Cojacks
ActiveCojacks has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €113k and a net result of €-49k. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 58% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-24
Solvency89▼-11
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 8.22 against 6.04 in 2024; short-term debt: 11.1% and cash: 13.1% of total assets), and 36% of the assets are financed with debt.
Credit advice for your own amount and term
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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
64%
Return on assets
-27.6%
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 20-08-2026, 20 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
20 d late
2024
26 d late
2023
27 d late
2022
7 d early
2021
31 d late
2020
3 d late
2019
38 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€113k▼ 30.1%
2024 · €161k
2018: €126k
2019: €152k
2020: €171k
2021: €133k
2022: €144k
2023: €159k
2024: €161k
2018 → 2025
Total assets
€176k▼ 8.1%
2024 · €192k
2018: €166k
2019: €180k
2020: €196k
2021: €152k
2022: €163k
2023: €180k
2024: €192k
2018 → 2025
Net result
€-49k
2024 · €3k
2018: €41k
2019: €26k
2020: €18k
2021: €-38k
2022: €11k
2023: €14k
2024: €3k
2018 → 2025
Working capital
€141k▼ 3.6%
2024 · €146k
2018: €91k
2019: €121k
2020: €144k
2021: €111k
2022: €126k
2023: €141k
2024: €146k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€133k-€144k▲ 8.6%€159k▲ 9.9%€161k▲ 1.7%€113k▼ 30.1%
Operating result€32k-€13k▼ 57.4%€5k▼ 64.5%€-2k€-50k▼ 2,852%
Net result€-38k-€11k€14k▲ 24.5%€3k▼ 81.5%€-49k
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 €50k in 2025 against €2k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €176k
Fixed assets
€15k▼ 4.3%
Current assets
€161k▼ 8.4%
Equity and liabilities €176k
Equity
€113k▼ 30.1%
Provisions
€42k
Debt
€21k▼ 30.7%
The debt ratio falls from 15.7% to 11.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-47k▼
2024 · €1k
Cash flow
€-46k▼
2024 · €5k
Solvency
64.0%▼
2024 · 84.3%
Current ratio
8.22▲
2024 · 6.04
Quick ratio
8.22▲
2024 · 6.04
Debt / equity
0.19▼
2024 · 0.19
ROE
-43.1%▼
2024 · 1.6%
ROA
-27.6%▼
2024 · 1.4%
Interest coverage
-21.59▼
2024 · 0.44
Debt
€21k▼
2024 · €30k
Debt ≤ 1 year
€20k▼
2024 · €29k
Income taxes
€147▼
2024 · €444
Staff costs
€6k
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€192k€176k▼
Fixed assets21/28€16k€15k▼
Tangible fixed assets22/27€8k€7k▼
Plant, machinery and equipment23€59€0▼
Furniture and vehicles24€557€2k▲
Other tangible fixed assets26€7k€5k▼
Financial fixed assets28€8k€8k=
Current assets29/58€176k€161k▼
Amounts receivable after more than one year29€95k€98k▲
Other amounts receivable291€95k€98k▲
Amounts receivable within one year40/41€62k€39k▼
Trade receivables40€34k€35k▲
Other amounts receivable41€28k€5k▼
Current investments50/53-€50
Cash at bank and in hand54/58€17k€23k▲
Deferred charges and accrued income490/1€1k€177▼
Equity and liabilities
Total equity and liabilities10/49€192k€176k▼
Equity10/15€161k€113k▼
Contributions10/11€20k€20k=
Reserves13€156k€156k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€154k€154k=
Profit (loss) carried forward14€-14k€-63k▼
Provisions and deferred taxes16-€42k
Provisions for liabilities and charges160/5-€42k
Other liabilities and charges164/5-€42k
Amounts payable17/49€30k€21k▼
Amounts payable within one year42/48€29k€20k▼
Trade debts44€18k€3k▼
Suppliers440/4€18k€3k▼
Advances received on contracts in progress46€70€9k▲
Taxes, remuneration and social security45€11k€6k▼
Taxes450/3€7k€6k▼
Remuneration and social security454/9€4k€0▼
Other amounts payable47/48€503€1k▲
Accrued charges and deferred income492/3€1k€1k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€6k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8-€42k
Other operating charges640/8€1k€1k▲
Non-recurring operating charges66A-€1
Gross operating margin9900€2k€2k▲
Operating profit (loss)9901€-2k€-50k▼
Financial income75/76B€7k€4k▼
Recurring financial income75€7k€4k▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€3k€-48k▼
Income taxes67/77€444€147▼
Profit (loss) for the period9904€3k€-49k▼
Profit (loss) for the period to be appropriated9905€3k€-49k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-14k€-63k▼
Profit (loss) brought forward from the previous period14P€-17k€-14k▲
The notes to these accounts (12 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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
31-12
Financial
Weakest financial yearnet €-49k ▼1937%
Net result drops to €-49k, the lowest in the series.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Equity above €150kEq €159k ▲9.9%
2 profitable years in a row build equity to €159k.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
03-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 3 days late
2020
07-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 38 days late
2019
31-12
Financial
Equity above €150kEq €152k ▲20.8%
2 profitable years in a row build equity to €152k.
19-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 19 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Schilde · 1 establishment unit since 2013
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.
Vennebosstraat 42970 SchildeGround area
1,957 m²
Building footprint
151 m²
Volume, LiDAR
939 m³
Parcel 11922C0105/00G005, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Cojacks
since 20132.217.471.567
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11922C0105/00G005 | Flanders | 1,957 m² | 1 · 151 m² | 9.2 m · 2 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.
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,574. 40,773 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded18-02-2013
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.