COIMGEST
ActiveSummary
COIMGEST has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €73k and a net result of €-4k. Equity is growing by ~12.5% per year across the filed fiscal years. Its solvency ranks better than 63% of 2179 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability65▼-7
Solvency76▲+7
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity short (current ratio 0.38 against 0.37 in 2024; short-term debt: 27.8% and cash: 1.4% of total assets), and 48.5% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
51.5%
Return on assets
-3.1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
18 d late
2023
30 d late
2022
23 d late
2021
23 d late
2020
26 d late
2019
41 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-4k
2024 · €4k
2018: €2k
2019: €-6k
2020: €25k
2021: €36k
2022: €5k
2023: €-2k
2024: €4k
2018 → 2025
Working capital
€-24k▲ 35.1%
2024 · €-38k
2018: €12k
2019: €7k
2020: €-5k
2021: €15k
2022: €26k
2023: €35k
2024: €-38k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€75k-€79k▲ 5.0%€75k▼ 4.5%€78k▲ 3.2%€73k▼ 5.7%
Operating result€29k-€12k▼ 57.4%€2k▼ 86.1%€6k▲ 232%€-3k
Net result€36k-€5k▼ 84.9%€-2k€4k€-4k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €3k after €6k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €142k
Fixed assets
€127k ▼ 17.8%
Current assets
€15k ▼ 30.7%
Equity and liabilities €142k
Equity
€73k ▼ 5.7%
Debt
€69k ▼ 30.2%
Debt's share of the balance-sheet total falls from 56.0% to 48.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€25k▼
2024 · €35k
Cash flow
€23k▼
2024 · €33k
Current ratio
0.38▲
2024 · 0.37
Debt to equity
0.94▼
2024 · 1.27
ROE
-6.1%▼
2024 · 5.2%
ROA
-3.1%▼
2024 · 2.3%
Interest coverage
92.55▲
2024 · 17.22
Debt ≤ 1 year
€40k▼
2024 · €59k
Debt > 1 year
€29k▼
2024 · €39k
Income taxes
€1k▼
2024 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€176k€142k▼
Fixed assets21/28€154k€127k▼
Tangible fixed assets22/27€36k€8k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€34k€7k▼
Financial fixed assets28€119k€119k=
Current assets29/58€22k€15k▼
Amounts receivable within one year40/41€14k€11k▼
Trade receivables40€6k€11k▲
Other amounts receivable41€8k€425▼
Cash at bank and in hand54/58€1k€2k▲
Deferred charges and accrued income490/1€7k€2k▼
Equity and liabilities
Total equity and liabilities10/49€176k€142k▼
Equity10/15€78k€73k▼
Contributions10/11€6k€6k=
Reserves13€42k€42k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€40k€40k=
Profit (loss) carried forward14€29k€25k▼
Amounts payable17/49€99k€69k▼
Amounts payable after more than one year17€39k€29k▼
Other amounts payable178/9€39k€29k▼
Amounts payable within one year42/48€59k€40k▼
Trade debts44€11k€5k▼
Suppliers440/4€11k€5k▼
Taxes, remuneration and social security45€1k€9k▲
Taxes450/3€1k€7k▲
Remuneration and social security454/9-€3k
Other amounts payable47/48€47k€25k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€28k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€37k€27k▼
Operating profit (loss)9901€6k€-3k▼
Financial income75/76B€4k€0▼
Recurring financial income75€4k€0▼
Financial charges65/66B€2k€267▼
Recurring financial charges65€2k€267▼
Profit (loss) for the period before taxes9903€7k€-3k▼
Income taxes67/77€3k€1k▼
Profit (loss) for the period9904€4k€-4k▼
Profit (loss) for the period to be appropriated9905€4k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€31k€25k▼
Profit (loss) brought forward from the previous period14P€27k€29k▲
Profit to be distributed694/7€2k-
Return on contributions (dividend)694€2k-
The notes to these accounts (6 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 18 days late
2024
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 23 days late
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 23 days late
2021
31-12
Financial
Highest result since 2018net €36k ▲39.9%
Net result €36k, the highest in the series.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 26 days late
2020
31-12
Financial
Back to profitnet €25k
Net result €25k after one loss-making year.
10-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 41 days late
2019
31-12
Financial
Weakest financial yearnet €-6k ▼354%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 29 days late
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 22 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Chaumont-Gistoux · 1 establishment unit since 2010
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.
Colline des Sources, Bonlez 251325 Chaumont-GistouxGround area
2,779 m²
Building footprint
250 m²
Volume, LiDAR
781 m³
2 parcels, Wallonia · tallest building 19.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
COIMGEST
since 20102.190.142.808
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25010A0293/00F000 | Wallonia | 1,453 m² | 1 · 130 m² | 19.2 m · 2 fl. |
| 25010A0293/00E000 | Wallonia | 1,327 m² | 1 · 119 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
J.P.L. SERVICE
BE 0454.270.794
Hoegaarden · Eq €73,104
MARIUS PRO CONSTRUCT
BE 1011.823.628
Evere · Eq €73,107
MI3E CONSTRUCTION
BE 1004.276.632
Machelen (Brab.) · Eq €73,126
CONSTRUTIVA
BE 0819.515.881
Overijse · Eq €73,062
SCHUITEN GAEL
BE 0475.236.157
Schaarbeek · Eq €73,146
Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 13,234 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-07-2010
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
42110Construction of roads and motorways
42220Construction of utility projects for electricity and telecommunications
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:coimgestsprl@gmail.com
Phone:0484/112179