COLDIS
ActiveSummary
COLDIS has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €52,057 and a net result of -€8,622. Equity is shrinking by ~6.5% per year across the filed fiscal years. Its solvency ranks better than 36% of 18537 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability27▼-46
Solvency43▼-2
Growth41▼-17
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,500 at 30 days acceptable
Liquidity short (current ratio 0.0 against 0.02 in 2024; short-term debt: 22.6% and cash: 0% of total assets), and 81.8% of the assets are financed with debt.
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Signals
Six 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
18.2%
Return on assets
-3%
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 16-06-2026, 45 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
45 d early
2024
27 d late
2023
83 d late
2022
70 d late
2021
43 d late
2020
73 d late
2019
122 d late
← 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 53 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% 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.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
€386,336▼ 5.4%
2020 · €408,416
EBIT margin
3.0%▲ 4.6pp
2020 · -1.6%
Net result
-€8,622
2024 · €9,919
Working capital
-€64,658▲ 12.2%
2024 · -€73,610
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€386,336▼ 5.4%
Operating result€11,763-€24,664€14,674€13,089▼ 10.8%-€6,074
Net result€7,609-€30,159€11,868€9,919▼ 16.4%-€8,622
EBIT margin3.0%▲ 4.6pp
Equity€69,051▲ 12.4%€38,891▼ 43.7%€50,759▲ 30.5%€60,678▲ 19.5%€52,057▼ 14.2%
Total assets€360,547▼ 4.0%€325,975▼ 9.6%€309,997▼ 4.9%€297,564▼ 4.0%€286,553▼ 3.7%
Debt€291,496▼ 7.2%€287,083▼ 1.5%€259,238▼ 9.7%€236,886▼ 8.6%€234,496▼ 1.0%
Working capital-€37,994▼ 73.5%-€76,617▼ 102%-€73,241▲ 4.4%-€73,610▼ 0.5%-€64,658▲ 12.2%
Staff (FTE)2
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €6,074 after €13,089 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €286,553
Fixed assets
€286,549 ▼ 3.3%
Current assets
€4 ▼ 99.7%
Equity and liabilities €286,553
Equity
€52,057 ▼ 14.2%
Debt
€234,496 ▼ 1.0%
Debt's share of the balance-sheet total rises from 79.6% to 81.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€3,793▼
2024 · €22,957
Cash flow
€1,245▼
2024 · €19,787
Current ratio
0.00▼
2024 · 0.02
Debt to equity
4.50▲
2024 · 3.90
ROE
-16.6%▼
2024 · 16.3%
ROA
-3.0%▼
2024 · 3.3%
Interest coverage
1.49▼
2024 · 7.22
Debt ≤ 1 year
€64,661▼
2024 · €74,758
Debt > 1 year
€169,835▲
2024 · €162,128
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,448 companies that looked in July 2024 the way this one looks now, 1.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 10 to 30%
- a small loss
1.4%
went bankrupt
5.0%
stopped otherwise
93%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.5% 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 497,058 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% | 1.6% |
| 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 74% 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 2,448 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 | €386,336 | - | - | - | - | - |
| Non-recurring operating income76A | - | - | €2,081 | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | €345,949 | - | - | - | - | - |
| Remuneration, social security and pensions62 | €43,592 | €42,672 | €5,578 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12,567 | €11,067 | €9,867 | €9,867 | €9,867 | = |
| Other operating charges640/8 | €621 | €1,429 | €454 | €387 | €4,587 | ▲ 1,084% |
| Gross operating margin9900 | €68,543 | €30,504 | €30,573 | €23,344 | €8,380 | ▼ 64.1% |
| Operating profit (loss)9901 | €11,763 | -€24,664 | €14,674 | €13,089 | -€6,074 | ▼ 146% |
| Financial income75/76B | €923 | €171 | - | €11 | - | - |
| Recurring financial income75 | €923 | €171 | - | €11 | - | - |
| Financial charges65/66B | €5,077 | €5,667 | €2,806 | €3,181 | €2,548 | ▼ 19.9% |
| Recurring financial charges65 | €5,077 | €5,667 | €2,806 | €3,181 | €2,548 | ▼ 19.9% |
| Profit (loss) for the period before taxes9903 | €7,609 | -€30,159 | €11,868 | €9,919 | -€8,622 | ▼ 187% |
| Profit (loss) for the period9904 | €7,609 | -€30,159 | €11,868 | €9,919 | -€8,622 | ▼ 187% |
| Profit (loss) for the period to be appropriated9905 | €7,609 | -€30,159 | €11,868 | €9,919 | -€8,622 | ▼ 187% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €360,547 | €325,975 | €309,997 | €297,564 | €286,553 | ▼ 3.7% |
| Fixed assets21/28 | €327,218 | €316,151 | €306,284 | €296,416 | €286,549 | ▼ 3.3% |
| Tangible fixed assets22/27 | €327,218 | €316,151 | €306,284 | €296,416 | €286,549 | ▼ 3.3% |
| Land and buildings22 | €326,018 | €316,151 | €306,284 | €296,416 | €286,549 | ▼ 3.3% |
| Plant, machinery and equipment23 | €1,200 | - | - | - | - | - |
| Current assets29/58 | €33,329 | €9,824 | €3,713 | €1,148 | €4 | ▼ 99.7% |
| Stocks and contracts in progress3 | €25,334 | - | - | - | - | - |
| Stocks30/36 | €25,334 | - | - | - | - | - |
| Amounts receivable within one year40/41 | €6,611 | €9,824 | €48 | €697 | - | - |
| Trade receivables40 | €6,610 | €8,623 | - | - | - | - |
| Other amounts receivable41 | €1 | €1,201 | €48 | €697 | - | - |
| Cash at bank and in hand54/58 | €1,384 | - | €1,565 | €451 | €4 | ▼ 99.2% |
| Deferred charges and accrued income490/1 | - | - | €2,100 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €360,547 | €325,975 | €309,997 | €297,564 | €286,553 | ▼ 3.7% |
| Equity10/15 | €69,051 | €38,891 | €50,759 | €60,678 | €52,057 | ▼ 14.2% |
| Contributions10/11 | €61,973 | €61,973 | €61,973 | €61,973 | €61,973 | = |
| Capital10 | €61,973 | €61,973 | €61,973 | €61,973 | €61,973 | = |
| Issued capital100 | €61,973 | €61,973 | €61,973 | €61,973 | €61,973 | = |
| Reserves13 | €33,155 | €33,155 | €33,155 | €33,155 | €33,155 | = |
| Non-distributable reserves130/1 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Legal reserve130 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Distributable reserves133 | €26,955 | €26,955 | €26,955 | €26,955 | €26,955 | = |
| Profit (loss) carried forward14 | -€26,078 | -€56,237 | -€44,370 | -€34,450 | -€43,072 | ▼ 25.0% |
| Amounts payable17/49 | €291,496 | €287,083 | €259,238 | €236,886 | €234,496 | ▼ 1.0% |
| Amounts payable after more than one year17 | €220,173 | €200,642 | €182,284 | €162,128 | €169,835 | ▲ 4.8% |
| Financial debts170/4 | €220,173 | €200,642 | €182,284 | €162,128 | €169,835 | ▲ 4.8% |
| Amounts payable within one year42/48 | €71,323 | €86,441 | €76,954 | €74,758 | €64,661 | ▼ 13.5% |
| Current portion of amounts payable after more than one year42 | €18,252 | €18,020 | €19,451 | €19,430 | €15,216 | ▼ 21.7% |
| Financial debts43 | - | €2,985 | - | - | - | - |
| Credit institutions430/8 | - | €2,985 | - | - | - | - |
| Trade debts44 | €2,213 | €12,165 | €3,441 | €1,650 | €7,081 | ▲ 329% |
| Suppliers440/4 | €2,213 | €12,165 | €3,441 | €1,650 | €7,081 | ▲ 329% |
| Taxes, remuneration and social security45 | €539 | - | - | - | - | - |
| Taxes450/3 | €539 | - | - | - | - | - |
| Other amounts payable47/48 | €50,320 | €53,271 | €54,062 | €53,678 | €42,365 | ▼ 21.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €7,609 | -€30,159 | €11,868 | €9,919 | -€8,622 | ▼ 187% |
| + Depreciation and write-downs630 | €12,567 | €11,067 | €9,867 | €9,867 | €9,867 | = |
| Operating cash flow (approximation) | €20,177 | -€19,092 | €21,735 | €19,787 | €1,245 | ▼ 93.7% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | - | - | -€1,114 | -€447 | ▲ 59.9% |
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
29-07
State Gazette act
Registered office · Purpose · Statutes amendment · Resignations & appointmentsName change · Purpose change · Capital6 facts ▸
State Gazette act
Registered office · Purpose · Statutes amendment · Resignations & appointments
Name change · Purpose change · Capital6 facts ▸
- General meeting, 27 juillet 2026
- Name change, JOËL
- Purpose change, La société a pour objet, tant en Belgique qu’à l’étranger, pour compte propre ou compte de tiers ou en participation avec ceux-ci l'acquisition, la vente, l'éch…
- Statutes amendment
- Capital, €61.973,38
- Registered-office move, 7340 Colfontaine, rue du Grand Passage, 126
16-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
22-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 83 days late
2023
31-12
Financial
Back to profitnet €11,868
Net result €11,868 after one loss-making year.
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 70 days late
2022
31-12
Financial
Weakest financial yearnet -€30,159
Net result drops to -€30,159, the lowest in the series; recovery starts the following year.
12-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 43 days late
2021
31-12
Financial
Back to profitnet €7,609
Net result €7,609 after 3 loss-making years.
12-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 73 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 22 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 10 acts read
About the unread acts
Of the 10 Belgian State Gazette acts we know for this company, 1 has been read. The other 9 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
10 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Colfontaine · 1 establishment unit since 2008
Ground area
1,191 m²
Building footprint
382 m²
Volume, LiDAR
2,054 m³
Parcel 53064B1033/00P002, Wallonia · tallest building 18.2 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
supérette d'Harchies
since 20082.173.882.341
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53064B1033/00P002 | Wallonia | 1,191 m² | 1 · 382 m² | 18.2 m · 1 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
Connections & network
No current directors or connected companies found in the register.
Capital and shareholders
Capital over the years
- 29-07-2026 Capital stated in the act · 61,973.38 EUR · 100 shares
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Of 10,510 companies in sector 47110 we hold annual accounts for 5,850. 4,638 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded12-01-1990
Fiscal year end31-12
Legal name FR
JOËL
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
68204Real estate activities
68310Real estate agency activities
77223Rental and leasing activities
Contact
Phone
069/575413Colfontaine
E-invoicing
Reachable via Peppol
Peppol ID
0208:0439410295
Registered
29-07-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.