COFIS CONSULT
ActiveCOFIS CONSULT has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €94k and a net result of €22k. Equity is growing by ~8.4% per year across the filed fiscal years. Its solvency ranks better than 51% of 12632 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
68
/ 100
Healthy▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency70▲+12
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity short (current ratio 0.77 against 0.53 in 2024), and 42.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
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
57.2%
Return on assets
13.1%
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 26-08-2026, 26 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
26 d late
2024
26 d late
2023
28 d late
2022
28 d late
2021
30 d late
2020
27 d late
2019
89 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€94k▲ 29.8%
2024 · €73k
2018: €55k
2019: €55k
2020: €65k
2021: €76k
2022: €90k
2023: €95k
2024: €73k
2018 → 2025
Total assets
€165k▲ 3.8%
2024 · €159k
2018: €182k
2019: €162k
2020: €159k
2021: €159k
2022: €160k
2023: €170k
2024: €159k
2018 → 2025
Net result
€22k▼ 4.3%
2024 · €23k
2018: €9k
2019: €-17
2020: €11k
2021: €11k
2022: €14k
2023: €5k
2024: €23k
2018 → 2025
Working capital
€-16k▲ 59.7%
2024 · €-40k
2018: €33k
2019: €27k
2020: €28k
2021: €25k
2022: €23k
2023: €18k
2024: €-40k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€76k-€90k▲ 18.3%€95k▲ 5.2%€73k▼ 23.3%€94k▲ 29.8%
Operating result€18k-€22k▲ 21.7%€10k▼ 55.8%€38k▲ 291%€35k▼ 8.3%
Net result€11k-€14k▲ 22.5%€5k▼ 66.3%€23k▲ 381%€22k▼ 4.3%
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 8% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €165k
Fixed assets
€111k▼ 2.4%
Current assets
€54k▲ 19.4%
Equity and liabilities €165k
Equity
€94k▲ 29.8%
Debt
€71k▼ 18.1%
The debt ratio falls from 54.3% to 42.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€44k▼
2024 · €48k
Cash flow
€30k▼
2024 · €32k
Solvency
57.2%▲
2024 · 45.7%
Current ratio
0.77▲
2024 · 0.53
Quick ratio
0.77▲
2024 · 0.53
Debt / equity
0.75▼
2024 · 1.19
ROE
22.9%▼
2024 · 31.1%
ROA
13.1%▼
2024 · 14.2%
Interest coverage
26.02▲
2024 · 15.25
Debt
€71k▼
2024 · €86k
Debt ≤ 1 year
€70k▼
2024 · €85k
Income taxes
€12k▼
2024 · €12k
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€165k▲
Fixed assets21/28€114k€111k▼
Tangible fixed assets22/27€114k€111k▼
Land and buildings22€113k€107k▼
Furniture and vehicles24€332€4k▲
Current assets29/58€45k€54k▲
Amounts receivable within one year40/41€36k€33k▼
Trade receivables40€36k€33k▼
Other amounts receivable41€53€50▼
Cash at bank and in hand54/58€8k€19k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€159k€165k▲
Equity10/15€73k€94k▲
Contributions10/11€8k€8k=
Reserves13€65k€86k▲
Distributable reserves133€65k€86k▲
Amounts payable17/49€86k€71k▼
Amounts payable within one year42/48€85k€70k▼
Current portion of amounts payable after more than one year42€16k-
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€12k€16k▲
Taxes450/3€11k€14k▲
Remuneration and social security454/9€870€2k▲
Other amounts payable47/48€54k€52k▼
Accrued charges and deferred income492/3€2k€770▼
Income statement
Code20242025
Non-recurring operating income76A€69€60▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€8k▼
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A€323€623▲
Gross operating margin9900€50k€46k▼
Operating profit (loss)9901€38k€35k▼
Financial income75/76B€82€108▲
Recurring financial income75€82€108▲
Financial charges65/66B€4k€2k▼
Recurring financial charges65€3k€2k▼
Non-recurring financial charges66B€621€1▼
Profit (loss) for the period before taxes9903€35k€34k▼
Income taxes67/77€12k€12k▼
Profit (loss) for the period9904€23k€22k▼
Profit (loss) for the period to be appropriated9905€23k€22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€23k€22k▼
Transfer from equity791/2€45k-
Transfer to equity691/2€23k€22k▼
To other reserves6921€23k€22k▼
Profit to be distributed694/7€45k-
Return on contributions (dividend)694€45k-
The notes to these accounts (7 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Highest result since 2018net €23k ▲381%
Operating result €38k, net result €23k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 89 days late
2019
31-12
Financial
Weakest financial yearnet €-17 ▼100%
Net result drops to €-17, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 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, Nivelles · 2 establishment units since 2008
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 Octave Sanspoux 61400 NivellesGround area
2,372 m²
Building footprint
461 m²
Volume, LiDAR
5,008 m³
2 parcels, Wallonia · tallest building 15.4 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
Rue Octave Sanspoux 6, 1400 Nivelles
since 20082.249.426.436
Rue de Paris 1, 1400 Nivelles
since 20152.249.426.733
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25072B0385/00Z004 | Wallonia | 1,813 m² | 1 · 393 m² | 15.4 m · 4 fl. |
| 25072B0147/00R000 | Wallonia | 559 m² | 1 · 68 m² | 9.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 12,122 companies in sector 69201 we hold annual accounts for 7,601. 6,424 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-01-2007
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
74121
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
5 entriesE-mail:cofis.consult@skynet.be
Phone:003267215206
Fax:003267210768
Fax:00326710768
Phone:00326752016