ASSOCIATION INFORMATIQUE POUR LA GESTION DE LOGEMENTS
ActiveSummary
ASSOCIATION INFORMATIQUE POUR LA GESTION DE LOGEMENTS has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.0m and a net result of €245,820. Equity is growing by ~9.2% per year across the filed fiscal years. Its solvency ranks better than 57% of 1453 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability88▲+17
Solvency71▼-11
Growth79▲+2
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €90,000 at 30 days acceptable
Liquidity ample (current ratio 14.06 against 8.2 in 2024; short-term debt: 6.3% and cash: 81.8% of total assets), but 53.9% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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
46.1%
Return on assets
10.9%
Age of the figures
9 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 04-06-2026, 57 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
57 d early
2024
41 d early
2023
54 d early
2022
38 d early
2021
48 d early
2020
39 d early
2019
31 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 44 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 13 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
In the rankings
#6 company by total assets in Charleroi, Telecoms and IT sector#10 company by equity in Charleroi, Telecoms and IT sector
Turnover
€1.3m▲ 27.2%
2024 · €1.0m
EBIT margin
26.6%▲ 17.9pp
2024 · 8.7%
Net result
€245,820▲ 340%
2024 · €55,819
Working capital
€1.9m▲ 65.1%
2024 · €1.1m
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, 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
Turnover€715,920▲ 2.4%€766,817▲ 7.1%€846,011▲ 10.3%€1.0m▲ 18.7%€1.3m▲ 27.2%
Operating result€77,931▲ 151%€81,243▲ 4.3%€58,177▼ 28.4%€87,348▲ 50.1%€339,250▲ 288%
Net result€49,891above the sector's middle half▲ 342%€62,302above the sector's middle half▲ 24.9%€37,134within the sector's middle half▼ 40.4%€55,819within the sector's middle half▲ 50.3%€245,820above the sector's middle half▲ 340%
EBIT margin10.9%▲ 6.4pp10.6%▼ 0.3pp6.9%▼ 3.7pp8.7%▲ 1.8pp26.6%▲ 17.9pp
Equity€588,048above the sector's middle half▲ 9.8%€650,350above the sector's middle half▲ 10.6%€714,412within the sector's middle half▲ 9.9%€763,499within the sector's middle half▲ 6.9%€1.0mwithin the sector's middle half▲ 36.2%
Total assets€650,244above the sector's middle half▲ 9.2%€713,758above the sector's middle half▲ 9.8%€796,167within the sector's middle half▲ 11.5%€1.3mwithin the sector's middle half▲ 69.4%€2.3mwithin the sector's middle half▲ 67.3%
Debt€62,196▲ 4.3%€63,407▲ 1.9%€81,756▲ 28.9%€584,913▲ 615%€1.2m▲ 108%
Working capital€577,934above the sector's middle half▲ 10.4%€619,024above the sector's middle half▲ 7.1%€627,573within the sector's middle half▲ 1.4%€1.1mabove the sector's middle half▲ 79.6%€1.9mabove the sector's middle half▲ 65.1%
Solvency90.4%above the sector's middle half▲ 0.5pp91.1%above the sector's middle half▲ 0.7pp89.7%above the sector's middle half▼ 1.4pp56.6%within the sector's middle half▼ 33.1pp46.1%within the sector's middle half▼ 10.5pp
Current ratio10.29above the sector's middle half▲ 0.4210.82above the sector's middle half▲ 0.528.68above the sector's middle half▼ 2.148.20above the sector's middle half▼ 0.4814.06above the sector's middle half▲ 5.86
Return on assets (ROA)7.7%within the sector's middle half▲ 5.8pp8.7%within the sector's middle half▲ 1.1pp4.7%within the sector's middle half▼ 4.1pp4.1%within the sector's middle half▼ 0.5pp10.9%within the sector's middle half▲ 6.8pp
Staff (FTE)6.7=6.3▼ 6.0%7within the sector's middle half▲ 11.1%7.3within the sector's middle half▲ 4.3%6.6within the sector's middle half▼ 9.6%
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 288% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.3m
Fixed assets
€252,582 ▲ 291%
Current assets
€2.0m ▲ 56.0%
Equity and liabilities €2.3m
Equity
€1.0m ▲ 36.2%
Debt
€1.2m ▲ 108%
Debt's share of the balance-sheet total rises from 43.4% to 53.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€362,545▲
2024 · €112,072
Cash flow
€269,115▲
2024 · €80,544
Debt to equity
1.17▲
2024 · 0.77
ROE
23.6%▲
2024 · 7.3%
Interest coverage
26.22▲
2024 · 25.87
Debt ≤ 1 year
€142,534▼
2024 · €156,626
Debt > 1 year
€866,334▲
2024 · €221,334
Income taxes
€95,174▲
2024 · €27,497
Staff costs
€724,623▼
2024 · €737,448
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,349 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.4%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of < 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 31,349 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €715,920 | €766,817 | €846,011 | €1.0m | €1.3m | ▲ 27.2% |
| Non-recurring operating income76A | - | - | €500 | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | €104,474 | €130,632 | €136,564 | €186,425 | €216,848 | ▲ 16.3% |
| Remuneration, social security and pensions62 | €542,037 | €562,192 | €660,260 | €737,448 | €724,623 | ▼ 1.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,877 | €4,961 | €17,474 | €24,725 | €23,295 | ▼ 5.8% |
| Other operating charges640/8 | €375 | €377 | €427 | €411 | €726 | ▲ 76.5% |
| Gross operating margin9900 | €624,220 | €648,773 | €736,337 | €849,931 | €1.1m | ▲ 28.0% |
| Operating profit (loss)9901 | €77,931 | €81,243 | €58,177 | €87,348 | €339,250 | ▲ 288% |
| Financial income75/76B | €6 | €6 | €604 | €302 | €15,570 | ▲ 5,062% |
| Recurring financial income75 | €6 | €6 | €604 | €302 | €15,570 | ▲ 5,062% |
| Financial charges65/66B | €2,612 | €2,759 | €3,451 | €4,333 | €13,826 | ▲ 219% |
| Recurring financial charges65 | €2,612 | €2,759 | €3,451 | €4,333 | €13,826 | ▲ 219% |
| Profit (loss) for the period before taxes9903 | €75,325 | €78,491 | €55,330 | €83,316 | €340,994 | ▲ 309% |
| Income taxes67/77 | €25,434 | €16,189 | €18,196 | €27,497 | €95,174 | ▲ 246% |
| Profit (loss) for the period9904 | €49,891 | €62,302 | €37,134 | €55,819 | €245,820 | ▲ 340% |
| Profit (loss) for the period to be appropriated9905 | €49,891 | €62,302 | €37,134 | €55,819 | €245,820 | ▲ 340% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €650,244 | €713,758 | €796,167 | €1.3m | €2.3m | ▲ 67.3% |
| Formation expenses20 | €0 | €0 | €0 | €0 | €0 | - |
| Fixed assets21/28 | €10,114 | €31,674 | €86,839 | €64,532 | €252,582 | ▲ 291% |
| Intangible fixed assets21 | €0 | €0 | €61,096 | €47,632 | €234,169 | ▲ 392% |
| Tangible fixed assets22/27 | €4,345 | €25,900 | €19,842 | €10,932 | €6,947 | ▼ 36.5% |
| Plant, machinery and equipment23 | €0 | €0 | €0 | €0 | €0 | - |
| Furniture and vehicles24 | €4,345 | €25,900 | €19,842 | €10,932 | €6,947 | ▼ 36.5% |
| Financial fixed assets28 | €5,769 | €5,774 | €5,901 | €5,968 | €11,467 | ▲ 92.1% |
| Current assets29/58 | €640,130 | €682,084 | €709,329 | €1.3m | €2.0m | ▲ 56.0% |
| Amounts receivable within one year40/41 | €6,886 | €16,066 | €8,469 | €80,099 | €130,283 | ▲ 62.7% |
| Trade receivables40 | €1,077 | €1,286 | €689 | €67,861 | €59,980 | ▼ 11.6% |
| Other amounts receivable41 | €5,809 | €14,780 | €7,780 | €12,238 | €70,303 | ▲ 474% |
| Current investments50/53 | €481,834 | €503,834 | €488,834 | €979,285 | €2,365 | ▼ 99.8% |
| Cash at bank and in hand54/58 | €122,248 | €132,735 | €178,796 | €193,194 | €1.8m | ▲ 856% |
| Deferred charges and accrued income490/1 | €29,161 | €29,449 | €33,230 | €31,302 | €24,402 | ▼ 22.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €650,244 | €713,758 | €796,167 | €1.3m | €2.3m | ▲ 67.3% |
| Equity10/15 | €588,048 | €650,350 | €714,412 | €763,499 | €1.0m | ▲ 36.2% |
| Contributions10/11 | €119,158 | €119,158 | €119,158 | €119,158 | €156,679 | ▲ 31.5% |
| Reserves13 | €11,916 | €11,916 | €11,916 | €11,916 | €11,916 | = |
| Non-distributable reserves130/1 | €11,916 | €0 | - | - | - | - |
| Reserves not available under the articles1311 | €11,916 | - | - | - | - | - |
| Other1319 | - | €0 | - | - | - | - |
| Distributable reserves133 | - | €11,916 | €11,916 | €11,916 | €11,916 | = |
| Profit (loss) carried forward14 | €456,975 | €519,277 | €556,411 | €612,230 | €858,051 | ▲ 40.2% |
| Investment grants15 | €0 | €0 | €26,927 | €20,195 | €13,463 | ▼ 33.3% |
| Amounts payable17/49 | €62,196 | €63,407 | €81,756 | €584,913 | €1.2m | ▲ 108% |
| Amounts payable after more than one year17 | - | - | - | €221,334 | €866,334 | ▲ 291% |
| Financial debts170/4 | - | - | - | €221,334 | €686,334 | ▲ 210% |
| Other amounts payable178/9 | - | - | - | - | €180,000 | - |
| Amounts payable within one year42/48 | €62,196 | €63,060 | €81,756 | €156,626 | €142,534 | ▼ 9.0% |
| Financial debts43 | - | - | - | - | €0 | - |
| Other loans439 | - | - | - | - | €0 | - |
| Trade debts44 | €6,023 | €3,238 | €8,458 | €22,063 | €26,208 | ▲ 18.8% |
| Suppliers440/4 | €6,023 | €3,238 | €8,458 | €22,063 | €26,208 | ▲ 18.8% |
| Advances received on contracts in progress46 | €500 | €0 | - | - | €0 | - |
| Taxes, remuneration and social security45 | €55,672 | €59,822 | €73,298 | €134,563 | €86,697 | ▼ 35.6% |
| Taxes450/3 | €0 | €0 | €0 | €60,334 | €0 | ▼ 100% |
| Remuneration and social security454/9 | €55,672 | €59,822 | €73,298 | €74,228 | €86,697 | ▲ 16.8% |
| Other amounts payable47/48 | - | - | - | - | €29,629 | - |
| Accrued charges and deferred income492/3 | €0 | €348 | €0 | €206,953 | €206,953 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €49,891 | €62,302 | €37,134 | €55,819 | €245,820 | ▲ 340% |
| + Depreciation and write-downs630 | €3,877 | €4,961 | €17,474 | €24,725 | €23,295 | ▼ 5.8% |
| Operating cash flow (approximation) | €53,768 | €67,263 | €54,608 | €80,544 | €269,115 | ▲ 234% |
| Investment in fixed assets (approximation) | - | -€26,521 | -€72,638 | -€2,418 | -€211,345 | ▼ 8,642% |
| Change in cash | - | €10,487 | €46,061 | €14,398 | €1.7m | ▲ 11,382% |
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
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Highest result since 2018net €245,820 ▲340%
Operating result €339,250, net result €245,820, both a record.
31-12
Financial
Equity above €1mEq €1.0m ▲36.2%
7 profitable years in a row build equity to €1.0m.
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
07-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
13-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €23,987
Net result €23,987 after one loss-making year.
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 20 acts read
About the unread acts
We know of 20 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
20 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, Charleroi · 1 establishment unit since 2000
Ground area
6,692 m²
Building footprint
1,050 m²
Volume, LiDAR
11,044 m³
Parcel 52028B0313/00B002, Wallonia · tallest building 14.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Avenue Jean Mermoz 30, 6041 Charleroi
since 20002.094.135.770
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52028B0313/00B002 | Wallonia | 6,692 m² | 1 · 1,050 m² | 14.4 m · 4 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.
Structure & network
Owners and holdings
5 ownersChain of control
- Immobilière Publique Péruwelz-Leuze-Frasnes
- ASSOCIATION INFORMATIQUE POUR LA GESTION DE LOGEMENTS
Highest known parent: Immobilière Publique Péruwelz-Leuze-Frasnes. The sources do not say who stands above it.
Owners 5
- 100%
-
4%
-
1.19%
- 1.19%
-
1%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 16,911 companies in sector 62100 we hold annual accounts for 8,786. 4,027 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formCooperative company
Founded14-09-2000
Fiscal year end31-12
Legal name FR
COHABSYS
Abbreviation FR
AIGLES
Activities, NACEBEL 2025
62100Computer programming
94999Other membership organisations
E-invoicing
Reachable via Peppol
Peppol ID
0208:0472760182
Also
9925:BE0472760182
Registered
07-10-2025
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.