COGIA-S
ActiveCOGIA-S has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €58k and a net result of €-844. Equity remains stable across the filed fiscal years (±1.3% per year). Its solvency ranks better than 95% of 7027 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability34=
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
cash: 99.3% of total assets, and 0% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-08-2026, 5 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
5 d late
2024
6 d early
2023
2 d early
2022
31 d early
2021
31 d early
2020
31 d early
2019
17 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€58k▼ 1.4%
2024 · €59k
2018: €62k
2019: €63k
2020: €62k
2021: €60k
2022: €60k
2023: €59k
2024: €59k
2018 → 2025
Total assets
€58k▼ 1.6%
2024 · €59k
2018: €62k
2019: €63k
2020: €62k
2021: €61k
2022: €60k
2023: €59k
2024: €59k
2018 → 2025
Net result
€-844▲ 6.4%
2024 · €-902
2018: €-675
2019: €999
2020: €-1k
2021: €-1k
2022: €-256
2023: €-785
2024: €-902
2018 → 2025
Working capital
€59k▼ 3.2%
2021 · €60k
2019: €63k
2020: €62k
2021: €60k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€60k-€60k▼ 0.4%€59k▼ 1.3%€59k▼ 1.5%€58k▼ 1.4%
Operating result€-1k-€-131▲ 88.2%€-841▼ 542%€-884▼ 5.0%€-937▼ 6.0%
Net result€-1k-€-256▲ 78.9%€-785▼ 207%€-902▼ 14.8%€-844▲ 6.4%
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 €937 in 2025 against €884 in 2024; the loss grows.
Key figures and ratios
Solvency
100.0%▲
2024 · 99.8%
ROE
-1.5%▲
2024 · -1.5%
ROA
-1.5%▲
2024 · -1.5%
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€59k€58k▼
Current assets29/58€59k€58k▼
Amounts receivable within one year40/41€428€404▼
Other amounts receivable41€428€404▼
Cash at bank and in hand54/58€58k€57k▼
Equity and liabilities
Total equity and liabilities10/49€59k€58k▼
Equity10/15€59k€58k▼
Contributions10/11€6k€6k=
Reserves13€54k€54k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€52k€52k=
Profit (loss) carried forward14€-2k€-2k▼
Amounts payable17/49€121-
Amounts payable within one year42/48€121-
Trade debts44€121-
Suppliers440/4€121-
Income statement
Code20242025
Other operating charges640/8€191€194▲
Gross operating margin9900€-693€-743▼
Operating profit (loss)9901€-884€-937▼
Financial income75/76B€163€295▲
Recurring financial income75€163€295▲
Financial charges65/66B€181€202▲
Recurring financial charges65€181€202▲
Profit (loss) for the period before taxes9903€-902€-844▲
Profit (loss) for the period9904€-902€-844▲
Profit (loss) for the period to be appropriated9905€-902€-844▲
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€-2k▼
Profit (loss) brought forward from the previous period14P€-652€-2k▼
The notes to these accounts (1 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
05-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 5 days late
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-1k ▼244%
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
17-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 17 days late
2019
31-12
Financial
Back to profitnet €999
Net result €999 after one loss-making year.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
10-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 10 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Verviers · 1 establishment unit since 2001
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 du Manège 24800 VerviersGround area
211 m²
Building footprint
99 m²
Volume, LiDAR
1,337 m³
Parcel 63079A0698/00Z003, Wallonia · tallest building 16.5 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
COGIA-S
since 20012.090.814.016
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63079A0698/00Z003 | Wallonia | 211 m² | 1 · 99 m² | 16.5 m · 5 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
BURNIAUX Françoise
BE 0589.979.338
Braine-l'Alleud · Eq €58k
B. ART IN MOTION
BE 0473.303.283
Jette · Eq €58k
PRINTALERT
BE 0894.941.596
Antwerpen · Eq €58k
CIRCUZE
BE 0681.891.786
Bree · Eq €58k
Hireth
BE 1008.038.351
Willebroek · Eq €58k
Of 9,862 companies in sector 73110 we hold annual accounts for 3,755. 3,019 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded31-12-1998
Fiscal year end31-12
Activities, NACEBEL
73110Advertising agencies
74401
73200Market research and public opinion polling
74131
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.