Cognati
ActiveSummary
Cognati is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (-€206,011) and a net result of €335,008. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 8091 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 8091 sector peers (2025).
NBB · sector comparisonPosition among 8091 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 24-04-2026, 6 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
6 d early
2024
2 d early
2023
14 d early
2022
5 d early
2021
4 d early
2020
3 d early
2019
6 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 6 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 25 April (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
-€206,011▲ 61.9%
2024 · -€541,019
Net result
€335,008▼ 19.9%
2024 · €418,194
Total assets
€1,951▼ 84.9%
2024 · €12,893
Solvency
-10559.1%▼ 6362.9pp
2024 · -4196.3%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€33,453▲ 92.3%€117,367€392,631▲ 235%€404,801▲ 3.1%€335,075▼ 17.2%
Net result-€69,153below the sector's middle half▲ 84.1%€114,009above the sector's middle half€353,765above the sector's middle half▲ 210%€418,194above the sector's middle half▲ 18.2%€335,008above the sector's middle half▼ 19.9%
Equity-€1.4mbelow the sector's middle half▼ 5.1%-€1.3mbelow the sector's middle half▲ 8.0%-€959,213below the sector's middle half▲ 26.9%-€541,019below the sector's middle half▲ 43.6%-€206,011below the sector's middle half▲ 61.9%
Total assets€1,651below the sector's middle half▼ 97.0%€51,419below the sector's middle half▲ 3,015%€134,694within the sector's middle half▲ 162%€12,893below the sector's middle half▼ 90.4%€1,951below the sector's middle half▼ 84.9%
Debt€1.4m▲ 1.1%€1.4m▼ 4.5%€1.1m▼ 19.8%€553,912▼ 49.4%€207,962▼ 62.5%
Working capital-€1.3mbelow the sector's middle half▼ 5.8%-€1.1mbelow the sector's middle half▲ 9.1%-€790,078below the sector's middle half▲ 30.9%-€371,884below the sector's middle half▲ 52.9%-€36,876below the sector's middle half▲ 90.1%
Solvency-86443.7%below the sector's middle half▼ 84006.8pp-2553.5%below the sector's middle half▲ 83890.2pp-712.1%below the sector's middle half▲ 1841.4pp-4196.3%below the sector's middle half▼ 3484.1pp-10559.1%below the sector's middle half▼ 6362.9pp
Current ratio0.04below the sector's middle half0.15below the sector's middle half▲ 0.100.03below the sector's middle half▼ 0.11
Return on assets (ROA)221.7%above the sector's middle half262.6%above the sector's middle half▲ 40.9pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
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 17% below 2024.
Key figures and ratios
Debt ≤ 1 year
€38,827▼
2024 · €384,777
Ratios withheld: a balance sheet total of €1,951 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | €52,245 | €41,250 | €1,482 | €689 | €507 | ▼ 26.4% |
| Non-recurring operating charges66A | €0 | - | - | - | - | - |
| Gross operating margin9900 | €18,792 | €158,618 | €394,113 | €405,490 | €335,582 | ▼ 17.2% |
| Operating profit (loss)9901 | -€33,453 | €117,367 | €392,631 | €404,801 | €335,075 | ▼ 17.2% |
| Financial income75/76B | €2,498 | €0 | - | €13,463 | €0 | ▼ 100% |
| Recurring financial income75 | €0 | €0 | - | €0 | €0 | ▼ 100% |
| Non-recurring financial income76B | €2,498 | €0 | - | €13,463 | €0 | ▼ 100% |
| Financial charges65/66B | €38,198 | €3,359 | €80 | €69 | €67 | ▼ 3.6% |
| Recurring financial charges65 | €7,949 | €3,359 | €80 | €69 | €67 | ▼ 3.6% |
| Non-recurring financial charges66B | €30,249 | €0 | - | - | - | - |
| Profit (loss) for the period before taxes9903 | -€69,153 | €114,009 | €392,551 | €418,194 | €335,008 | ▼ 19.9% |
| Income taxes67/77 | €0 | - | €38,786 | €0 | - | - |
| Profit (loss) for the period9904 | -€69,153 | €114,009 | €353,765 | €418,194 | €335,008 | ▼ 19.9% |
| Profit (loss) for the period to be appropriated9905 | -€69,153 | €114,009 | €353,765 | €418,194 | €335,008 | ▼ 19.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1,651 | €51,419 | €134,694 | €12,893 | €1,951 | ▼ 84.9% |
| Fixed assets21/28 | €0 | - | - | - | - | - |
| Tangible fixed assets22/27 | €0 | - | - | - | - | - |
| Assets under construction and advance payments27 | €0 | - | - | - | - | - |
| Current assets29/58 | €1,651 | €51,419 | €134,694 | €12,893 | €1,951 | ▼ 84.9% |
| Amounts receivable within one year40/41 | €787 | €50,974 | €80,014 | €43 | €0 | ▼ 100% |
| Trade receivables40 | €759 | €50,974 | €80,014 | €43 | €0 | ▼ 100% |
| Other amounts receivable41 | €28 | €0 | - | - | - | - |
| Cash at bank and in hand54/58 | €863 | €445 | €54,680 | €12,850 | €1,951 | ▼ 84.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1,651 | €51,419 | €134,694 | €12,893 | €1,951 | ▼ 84.9% |
| Equity10/15 | -€1.4m | -€1.3m | -€959,213 | -€541,019 | -€206,011 | ▲ 61.9% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €179 | €179 | €179 | €179 | €179 | = |
| Non-distributable reserves130/1 | €179 | €179 | €179 | €179 | €179 | = |
| Reserves not available under the articles1311 | €179 | €179 | €179 | €179 | €179 | = |
| Profit (loss) carried forward14 | -€1.4m | -€1.3m | -€965,592 | -€547,398 | -€212,390 | ▲ 61.2% |
| Amounts payable17/49 | €1.4m | €1.4m | €1.1m | €553,912 | €207,962 | ▼ 62.5% |
| Amounts payable within one year42/48 | €1.3m | €1.2m | €924,771 | €384,777 | €38,827 | ▼ 89.9% |
| Trade debts44 | €0 | €432 | €558 | €755 | €12,755 | ▲ 1,589% |
| Suppliers440/4 | €0 | €432 | €558 | €755 | €12,755 | ▲ 1,589% |
| Taxes, remuneration and social security45 | €0 | €8,641 | €52,867 | €16,689 | €1,989 | ▼ 88.1% |
| Taxes450/3 | €0 | €8,641 | €52,867 | €16,689 | €1,989 | ▼ 88.1% |
| Other amounts payable47/48 | €1.3m | €1.2m | €871,346 | €367,333 | €24,083 | ▼ 93.4% |
| Accrued charges and deferred income492/3 | €169,135 | €169,135 | €169,135 | €169,135 | €169,135 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€69,153 | €114,009 | €353,765 | €418,194 | €335,008 | ▼ 19.9% |
| Operating cash flow (approximation) | -€69,153 | €114,009 | €353,765 | €418,194 | €335,008 | ▼ 19.9% |
| Change in cash | - | -€419 | €54,235 | -€41,830 | -€10,899 | ▲ 73.9% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2018net €418,194 ▲18.2%
Operating result €404,801, net result €418,194, both a record.
16-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Back to profitnet €114,009
Net result €114,009 after 4 loss-making years.
26-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
24-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Weakest financial yearnet -€469,017
Net result drops to -€469,017, the lowest in the series; recovery starts the following year.
29-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
18-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
01-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 1 day late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Herentals · 1 establishment unit since 2012
Ground area
1.2 ha
Building footprint
3,044 m²
Volume, LiDAR
52,510 m³
Parcel 13027A0065/00F002, Flanders · tallest building 24.1 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Cognati
since 20122.206.485.427
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13027A0065/00F002 | Flanders | 1.2 ha | 1 · 3,044 m² | 24.1 m · 6 fl. |
Linked by address, not proof of ownership
Good to know
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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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded15-12-2011
Fiscal year end30-09
Activities, NACEBEL 2025
64210Activities of holding companies
68203Renting and operating of own or leased non-residential real estate, excluding land
E-invoicing
Reachable via Peppol
Peppol ID
0208:0841839739
Registered
08-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.