Payment terms
KOBI TECH pays its suppliers 17 days earlier than in 2025.
KOBI TECH pays its suppliers 17 days earlier than in 2025.
Short-term debts fell from €14,451 to €2,675.
Higher solvency than 93% of companies in specialised construction. Sector median 49.0% · 1,074 companies.
The dashed line is the sector median: 0.7% across 47,693 companies (NACE 43, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
The band follows from the bankruptcy probability. 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 43, micro). It does better than 90% of them on solvency, 61% on liquidity, 81% on profitability and 75% on growth.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-01-2026.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
In July 2024, 39,278 companies had the same profile as KOBI TECH has now. Each dot stands for 99 companies, two years later.
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of KOBI TECH itself: 1.3% within 12 months.
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for KOBI TECH. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Liquidity is ample, with a current ratio of 8.35 (1.86 in 2025), above the usual 1.5. Short-term debt is 9.2% and cash 10.6% of total assets. 9.2% of the assets are financed with debt and provisions.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
| Company | ||||
|---|---|---|---|---|
| KOBI TECH Denderleeuw | €28,966 | €16,292 | 90.8% | - |
| CONCEPT 7/24 Zaventem | €28,733 | €16,987 | 21.7% | - |
| XEKA-M Wezembeek-Oppem | €31,776 | €15,767 | 72.4% | - |
| GUYTECH DEPANNAGES Seraing | €29,562 | €15,726 | 57.2% | - |
| Kevin Van Nuenen Ravels | €27,820 | €15,040 | 58.1% | - |
| BCVS Schoten | €30,036 | €15,783 | 38.8% | - |
| OBMAT Merelbeke-Melle | €35,040 | €15,656 | 20.3% | - |
These companies have the same main activity as KOBI TECH: plumbing work (NACE 43221). They are comparable in size and age: total assets between €27,800 and €35,000, founded between 2022 and 2024.
KOBI TECH has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €26,292 and a net result of €6,189.
Its solvency ranks better than 93% of 1,074 sector peers (NACE 43, financial year 2026). The computed 12-month bankruptcy probability is 1.3% (low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €140,000. Estimated: probably between €100,000 and €300,000.
Higher than 54% of 35,136 companies in 2025.
Higher than 51% of 34,510 companies in 2025.
Higher than 92% of 34,711 companies in 2025.
| Line | Trend | 2026 | 2025 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
28,966 | 40,185 | |
21/28 |
6,632 | 13,262 | |
22/27 |
6,632 | 13,262 | |
24 |
6,632 | 13,262 | |
29/58 |
22,334 | 26,923 | |
40/41 |
19,263 | 26,523 | |
40 |
19,263 | 26,523 | |
54/58 |
3,072 | 401 | |
| Balance sheet: equity and liabilities | |||
10/49 |
28,966 | 40,185 | |
10/15 |
26,292 | 20,103 | |
10/11 |
3,552 | 3,552 | |
14 |
22,740 | 16,551 | |
17/49 |
2,675 | 20,082 | |
17 |
- | 5,631 | |
170/4 |
- | 5,631 | |
42/48 |
2,675 | 14,451 | |
44 |
930 | 10,200 | |
440/4 |
930 | 10,200 | |
45 |
1,745 | 4,251 | |
450/3 |
1,745 | 4,251 | |
| Income statement | |||
9900 |
16,292 | 27,836 | |
60/61 |
325,153 | 204,275 | |
630 |
6,630 | 6,630 | |
640/8 |
501 | 59 | |
9901 |
9,161 | 21,147 | |
65/66B |
1,227 | 346 | |
65 |
1,227 | 346 | |
9903 |
7,933 | 20,802 | |
67/77 |
1,745 | 4,251 | |
9904 |
6,189 | 16,551 | |
9905 |
6,189 | 16,551 | |
| Appropriation of the result | |||
9906 |
22,740 | 16,551 | |
14P |
16,551 | - | |
| Document | |||
The notes to these accounts have 4 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2026 at the NBB, filed on 10-09-2026.
2026 annual accounts filed 10 days after the deadline. Filed on 10 September 2026, deadline 31 August 2026 (7 months after the close on 31 January 2026, Companies Code art. 3:10). Source: NBB, 2026-00512742.
| Line | Trend | 2026 | 2025 |
|---|---|---|---|
| 15,790 | 27,777 | ||
| 12,819 | 23,181 | ||
| 0 | 19,892 | ||
| 2,671 | - | ||
| 19,660 | 12,473 | ||
| 90.8% | 50.0% | ||
| 8.35 | 1.86 | ||
| 0.10 | 1.00 | ||
| 23.5% | 82.3% | ||
| 21.4% | 41.2% | ||
| 12.87 | 80.34 | ||
| 1 day | 18 days |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
| Item | 31-01-2026 | 31-01-2025 |
|---|---|---|
| Tangible fixed assets | - | €19,892 |
| €6,630 | €6,630 |
Source: notes to the 2025 to 2026 annual accounts (statement of fixed assets)
The operating result for 2026 is 57% lower than in 2025.
Debt's share of the balance-sheet total falls from 50.0% to 9.2%. Equity is higher and debt is lower.
KOBI TECH has no parent and no holdings in its annual accounts. MIGLEI Constantin is the only director. KOBI TECH shares no director with another company.
| Bola Amba, (sole trader)
establishment since 01-03-2025 |
founded in 2025 1020.872.144 |
| COBI CONSTRUCT
registered office since 07-03-2019 |
founded in 2019 0721.959.320 |
Deadline for the 2027 accounts: 31-08-2027
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
On 15 September 2023, KOBI TECH was incorporated as a private limited company by one natural person, with a starting capital of €5,000.12 MIGLEI Constantin is sole director of the company, appointed by deed of 19-09-2023.2 The company has filed 2 sets of annual accounts, the latest for financial year 2026.3
| Establishment | Since | Unit number |
|---|---|---|
| Langestraat 169 registered office 9473 Denderleeuw | ||
| Strijdersstraat 42 1082 Berchem-Sainte-Agathe | 15-09-2023 | 2.350.370.574 |
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 21003A0350/00Y002 | Brussels | 5,860 m² | 1 · 528 m² | 14.1 m · 4 |
| 41076B0541/00R019 | Flanders | 899 m² | 1 · 582 m² | 12.7 m · 3 |
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0805.915.194
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