Equity
€133,372 ▲ 0.4%
COLFI paid out €165,000 in dividends. That is 100% of the 2025 profit.
COLFI
Lifetime
7 annual accounts with figures on one time axispeak €326,559 (2022)
€212,625▼ 2.4%
peak €195,015 (2022)
€165,543▲ 19.9%
peak €250,577 (2021)
€133,372▲ 0.4%
€284,029▲ 49.6%
Board3 names since 2021
1 directorCATTAFESTA LORENZO
Documentsfilings and deeds
21-04-2026101 days before the deadline
2025micro format
Dividend €165,000Debts from €189,889 to €284,029
Key points
from the 2025 annual accountsDebts
€284,029 ▲ 49.6%
Debts rose by €94,140 in 2025. A dividend stands under other debts on the balance sheet date until it is paid.
Position in the sector
€165,543
Higher net result than 93% of companies in head offices and management consultancy. Sector median €27,168 · 39,358 companies.
Checked score
93
Excellent
Financially stronger than 44% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,568 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024lowest value
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: 0.1%▲ +0.1 percentage points vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025highest value
08-2025: < 0.1%▼ -0.1 percentage points vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
lowers risk
Sector: Activities of head offices; management consultancy activities (NACE 70)
Size: total assets €417,402
Liquidity: current ratio 1.45, cash €74,573
Figures for financial year 2025 (filed on 28-04-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 32% of them on solvency, 17% on liquidity, 84% on profitability and 42% on growth.
The bankruptcy probability was computed on 07-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 26,972 companies had the same profile as COLFI has now. Each dot stands for 68 companies, two years later.
94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of COLFI itself is lower: < 0.1% within 12 months. It rests on far more data about COLFI than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 26,972 companies, not a prediction for COLFI. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €12,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.45 (1.63 in 2024), below the usual 1.5. Short-term debt is 68% and cash 17.9% of total assets. 68% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
5 signals, none raises the risk
Five signals.
lowers riskneutral
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 days early
2024
5 days early
2023
35 days early
2022
7 days early
2021
41 days early
2020
73 days early
2019
22 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 34 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 27 June (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
07-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0726570580
Resignation: CATTAFESTA Patrizia (director)
Permanent representative: GILLET Charles-François · General meeting of 01-12-2023 · Gazette deed
New establishment in Fleurus
COLFI SRL, Rue du Tilloi 9
Incorporation
published on 10-05-2019 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| COLFI Charleroi | €417,402 | €212,625 | 32.0% | - |
| TORALIUS Ath | €403,939 | €206,138 | 51.8% | - |
| HEY JUDE Estaimpuis | €436,093 | €179,966 | 92.9% | - |
| JK@7Consulting Gerpinnes | €453,848 | €225,074 | 47.9% | - |
| ATM Invest Morlanwelz | €462,469 | €211,977 | 2.2% | - |
| ANGIS Overijse | €390,665 | €217,271 | 23.7% | - |
| CSP MANAGEMENT Schilde | €385,323 | €217,941 | 4.8% | - |
These companies have the same main activity as COLFI: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €385,000 and €462,000, founded between 2019 and 2020.
Official details
Source: KBO- Status
- Active since 08-05-2019Normal situation
- Activity
- Business and other management consultancyNACE 70200and 1 other
- Establishment units
- 2.295.720.9726043 Charleroi, since 08-05-2019
- 2.299.232.4716220 Fleurus, since 10-05-2019
- Financial year end
- 31 December
- Peppol
- Reachable since 07-12-2025
Annual accounts 2025
- ≈ €360,000estimated
- €417,402▲ 29.3%
- ≈ 0.1 FTEestimated
- Filing
- Filed on 21-04-2026, 101 days before the end of the filing period
Insights on COLFI
COLFI files the micro format. That format states no turnover. The gross margin rose from €61,950 in 2019 to €212,625 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about COLFI
- What is the company number of COLFI?
- The company number of COLFI is 0726.570.580. The VAT number is the same number with BE in front: BE 0726.570.580.
- Where is COLFI based?
- The registered office is at Rue Tantenne 61, 6043 Charleroi.Company details
- What does COLFI do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of COLFI?
- COLFI is a private limited company (BV).
- When was COLFI founded?
- COLFI was founded on 08-05-2019.
- Is COLFI still active?
- Yes, COLFI is an active enterprise in the KBO register.
- What is the turnover of COLFI?
- The turnover in financial year 2025 is ≈ €360,000. This figure is estimated from the gross margin of €212,625 and 109 comparable companies (NACE 70200). It probably lies between €300,000 and €430,000.Financials
- Is COLFI profitable?
- In financial year 2025, COLFI made a profit of €165,543.
- Where can I find the annual accounts of COLFI?
- COLFI filed 7 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of COLFI due?
- COLFI must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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