COFIMAS
ActiveCOFIMAS has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.10M and a net result of €83k. Equity is growing by ~15.3% per year across the filed fiscal years. Its solvency ranks better than 95% of 12637 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
86
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability38▼-23
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €95k at 30 days acceptable
balance sheet total too small for a liquidity verdict, and 0.4% 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○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
Sector 69
lower
← 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
99.6%
Return on assets
7.6%
Age of the figures
8 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 24-08-2026, 24 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
24 d late
2024
13 d early
2023
26 d late
2022
28 d late
2021
25 d late
2020
31 d late
2019
95 d late
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.10M▲ 8.2%
2024 · €1.01M
2018: €385k
2019: €499k
2020: €578k
2021: €663k
2022: €757k
2023: €890k
2024: €1.01M
2018 → 2025
Total assets
€1.10M▲ 6.6%
2024 · €1.03M
2018: €870k
2019: €979k
2020: €1.07M
2021: €1.16M
2022: €1.26M
2023: €929k
2024: €1.03M
2018 → 2025
Net result
€83k▼ 32.5%
2024 · €123k
2018: €50k
2019: €114k
2020: €114k
2021: €85k
2022: €94k
2023: €133k
2024: €123k
2018 → 2025
Working capital
€1.09M▲ 8.1%
2024 · €1.01M
2018: €376k
2019: €494k
2020: €578k
2021: €663k
2022: €755k
2023: €888k
2024: €1.01M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€663k-€757k▲ 14.1%€890k▲ 17.5%€1.01M▲ 13.9%€1.10M▲ 8.2%
Operating result€114k-€125k▲ 9.5%€159k▲ 27.3%€132k▼ 17.2%€87k▼ 34.3%
Net result€85k-€94k▲ 9.9%€133k▲ 41.3%€123k▼ 6.9%€83k▼ 32.5%
Turnover and EBIT margin not published: the abbreviated or 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 34% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.10M
Fixed assets
€2k▲ 196%
Current assets
€1.10M▲ 6.4%
Equity and liabilities €1.10M
Equity
€1.10M▲ 8.2%
Debt
€5k▼ 76.2%
The debt ratio falls from 2.0% to 0.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€87k▼
2024 · €133k
Cash flow
€84k▼
2024 · €124k
Solvency
99.6%▲
2024 · 98.0%
Debt / equity
0.00▼
2024 · 0.02
ROE
7.6%▼
2024 · 12.2%
ROA
7.6%▼
2024 · 11.9%
Interest coverage
278.92▼
2024 · 1141.32
Debt
€5k▼
2024 · €20k
Debt ≤ 1 year
€5k▼
2024 · €20k
Income taxes
€29k▼
2024 · €42k
A ratio outside any meaningful range has been withheld (balance sheet total €1.10M, equity €1.10M).
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€1.03M€1.10M▲
Fixed assets21/28€620€2k▲
Tangible fixed assets22/27€620€2k▲
Plant, machinery and equipment23€620€2k▲
Current assets29/58€1.03M€1.10M▲
Amounts receivable within one year40/41€14k€15k▲
Trade receivables40€2k€11k▲
Other amounts receivable41€12k€4k▼
Current investments50/53€879k€894k▲
Cash at bank and in hand54/58€140k€190k▲
Equity and liabilities
Total equity and liabilities10/49€1.03M€1.10M▲
Equity10/15€1.01M€1.10M▲
Contributions10/11€38k€38k=
Reserves13€975k€1.06M▲
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Distributable reserves133€971k€1.05M▲
Amounts payable17/49€20k€5k▼
Amounts payable within one year42/48€20k€5k▼
Trade debts44€96€2k▲
Suppliers440/4€96€2k▲
Taxes, remuneration and social security45€19k€2k▼
Taxes450/3€19k€2k▼
Other amounts payable47/48€1k€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€865€730▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€134k€89k▼
Operating profit (loss)9901€132k€87k▼
Financial income75/76B€34k€26k▼
Recurring financial income75€34k€26k▼
Financial charges65/66B€116€314▲
Recurring financial charges65€116€314▲
Profit (loss) for the period before taxes9903€166k€112k▼
Income taxes67/77€42k€29k▼
Profit (loss) for the period9904€123k€83k▼
Profit (loss) for the period to be appropriated9905€123k€83k▼
Appropriation of the result
Profit (loss) to be appropriated9906€123k€83k▼
Transfer to equity691/2€123k€83k▼
To other reserves6921€123k€83k▼
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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
31-12
Financial
Liquidity quadruplescurrent ratio 226.50
Current ratio from 50.57 to 226.50; short-term debt falls from €20k to €5k.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 50.57
Current ratio from 23.75 to 50.57; short-term debt falls from €39k to €20k.
31-12
Financial
Equity above €1MEq €1.01M ▲13.9%
7 profitable years in a row build equity to €1.01M.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Highest result since 2018net €133k ▲41.3%
Operating result €159k, net result €133k, both a record.
31-12
Financial
Liquidity times 9current ratio 23.75
Current ratio from 2.50 to 23.75; short-term debt falls from €503k to €39k.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 28 days late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 25 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Equity above €500kEq €578k ▲15.9%
3 profitable years in a row build equity to €578k.
03-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 95 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 28 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 29 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 days late
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, Antwerpen · 1 establishment unit since 1987
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.
Troyentenhoflaan 172600 AntwerpenGround area
473 m²
Building footprint
241 m²
Volume, LiDAR
2,348 m³
Parcel 11303C0244/00F002, Flanders · tallest building 15.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
.
since 19872.032.302.428
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11303C0244/00F002 | Flanders | 472 m² | 1 · 241 m² | 15.0 m · 4 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 721 EUR awarded · 721 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 95 EUR | 155 EUR |
| 2024 | 1 | 275 EUR | 215 EUR |
| 2023 | 1 | 117 EUR | 117 EUR |
| 2022 | 1 | 234 EUR | 234 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 2,256 companies in sector 69209 we hold annual accounts for 1,089. 577 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded14-12-1987
Fiscal year end31-12
Trade name NL
HET KMO-HUIS of DE MAN (AGEMENT)
Activities, NACEBEL
69202Legal and accounting activities
69209Other tax advisory services
74121
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:dirk@fiduciaire-deman.be