Cotexi
ActiveSummary
The computed 12-month bankruptcy probability of Cotexi is 2.3% (moderate). The 2025 annual accounts show equity of €3,223 and a net result of €111,475. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 12% of 7524 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency26▼-74
Growth58▼-20
Track record94
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
0.8%
Return on assets
29.1%
Age of the figures
15 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 7524 sector peers (2025).
NBB · sector comparisonPosition among 7524 sector peers
Solvency
better than 12%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 23-12-2025, 39 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
39 d early
2024
1 d early
2023
1 d early
2022
20 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 15 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close26-09-2026 today31-01-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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Financials · fiscal year 2025, micro schema
In the rankings
#10 company by total assets in Ferrières, Construction sector
Equity
€3,223▼ 98.8%
2024 · €261,748
Total assets
€382,941▲ 27.3%
2024 · €300,709
Net result
€111,475▲ 22.2%
2024 · €91,202
Working capital
€95▼ 100.0%
2024 · €257,680
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Operating result€113,093-€114,777▲ 1.5%€123,190▲ 7.3%€149,285▲ 21.2%
Net result€82,228-€85,318▲ 3.8%€91,202▲ 6.9%€111,475▲ 22.2%
Equity€85,228-€170,546▲ 100%€261,748▲ 53.5%€3,223▼ 98.8%
Total assets€131,714-€218,958▲ 66.2%€300,709▲ 37.3%€382,941▲ 27.3%
Debt€46,486-€48,412▲ 4.1%€38,961▼ 19.5%€379,719▲ 875%
Working capital€85,228-€168,607▲ 97.8%€257,680▲ 52.8%€95▼ 100.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 21% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €382,941
Fixed assets
€3,128 ▼ 23.1%
Current assets
€379,814 ▲ 28.0%
Equity and liabilities €382,941
Equity
€3,223 ▼ 98.8%
Debt
€379,719 ▲ 875%
Debt's share of the balance-sheet total rises from 13.0% to 99.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€150,225▲
2024 · €123,673
Cash flow
€112,415▲
2024 · €91,685
Current ratio
1.00▼
2024 · 7.61
ROA
29.1%▼
2024 · 30.3%
Interest coverage
157.63▲
2024 · 123.96
Debt ≤ 1 year
€379,719▲
2024 · €38,961
Income taxes
€38,056▲
2024 · €30,990
A ratio outside any meaningful range has been withheld (balance sheet total €382,941, equity €3,223).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €190 | €483 | €940 | ▲ 94.5% |
| Other operating charges640/8 | €446 | €3,187 | €346 | €1,149 | ▲ 232% |
| Gross operating margin9900 | €113,539 | €118,154 | €124,019 | €151,374 | ▲ 22.1% |
| Operating profit (loss)9901 | €113,093 | €114,777 | €123,190 | €149,285 | ▲ 21.2% |
| Financial income75/76B | €0 | €0 | - | €1,199 | - |
| Recurring financial income75 | €0 | €0 | - | €1,199 | - |
| Financial charges65/66B | €32 | €120 | €998 | €953 | ▼ 4.5% |
| Recurring financial charges65 | €32 | €120 | €998 | €953 | ▼ 4.5% |
| Profit (loss) for the period before taxes9903 | €113,061 | €114,657 | €122,192 | €149,531 | ▲ 22.4% |
| Income taxes67/77 | €30,834 | €29,339 | €30,990 | €38,056 | ▲ 22.8% |
| Profit (loss) for the period9904 | €82,228 | €85,318 | €91,202 | €111,475 | ▲ 22.2% |
| Profit (loss) for the period to be appropriated9905 | €82,228 | €85,318 | €91,202 | €111,475 | ▲ 22.2% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €131,714 | €218,958 | €300,709 | €382,941 | ▲ 27.3% |
| Fixed assets21/28 | - | €1,938 | €4,067 | €3,128 | ▼ 23.1% |
| Tangible fixed assets22/27 | - | €1,938 | €4,067 | €3,128 | ▼ 23.1% |
| Land and buildings22 | - | €1,938 | €4,067 | €3,128 | ▼ 23.1% |
| Current assets29/58 | €131,714 | €217,020 | €296,641 | €379,814 | ▲ 28.0% |
| Amounts receivable within one year40/41 | €10,875 | €32,020 | €10,939 | €18,566 | ▲ 69.7% |
| Trade receivables40 | €10,875 | €31,976 | €10,927 | €18,566 | ▲ 69.9% |
| Other amounts receivable41 | - | €43 | €13 | - | - |
| Current investments50/53 | - | - | €200,000 | €250,885 | ▲ 25.4% |
| Cash at bank and in hand54/58 | €120,839 | €183,962 | €84,392 | €109,021 | ▲ 29.2% |
| Deferred charges and accrued income490/1 | - | €1,038 | €1,310 | €1,341 | ▲ 2.4% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €131,714 | €218,958 | €300,709 | €382,941 | ▲ 27.3% |
| Equity10/15 | €85,228 | €170,546 | €261,748 | €3,223 | ▼ 98.8% |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Profit (loss) carried forward14 | €82,228 | €167,546 | €258,748 | €223 | ▼ 99.9% |
| Amounts payable17/49 | €46,486 | €48,412 | €38,961 | €379,719 | ▲ 875% |
| Amounts payable within one year42/48 | €46,486 | €48,412 | €38,961 | €379,719 | ▲ 875% |
| Trade debts44 | €6,505 | €13,781 | €793 | €366 | ▼ 53.9% |
| Suppliers440/4 | €6,505 | €13,781 | €793 | €366 | ▼ 53.9% |
| Taxes, remuneration and social security45 | €39,981 | €34,631 | €34,757 | €7,428 | ▼ 78.6% |
| Taxes450/3 | €39,981 | €34,631 | €34,757 | €7,428 | ▼ 78.6% |
| Other amounts payable47/48 | - | - | €3,412 | €371,925 | ▲ 10,801% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €82,228 | €85,318 | €91,202 | €111,475 | ▲ 22.2% |
| + Depreciation and write-downs630 | - | €190 | €483 | €940 | ▲ 94.5% |
| Operating cash flow (approximation) | €82,228 | €85,508 | €91,685 | €112,415 | ▲ 22.6% |
| Investment in fixed assets (approximation) | - | - | -€2,612 | €0 | ▲ 100% |
| Change in cash | - | €63,123 | -€99,570 | €24,629 | ▲ 125% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
23-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Highest result since 2022net €111,475 ▲22.2%
Operating result €149,285, net result €111,475, both a record.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Equity above €200,000Eq €261,748 ▲53.5%
3 profitable years in a row build equity to €261,748.
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Equity above €150,000Eq €170,546 ▲100%
2 profitable years in a row build equity to €170,546.
11-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Ferrières · 1 establishment unit since 2021
Ground area
792 m²
Building footprint
90 m²
Volume, LiDAR
489 m³
Parcel 61076B0335/00A004, Wallonia · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Cotexi
since 20212.324.422.084
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61076B0335/00A004 | Wallonia | 792 m² | 1 · 90 m² | 7.2 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,787 companies in sector 41001 we hold annual accounts for 16,039. 4,816 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded24-11-2021
Fiscal year end30-06
Activities, NACEBEL 2025
41001General construction of residential buildings
68322Real estate appraisal on a fee or contract basis
70200Business and other management consultancy
71121Engineering and related technical consultancy, excluding land surveyors
71209Other technical testing and analysis
82300Organisation of conventions and trade shows
Scores and ratios are computed by Checked and are not a credit decision.