KOBOFISC
ActiveSummary
KOBOFISC has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €425,838 and a net result of €124,213. Equity is growing by ~17.7% per year across the filed fiscal years. Its solvency ranks better than 85% of 12829 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+6
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40,000 at 30 days acceptable
Liquidity ample (current ratio 5.83 against 10.56 in 2024; short-term debt: 13.4% and cash: 46.2% of total assets), and 13.4% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% 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
86.6%
Return on assets
25.2%
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
24 d early
2023
6 d early
2022
33 d early
2021
2 d early
2020
32 d early
2019
35 d early
← 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 19 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% 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 26 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€425,838▼ 16.1%
2024 · €507,461
Total assets
€491,960▼ 10.2%
2024 · €547,631
Net result
€124,213▲ 11.6%
2024 · €111,272
Working capital
€319,145▼ 16.6%
2024 · €382,662
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€113,842▲ 6.8%€130,076▲ 14.3%€157,816▲ 21.3%€157,259▼ 0.4%€174,842▲ 11.2%
Net result€88,124above the sector's middle half▲ 14.4%€92,364above the sector's middle half▲ 4.8%€113,414above the sector's middle half▲ 22.8%€111,272above the sector's middle half▼ 1.9%€124,213above the sector's middle half▲ 11.6%
Equity€298,032above the sector's middle half▲ 17.8%€365,960above the sector's middle half▲ 22.8%€447,870above the sector's middle half▲ 22.4%€507,461above the sector's middle half▲ 13.3%€425,838above the sector's middle half▼ 16.1%
Total assets€357,665within the sector's middle half▲ 22.7%€405,654within the sector's middle half▲ 13.4%€498,145above the sector's middle half▲ 22.8%€547,631above the sector's middle half▲ 9.9%€491,960above the sector's middle half▼ 10.2%
Debt€59,633▲ 55.3%€39,694▼ 33.4%€50,275▲ 26.7%€40,170▼ 20.1%€66,122▲ 64.6%
Working capital€205,606above the sector's middle half▼ 17.9%€215,301above the sector's middle half▲ 4.7%€307,462above the sector's middle half▲ 42.8%€382,662above the sector's middle half▲ 24.5%€319,145above the sector's middle half▼ 16.6%
Solvency83.3%above the sector's middle half▼ 3.5pp90.2%above the sector's middle half▲ 6.9pp89.9%above the sector's middle half▼ 0.3pp92.7%above the sector's middle half▲ 2.8pp86.6%above the sector's middle half▼ 6.1pp
Current ratio4.45within the sector's middle half▼ 3.226.44above the sector's middle half▲ 1.987.12above the sector's middle half▲ 0.6810.56above the sector's middle half▲ 3.445.83above the sector's middle half▼ 4.73
Return on assets (ROA)24.6%within the sector's middle half▼ 1.8pp22.8%within the sector's middle half▼ 1.9pp22.8%within the sector's middle half=20.3%within the sector's middle half▼ 2.4pp25.2%within the sector's middle half▲ 4.9pp
Staff (FTE)1.4=1.3▼ 7.1%1.6▲ 23.1%1.5▼ 6.3%1.6▲ 6.7%
above
within
below
the middle half (P25 to P75) of NACE 69, Legal and accounting 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 recovers in 2025; 2025 is 11% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €491,960
Fixed assets
€106,694 ▼ 14.6%
Current assets
€385,266 ▼ 8.9%
Equity and liabilities €491,960
Equity
€425,838 ▼ 16.1%
Debt
€66,122 ▲ 64.6%
Debt's share of the balance-sheet total rises from 7.3% to 13.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€199,042▲
2024 · €180,740
Cash flow
€148,413▲
2024 · €134,752
Debt to equity
0.16▲
2024 · 0.08
ROE
29.2%▲
2024 · 21.9%
Interest coverage
-413.45▼
2024 · 108.64
Debt ≤ 1 year
€66,122▲
2024 · €40,035
Income taxes
€52,714▲
2024 · €46,470
Staff costs
€83,312▲
2024 · €79,182
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,696 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.7%
went bankrupt
3.9%
stopped otherwise
95%
still going
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 497,338 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% | 1.9% |
| 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 34,696 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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €66,337 | €64,420 | €77,725 | €79,182 | €83,312 | ▲ 5.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,207 | €14,340 | €22,793 | €23,480 | €24,200 | ▲ 3.1% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | -€255 | - | -€297 | €1,267 | - | - |
| Other operating charges640/8 | €808 | €1,096 | €1,183 | €965 | €1,047 | ▲ 8.5% |
| Gross operating margin9900 | €183,939 | €209,931 | €259,221 | €262,154 | €283,402 | ▲ 8.1% |
| Operating profit (loss)9901 | €113,842 | €130,076 | €157,816 | €157,259 | €174,842 | ▲ 11.2% |
| Financial income75/76B | €434 | €233 | €3,471 | €2,146 | €1,604 | ▼ 25.2% |
| Recurring financial income75 | €434 | €233 | €171 | €2,146 | €1,604 | ▼ 25.2% |
| Non-recurring financial income76B | - | - | €3,300 | - | - | - |
| Financial charges65/66B | €204 | €127 | €634 | €1,664 | -€481 | ▼ 129% |
| Recurring financial charges65 | €204 | €127 | €473 | €1,664 | -€481 | ▼ 129% |
| Non-recurring financial charges66B | - | - | €161 | - | - | - |
| Profit (loss) for the period before taxes9903 | €114,072 | €130,181 | €160,653 | €157,741 | €176,927 | ▲ 12.2% |
| Income taxes67/77 | €25,947 | €37,818 | €47,239 | €46,470 | €52,714 | ▲ 13.4% |
| Profit (loss) for the period9904 | €88,124 | €92,364 | €113,414 | €111,272 | €124,213 | ▲ 11.6% |
| Profit (loss) for the period to be appropriated9905 | €88,124 | €92,364 | €113,414 | €111,272 | €124,213 | ▲ 11.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €357,665 | €405,654 | €498,145 | €547,631 | €491,960 | ▼ 10.2% |
| Fixed assets21/28 | €92,513 | €150,756 | €140,436 | €124,934 | €106,694 | ▼ 14.6% |
| Tangible fixed assets22/27 | €92,508 | €150,751 | €140,431 | €124,929 | €106,689 | ▼ 14.6% |
| Plant, machinery and equipment23 | €303 | €1,549 | €1,862 | €3,369 | €2,471 | ▼ 26.7% |
| Furniture and vehicles24 | €4,577 | €58,905 | €54,420 | €43,558 | €32,363 | ▼ 25.7% |
| Other tangible fixed assets26 | €87,628 | €90,297 | €84,150 | €78,002 | €71,855 | ▼ 7.9% |
| Financial fixed assets28 | €5 | €5 | €5 | €5 | €5 | = |
| Current assets29/58 | €265,151 | €254,898 | €357,709 | €422,697 | €385,266 | ▼ 8.9% |
| Amounts receivable after more than one year29 | €10,500 | €10,500 | €95,500 | €95,500 | - | - |
| Other amounts receivable291 | €10,500 | €10,500 | €95,500 | €95,500 | - | - |
| Amounts receivable within one year40/41 | €50,861 | €68,030 | €68,678 | €72,718 | €77,272 | ▲ 6.3% |
| Trade receivables40 | €50,798 | €67,976 | €68,678 | €67,807 | €76,991 | ▲ 13.5% |
| Other amounts receivable41 | €63 | €54 | - | €4,911 | €281 | ▼ 94.3% |
| Current investments50/53 | - | - | - | €124,291 | €75,000 | ▼ 39.7% |
| Cash at bank and in hand54/58 | €198,526 | €168,895 | €186,316 | €118,057 | €227,518 | ▲ 92.7% |
| Deferred charges and accrued income490/1 | €5,264 | €7,473 | €7,216 | €12,131 | €5,476 | ▼ 54.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €357,665 | €405,654 | €498,145 | €547,631 | €491,960 | ▼ 10.2% |
| Equity10/15 | €298,032 | €365,960 | €447,870 | €507,461 | €425,838 | ▼ 16.1% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €291,124 | €359,760 | €441,670 | €501,261 | €419,638 | ▼ 16.3% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | - | - | - | - |
| Distributable reserves133 | €289,264 | €357,900 | €441,670 | €501,261 | €419,638 | ▼ 16.3% |
| Profit (loss) carried forward14 | €707 | - | - | - | - | - |
| Amounts payable17/49 | €59,633 | €39,694 | €50,275 | €40,170 | €66,122 | ▲ 64.6% |
| Amounts payable within one year42/48 | €59,545 | €39,596 | €50,248 | €40,035 | €66,122 | ▲ 65.2% |
| Trade debts44 | €16,437 | €2,203 | €1,785 | €4,488 | €8,019 | ▲ 78.7% |
| Suppliers440/4 | €16,437 | €2,203 | €1,785 | €4,488 | €8,019 | ▲ 78.7% |
| Taxes, remuneration and social security45 | €34,956 | €29,177 | €41,583 | €28,220 | €50,801 | ▲ 80.0% |
| Taxes450/3 | €24,994 | €19,488 | €26,993 | €16,725 | €38,486 | ▲ 130% |
| Remuneration and social security454/9 | €9,962 | €9,689 | €14,590 | €11,495 | €12,316 | ▲ 7.1% |
| Other amounts payable47/48 | €8,152 | €8,216 | €6,880 | €7,327 | €7,301 | ▼ 0.4% |
| Accrued charges and deferred income492/3 | €88 | €97 | €27 | €135 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €88,124 | €92,364 | €113,414 | €111,272 | €124,213 | ▲ 11.6% |
| + Depreciation and write-downs630 | €3,207 | €14,340 | €22,793 | €23,480 | €24,200 | ▲ 3.1% |
| Operating cash flow (approximation) | €91,331 | €106,703 | €136,207 | €134,752 | €148,413 | ▲ 10.1% |
| Investment in fixed assets (approximation) | - | -€72,582 | -€12,473 | -€7,978 | -€5,960 | ▲ 25.3% |
| Change in cash | - | -€29,632 | €17,421 | -€68,259 | €109,461 | ▲ 260% |
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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €124,213 ▲11.6%
Operating result €174,842, net result €124,213, both a record.
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €500,000Eq €507,461 ▲13.3%
7 profitable years in a row build equity to €507,461.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €200,000Eq €253,044 ▲38.4%
3 profitable years in a row build equity to €253,044.
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €150,000Eq €182,814 ▲32.2%
2 profitable years in a row build equity to €182,814.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
11-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Stekene · 1 establishment unit since 2012
Ground area
3,374 m²
Building footprint
546 m²
Volume, LiDAR
2,774 m³
Parcel 46011B0572/00F000, Flanders · tallest building 10.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
KOBOFISC
since 20122.207.523.426
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46011B0572/00F000 | Flanders | 3,374 m² | 1 · 546 m² | 10.6 m · 1 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 4,489 EUR awarded · 4,459 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,497 EUR | 1,467 EUR |
| 2024 | 1 | 1,139 EUR | 1,139 EUR |
| 2023 | 1 | 948 EUR | 948 EUR |
| 2022 | 1 | 905 EUR | 905 EUR |
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Of 12,174 companies in sector 69201 we hold annual accounts for 7,641. 5,693 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
Founded09-03-2012
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
E-invoicing
Reachable via Peppol
Peppol ID
0208:0844287703
Also
9925:BE0844287703
Registered
31-08-2023
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.