COTO & Co
ActiveSummary
COTO & Co has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €933,362 and a net result of €357,450. Equity is growing by ~58.4% per year across the filed fiscal years. Its solvency ranks better than 84% of 14284 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+18
Solvency100▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €80,000 at 30 days acceptable
Liquidity ample (current ratio 11.48 against 4.16 in 2024; short-term debt: 6.7% and cash: 7.2% of total assets), and 21.6% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer 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
78.4%
Return on assets
30%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
41 d early
2023
34 d early
2022
33 d early
2021
53 d early
2020
5 d early
2019
3 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 27 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (2)
neutral · 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. Usually files around 28 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
€0
2024 · €0
Total assets
€1.2m▲ 38.4%
2024 · €859,900
Net result
€357,450▲ 282%
2024 · €93,631
Working capital
€836,934▲ 104%
2024 · €410,753
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€0€0€0€0€0
Operating result€131,618▲ 14.3%€205,537▲ 56.2%€261,416▲ 27.2%€144,313▼ 44.8%€138,236▼ 4.2%
Net result€70,755above the sector's middle half▲ 3.7%€127,752above the sector's middle half▲ 80.6%€184,701above the sector's middle half▲ 44.6%€93,631above the sector's middle half▼ 49.3%€357,450above the sector's middle half▲ 282%
Equity€201,117within the sector's middle half▲ 54.3%€328,870above the sector's middle half▲ 63.5%€513,571above the sector's middle half▲ 56.2%€607,202above the sector's middle half▲ 18.2%€933,362above the sector's middle half▲ 53.7%
Total assets€805,724within the sector's middle half▼ 1.1%€803,814within the sector's middle half▼ 0.2%€870,020within the sector's middle half▲ 8.2%€859,900within the sector's middle half▼ 1.2%€1.2mabove the sector's middle half▲ 38.4%
Debt€604,607▼ 11.7%€474,944▼ 21.4%€356,450▼ 24.9%€252,698▼ 29.1%€169,262▼ 33.0%
Working capital-€4,921within the sector's middle half▲ 94.8%€133,392above the sector's middle half€338,466above the sector's middle half▲ 154%€410,753above the sector's middle half▲ 21.4%€836,934above the sector's middle half▲ 104%
Solvency25.0%within the sector's middle half▲ 9.0pp40.9%within the sector's middle half▲ 16.0pp59.0%within the sector's middle half▲ 18.1pp70.6%above the sector's middle half▲ 11.6pp78.4%above the sector's middle half▲ 7.8pp
Current ratio0.98within the sector's middle half▲ 0.461.78within the sector's middle half▲ 0.803.21above the sector's middle half▲ 1.434.16above the sector's middle half▲ 0.9611.48above the sector's middle half▲ 7.31
Return on assets (ROA)8.8%above the sector's middle half▲ 0.4pp15.9%above the sector's middle half▲ 7.1pp21.2%above the sector's middle half▲ 5.3pp10.9%above the sector's middle half▼ 10.3pp30.0%above the sector's middle half▲ 19.1pp
Staff (FTE)2.6=3▲ 15.4%3.4▲ 13.3%4▲ 17.6%2.8▼ 30.0%
above
within
below
the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 4% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.2m
Fixed assets
€273,317 ▼ 14.4%
Current assets
€916,807 ▲ 69.6%
Equity and liabilities €1.2m
Equity
€933,362 ▲ 53.7%
Provisions
€87,500
Debt
€169,262 ▼ 33.0%
Debt's share of the balance-sheet total falls from 29.4% to 14.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€196,763▼
2024 · €204,604
Cash flow
€415,977▲
2024 · €153,923
Debt to equity
0.18▼
2024 · 0.42
ROE
38.3%▲
2024 · 15.4%
Interest coverage
34.07▲
2024 · 27.58
Debt ≤ 1 year
€79,873▼
2024 · €129,803
Debt > 1 year
€89,389▼
2024 · €121,371
Income taxes
€50,072▲
2024 · €47,508
Staff costs
€183,445▼
2024 · €192,481
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,371 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.5%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.2% 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 497,340 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% | 1.0% |
| 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% 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 31,371 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.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €0 | €0 | €0 | €0 | €0 | - |
| Goods, raw materials, services and sundry goods60/61 | €0 | €0 | €0 | €0 | €0 | - |
| Remuneration, social security and pensions62 | €104,054 | €120,617 | €155,314 | €192,481 | €183,445 | ▼ 4.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €141,853 | €124,825 | €127,479 | €60,292 | €58,526 | ▼ 2.9% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | €222,600 | €95,400 | ▼ 57.1% |
| Other operating charges640/8 | €11,972 | €6,610 | €8,745 | €12,429 | €8,770 | ▼ 29.4% |
| Gross operating margin9900 | €389,497 | €457,589 | €552,954 | €632,114 | €484,378 | ▼ 23.4% |
| Operating profit (loss)9901 | €131,618 | €205,537 | €261,416 | €144,313 | €138,236 | ▼ 4.2% |
| Financial income75/76B | €0 | €4 | €3,230 | €4,244 | €362,561 | ▲ 8,442% |
| Recurring financial income75 | €0 | €4 | €3,230 | €4,244 | €12,561 | ▲ 196% |
| Non-recurring financial income76B | - | - | - | - | €350,000 | - |
| Financial charges65/66B | €18,295 | €14,372 | €9,731 | €7,418 | €5,775 | ▼ 22.2% |
| Recurring financial charges65 | €18,295 | €14,372 | €9,731 | €7,418 | €5,775 | ▼ 22.2% |
| Profit (loss) for the period before taxes9903 | €113,323 | €191,168 | €254,915 | €141,139 | €495,023 | ▲ 251% |
| Transfer to deferred taxes680 | - | - | - | - | €87,500 | - |
| Income taxes67/77 | €42,568 | €63,416 | €70,214 | €47,508 | €50,072 | ▲ 5.4% |
| Profit (loss) for the period9904 | €70,755 | €127,752 | €184,701 | €93,631 | €357,450 | ▲ 282% |
| Transfer to tax-exempt reserves689 | - | - | - | - | €262,500 | - |
| Profit (loss) for the period to be appropriated9905 | €70,755 | €127,752 | €184,701 | €93,631 | €94,950 | ▲ 1.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €805,724 | €803,814 | €870,020 | €859,900 | €1.2m | ▲ 38.4% |
| Fixed assets21/28 | €607,244 | €499,189 | €378,156 | €319,343 | €273,317 | ▼ 14.4% |
| Intangible fixed assets21 | €135,080 | €67,540 | €0 | €0 | €0 | - |
| Tangible fixed assets22/27 | €472,164 | €431,649 | €378,156 | €319,343 | €273,317 | ▼ 14.4% |
| Land and buildings22 | €449,427 | €399,476 | €354,041 | €303,593 | €253,145 | ▼ 16.6% |
| Plant, machinery and equipment23 | €2,662 | €1,887 | €1,113 | €339 | €0 | ▼ 100% |
| Furniture and vehicles24 | €20,075 | €30,286 | €23,002 | €15,412 | €20,172 | ▲ 30.9% |
| Current assets29/58 | €198,480 | €304,625 | €491,864 | €540,556 | €916,807 | ▲ 69.6% |
| Amounts receivable after more than one year29 | - | - | €285,000 | €95,400 | €0 | ▼ 100% |
| Other amounts receivable291 | - | - | €285,000 | €95,400 | €0 | ▼ 100% |
| Amounts receivable within one year40/41 | €1,924 | €2,284 | €0 | €1,554 | €408,482 | ▲ 26,189% |
| Trade receivables40 | - | - | - | - | €30,213 | - |
| Other amounts receivable41 | €1,924 | €2,284 | €0 | €1,554 | €378,269 | ▲ 24,245% |
| Current investments50/53 | - | - | €130,000 | €296,000 | €422,000 | ▲ 42.6% |
| Cash at bank and in hand54/58 | €161,417 | €259,979 | €12,719 | €75,492 | €86,176 | ▲ 14.2% |
| Deferred charges and accrued income490/1 | €35,139 | €42,362 | €64,146 | €72,110 | €149 | ▼ 99.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €805,724 | €803,814 | €870,020 | €859,900 | €1.2m | ▲ 38.4% |
| Equity10/15 | €201,117 | €328,870 | €513,571 | €607,202 | €933,362 | ▲ 53.7% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €182,517 | €310,270 | €299,874 | €379,874 | €706,033 | ▲ 85.9% |
| 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 | = |
| Tax-exempt reserves132 | - | - | - | - | €262,500 | - |
| Distributable reserves133 | €180,657 | €308,410 | €298,014 | €378,014 | €441,673 | ▲ 16.8% |
| Profit (loss) carried forward14 | - | - | €195,097 | €208,728 | €208,728 | = |
| Provisions and deferred taxes16 | - | - | - | - | €87,500 | - |
| Deferred taxes168 | - | - | - | - | €87,500 | - |
| Amounts payable17/49 | €604,607 | €474,944 | €356,450 | €252,698 | €169,262 | ▼ 33.0% |
| Amounts payable after more than one year17 | €400,455 | €302,906 | €202,125 | €121,371 | €89,389 | ▼ 26.3% |
| Financial debts170/4 | €394,455 | €296,906 | €202,125 | €121,371 | €89,389 | ▼ 26.3% |
| Other amounts payable178/9 | €6,000 | €6,000 | €0 | - | - | - |
| Amounts payable within one year42/48 | €203,402 | €171,232 | €153,398 | €129,803 | €79,873 | ▼ 38.5% |
| Current portion of amounts payable after more than one year42 | €108,060 | €97,549 | €94,781 | €80,754 | €31,981 | ▼ 60.4% |
| Financial debts43 | €29,521 | €6,744 | €0 | €725 | €0 | ▼ 100% |
| Credit institutions430/8 | €29,521 | €6,744 | €0 | €725 | €0 | ▼ 100% |
| Trade debts44 | €2,527 | €9,618 | €4,070 | €2,055 | €18,224 | ▲ 787% |
| Suppliers440/4 | €2,527 | €9,618 | €4,070 | €2,055 | €18,224 | ▲ 787% |
| Taxes, remuneration and social security45 | €36,543 | €34,197 | €48,541 | €46,268 | €29,667 | ▼ 35.9% |
| Taxes450/3 | €18,738 | €18,438 | €27,942 | €11,327 | €18,657 | ▲ 64.7% |
| Remuneration and social security454/9 | €17,805 | €15,759 | €20,599 | €34,941 | €11,011 | ▼ 68.5% |
| Other amounts payable47/48 | €26,750 | €23,124 | €6,006 | €0 | €0 | - |
| Accrued charges and deferred income492/3 | €751 | €806 | €927 | €1,524 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €70,755 | €127,752 | €184,701 | €93,631 | €357,450 | ▲ 282% |
| + Depreciation and write-downs630 | €141,853 | €124,825 | €127,479 | €60,292 | €58,526 | ▼ 2.9% |
| Operating cash flow (approximation) | €212,608 | €252,577 | €312,180 | €153,923 | €415,977 | ▲ 170% |
| Investment in fixed assets (approximation) | - | -€16,770 | -€6,446 | -€1,479 | -€12,500 | ▼ 745% |
| Change in cash | - | €98,562 | -€247,260 | €62,773 | €10,684 | ▼ 83.0% |
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
2026
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €357,450 ▲282%
Net result €357,450, the highest in the series.
31-12
Financial
Liquidity triplescurrent ratio 11.48
Current ratio from 4.16 to 11.48; short-term debt falls from €129,803 to €79,873.
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €500,000Eq €513,571 ▲56.2%
6 profitable years in a row build equity to €513,571.
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
08-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200,000Eq €201,117 ▲54.3%
4 profitable years in a row build equity to €201,117.
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100,000Eq €130,362 ▲110%
3 profitable years in a row build equity to €130,362.
03-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 3 days late
Show earlier events
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
13-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 acts for this company are 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, Liège · 1 establishment unit since 2006
Ground area
644 m²
Building footprint
547 m²
Volume, LiDAR
20,172 m³
Parcel 62814C0016/00H000, Wallonia · tallest building 39.1 m, ±12 floors. Linked by address, not a title deed.
12
companies at this address
See who is registered here
1 establishment unit
COTO & Co
since 20062.152.991.016
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62814C0016/00H000 | Wallonia | 644 m² | 1 · 547 m² | 39.1 m · 12 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 9,144 companies in sector 68201 we hold annual accounts for 6,775. 4,871 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
Founded03-04-2006
Fiscal year end31-12
Activities, NACEBEL 2025
68201Renting and operating of own or leased residential real estate, excluding social housing
66290Activities auxiliary to financial services and insurance activities
68203Renting and operating of own or leased non-residential real estate, excluding land
70200Business and other management consultancy
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
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If you follow this company, Checked tells you the day it appears in the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.