COSCOM
ActiveSummary
COSCOM has been active since 2000 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €135,364 and a net result of €17,933. Equity is growing by about 40% per year across the filed financial years. Its solvency ranks better than 70% of 3,376 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Overview
- Equity
- €135,364
- Profit
- €17,933
- COPPIETERS de ter ZAELE Alexia Anne Andrée Marie-GhislaineDirector
- COPPIETERS de ter ZAELE Aude Marc Louise Dominique Geoffrey Marie-GhislaineDirector
Why 95lowers riskLiquidity: current ratio 2.62, cash €111,762Size: total assets €194,501Sector: Computer programming, consultancy and related activities (NACE 62)Equity €135,364 (69.6% of total assets)Show the evidence
Checked score
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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 62, micro): better than 62% on solvency, 73% on liquidity, 40% on profitability and 61% on growth.
The bankruptcy probability was computed on 27-10-2026 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.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
This company filed its last 7 accounts on average 22 days after the deadline; the sector median (NACE 62) for financial year 2024 is 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · abbreviated…
- Annual accounts filedfinancial year 2024 · micro…
- Equity above €100,000equity €117,431 ▲26.3%
Financials · financial year 2025, abbreviated format
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result has fallen two years in a row; 2025 is 37% below 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 62, Computer programming, consultancy and related activities: 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).
Peer companies
Historical observationOf the 31,368 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 93.5% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of < 0.1% 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 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% 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 31,368 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.
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,759 | €1,884 | €1,612 | €1,250 | €1,232 | €2,647 | €6,303 | €10,965 | ▲ 74.0% |
| Other operating charges640/8 | - | - | - | €731 | €659 | €902 | €754 | €362 | ▼ 52.0% |
| Gross operating margin9900 | €19,028 | €25,141 | €4,530 | €33,428 | €19,796 | €57,367 | €54,048 | €41,072 | ▼ 24.0% |
| Operating profit (loss)9901 | €16,581 | €22,679 | €2,354 | €31,447 | €17,905 | €53,819 | €46,991 | €29,745 | ▼ 36.7% |
| Financial income75/76B | - | - | - | €6 | - | €66 | €102 | €216 | ▲ 111% |
| Recurring financial income75 | €430 | €28 | €38 | €6 | - | €66 | €102 | €216 | ▲ 111% |
| Financial charges65/66B | - | - | - | €414 | €504 | €310 | €446 | €527 | ▲ 18.2% |
| Recurring financial charges65 | €221 | - | €435 | €414 | €504 | €310 | €446 | €527 | ▲ 18.2% |
| Profit (loss) for the period before taxes9903 | €16,673 | €22,707 | €1,958 | €31,039 | €17,401 | €53,574 | €46,647 | €29,433 | ▼ 36.9% |
| Income taxes67/77 | €51 | €7,000 | - | €10,383 | €5,000 | €15,000 | €22,171 | €11,500 | ▼ 48.1% |
| Profit (loss) for the period9904 | €16,622 | €15,707 | €1,958 | €20,656 | €12,401 | €38,574 | €24,476 | €17,933 | ▼ 26.7% |
| Profit (loss) for the period to be appropriated9905 | €16,622 | €15,707 | €1,958 | €20,656 | €12,401 | €38,574 | €24,476 | €17,933 | ▼ 26.7% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €58,996 | €91,744 | €93,844 | €136,792 | €106,002 | €138,914 | €161,934 | €194,501 | ▲ 20.1% |
| Fixed assets21/28 | €3,587 | €1,703 | €1,329 | €2,297 | €2,191 | €26,966 | €20,662 | €43,249 | ▲ 109% |
| Tangible fixed assets22/27 | €3,477 | €1,593 | €1,219 | €2,187 | €2,081 | €26,856 | €20,552 | €43,139 | ▲ 110% |
| Furniture and vehicles24 | - | - | - | €2,187 | €2,081 | €26,856 | €20,552 | €43,139 | ▲ 110% |
| Financial fixed assets28 | €110 | €110 | €110 | €110 | €110 | €110 | €110 | €110 | = |
| Current assets29/58 | €55,409 | €90,042 | €92,514 | €134,495 | €103,811 | €111,949 | €141,271 | €151,252 | ▲ 7.1% |
| Amounts receivable within one year40/41 | €4,888 | €29,883 | €34,377 | €24,234 | €10,499 | €12,034 | €52,461 | €37,806 | ▼ 27.9% |
| Trade receivables40 | - | - | - | €24,234 | €10,499 | €7,405 | €15,518 | €34,186 | ▲ 120% |
| Other amounts receivable41 | - | - | - | - | - | €4,630 | €36,943 | €3,620 | ▼ 90.2% |
| Cash at bank and in hand54/58 | €50,522 | €59,625 | €58,099 | €109,750 | €93,312 | €99,914 | €88,810 | €111,762 | ▲ 25.8% |
| Deferred charges and accrued income490/1 | - | - | - | €511 | - | - | - | €1,684 | - |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €58,996 | €91,744 | €93,844 | €136,792 | €106,002 | €138,914 | €161,934 | €194,501 | ▲ 20.1% |
| Equity10/15 | €3,658 | €19,365 | €21,323 | €41,979 | €54,380 | €92,954 | €117,431 | €135,364 | ▲ 15.3% |
| Contributions10/11 | €18,600 | €18,600 | - | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Contributions outside capital11 | - | - | - | - | - | €18,600 | €18,600 | €18,600 | = |
| Other1109/19 | - | - | - | - | - | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €11,860 | €31,860 | €55,860 | €73,760 | ▲ 32.0% |
| Non-distributable reserves130/1 | - | - | - | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | - | - | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | - | - | - | - | €10,000 | €30,000 | €54,000 | €71,900 | ▲ 33.1% |
| Profit (loss) carried forward14 | -€16,802 | -€1,095 | €863 | €21,519 | €23,920 | €42,494 | €42,971 | €43,004 | ▲ 0.1% |
| Provisions and deferred taxes16 | - | - | - | - | €1,300 | €1,300 | €1,300 | €1,300 | = |
| Provisions for liabilities and charges160/5 | - | - | - | - | €1,300 | €1,300 | €1,300 | €1,300 | = |
| Other liabilities and charges164/5 | - | - | - | - | €1,300 | €1,300 | €1,300 | €1,300 | = |
| Amounts payable17/49 | €55,338 | €72,379 | €72,521 | €94,813 | €50,322 | €44,660 | €43,203 | €57,837 | ▲ 33.9% |
| Amounts payable within one year42/48 | €55,338 | €72,379 | €72,521 | €94,813 | €50,322 | €44,660 | €43,203 | €57,837 | ▲ 33.9% |
| Current portion of amounts payable after more than one year42 | - | - | - | €322 | €322 | - | - | - | - |
| Financial debts43 | - | - | - | - | - | €0 | - | €51 | - |
| Credit institutions430/8 | - | - | - | - | - | €0 | - | €51 | - |
| Trade debts44 | €3,189 | €22,051 | €15,521 | €14,965 | €5,462 | - | - | €4,849 | - |
| Suppliers440/4 | - | - | - | €14,965 | €5,462 | - | - | €4,849 | - |
| Taxes, remuneration and social security45 | - | - | - | €15,021 | €12,285 | €6,528 | €3,383 | €7,438 | ▲ 120% |
| Taxes450/3 | - | - | - | €15,021 | €9,405 | €6,528 | €3,383 | €6,359 | ▲ 87.9% |
| Remuneration and social security454/9 | - | - | - | - | €2,880 | - | - | €1,080 | - |
| Other amounts payable47/48 | - | - | - | €64,505 | €32,253 | €38,132 | €39,820 | €45,499 | ▲ 14.3% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €16,622 | €15,707 | €1,958 | €20,656 | €12,401 | €38,574 | €24,476 | €17,933 | ▼ 26.7% |
| + Depreciation and write-downs630 | €1,759 | €1,884 | €1,612 | €1,250 | €1,232 | €2,647 | €6,303 | €10,965 | ▲ 74.0% |
| Operating cash flow (approximation) | €18,381 | €17,591 | €3,570 | €21,906 | €13,633 | €41,221 | €30,780 | €28,899 | ▼ 6.1% |
| Investment in fixed assets (approximation) | - | €0 | -€1,239 | -€2,217 | -€1,126 | -€27,421 | €0 | -€33,552 | - |
| Change in cash | - | €9,103 | -€1,526 | €51,651 | -€16,438 | €6,602 | -€11,104 | €22,951 | - |
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 25 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | abbreviated format | 23-06-2026 | 2026-00186890 |
| 31-12-2024 | micro format | 30-07-2025 | 2025-00330322 |
| 31-12-2023 | micro format | 26-08-2024 | 2024-00367850 |
| 31-12-2022 | micro format | 24-08-2023 | 2023-00347466 |
| 31-12-2021 | micro format | 31-08-2022 | 2022-20362301 |
| 31-12-2020 | micro format | 27-08-2021 | 2021-54400562 |
| 31-12-2019 | micro format | 23-10-2020 | 2020-62800030 |
| 31-12-2018 | micro format | 12-08-2019 | 2019-45800473 |
| 31-12-2017 | micro format | 04-07-2018 | 2018-30000047 |
| 31-12-2016 | micro format | 18-07-2017 | 2017-33400074 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Not every act has been read: a resignation may still be missing
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| COPPIETERS de ter ZAELE Alexia Anne Andrée Marie-Ghislaine |
|
| COPPIETERS de ter ZAELE Aude Marc Louise Dominique Geoffrey Marie-Ghislaine |
|
Owners and capital
Capital and shareholders
The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.
- 27-12-2023 Converted to unavailable equity · €20,460
Group and network
Connections & network
2 current directorsThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
27-12
Gazette deed
Legal-form change · Resignations & appointmentsAppointments: COPPIETERS de ter ZAELE Alexia Anne Andrée Marie-Ghislaine (director) and COPPIETERS de ter ZAELE Aude Marc Louise Dominique Geoffrey Marie-Ghislaine (director) · Incorporation · Shareholding23 facts ▸
- General meeting, 18-12-2023
- Incorporation, 29-08-2000
- Other provision, “statuts et immatriculation, registre des personnes morales de Bruxelles” (deed in French)
- Other provision, “scrutateurs, assemblée en nombre restreint” (deed in French)
- Shareholding, COPPIETERS de ter ZAELE Alexia Anne Andrée Marie-Ghislaine
- Shareholding, COPPIETERS de ter ZAELE Aude Marc Louise Dominique Geoffrey Marie-Ghislaine
- Capital (2 times)
- Other provision, “soumission aux dispositions du nouveau Code des sociétés et des associations, adaptation forme légale et capital au CSA” (deed in French)
- Other provision, “composition et constitution assemblée” (deed in French)
- Other provision, “constatation validité assemblée” (deed in French)
- Other provision, “mise en conformité CSA, loi du 23-03-2019” (deed in French)
- Legal-form conversion, “société à responsabilité limitée” (deed in French)
- +11 further facts in this act
About the unread acts
Of the 3 Belgian Official Gazette deeds 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.
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 21616G0043/00T002 | Brussels | 137 m² | 1 · 64 m² | 11.0 m · 3 |
How the parcels are linked
Articles of association
What the company does
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- COSCOM
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- One provision in the deed
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- “Article 11. Pouvoirs de l’organe d’administration et représentation Pouvoirs de décision S’il n’y a qu’un seul administrateur, il lui est…”
- Board ruleHow the board is made up, meets and takes decisions.
- “Avec ou sans limitation de durée, 1” (deed in French)
Capital, shares and profit
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- One provision in the deed
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Third Tuesday of May at 14:00
Oversight and winding up
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Assemblée générale formes modifications statuts, tout temps” (deed in French)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Si aucun autre liquidateur désigné, pouvoirs et émoluments” (deed in French)