Equity
€1.9m ▲ 0.8%
COFIMAT has made a profit in every financial year since 2006.
COFIMAT
Lifetime
20 annual accounts with figures on one time axis, 23 filings since 2003peak €323,806 (2020)
€311,423▼ 1.1%
peak €200,811 (2013)
€17,095▼ 86.9%
peak €1.9m (2025)
€1.9m▲ 0.8%
€1.3m▲ 22.5%
peak 1.6 FTE (2020)
0.6 FTEunchanged
Board1 name since 2021
1 directorCollet Jérôme
Owners
Documentsfilings and deeds
31-08-202631 days late
2025abbreviated format
Result from €130,380 to €17,095Debts from €1.0m to €1.3m
Key points
from the 2025 annual accountsResult
€17,095 ▼ 86.9%
The result fell in 2025: different schema filed.
Turnover
≈ €1.6m estimated
The accounts state no turnover.
Filings
23 annual accounts since 2003
Ten of the last ten came late. The 2019 accounts came latest: 101 days after the end of the period.
At the same address
16 companies
Position in the sector
€1.9m
More equity than 88% of companies in wholesale trade. Sector median €361,107 · 9,898 companies.
Checked score
93
Excellent
Financially stronger than 57% of micro companies in wholesale trade (NACE 46)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.4% across 26,891 companies (NACE 46, micro).
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.3%▲ +0.1 percentage points vs 03-2025
05-2025: 0.3%● unchanged vs 04-2025
06-2025: 0.3%● unchanged vs 05-2025
07-2025: 0.4%▲ +0.1 percentage points vs 06-2025
08-2025: 0.7%▲ +0.3 percentage points vs 07-2025
09-2025: 0.7%● unchanged vs 08-2025highest value
10-2025: 0.1%▼ -0.6 percentage points vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025lowest value
02-2026: 0.1%● unchanged vs 01-2026lowest value
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.3%▲ +0.2 percentage points vs 07-2026
09-2026: 0.1%▼ -0.2 percentage points vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Last filed accounts filed 31 days late; 1 of the last 3 accounts late
lowers risk
Size: 0.6 FTE, total assets €3.1m
Founded in 2003
Figures for financial year 2025 (filed on 02-09-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, micro). It does better than 66% of them on solvency, 65% on liquidity, 52% on profitability and 44% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 17,041 companies had the same profile as COFIMAT has now. Each dot stands for 43 companies, two years later.
94.4%
were still trading
4.9%
stopped another way
0.5%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of COFIMAT itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 17,041 companies, not a prediction for COFIMAT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €170,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.53 (2.49 in 2024), above the usual 1.5. Short-term debt is 14.5% and cash 9.2% of total assets. 40.6% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
31 days late
2024
29 days late
2023
30 days late
2022
31 days late
2021
52 days late
2020
31 days late
2019
101 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 44 days after the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
CJ
Collet Jérôme
Director
- COBEMAT 0.05%score 95equity €1.0m (2025) · annual accounts 2017
Shares in 6 companies, including CEOPS and Compagnie Française des Granulats
Board & ownershipRecent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0479216028
Purpose change · Amendment of the articles · Legal-form change · Resignations & appointments
“Toutes les opérations commerciales et industrielles,dans toutes ses formes et dans son sens le plus large,se…” (deed in French) · General meeting of 18-12-2023 · Gazette deed
2 establishments registered
Ixelles
First establishment
Waterloose Steenweg 468, Ixelles
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| COFIMAT Ixelles | €3.1m | €311,423 | 59.4% | 0.6 |
| Bovacks Invest Lochristi | €3.0m | €418,863 | 8.3% | 0.6 |
| VANHEUVERSWYN & CO Kruisem | €3.9m | €325,925 | 57.4% | 0.9 |
| QUARTZLINE Kalmthout | €2.5m | €435,286 | 88.1% | 1 |
| AL-BORENO Tessenderlo | €3.1m | €534,447 | 81.5% | 1 |
| ENGELEN VLOER & TEGELHANDEL Lommel | €3.0m | €648,269 | 95.1% | 1.3 |
| TAPS & BATHS Schelle | €1.5m | €274,529 | 41.3% | 1 |
These companies have the same main activity as COFIMAT: wholesale of construction materials, general range (NACE 46831). They are comparable in size and age: total assets between €1.5m and €3.9m, founded between 1997 and 2001.
Official details
Source: KBO- Status
- Active since 07-01-2003Normal situation
- Registered office
- 18 active companies are registered at this addressSource: KBO register, as of 9 November 2026.
- Activity
- Wholesale of construction materials, general rangeNACE 46831and 6 others
- Establishment units
- 2.126.921.5721050 Ixelles, since 01-04-2003
- 2.338.694.2491050 Ixelles, since 25-10-2022and 1 other
- Financial year end
- 31 December
- Peppol
- Reachable since 22-12-2025
Insights on COFIMAT
COFIMAT files the abbreviated format. That format states no turnover. The gross margin rose from €80,332 in 2006 to €311,423 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about COFIMAT
- What is the company number of COFIMAT?
- The company number of COFIMAT is 0479.216.028. The VAT number is the same number with BE in front: BE 0479.216.028.
- Where is COFIMAT based?
- The registered office is at Waterloose Steenweg 468, 1050 Ixelles.Company details
- What does COFIMAT do?
- According to the KBO register, the main activity is wholesale of construction materials, general range (NACE 46831).
- What is the legal form of COFIMAT?
- COFIMAT is a private limited company (BV).
- When was COFIMAT founded?
- COFIMAT was founded on 07-01-2003.
- Is COFIMAT still active?
- Yes, COFIMAT is an active enterprise in the KBO register.
- How many employees does COFIMAT have?
- COFIMAT had an average of 0.6 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of COFIMAT?
- The turnover in financial year 2025 is ≈ €1.6m. This figure is estimated from the gross margin of €311,423 and 139 comparable companies (NACE 46). It probably lies between €990,000 and €2.7m.
- Is COFIMAT profitable?
- In financial year 2025, COFIMAT made a profit of €17,095.
- Where can I find the annual accounts of COFIMAT?
- COFIMAT filed 23 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of COFIMAT due?
- COFIMAT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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