Summary
COLIËL is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €35,757 and a net result of -€3,337. Equity remains stable across the filed financial years (±2.1% per year). Its solvency ranks better than 95% of 9,680 sector peers (NACE 64, financial year 2025). The company has been active since 2007 and the Belgian Official Gazette contains no insolvency or warning signals.
Financials · financial year 2025, micro format
Equity
€35,757▼ 8.5%
2024 · €39,094
Net result
-€3,337▲ 18.7%
2024 · -€4,105
Total assets
€35,976▼ 9.6%
2024 · €39,805
Solvency
99.4%▲ 1.2pp
2024 · 98.2%
Trend over the years
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result stays negative: a loss of €3,432 in 2025 against €4,092 in 2024; the loss shrinks.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result-€3,432
2025
Net result-€3,337
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€35,976
2025
Equity€35,757
2025
Debt€219
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital€35,757
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)-9.3%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency99.4%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio56.01
2024
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result€10,229-€10,659▲ 4.2%€12,933▲ 21.3%€8,683▼ 32.9%-€8,673-€6,864▲ 20.9%-€4,092▲ 40.4%-€3,432▲ 16.1%
Net result€6,798-€7,303▲ 7.4%€9,349within the sector's middle half▲ 28.0%€6,473within the sector's middle half▼ 30.8%-€7,833below the sector's middle half-€6,947below the sector's middle half▲ 11.3%-€4,105below the sector's middle half▲ 40.9%-€3,337below the sector's middle half▲ 18.7%
Equity€34,854-€42,157▲ 21.0%€51,506within the sector's middle half▲ 22.2%€57,978within the sector's middle half▲ 12.6%€50,146within the sector's middle half▼ 13.5%€43,199within the sector's middle half▼ 13.9%€39,094below the sector's middle half▼ 9.5%€35,757within the sector's middle half▼ 8.5%
Total assets€44,577-€43,004▼ 3.5%€55,941below the sector's middle half▲ 30.1%€59,629below the sector's middle half▲ 6.6%€50,146below the sector's middle half▼ 15.9%€45,382below the sector's middle half▼ 9.5%€39,805below the sector's middle half▼ 12.3%€35,976below the sector's middle half▼ 9.6%
Debt€9,723-€847▼ 91.3%€4,435▲ 424%€1,651▼ 62.8%€0▼ 100%€2,183€711▼ 67.4%€219▼ 69.2%
Working capital€34,589-€42,157▲ 21.9%€50,030within the sector's middle half▲ 18.7%€57,158within the sector's middle half▲ 14.2%€49,981within the sector's middle half▼ 12.6%€43,199within the sector's middle half▼ 13.6%€39,094within the sector's middle half▼ 9.5%€35,757within the sector's middle half▼ 8.5%
Solvency78.2%-98.0%▲ 19.8pp92.1%above the sector's middle half▼ 6.0pp97.2%above the sector's middle half▲ 5.2pp100.0%above the sector's middle half▲ 2.8pp95.2%above the sector's middle half▼ 4.8pp98.2%above the sector's middle half▲ 3.0pp99.4%above the sector's middle half▲ 1.2pp
Current ratio4.62-50.76▲ 46.1412.28above the sector's middle half▼ 38.4935.62above the sector's middle half▲ 23.3420.79above the sector's middle half56.01above the sector's middle half▲ 35.22
Return on assets (ROA)15.2%-17.0%▲ 1.7pp16.7%within the sector's middle half▼ 0.3pp10.9%within the sector's middle half▼ 5.9pp-15.6%below the sector's middle half▼ 26.5pp-15.3%below the sector's middle half▲ 0.3pp-10.3%below the sector's middle half▲ 5.0pp-9.3%below the sector's middle half▲ 1.0pp
above
within
below
the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the abbreviated or micro format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €35,976
Equity
€35,757 ▼ 8.5%
Debt
€219 ▼ 69.2%
Debt's share of the balance-sheet total falls from 1.8% to 0.6%. Equity and debt are lower.
Key figures and ratios
ROE
-9.3%▲
2024 · -10.5%
Debt ≤ 1 year
€219▼
2024 · €711
A ratio outside any meaningful range has been withheld (balance sheet total €35,976, equity €35,757).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €438 | €438 | €491 | €656 | €656 | €165 | €0 | - | - |
| Other operating charges640/8 | - | - | - | €558 | €450 | €1,077 | €698 | €585 | ▼ 16.1% |
| Gross operating margin9900 | €11,111 | €11,543 | €13,871 | €9,896 | -€7,568 | -€5,622 | -€3,394 | -€2,846 | ▲ 16.1% |
| Operating profit (loss)9901 | €10,229 | €10,659 | €12,933 | €8,683 | -€8,673 | -€6,864 | -€4,092 | -€3,432 | ▲ 16.1% |
| Financial income75/76B | - | - | - | €946 | €980 | €64 | €139 | €276 | ▲ 99.4% |
| Recurring financial income75 | €771 | €883 | €917 | €946 | €980 | €64 | €139 | €276 | ▲ 99.4% |
| Financial charges65/66B | - | - | - | €145 | €147 | €147 | €152 | €181 | ▲ 19.7% |
| Recurring financial charges65 | €104 | €170 | €138 | €145 | €147 | €147 | €152 | €181 | ▲ 19.7% |
| Profit (loss) for the period before taxes9903 | €10,896 | €11,372 | €13,712 | €9,484 | -€7,841 | -€6,947 | -€4,105 | -€3,337 | ▲ 18.7% |
| Income taxes67/77 | €4,098 | €4,069 | €4,363 | €3,012 | -€8 | €0 | - | - | - |
| Profit (loss) for the period9904 | €6,798 | €7,303 | €9,349 | €6,473 | -€7,833 | -€6,947 | -€4,105 | -€3,337 | ▲ 18.7% |
| Profit (loss) for the period to be appropriated9905 | €6,798 | €7,303 | €9,349 | €6,473 | -€7,833 | -€6,947 | -€4,105 | -€3,337 | ▲ 18.7% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €44,577 | €43,004 | €55,941 | €59,629 | €50,146 | €45,382 | €39,805 | €35,976 | ▼ 9.6% |
| Formation expenses20 | €0 | - | - | - | - | - | - | - | - |
| Fixed assets21/28 | €438 | €0 | €1,476 | €821 | €165 | €0 | - | - | - |
| Intangible fixed assets21 | €0 | - | - | - | - | - | - | - | - |
| Tangible fixed assets22/27 | €438 | €0 | €1,476 | €821 | €165 | €0 | - | - | - |
| Furniture and vehicles24 | - | - | - | €821 | €165 | €0 | - | - | - |
| Financial fixed assets28 | €0 | - | - | - | - | - | - | - | - |
| Current assets29/58 | €44,138 | €43,004 | €54,465 | €58,809 | €49,981 | €45,382 | €39,805 | €35,976 | ▼ 9.6% |
| Amounts receivable after more than one year29 | - | - | - | €27,986 | €28,965 | €0 | - | - | - |
| Other amounts receivable291 | - | - | - | €27,986 | €28,965 | €0 | - | - | - |
| Stocks and contracts in progress3 | €0 | - | - | - | - | - | - | - | - |
| Amounts receivable within one year40/41 | €7,883 | €431 | €1,355 | €3,244 | €5,567 | €5,262 | €5,303 | €5,804 | ▲ 9.4% |
| Trade receivables40 | - | - | - | €1,213 | €0 | - | €347 | €535 | ▲ 54.3% |
| Other amounts receivable41 | - | - | - | €2,031 | €5,567 | €5,262 | €4,956 | €5,268 | ▲ 6.3% |
| Current investments50/53 | €0 | - | - | - | - | - | - | - | - |
| Cash at bank and in hand54/58 | €10,484 | €16,450 | €26,070 | €27,579 | €15,449 | €40,119 | €34,501 | €30,172 | ▼ 12.5% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €44,577 | €43,004 | €55,941 | €59,629 | €50,146 | €45,382 | €39,805 | €35,976 | ▼ 9.6% |
| Equity10/15 | €34,854 | €42,157 | €51,506 | €57,978 | €50,146 | €43,199 | €39,094 | €35,757 | ▼ 8.5% |
| Contributions10/11 | €18,550 | €18,550 | - | €18,550 | €18,550 | €18,550 | €18,550 | €18,550 | = |
| Reserves13 | €16,304 | €23,607 | €32,956 | €39,428 | €39,428 | €39,428 | €39,428 | €39,428 | = |
| Non-distributable reserves130/1 | - | - | - | €1,294 | €1,294 | €1,294 | €1,294 | €1,294 | = |
| Reserves not available under the articles1311 | - | - | - | €1,294 | €1,294 | €1,294 | €1,294 | €1,294 | = |
| Distributable reserves133 | - | - | - | €38,135 | €38,135 | €38,135 | €38,135 | €38,135 | = |
| Profit (loss) carried forward14 | €0 | - | - | - | -€7,833 | -€14,780 | -€18,884 | -€22,221 | ▼ 17.7% |
| Provisions and deferred taxes16 | €0 | - | - | - | - | - | - | - | - |
| Amounts payable17/49 | €9,723 | €847 | €4,435 | €1,651 | €0 | €2,183 | €711 | €219 | ▼ 69.2% |
| Amounts payable after more than one year17 | €0 | - | - | - | - | - | - | - | - |
| Amounts payable within one year42/48 | €9,549 | €847 | €4,435 | €1,651 | €0 | €2,183 | €711 | €219 | ▼ 69.2% |
| Trade debts44 | €900 | €0 | €3,285 | €1,288 | €0 | €2,183 | €711 | €219 | ▼ 69.2% |
| Suppliers440/4 | - | - | - | €1,288 | €0 | €2,183 | €711 | €219 | ▼ 69.2% |
| Taxes, remuneration and social security45 | - | - | - | €363 | €0 | - | - | - | - |
| Taxes450/3 | - | - | - | €363 | €0 | - | - | - | - |
| Other amounts payable47/48 | - | - | - | €0 | - | - | - | - | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €6,798 | €7,303 | €9,349 | €6,473 | -€7,833 | -€6,947 | -€4,105 | -€3,337 | ▲ 18.7% |
| + Depreciation and write-downs630 | €438 | €438 | €491 | €656 | €656 | €165 | €0 | - | - |
| Operating cash flow (approximation) | €7,236 | €7,742 | €9,840 | €7,128 | -€7,177 | -€6,782 | -€4,105 | -€3,337 | ▲ 18.7% |
| Investment in fixed assets (approximation) | - | €0 | -€1,967 | €0 | €0 | €0 | - | - | - |
| Change in cash | - | €5,966 | €9,620 | €1,509 | -€12,130 | €24,670 | -€5,618 | -€4,329 | ▲ 22.9% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 18 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 04-06-2026 | 2026-00146417 |
| 31-12-2024 | micro format | 10-06-2025 | 2025-00128147 |
| 31-12-2023 | micro format | 26-09-2024 | 2024-00474970 |
| 31-12-2022 | micro format | 31-10-2023 | 2023-00505582 |
| 31-12-2021 | micro format | 26-07-2022 | 2022-20228926 |
| 31-12-2020 | micro format | 06-05-2021 | 2021-13600484 |
| 31-12-2019 | abbreviated format | 23-07-2020 | 2020-33200327 |
| 31-12-2018 | abbreviated format | 09-07-2019 | 2019-31100441 |
| 31-12-2017 | abbreviated format | 02-07-2018 | 2018-26600309 |
| 31-12-2016 | abbreviated format | 31-07-2017 | 2017-39700075 |
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Subsidies and aid
Flemish government
2022 · 1 entry · €681 awarded · €681 paidPublic contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.