21.8%
The debt ratio rises from 38.1% to 51.3%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-27k▼
2024 · €41k
Cash flow
€-27k▼
2024 · €38k
Solvency
48.7%▼
2024 · 61.9%
Current ratio
1.89▼
2024 · 2.61
Quick ratio
1.37▼
2024 · 2.00
Debt / equity
1.05▲
2024 · 0.61
ROE
-40.5%▼
2024 · 37.5%
ROA
-19.8%▼
2024 · 23.2%
Interest coverage
-11.41▼
2024 · 17.77
Debt
€74k▲
2024 · €60k
Debt ≤ 1 year
€74k▲
2024 · €60k
Income taxes
€141▲
2024 · €96
Staff costs
€26k▼
2024 · €30k
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€159k€144k▼
Fixed assets21/28€960€5k▲
Tangible fixed assets22/27€960€5k▲
Plant, machinery and equipment23€960€3k▲
Furniture and vehicles24-€2k
Current assets29/58€158k€139k▼
Stocks and contracts in progress3€37k€38k▲
Stocks30/36€37k€38k▲
Amounts receivable within one year40/41€40k€71k▲
Trade receivables40€35k€27k▼
Other amounts receivable41€5k€44k▲
Cash at bank and in hand54/58€79k€29k▼
Deferred charges and accrued income490/1€2k€809▼
Equity and liabilities
Total equity and liabilities10/49€159k€144k▼
Equity10/15€98k€70k▼
Contributions10/11€6k€6k=
Profit (loss) carried forward14€92k€64k▼
Amounts payable17/49€60k€74k▲
Amounts payable within one year42/48€60k€74k▲
Trade debts44€40k€45k▲
Suppliers440/4€40k€45k▲
Taxes, remuneration and social security45€21k€9k▼
Taxes450/3€10k€4k▼
Remuneration and social security454/9€11k€5k▼
Other amounts payable47/48-€20k
Income statement
Code20242025
Non-recurring operating income76A-€3k
Remuneration, social security and pensions62€30k€26k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Other operating charges640/8€767€2k▲
Gross operating margin9900€72k€2k▼
Operating profit (loss)9901€40k€-28k▼
Financial income75/76B€5€2k▲
Recurring financial income75€5€2k▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€2k€2k▲
Non-recurring financial charges66B€237-
Profit (loss) for the period before taxes9903€37k€-28k▼
Income taxes67/77€96€141▲
Profit (loss) for the period9904€37k€-28k▼
Profit (loss) for the period to be appropriated9905€37k€-28k▼
Appropriation of the result
Profit (loss) to be appropriated9906€92k€64k▼
Profit (loss) brought forward from the previous period14P€56k€92k▲
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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 119 days late
2024
31-12
Financial
Back to profitnet €37k
Net result €37k after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-32k ▼275%
Net result drops to €-32k, the lowest in the series; recovery starts the following year.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB 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 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Seraing · 1 establishment unit since 2019
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.
Rue de Rotheux 384100 SeraingGround area
926 m²
Building footprint
457 m²
Volume, LiDAR
2,080 m³
Parcel 62356F0075/00G000, Wallonia · tallest building 5.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
COELLU
since 20192.299.035.503
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62356F0075/00G000 | Wallonia | 926 m² | 1 · 457 m² | 5.9 m · 1 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
Food safety, FASFC
1 siteSeraing2.299.035.503
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Of 1,260 companies in sector 47300 we hold annual accounts for 944. 757 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-11-2019
Fiscal year end31-12
Activities, NACEBEL
47300Retail sale of automotive fuel
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.