COESIO
ActiveCOESIO has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €268k and a net result of €170. Equity is growing by ~30.1% per year across the filed fiscal years. Its solvency ranks better than 53% of 18207 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability57▼-22
Solvency63▼-1
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 1.53 against 1.65 in 2024; short-term debt: 62.3% and cash: 3.4% of total assets), but 62.3% 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.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 →
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
37.7%
Return on assets
0%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 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 · 10 filingsDeviation from the deadline
2025
2 d late
2024
13 d late
2023
113 d late
2022
on the day
2021
7 d late
2020
1 d late
2018
8 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€664k
EBIT margin
0.6%
Net result
€170▼ 99.7%
2024 · €56k
2018: €12k
2020: €41k
2021: €110k
2022: €85k
2023: €265k
2024: €56k
2018 → 2025
Working capital
€234k▼ 5.3%
2024 · €247k
2018: €30k
2020: €50k
2021: €118k
2022: €184k
2023: €171k
2024: €247k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€664k
Equity€106k-€141k▲ 33.3%€211k▲ 49.8%€267k▲ 26.6%€268k▲ 0.1%
Operating result€125k-€101k▼ 19.1%€292k▲ 188%€76k▼ 74.1%€4k▼ 94.5%
Net result€110k-€85k▼ 22.7%€265k▲ 211%€56k▼ 78.8%€170▼ 99.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 95% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €711k
Fixed assets
€34k▼ 41.4%
Current assets
€677k▲ 7.8%
Equity and liabilities €711k
Equity
€268k▲ 0.1%
Debt
€443k▲ 6.0%
The debt ratio rises from 61.0% to 62.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€31k▼
2024 · €104k
Cash flow
€27k▼
2024 · €84k
Solvency
37.7%▼
2024 · 39.0%
Current ratio
1.53▼
2024 · 1.65
Quick ratio
1.53▼
2024 · 1.65
Debt / equity
1.66▲
2024 · 1.56
ROE
0.1%▼
2024 · 21.0%
ROA
0.0%▼
2024 · 8.2%
Interest coverage
5.59▼
2024 · 15.58
Debt
€443k▲
2024 · €418k
Debt ≤ 1 year
€443k▲
2024 · €381k
Debt > 1 year
€0▼
2024 · €23k
Income taxes
€613▼
2024 · €19k
Staff costs
€153k▼
2024 · €184k
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€685k€711k▲
Fixed assets21/28€58k€34k▼
Intangible fixed assets21€325€107▼
Tangible fixed assets22/27€55k€31k▼
Plant, machinery and equipment23€4k€1k▼
Furniture and vehicles24€51k€30k▼
Financial fixed assets28€2k€2k=
Current assets29/58€628k€677k▲
Amounts receivable after more than one year29€250k€250k=
Trade receivables290€250k€250k=
Amounts receivable within one year40/41€365k€392k▲
Trade receivables40€237k€316k▲
Other amounts receivable41€127k€76k▼
Cash at bank and in hand54/58€2k€24k▲
Deferred charges and accrued income490/1€11k€10k▼
Equity and liabilities
Total equity and liabilities10/49€685k€711k▲
Equity10/15€267k€268k▲
Contributions10/11€8k€8k=
Reserves13€4k€4k=
Distributable reserves133€4k€4k=
Profit (loss) carried forward14€255k€256k▲
Amounts payable17/49€418k€443k▲
Amounts payable after more than one year17€23k€0▼
Financial debts170/4€13k€0▼
Other amounts payable178/9€10k€0▼
Amounts payable within one year42/48€381k€443k▲
Current portion of amounts payable after more than one year42€48k€13k▼
Financial debts43€75k€0▼
Credit institutions430/8€75k€0▼
Trade debts44€155k€213k▲
Suppliers440/4€155k€213k▲
Taxes, remuneration and social security45€25k€39k▲
Taxes450/3€3k€18k▲
Remuneration and social security454/9€22k€21k▼
Other amounts payable47/48€78k€179k▲
Accrued charges and deferred income492/3€14k€0▼
Income statement
Code20242025
Turnover70-€664k
Non-recurring operating income76A-€3k
Goods, raw materials, services and sundry goods60/61-€480k
Remuneration, social security and pensions62€184k€153k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€27k▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€289k€186k▼
Operating profit (loss)9901€76k€4k▼
Financial income75/76B€6k€2k▼
Recurring financial income75€6k€2k▼
Financial charges65/66B€7k€6k▼
Recurring financial charges65€7k€6k▼
Profit (loss) for the period before taxes9903€75k€783▼
Income taxes67/77€19k€613▼
Profit (loss) for the period9904€56k€170▼
Profit (loss) for the period to be appropriated9905€56k€170▼
Appropriation of the result
Profit (loss) to be appropriated9906€255k€256k▲
Profit (loss) brought forward from the previous period14P€199k€255k▲
The notes to these accounts (12 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
02-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 2 days late
2025
30-06
Financial
Weakest financial yearnet €170 ▼99.7%
Net result drops to €170, the lowest in the series.
13-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 13 days late
2024
23-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 113 days late
2023
30-06
Financial
Highest result since 2018net €265k ▲211%
Operating result €292k, net result €265k, both a record.
30-06
Financial
Equity above €200kEq €211k ▲49.8%
5 profitable years in a row build equity to €211k.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 7 days late
2021
30-06
Financial
Equity above €100kEq €106k ▲161%
3 profitable years in a row build equity to €106k.
01-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 1 day late
2019
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
25-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
02-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Chimay · 1 establishment unit since 1997
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 des Tilleuls(CH) 46460 ChimayGround area
777 m²
Building footprint
138 m²
Volume, LiDAR
785 m³
Parcel 56016C0269/00A003, Wallonia · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Coco Construct
since 19972.084.579.686
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56016C0269/00A003 | Wallonia | 777 m² | 1 · 138 m² | 7.8 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.
Similar companies · same sector, comparable size
JK FUTURES
BE 0552.575.049
Mortsel · Eq €268k
BAVA
BE 0881.552.628
Mouscron · Eq €268k
DARI-NEILA
BE 0550.652.865
Schaarbeek · Eq €267k
SUPER SHOPPING
BE 0436.236.912
Dentergem · Eq €267k
CYANAR
BE 0464.236.555
Ciney · Eq €268k
Of 10,524 companies in sector 47110 we hold annual accounts for 5,859. 3,922 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-10-1997
Fiscal year end30-06
Activities, NACEBEL
41001General construction of residential buildings
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
52112
47252Retail sale of beverages, general range
47260Retail trade
52250Logistics services
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.