Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 5 % of short-term debt in 2025; threshold 65 %.
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Busy address KBO
11 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2025
COGAI from Charleroi, company number BE0448972715, closed financial year 2025 with a result of € -5,727 after tax. For that financial year COGAI recorded a gross margin of € -5,242 and equity of € 384,409. Compared with financial year 2024, the result moved from € -7,952 to € -5,727. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on July 9, 2026.
€ 384,409
▼ 1% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -5,727
▲ 28 % less loss than in 2024
Profit after tax over the fiscal year.
€ 3,798
▼ 60% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -810,167.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 2,577
▲ 3% vs 2024
Supplier invoices still open on the last day of the fiscal year.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € -8,473 | € -10,546 | € -7,480 | € -5,242 | ▲ € 2,238 |
| Profit after taxes | € -9,170 | € -11,015 | € -7,952 | € -5,727 | ▲ € 2,226 |
| Equity | € 409,102 | € 398,087 | € 390,135 | € 384,409 | ▼ 1% |
| Total debts | € 51,567 | € 64,638 | € 72,505 | € 72,577 | |
| Cash | € 7,481 | € 9,341 | € 9,452 | € 3,798 | ▼ 60% |
| Retained profit | € -785,474 | € -796,489 | € -804,441 | € -810,167 | ▼ € 5,727 |
| Balance sheet total | € 460,669 | € 462,725 | € 462,640 | € 456,986 | ▼ 1% |
Key figures of COGAI, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to COGAI?
What happened at COGAI in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 5,727. Source: NBB ↗
- Steve RADU became a director. NBB
- Gaétane D'HOERAENE became a director. NBB
- France DELBAUVE became a director. NBB
- Charles TESSE became a director. NBB
- New establishment in Charleroi. KBO
- Start of the company according to the CBE. KBO
In short
From € 9,170 loss in 2022 to € 5,727 loss in 2025.
Management
The stake of POINT DE MIRE DU BASSIN DE CHARLEROI comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
COGAIBehind COGAI are Charles TESSE, Steve RADU, Gaétane D'HOERAENE and France DELBAUVE. The shares are held by POINT DE MIRE DU BASSIN DE CHARLEROI (1%).
Directors
According to the 2025 annual accounts
Charles TESSE
Director
since 2017
since 2023
Gaétane D'HOERAENE
Director
Also active at: Centre hospitalier universitaire de Tivoli - Institut médical des Mutualités socialistes, Repos, Joie, Santé et Solidarité, Réseau Solidaris Centre, Charleroi et Soignies, Esenca asbl, LIAGES ASBL, Soralia Charleroi, SORALIA CENTRE ET SOIGNIES, Latitude Jeunes du Centre, Charleroi et Soignies +3 more
since 2023
France DELBAUVE
Chairman of the board
Also active at: Service laïque d'aide aux Justiciables de la Province de Hainaut, La Centrale de Services á Domicile du Brabant wallon - Réseau Solidaris, Soralia Wallonie picarde, POINT DE MIRE BRABANT WALLON - RESEAU SOLIDARIS, OPTIMUT
since 2023
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Avenue des Alliés 2
6000 Charleroi
Boulevard Zoé Drion 1
6000 Charleroi
Active since 4 May 1994
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 11 companies are registered at this address.
All companies at this address →Union des Mutualités Socialistes de Charleroi-Assurance libre
Les Femmes Prévoyantes Socialistes du Bassin de Charleroi
Union des Mutualités Socialistes de Charleroi-Assurance Obligatoire et Complémentaire
Réseau Solidaris Centre, Charleroi et Soignies same network
€ 300,000 revenue · 2025
Animation - Culture - Jeunesse, Maison de Jeunes de Charleroi et environs - La Broc
+6 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0448.972.715
- VAT number
- BE 0448.972.715
- Registered office
- Avenue des Alliés 2, 6000 Charleroi
- Names & denominations
- COGAI
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 18 December 1992
- Peppol
- Active · Active since 20 Nov 2020
- Activities · NACE
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