COLFI
ActiveCOLFI has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €133k and a net result of €166k. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 32% of 31584 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency57▼-9
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity tight (current ratio 1.45 against 1.63 in 2024; short-term debt: 68% and cash: 17.9% of total assets), and 68% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
32%
Return on assets
39.7%
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 21-04-2026, 101 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
101 d early
2024
5 d early
2023
35 d early
2022
7 d early
2021
41 d early
2020
73 d early
2019
22 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€133k▲ 0.4%
2024 · €133k
2019: €48k
2020: €146k
2021: €251k
2022: €16k
2023: €133k
2024: €133k
2019 → 2025
Total assets
€417k▲ 29.3%
2024 · €323k
2019: €210k
2020: €283k
2021: €369k
2022: €562k
2023: €558k
2024: €323k
2019 → 2025
Net result
€166k▲ 19.9%
2024 · €138k
2019: €42k
2020: €98k
2021: €105k
2022: €195k
2023: €156k
2024: €138k
2019 → 2025
Working capital
€127k▲ 6.6%
2024 · €119k
2019: €54k
2020: €123k
2021: €221k
2022: €-52k
2023: €86k
2024: €119k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€251k-€16k▼ 93.8%€133k▲ 751%€133k▲ 0.1%€133k▲ 0.4%
Operating result€135k-€258k▲ 91.6%€207k▼ 20.0%€194k▼ 5.9%€199k▲ 2.3%
Net result€105k-€195k▲ 86.4%€156k▼ 19.9%€138k▼ 11.5%€166k▲ 19.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 2% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €417k
Fixed assets
€7k▼ 52.3%
Current assets
€411k▲ 33.0%
Equity and liabilities €417k
Equity
€133k▲ 0.4%
Debt
€284k▲ 49.6%
The debt ratio rises from 58.8% to 68.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€209k▲
2024 · €206k
Cash flow
€175k▲
2024 · €149k
Solvency
32.0%▼
2024 · 41.2%
Current ratio
1.45▼
2024 · 1.63
Quick ratio
1.45▼
2024 · 1.63
Debt / equity
2.13▲
2024 · 1.43
ROE
124.1%▲
2024 · 104.0%
ROA
39.7%▼
2024 · 42.8%
Interest coverage
117.09▲
2024 · 96.24
Debt
€284k▲
2024 · €190k
Debt ≤ 1 year
€284k▲
2024 · €190k
Income taxes
€41k▼
2024 · €61k
Staff costs
€3k▼
2024 · €11k
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€323k€417k▲
Fixed assets21/28€14k€7k▼
Tangible fixed assets22/27€13k€6k▼
Furniture and vehicles24€13k€6k▼
Financial fixed assets28€620€485▼
Current assets29/58€309k€411k▲
Amounts receivable within one year40/41€33k€142k▲
Trade receivables40€30k€139k▲
Other amounts receivable41€3k€3k▲
Current investments50/53€200k€180k▼
Cash at bank and in hand54/58€70k€75k▲
Deferred charges and accrued income490/1€5k€14k▲
Equity and liabilities
Total equity and liabilities10/49€323k€417k▲
Equity10/15€133k€133k▲
Contributions10/11€6k€6k=
Reserves13€127k€127k▲
Tax-exempt reserves132€126k€126k=
Distributable reserves133€530€1k▲
Amounts payable17/49€190k€284k▲
Amounts payable within one year42/48€190k€284k▲
Trade debts44€596€1k▲
Suppliers440/4€596€1k▲
Taxes, remuneration and social security45€15k€15k▲
Taxes450/3€14k€15k▲
Remuneration and social security454/9€744-
Other amounts payable47/48€174k€268k▲
Income statement
Code20242025
Non-recurring operating income76A€6k-
Remuneration, social security and pensions62€11k€3k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€10k▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€218k€213k▼
Operating profit (loss)9901€194k€199k▲
Financial income75/76B€7k€9k▲
Recurring financial income75€7k€9k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€199k€206k▲
Income taxes67/77€61k€41k▼
Profit (loss) for the period9904€138k€166k▲
Profit (loss) for the period to be appropriated9905€138k€166k▲
Appropriation of the result
Profit (loss) to be appropriated9906€138k€166k▲
Transfer to equity691/2€116€543▲
To other reserves6921€116€543▲
Profit to be distributed694/7€138k€165k▲
Return on contributions (dividend)694€138k€165k▲
The notes to these accounts (7 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
21-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €133k ▲751%
5 profitable years in a row build equity to €133k.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2019net €195k ▲86.4%
Operating result €258k, net result €195k, both a record.
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €251k ▲71.6%
3 profitable years in a row build equity to €251k.
19-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €146k ▲203%
2 profitable years in a row build equity to €146k.
22-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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 · 2 establishment units since 2019
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.
Rue Tantenne 616043 CharleroiGround area
2.3 ha
Building footprint
3,765 m²
Volume, LiDAR
691 m³
2 parcels, Wallonia · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
COLFI
since 20192.295.720.972
COLFI SRL
since 20192.299.232.471
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52032B0233/00Y000 | Wallonia | 2.1 ha | 1 · 3,641 m² | - |
| 52058B0516/00T000 | Wallonia | 1,160 m² | 1 · 124 m² | 7.3 m · 2 fl. |
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
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MAKSIM GORKY
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ATREXFI
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MIDCORP
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Of 82,546 companies in sector 70200 we hold annual accounts for 52,574. 40,876 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-05-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
49410Freight transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.