COOLEMAN · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of COOLEMAN is 0.2% (very low). The 2025 annual accounts show equity of €77k and a net result of €25k. Equity is growing by ~39.2% per year across the filed fiscal years. Its solvency ranks better than 39% of 6601 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.

Signals

1 signal · with evidence

Consistently profitable

Positive net result in the two most recent financial years (2023 and 2024).

View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

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.

How we compute the deadline

The year end is derived from 3 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	31-07-2026	on the day	2026-00377210
31-12-2024	31-07-2025	15-05-2025	77 d early	2025-00098442
31-12-2023	31-07-2024	02-07-2024	29 d early	2024-00203817

Source: the National Bank's deposit records, as we have ingested them. NOTE: our copy has a gap across June to August 2026, missing roughly 220,000 deposits; for July we hold 15,605 of about 137,000 expected. A year whose deadline falls in that window shows as not confirmed, not as not filed. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2022, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.2% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Young company +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (micro schema)

EBIT marginNot published (micro schema)

Net result€25k-19.9%

Working capital€67k+41.4%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 31-07-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

declining Net result: declining trend of ~13.4%/year over 3 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 86, Human health · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	55.4%	66.7%	better than 39% of 6601 sector peers
Net result	€31k	€46k	better than 38% of 6595 sector peers
Equity	€58k	€79k	better than 41% of 6601 sector peers
Gross operating margin	€50k	€78k	better than 34% of 6603 sector peers
Total assets	€104k	€154k	better than 35% of 6604 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€42k

-16.0% 23-25

Net profit

€25k

-19.9% 23-25

Cash flow

€35k

-14.9% 23-25

Total assets

€114k

+9.5% 23-25

Equity

€77k

+34.7% 23-25

Working capital

€67k

+41.4% 23-25

Income taxes

€6k

-18.1% 23-25

Debt

€36k

-21.8% 23-25

Show 9 other metrics

Debt ≤ 1y

€16k

-2.5% 23-25

Debt > 1y

€21k

-32.0% 23-25

Current ratio

5.27

+33.6% 23-25

Quick ratio

5.27

+33.6% 23-25

Solvency

68.2%

+23.0% 23-25

Debt / equity

0.47

-41.9% 23-25

ROE

32.2%

-40.5% 23-25

ROA

22.0%

-26.9% 23-25

Interest coverage

25.48

+5.4% 23-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€42k
Net profit	€25k
Cash flow	€35k
Staff costs	-
Income taxes	€6k
Dividends	-
Total assets	€114k
Equity	€77k
Debt	€36k
of which ≤ 1y	€16k
of which > 1y	€21k
Working capital	€67k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	5.27
Quick ratio	5.27
Working capital ratio	58.5%
Solvency	68.2%
Debt / equity	0.47
Long-term debt ratio	0.27
Interest coverage	25.48
Gross margin	-
Net margin	-
ROA	22.0%
ROE	32.2%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €32k · 27.7% Current assets €82k · 72.3%

Equity & liabilities

Equity €77k · 68.2% Debt €36k · 31.8%

Full annual accounts (22 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€114k
Fixed assets	21/28	€32k
Tangible fixed assets	22/27	€32k
Current assets	29/58	€82k
Amounts receivable within one year	40/41	€32k
Cash & bank	54/58	€48k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€114k
Equity	10/15	€77k
Contributions / capital	10/11	€3k
Reserves	13	€75k
Amounts payable	17/49	€36k
Amounts payable after one year	17	€21k
Amounts payable within one year	42/48	€16k
Trade debts payable within one year	44	€3k
Income statement
Gross operating margin	9900	€43k
Operating result	9901	€32k
Financial income	75	€927
Financial charges	65	€2k
Result before taxes	9903	€31k
Income taxes	67/77	€6k
Net result for the period	9904	€25k
Result to be appropriated	9905	€25k

This table shows the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

93 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

5 companies at this address See who is registered here

Establishment units

1 location

COOLEMAN

Serigiersstraat 21, 2020 AntwerpenHandelsbemiddeling in de groothandel in andere specifieke goederen

since 20222.340.786.083

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area469 m²

Buildings1

Building footprint249 m²

Volume (LiDAR)2,055 m³

Tallest building9.2 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11809I2108/00H004	Flanders	469 m²	1 · 249 m²	9.2 m · 3 fl.

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.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

1 of 3 acts read

Of the 3 Belgian State Gazette acts we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

What every Belgian State Gazette publication actually says, each act broken down into appointments, capital movements, seat moves and statute amendments.

2026

14-08-2026 General meeting · Registered-office move

2 facts