COGHENAFFAIR
ActiveThe computed 12-month bankruptcy probability of COGHENAFFAIR is 2.9% (moderate). The 2025 annual accounts show equity of €60k and a net result of €15k. Equity is growing by ~37.6% per year across the filed fiscal years. Its solvency ranks better than 92% of 18016 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
100
/ 100
Excellent▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability94
Bankruptcy probability, 12 months
2.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 7.49 against 2.62 in 2024), and 12.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
87.2%
Return on assets
21.6%
Age of the figures
8 mo
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 18-05-2026, 74 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
74 d early
2024
142 d early
2023
71 d early
2022
39 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
€60k▲ 32.8%
2024 · €45k
2022: €15k
2023: €34k
2024: €45k
2022 → 2025
Total assets
€69k▲ 3.5%
2024 · €67k
2022: €18k
2023: €50k
2024: €67k
2022 → 2025
Net result
€15k▲ 35.2%
2024 · €11k
2022: €-25k
2023: €19k
2024: €11k
2022 → 2025
Working capital
€55k▲ 61.5%
2024 · €34k
2022: €15k
2023: €15k
2024: €34k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€15k-€34k▲ 128%€45k▲ 32.1%€60k▲ 32.8%
Operating result€-25k-€20k€16k▼ 17.9%€21k▲ 28.5%
Net result€-25k-€19k€11k▼ 42.8%€15k▲ 35.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 29% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €69k
Fixed assets
€6k▼ 50.7%
Current assets
€63k▲ 15.2%
Equity and liabilities €69k
Equity
€60k▲ 32.8%
Debt
€9k▼ 58.7%
The debt ratio falls from 32.1% to 12.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€28k▲
2024 · €24k
Cash flow
€22k▲
2024 · €18k
Solvency
87.2%▲
2024 · 67.9%
Current ratio
7.49▲
2024 · 2.62
Quick ratio
7.49▲
2024 · 2.62
Debt / equity
0.15▼
2024 · 0.47
ROE
24.7%▲
2024 · 24.3%
ROA
21.6%▲
2024 · 16.5%
Interest coverage
46.14▲
2024 · 38.38
Debt
€9k▼
2024 · €21k
Debt ≤ 1 year
€8k▼
2024 · €21k
Income taxes
€5k▲
2024 · €4k
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€67k€69k▲
Fixed assets21/28€12k€6k▼
Tangible fixed assets22/27€12k€6k▼
Furniture and vehicles24€12k€4k▼
Other tangible fixed assets26-€2k
Current assets29/58€55k€63k▲
Amounts receivable within one year40/41€7k€7k=
Trade receivables40€7k€7k=
Cash at bank and in hand54/58€48k€56k▲
Deferred charges and accrued income490/1€470€397▼
Equity and liabilities
Total equity and liabilities10/49€67k€69k▲
Equity10/15€45k€60k▲
Contributions10/11€40k€40k=
Profit (loss) carried forward14€5k€20k▲
Amounts payable17/49€21k€9k▼
Amounts payable within one year42/48€21k€8k▼
Trade debts44€477€184▼
Suppliers440/4€477€184▼
Taxes, remuneration and social security45€12k€5k▼
Taxes450/3€12k€5k▼
Other amounts payable47/48€8k€4k▼
Accrued charges and deferred income492/3€411€398▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€8k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€25k€29k▲
Operating profit (loss)9901€16k€21k▲
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€613€609▼
Recurring financial charges65€613€609▼
Profit (loss) for the period before taxes9903€15k€20k▲
Income taxes67/77€4k€5k▲
Profit (loss) for the period9904€11k€15k▲
Profit (loss) for the period to be appropriated9905€11k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5k€20k▲
Profit (loss) brought forward from the previous period14P€-6k€5k▲
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
18-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity triplescurrent ratio 7.49
Current ratio from 2.62 to 7.49; short-term debt falls from €21k to €8k.
11-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
21-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · 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, Ukkel · 1 establishment unit since 2021
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.
Coghensquare 631180 UkkelGround area
319 m²
Building footprint
75 m²
Volume, LiDAR
594 m³
Parcel 21016B0414/00T011, Brussels · tallest building 9.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
COGHENAFFAIR
since 20212.324.172.359
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21016B0414/00T011 | Brussels | 319 m² | 1 · 75 m² | 9.6 m · 3 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.
Similar companies · same sector, comparable size
ANTHOS
BE 0794.310.234
Hannut · Eq €60k
MS FLOWERS
BE 0777.644.644
Ukkel · Eq €60k
Bloemenprieeltje
BE 0784.704.561
Ravels · Eq €60k
ASV
BE 0777.885.164
Ledegem · Eq €59k
Tuincentrum Braeckman
BE 0753.425.130
Laarne · Eq €59k
Of 3,375 companies in sector 47761 we hold annual accounts for 1,153. 840 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-11-2021
Fiscal year end31-12
Activities, NACEBEL
47761Retail sale of flowers, plants, seeds and fertilisers
47120Other non-specialised retail sale
47910Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.