COLBER
ActiveCOLBER has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €29k and a net result of €-2k. Equity is shrinking by ~5.7% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability67▼-10
Solvency100=
Growth57▼-2
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.2 against 1.05 in 2024; short-term debt: 19.6% and cash: 23.4% of total assets), and 19.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
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
80.4%
Return on assets
-4.6%
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 26-08-2026, 26 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
26 d late
2024
54 d early
2023
28 d late
2022
2 d late
2021
12 d late
2020
25 d late
2019
66 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€8k=
2024 · €8k
2018: €5k
2019: €5k
2020: €6k
2021: €6k
2022: €8k
2023: €7k
2024: €8k
2018 → 2025
EBIT margin
-19.9%▼ 10.3pp
2024 · -9.6%
2018: -108.7%
2019: -115.7%
2020: -60.1%
2021: -47.8%
2022: -36.8%
2023: 6.1%
2024: -9.6%
2018 → 2025
Net result
€-2k▼ 102%
2024 · €-825
2018: €-5k
2019: €-6k
2020: €-4k
2021: €-3k
2022: €-3k
2023: €396
2024: €-825
2018 → 2025
Working capital
€1k▲ 297%
2024 · €353
2018: €-5k
2019: €-5k
2020: €-4k
2021: €-4k
2022: €-5k
2023: €-2k
2024: €353
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€6k-€8k▲ 32.9%€7k▼ 8.7%€8k▲ 13.8%€8k=
Equity€34k-€31k▼ 8.6%€32k▲ 1.3%€31k▼ 2.6%€29k▼ 5.4%
Operating result€-3k-€-3k▼ 2.6%€441€-780€-2k▼ 108%
Net result€-3k-€-3k▼ 2.5%€396€-825€-2k▼ 102%
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 €2k in 2025 against €780 in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €36k
Fixed assets
€28k▼ 8.9%
Current assets
€9k▲ 14.1%
Equity and liabilities €36k
Equity
€29k▼ 5.4%
Debt
€7k=
The debt ratio rises from 18.7% to 19.6%. Equity is lower.
Key figures and ratios
EBITDA
€1k▼
2024 · €2k
Cash flow
€1k▼
2024 · €2k
Solvency
80.4%▼
2024 · 81.3%
Current ratio
1.20▲
2024 · 1.05
Quick ratio
1.20▲
2024 · 1.05
Debt / equity
0.24▲
2024 · 0.23
ROE
-5.7%▼
2024 · -2.7%
ROA
-4.6%▼
2024 · -2.2%
Interest coverage
24.31▼
2024 · 43.06
Debt
€7k=
2024 · €7k
Debt ≤ 1 year
€7k=
2024 · €7k
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€38k€36k▼
Fixed assets21/28€30k€28k▼
Tangible fixed assets22/27€30k€28k▼
Land and buildings22€30k€28k▼
Current assets29/58€7k€9k▲
Amounts receivable within one year40/41€960-
Trade receivables40€960-
Cash at bank and in hand54/58€6k€9k▲
Equity and liabilities
Total equity and liabilities10/49€38k€36k▼
Equity10/15€31k€29k▼
Contributions10/11€12k€12k=
Reserves13€20k€20k=
Tax-exempt reserves132€18k€18k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€-2k€-3k▼
Amounts payable17/49€7k€7k=
Amounts payable within one year42/48€7k€7k=
Other amounts payable47/48€7k€7k=
Income statement
Code20242025
Turnover70€8k€8k=
Goods, raw materials, services and sundry goods60/61€4k€2k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k=
Other operating charges640/8€2k€5k▲
Gross operating margin9900€4k€6k▲
Operating profit (loss)9901€-780€-2k▼
Financial charges65/66B€45€45=
Recurring financial charges65€45€45=
Profit (loss) for the period before taxes9903€-825€-2k▼
Profit (loss) for the period9904€-825€-2k▼
Profit (loss) for the period to be appropriated9905€-825€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€-3k▼
Profit (loss) brought forward from the previous period14P€-951€-2k▼
The notes to these accounts (4 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
07-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Back to profitnet €396
Net result €396 after 5 loss-making years.
02-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
2022
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 12 days late
2021
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
05-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 66 days late
2019
31-12
Financial
Weakest financial yearnet €-6k
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 14 days late
2018
03-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 3 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2026
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.
23-02-2026
Resigned as Managing director
Location & real-estate footprint
Registered office, Mons
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.
Boulevard Sainctelette 97B7000 MonsGround area
122 m²
Building footprint
97 m²
Volume, LiDAR
582 m³
Parcel 53053D0025/00Z081, Wallonia · tallest building 12.1 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53053D0025/00Z081 | Wallonia | 122 m² | 1 · 97 m² | 12.1 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-02-1996
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.