Cogersum

Active

Private limited companyfounded 2025active for 1 yearRue de Francquen(JB) 28, 5100 Namur, BelgiumKBO/BCE: BE 1023.602.693

Summary

Cogersum has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €26,343 and a net result of €23,343. Its solvency ranks better than 48% of 15,537 sector peers (NACE 69, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Risk analysisFollow Report Compare

CogersumActiveChecked score 95/100

Risk analysis Report Compare

Activity

Activities of lawyers

NACE 69101

Size

€47,973total assets 2025

Equity: €26,343
Profit: €23,343

Turnover not published (micro format)

Financial health

95 Excellent Checked score 2025

Bankruptcy probabilitywithin 12 months: < 0.1%

Structure

Accounts filed 13 days late

Why 95raises riskNo registered site in the KBOlowers riskSector: Legal and accounting activities (NACE 69)Liquidity: current ratio 1.46, cash €14,661Figures for financial year 2025 (filed 13-08-2026)Show the evidence

Checked score

Score 2025

95 / 100

Excellent

Probability in this band: under 0.55%

Financially better than 62% of its sector peers (NACE 69, micro)

Every signal that counts is listed under Signals.

Financial strength

Strong

Solvency 80

equity 54.9% of total assets

Liquidity 66

short-term debt 45.1% · cash 30.6%

Profitability 100

return on assets 48.7%

Bankruptcy probability, 12 months

< 0.1% Very low

0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median < 0.1% (20,023 companies, NACE 69, micro)

Last 24 months 06-2026: 0.5% 07-2026: 0.5%● unchanged vs 06-2026 08-2026: 0.5%● unchanged vs 07-2026highest value 09-2026: < 0.1%▼ -0.5 percentage points vs 08-2026lowest value 10-2026: < 0.1%● unchanged vs 09-2026

Credit of up to €2,500 on 30-day terms is acceptable

Liquidity tight (current ratio 1.46, below the usual 1.5; short-term debt: 45.1% and cash: 30.6% of total assets), and 45.1% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 69, micro): better than 51% on solvency, 54% on liquidity and 82% on profitability.

The bankruptcy probability was computed on 14-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.

lowers riskraises riskneutral

Sector: Legal and accounting activities (NACE 69)

KBO

Liquidity: current ratio 1.46, cash €14,661

NBB · annual accounts

Figures for financial year 2025 (filed 13-08-2026)

NBB · annual accounts

No registered site in the KBO

KBO · seat and establishments

Young company

Founded in 2025, a year ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.

KBO · incorporation date

Age against the risk zone

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-08-2026, 13 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 · 1 filing

Deviation from the deadline

2025

13 days late

← before the deadline after the deadline →

Searched, nothing found (1)

No strike-offs in the KBO publications

Searched since incorporation in 2025.

KBO publications · our coverage