COFILEM
ActiveSummary
COFILEM has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €99,035 and a net result of €24,702. Equity is shrinking by ~3% per year across the filed fiscal years. Its solvency ranks better than 55% of 12819 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability88▼-2
Solvency86▼-14
Growth58=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8,000 at 30 days acceptable
Liquidity ample (current ratio 2.26 against 4.64 in 2024; short-term debt: 38.5% and cash: 32.7% of total assets), and 38.6% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
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 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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
61.4%
Return on assets
15.3%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 31-12-2025, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
19 d early
2023
60 d early
2022
9 d early
2021
60 d early
2020
33 d early
2019
35 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 35 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 31 December (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close28-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€99,035▼ 21.7%
2024 · €126,528
Total assets
€161,347▲ 3.9%
2024 · €155,268
Net result
€24,702▼ 7.7%
2024 · €26,750
Working capital
€77,980▼ 24.9%
2024 · €103,775
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€19,432▼ 20.7%€24,189▲ 24.5%€26,003▲ 7.5%€35,283▲ 35.7%€32,280▼ 8.5%
Net result€13,837within the sector's middle half▼ 24.5%€17,453within the sector's middle half▲ 26.1%€19,220within the sector's middle half▲ 10.1%€26,750within the sector's middle half▲ 39.2%€24,702within the sector's middle half▼ 7.7%
Equity€114,405within the sector's middle half▼ 1.0%€114,858within the sector's middle half▲ 0.4%€117,078within the sector's middle half▲ 1.9%€126,528within the sector's middle half▲ 8.1%€99,035within the sector's middle half▼ 21.7%
Total assets€136,955within the sector's middle half▼ 3.6%€140,968within the sector's middle half▲ 2.9%€143,040within the sector's middle half▲ 1.5%€155,268within the sector's middle half▲ 8.5%€161,347within the sector's middle half▲ 3.9%
Debt€22,550▼ 15.0%€26,110▲ 15.8%€25,962▼ 0.6%€28,740▲ 10.7%€62,312▲ 117%
Working capital€73,853within the sector's middle half▲ 11.1%€82,079within the sector's middle half▲ 11.1%€89,553within the sector's middle half▲ 9.1%€103,775within the sector's middle half▲ 15.9%€77,980within the sector's middle half▼ 24.9%
Solvency83.5%above the sector's middle half▲ 2.2pp81.5%above the sector's middle half▼ 2.1pp81.8%above the sector's middle half▲ 0.4pp81.5%above the sector's middle half▼ 0.4pp61.4%within the sector's middle half▼ 20.1pp
Current ratio4.30within the sector's middle half▲ 0.784.16within the sector's middle half▼ 0.144.48within the sector's middle half▲ 0.314.64within the sector's middle half▲ 0.162.26within the sector's middle half▼ 2.38
Return on assets (ROA)10.1%within the sector's middle half▼ 2.8pp12.4%within the sector's middle half▲ 2.3pp13.4%within the sector's middle half▲ 1.1pp17.2%within the sector's middle half▲ 3.8pp15.3%within the sector's middle half▼ 1.9pp
above
within
below
the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings.
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 9% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €161,347
Fixed assets
€21,253 ▼ 7.4%
Current assets
€140,094 ▲ 5.9%
Equity and liabilities €161,347
Equity
€99,035 ▼ 21.7%
Debt
€62,312 ▲ 117%
Debt's share of the balance-sheet total rises from 18.5% to 38.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€37,067▼
2024 · €40,053
Cash flow
€29,489▼
2024 · €31,520
Quick ratio
2.23▼
2024 · 4.64
Debt to equity
0.63▲
2024 · 0.23
ROE
24.9%▲
2024 · 21.1%
Interest coverage
92.90▼
2024 · 98.90
Debt ≤ 1 year
€62,114▲
2024 · €28,546
Income taxes
€9,342▼
2024 · €10,238
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,349 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.4%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 31,349 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10,490 | €7,773 | €5,236 | €4,770 | €4,787 | ▲ 0.4% |
| Other operating charges640/8 | - | €1,392 | €1,483 | €1,670 | €1,735 | ▲ 3.9% |
| Gross operating margin9900 | €31,540 | €33,354 | €32,722 | €41,723 | €38,802 | ▼ 7.0% |
| Operating profit (loss)9901 | €19,432 | €24,189 | €26,003 | €35,283 | €32,280 | ▼ 8.5% |
| Financial income75/76B | - | €438 | €955 | €2,110 | €2,163 | ▲ 2.5% |
| Recurring financial income75 | €565 | €438 | €955 | €2,110 | €2,163 | ▲ 2.5% |
| Financial charges65/66B | - | €305 | €349 | €405 | €399 | ▼ 1.5% |
| Recurring financial charges65 | €284 | €305 | €349 | €405 | €399 | ▼ 1.5% |
| Profit (loss) for the period before taxes9903 | €19,713 | €24,322 | €26,609 | €36,988 | €34,044 | ▼ 8.0% |
| Income taxes67/77 | €5,876 | €6,869 | €7,389 | €10,238 | €9,342 | ▼ 8.8% |
| Profit (loss) for the period9904 | €13,837 | €17,453 | €19,220 | €26,750 | €24,702 | ▼ 7.7% |
| Profit (loss) for the period to be appropriated9905 | €13,837 | €17,453 | €19,220 | €26,750 | €24,702 | ▼ 7.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €136,955 | €140,968 | €143,040 | €155,268 | €161,347 | ▲ 3.9% |
| Fixed assets21/28 | €40,726 | €32,953 | €27,717 | €22,947 | €21,253 | ▼ 7.4% |
| Tangible fixed assets22/27 | €40,726 | €32,953 | €27,717 | €22,947 | €21,253 | ▼ 7.4% |
| Land and buildings22 | - | €32,125 | €27,536 | €22,947 | €18,358 | ▼ 20.0% |
| Furniture and vehicles24 | - | €828 | €181 | - | €987 | - |
| Other tangible fixed assets26 | - | - | - | - | €1,908 | - |
| Current assets29/58 | €96,229 | €108,015 | €115,323 | €132,321 | €140,094 | ▲ 5.9% |
| Amounts receivable after more than one year29 | - | - | - | €13,655 | €7,577 | ▼ 44.5% |
| Other amounts receivable291 | - | - | - | €13,655 | €7,577 | ▼ 44.5% |
| Stocks and contracts in progress3 | - | - | - | - | €1,875 | - |
| Contracts in progress37 | - | - | - | - | €1,875 | - |
| Amounts receivable within one year40/41 | €20,322 | €23,541 | €25,629 | €40,332 | €15,021 | ▼ 62.8% |
| Trade receivables40 | - | €22,533 | €23,810 | €34,816 | €9,405 | ▼ 73.0% |
| Other amounts receivable41 | - | €1,008 | €1,819 | €5,516 | €5,616 | ▲ 1.8% |
| Current investments50/53 | €30,000 | €30,000 | €37,000 | €49,000 | €61,000 | ▲ 24.5% |
| Cash at bank and in hand54/58 | €42,495 | €50,567 | €50,033 | €26,797 | €52,701 | ▲ 96.7% |
| Deferred charges and accrued income490/1 | - | €3,907 | €2,661 | €2,537 | €1,920 | ▼ 24.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €136,955 | €140,968 | €143,040 | €155,268 | €161,347 | ▲ 3.9% |
| Equity10/15 | €114,405 | €114,858 | €117,078 | €126,528 | €99,035 | ▼ 21.7% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €95,003 | €95,456 | €97,676 | €107,928 | €80,435 | ▼ 25.5% |
| Non-distributable reserves130/1 | - | €8,961 | €8,961 | €8,961 | €8,961 | = |
| Reserves not available under the articles1311 | - | €8,961 | €8,961 | €8,961 | €8,961 | = |
| Distributable reserves133 | - | €86,495 | €88,715 | €98,967 | €71,474 | ▼ 27.8% |
| Profit (loss) carried forward14 | €802 | €802 | €802 | - | - | - |
| Amounts payable17/49 | €22,550 | €26,110 | €25,962 | €28,740 | €62,312 | ▲ 117% |
| Amounts payable within one year42/48 | €22,376 | €25,936 | €25,770 | €28,546 | €62,114 | ▲ 118% |
| Financial debts43 | - | €2,561 | €2,028 | €2,039 | €2,030 | ▼ 0.4% |
| Credit institutions430/8 | - | €2,561 | €2,028 | €2,039 | €2,030 | ▼ 0.4% |
| Trade debts44 | €621 | €392 | €344 | €373 | €386 | ▲ 3.5% |
| Suppliers440/4 | - | €392 | €344 | €373 | €386 | ▲ 3.5% |
| Taxes, remuneration and social security45 | - | €5,407 | €5,798 | €7,404 | €6,114 | ▼ 17.4% |
| Taxes450/3 | - | €4,955 | €5,292 | €7,404 | €6,114 | ▼ 17.4% |
| Remuneration and social security454/9 | - | €452 | €506 | - | - | - |
| Other amounts payable47/48 | - | €17,576 | €17,600 | €18,730 | €53,584 | ▲ 186% |
| Accrued charges and deferred income492/3 | - | €174 | €192 | €194 | €198 | ▲ 2.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €13,837 | €17,453 | €19,220 | €26,750 | €24,702 | ▼ 7.7% |
| + Depreciation and write-downs630 | €10,490 | €7,773 | €5,236 | €4,770 | €4,787 | ▲ 0.4% |
| Operating cash flow (approximation) | €24,327 | €25,226 | €24,456 | €31,520 | €29,489 | ▼ 6.4% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | -€3,093 | - |
| Change in cash | - | €8,072 | -€534 | -€23,236 | €25,904 | ▲ 211% |
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
Next filing, fiscal year 2026, expected by
2025
31-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
12-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Highest result since 2019net €26,750 ▲39.2%
Operating result €35,283, net result €26,750, both a record.
2023
02-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
22-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
02-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
29-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
27-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
26-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
28-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
22-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Jemeppe-sur-Sambre · 1 establishment unit since 2009
Ground area
1,671 m²
Building footprint
279 m²
Volume, LiDAR
1,554 m³
2 parcels, Wallonia · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue François-Hittelet 143, 5190 Jemeppe-sur-Sambre
since 20092.189.928.616
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92068C0467/00K000 | Wallonia | 1,125 m² | 1 · 106 m² | - |
| 92068C0464/00X000 | Wallonia | 546 m² | 1 · 173 m² | 10.3 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels 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
64882L36IQK10D3B6I40
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Of 12,174 companies in sector 69201 we hold annual accounts for 7,641. 6,480 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
Founded11-08-2000
Fiscal year end30-06
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Contact
E-mail
cofilem@skynet.beJemeppe-sur-Sambre
Phone
071/780.444Jemeppe-sur-Sambre
Fax
071/789.926Jemeppe-sur-Sambre
E-invoicing
Reachable via Peppol
Peppol ID
0208:0472550247
Registered
02-07-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.