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COVIFIL

Active
Public limited companyfounded 1995active for 31 yearsAvenue du Parc 22, 4650 Herve, Belgium37 active companies are registered at this addressKBO/BCE: BE 0455.102.818
Summary

COVIFIL has been active since 1995 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.7m and a net result of €18,809. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 42% of 57 sector peers (NACE 92, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisFollow ReportCompare
COVIFILActiveChecked score 93/100
Risk analysis ReportCompare

Overview

Activity
Gambling and betting activities
NACE 92000
7th largest company by total assets in the province of Liège, Gambling and betting sector2 sites
Size
€5.4mturnover 2025
Staff
6.1 FTE
Equity
€1.7m
Profit
€18,809
Financial health
93 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Structure
Parent
SOFABO · 100%
2025 accounts filed 13 days late5 of 15 deeds summarised
Why 93raises riskProfit of €18,809 (financial year 2025)lowers riskFounded in 1995Liquidity: current ratio 1.07, cash €811,016Equity €1.7m (55.5% of total assets)Show the evidence

Checked score

Score 2025
93 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 47% of its sector peers (NACE 92, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Strong
Solvency 80-20
equity 55.5% of total assets
Liquidity 64+1
short-term debt 40.3% · cash 26.3%
Profitability 70-30
return on assets 0.6%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.5% (218 companies, NACE 92, micro)
Last 24 months 11-2024: 0.2% 12-2024: 0.2%● unchanged vs 11-2024 01-2025: 0.2%● unchanged vs 12-2024 02-2025: 0.2%● unchanged vs 01-2025 03-2025: 0.2%● unchanged vs 02-2025 04-2025: 0.2%● unchanged vs 03-2025 05-2025: 0.2%● unchanged vs 04-2025 06-2025: 0.2%● unchanged vs 05-2025 07-2025: 0.3%▲ +0.1 percentage points vs 06-2025 08-2025: 0.5%▲ +0.2 percentage points vs 07-2025highest value 09-2025: 0.1%▼ -0.4 percentage points vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025 02-2026: 0.1%● unchanged vs 01-2026lowest value 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026 08-2026: 0.2%▲ +0.1 percentage points vs 07-2026 09-2026: 0.1%▼ -0.1 percentage points vs 08-2026 10-2026: 0.1%● unchanged vs 09-2026
Credit of up to €150,000 on 30-day terms is acceptable
Liquidity tight (current ratio 1.07, compared with 1.31 in 2024, below the usual 1.5; short-term debt: 40.3% and cash: 26.3% of total assets), and 44.5% of the assets are financed with debt and provisions.
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 92, micro): better than 45% on solvency, 69% on liquidity, 47% on profitability and 27% on growth.

The bankruptcy probability was computed on 25-10-2026 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).

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Signals

Five signals.
lowers riskraises risk
lowers risk · Founded in 1995
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
lowers risk · Liquidity: current ratio 1.07, cash €811,016
NBB · annual accounts
lowers risk · Equity €1.7m (55.5% of total assets)
NBB · annual accounts
raises risk · Profit of €18,809 (financial year 2025)
NBB · annual accounts
raises risk · 2025 accounts filed 13 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-08-2026, 13 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
13 days late
2024
28 days late
2023
6 days late
2022
10 days late
2021
2 days late
2020
62 days late
2019
25 days 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 21 days after the deadline; the sector median (NACE 92) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 10 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
26-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Appointment: Maxime POULAIN (director)Gazette deed
  2. Annual accounts filedfinancial year 2025 · full…
  3. Resignation: MAC MANAGEMENT (director)Director discharge

Key points

  • Caution: Result fell in 2025from €1.2m to €18,809 ▼ 98.5% View
  • Positive: 7th largest company by total assets in the province of Liège, Gambling…in the Checked rankings No. 7 View
  • Positive: 8 profitable years in a rowprofit 2025: €18,809 8 years View
  • Controlled by SOFABO 100% View
  • Board changedlatest change 01-09-2026 · 3 in office 1 joined · 1 left View

By topic

Financials

Financial year
2025
Turnover
€5.4m
Profit
€18,809
Solvency
55.5%
Turnover▼ 16.0%
Net result
20182025
Go to Financials

Board & ownership

Board
3 members
Parent
SOFABO · 100%
  • BOSQUIN OscarDirector
  • GESOFADirector
  • Maxime POULAINDirector
Go to Board & ownership

Timeline

Events
43
Since
1996
Next accounts
by 31-07-2027
  1. 31-12-2025Weakest financial year
  2. 28-08-2025Annual accounts filed
  3. 31-12-2024Highest result from 2018 to 2025
Go to Timeline

Company details

Sites
2
Legal form
Public limited company
Activity
Gambling and betting activitiesNACE 92000
Founded
14-04-1995
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
13
Who signs
Two directors jointly
Annual meeting
Third Tuesday of May at 13:00
Purpose
“L'exploitation de tous établissements de salle de jeux, de cafés, brasseries, hôtels…” (deed in French)
Go to Articles of association

Key facts about COVIFIL

What is the company number of COVIFIL?
0455.102.818. In Belgium the VAT number is the company number with BE in front: BE 0455.102.818.
Where is COVIFIL based?
The registered office is at Avenue du Parc 22, 4650 Herve.Company details
What does COVIFIL do?
According to the KBO register, the main activity is gambling and betting activities (NACE 92000).
What is the legal form of COVIFIL?
Public limited company (NV).
When was COVIFIL founded?
On 14-04-1995.
Is COVIFIL still active?
Yes, COVIFIL is an active enterprise in the KBO register.
How many employees does COVIFIL have?
On average 6.1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of COVIFIL?
€5.4m in financial year 2025, according to the filed annual accounts.
Is COVIFIL profitable?
In financial year 2025, COVIFIL made a profit of €18,809.
Where can I find the annual accounts of COVIFIL?
COVIFIL filed 31 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of COVIFIL due?
By 31-07-2027, for financial year 2026.Timeline

Companies related to COVIFIL

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How much credit can you give this customer, and on what payment terms?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check Which other companies belong to the same group?SOFABO · 14 companies How does this company compare with its sector?Sector benchmark

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