COBID
ActiveCOBID has been active since 1974 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €6.13M and a net result of €245k. Equity is growing by ~3.9% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
78
/ 100
Excellent▼ -4 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability20▼-37
Solvency100=
Growth58=
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €480k at 30 days acceptable
balance sheet total too small for a liquidity verdict, and 0.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
99.7%
Return on assets
4%
Age of the figures
20 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-06-2025, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
51 d early
2023
50 d early
2022
54 d early
2021
52 d early
2020
51 d early
2019
53 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€245k▼ 63.7%
2023 · €675k
2018: €183k
2019: €320k
2020: €350k
2021: €349k
2022: €20.31M
2023: €675k
2018 → 2024
Working capital
€6.13M▲ 4.2%
2023 · €5.88M
2018: €185k
2019: €505k
2020: €855k
2021: €-11.98M
2022: €27.07M
2023: €5.88M
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€8.89M-€9.24M▲ 3.9%€27.07M▲ 193%€5.88M▼ 78.3%€6.13M▲ 4.2%
Operating result€-3k-€-5k▼ 62.0%€-6k▼ 4.0%€-37k▼ 563%€-5k▲ 87.4%
Net result€350k-€349k▼ 0.1%€20.31M▲ 5,711%€675k▼ 96.7%€245k▼ 63.7%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €5k in 2024 against €37k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €6.14M
Equity
€6.13M▲ 4.2%
Debt
€19k▲ 1.3%
The debt ratio stays at 0.3%.
Key figures and ratios
Solvency
99.7%=
2023 · 99.7%
Debt / equity
0.00▼
2023 · 0.00
ROE
4.0%▼
2023 · 11.5%
ROA
4.0%▼
2023 · 11.4%
Debt
€19k▲
2023 · €19k
Debt ≤ 1 year
€19k▲
2023 · €19k
A ratio outside any meaningful range has been withheld (balance sheet total €6.14M, equity €6.13M).
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€5.90M€6.14M▲
Current assets29/58€5.90M€6.14M▲
Amounts receivable within one year40/41€5.89M€6.14M▲
Other amounts receivable41€5.89M€6.14M▲
Cash at bank and in hand54/58€10k€6k▼
Equity and liabilities
Total equity and liabilities10/49€5.90M€6.14M▲
Equity10/15€5.88M€6.13M▲
Contributions10/11€1.07M€1.07M=
Capital10€972k€972k=
Issued capital100€972k€972k=
Outside capital11€95k€95k=
Share premium1100/10€95k€95k=
Reserves13€4.31M€4.31M=
Non-distributable reserves130/1€157k€157k=
Legal reserve130€157k€157k=
Tax-exempt reserves132€3.98M€3.98M=
Distributable reserves133€171k€171k=
Profit (loss) carried forward14€504k€749k▲
Amounts payable17/49€19k€19k▲
Amounts payable within one year42/48€19k€19k▲
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Other amounts payable47/48€16k€16k=
Income statement
Code20232024
Goods, raw materials, services and sundry goods60/61€36k€4k▼
Other operating charges640/8€960€968▲
Gross operating margin9900€-36k€-4k▲
Operating profit (loss)9901€-37k€-5k▲
Financial income75/76B€712k€250k▼
Recurring financial income75€712k€250k▼
Profit (loss) for the period before taxes9903€675k€245k▼
Profit (loss) for the period9904€675k€245k▼
Profit (loss) for the period to be appropriated9905€675k€245k▼
Appropriation of the result
Profit (loss) to be appropriated9906€22.37M€749k▼
Profit (loss) brought forward from the previous period14P€21.69M€504k▼
Profit to be distributed694/7€21.86M-
Return on contributions (dividend)694€21.86M-
Timeline · acts, filings and financial milestones
2025
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
11-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
07-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Highest result since 2018net €20.31M ▲5711%
Net result €20.31M, the highest in the series.
31-12
Financial
Liquidity times 15695current ratio 1453.56
Current ratio from 0.09 to 1453.56; short-term debt falls from €13.21M to €19k.
31-12
Financial
Equity above €25MEq €27.07M ▲193%
5 profitable years in a row build equity to €27.07M.
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
10-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
08-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Liquidity triplescurrent ratio 28.46
Current ratio from 11.06 to 28.46; short-term debt falls from €18k to €18k.
05-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
07-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
07-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
08-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2026
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
06-02-2026
Xavier de Walque: Resigned as Director
18-06-2019
Laurent Josi Jean-Marie: Resigned as Director
12-06-2017
Xavier de Walque: Resigned as Director
12-06-2017
Diane Verhaegen: Resigned as Director
10-02-2015
Chantal Barras: Resigned as Director
Location & real-estate footprint
Registered office, Brussel · 1 establishment unit since 1974
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Kanselarijstraat 21000 BrusselGround area
3,406 m²
Building footprint
3,354 m²
Volume, LiDAR
88,937 m³
Parcel 21804D1424/00E002, Brussels · tallest building 35.3 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
EUROPEAN INVESTMENTS
since 19742.078.741.573
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21804D1424/00E002 | Brussels | 3,406 m² | 1 · 3,354 m² | 35.3 m · 9 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded26-08-1974
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 48 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.