COFOL
ActiveCOFOL has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €88k and a net result of €-16k. Equity is shrinking by ~27.5% per year across the filed fiscal years. Its solvency ranks better than 50% of 6965 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
60
/ 100
Healthy▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency94▼-2
Growth32=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 1.88 against 1.91 in 2024), and 45.2% 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+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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
54.8%
Return on assets
-9.7%
Age of the figures
8 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
232425
2023 to 2025 · latest year -€16k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-07-2026, 28 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
28 d early
2024
on the day
2023
1 d early
← 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
€88k▼ 15.1%
2024 · €103k
2023: €144k
2024: €103k
2023 → 2025
Total assets
€160k▼ 11.4%
2024 · €180k
2023: €214k
2024: €180k
2023 → 2025
Net result
€-16k▲ 62.3%
2024 · €-41k
2023: €28k
2024: €-41k
2023 → 2025
Working capital
€61k▼ 10.0%
2024 · €68k
2023: €101k
2024: €68k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€144k-€103k▼ 28.6%€88k▼ 15.1%
Operating result€41k-€-40k€-14k▲ 66.3%
Net result€28k-€-41k€-16k▲ 62.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €14k in 2025 against €40k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €160k
Fixed assets
€29k▼ 23.6%
Current assets
€131k▼ 8.1%
Equity and liabilities €160k
Equity
€88k▼ 15.1%
Debt
€72k▼ 6.5%
The debt ratio rises from 42.8% to 45.2%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€-762▲
2024 · €-27k
Cash flow
€-3k▲
2024 · €-28k
Solvency
54.8%▼
2024 · 57.2%
Current ratio
1.88▼
2024 · 1.91
Quick ratio
1.88▼
2024 · 1.91
Debt / equity
0.82▲
2024 · 0.75
ROE
-17.7%▲
2024 · -40.0%
ROA
-9.7%▲
2024 · -22.9%
Interest coverage
-0.14▲
2024 · -5.24
Debt
€72k▼
2024 · €77k
Debt ≤ 1 year
€70k▼
2024 · €74k
Income taxes
€277▼
2024 · €296
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€180k€160k▼
Fixed assets21/28€38k€29k▼
Intangible fixed assets21-€2k
Tangible fixed assets22/27€37k€26k▼
Plant, machinery and equipment23€6k€6k=
Furniture and vehicles24€17k€10k▼
Other tangible fixed assets26€14k€11k▼
Financial fixed assets28€1k€1k=
Current assets29/58€142k€131k▼
Amounts receivable after more than one year29€78k€60k▼
Other amounts receivable291€78k€60k▼
Amounts receivable within one year40/41€34k€38k▲
Trade receivables40€23k€30k▲
Other amounts receivable41€11k€8k▼
Cash at bank and in hand54/58€6k€8k▲
Deferred charges and accrued income490/1€25k€25k▼
Equity and liabilities
Total equity and liabilities10/49€180k€160k▼
Equity10/15€103k€88k▼
Contributions10/11€1k€1k=
Reserves13€143k€143k=
Distributable reserves133€143k€143k=
Profit (loss) carried forward14€-41k€-57k▼
Amounts payable17/49€77k€72k▼
Amounts payable within one year42/48€74k€70k▼
Trade debts44€6k€4k▼
Suppliers440/4€6k€4k▼
Taxes, remuneration and social security45€4k€6k▲
Taxes450/3€4k€6k▲
Other amounts payable47/48€65k€60k▼
Accrued charges and deferred income492/3€3k€3k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k▼
Other operating charges640/8€784€809▲
Non-recurring operating charges66A-€748
Gross operating margin9900€-26k€794▲
Operating profit (loss)9901€-40k€-14k▲
Financial income75/76B€4k€4k▼
Recurring financial income75€4k€4k▼
Financial charges65/66B€5k€5k▲
Recurring financial charges65€5k€5k▲
Profit (loss) for the period before taxes9903€-41k€-15k▲
Income taxes67/77€296€277▼
Profit (loss) for the period9904€-41k€-16k▲
Profit (loss) for the period to be appropriated9905€-41k€-16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-41k€-57k▼
Profit (loss) brought forward from the previous period14P-€-41k
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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-41k ▼248%
Net result drops to €-41k, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
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, Dilbeek · 1 establishment unit since 2011
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.
Koutergatstraat 21703 DilbeekGround area
1,264 m²
Building footprint
278 m²
Volume, LiDAR
1,433 m³
Parcel 23070C0454/00F000, Flanders · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
COFOL
since 20112.198.625.061
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23070C0454/00F000 | Flanders | 1,264 m² | 1 · 278 m² | 7.5 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.
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Sentenial
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CODE CONSULT
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VJ CONSULTANCY
BE 1002.024.252
Zaventem · Eq €88k
J.V.C. Invest
BE 0754.594.276
Duffel · Eq €88k
Of 13,391 companies in sector 73300 we hold annual accounts for 6,881. 5,602 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-05-2011
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
62020IT consultancy
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.