CMOSA
ActiveThe computed 12-month bankruptcy probability of CMOSA is 2.0% (moderate). The 2025 annual accounts show equity of €118k and a net result of €3k. Equity is growing by ~9.7% per year across the filed fiscal years. Its solvency ranks better than 48% of 27711 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability56▼-17
Solvency70▲+25
Growth52=
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 1.8 against 1.25 in 2024; short-term debt: 54.8% and cash: 15.3% of total assets), but 54.8% 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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
45.2%
Return on assets
1.3%
Age of the figures
9 mo
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 26-06-2026, 35 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
35 d early
2024
23 d late
2023
23 d early
2022
24 d late
2021
60 d late
2020
124 d early
2019
162 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€118k▲ 2.9%
2024 · €115k
2019: €31k
2020: €79k
2021: €87k
2022: €121k
2023: €97k
2024: €115k
2019 → 2025
Total assets
€262k▼ 53.6%
2024 · €564k
2019: €189k
2020: €247k
2021: €496k
2022: €305k
2023: €383k
2024: €564k
2019 → 2025
Net result
€3k▼ 81.6%
2024 · €18k
2019: €25k
2020: €47k
2021: €8k
2022: €34k
2023: €-24k
2024: €18k
2019 → 2025
Working capital
€114k▲ 3.8%
2024 · €110k
2019: €14k
2020: €72k
2021: €86k
2022: €124k
2023: €91k
2024: €110k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€87k-€121k▲ 38.9%€97k▼ 20.0%€115k▲ 19.0%€118k▲ 2.9%
Operating result€11k-€42k▲ 272%€-20k€22k€9k▼ 58.0%
Net result€8k-€34k▲ 309%€-24k€18k€3k▼ 81.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 58% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €262k
Fixed assets
€4k▼ 55.1%
Current assets
€258k▼ 53.5%
Equity and liabilities €262k
Equity
€118k▲ 2.9%
Debt
€144k▼ 68.0%
The debt ratio falls from 79.6% to 54.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€14k▼
2024 · €32k
Cash flow
€8k▼
2024 · €29k
Solvency
45.2%▲
2024 · 20.4%
Current ratio
1.80▲
2024 · 1.25
Quick ratio
1.73▲
2024 · 1.22
Debt / equity
1.21▼
2024 · 3.91
ROE
2.9%▼
2024 · 16.0%
ROA
1.3%▼
2024 · 3.3%
Interest coverage
4.27▼
2024 · 12.64
Debt
€144k▼
2024 · €449k
Debt ≤ 1 year
€144k▼
2024 · €445k
Income taxes
€3k▲
2024 · €1k
Staff costs
€107k▼
2024 · €171k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€564k€262k▼
Fixed assets21/28€9k€4k▼
Tangible fixed assets22/27€5k-
Furniture and vehicles24€5k-
Financial fixed assets28€4k€4k=
Current assets29/58€555k€258k▼
Stocks and contracts in progress3€12k€9k▼
Stocks30/36€12k€9k▼
Amounts receivable within one year40/41€381k€205k▼
Trade receivables40€375k€198k▼
Other amounts receivable41€6k€8k▲
Cash at bank and in hand54/58€157k€40k▼
Deferred charges and accrued income490/1€5k€3k▼
Equity and liabilities
Total equity and liabilities10/49€564k€262k▼
Equity10/15€115k€118k▲
Contributions10/11€6k€6k=
Reserves13€114k€112k▼
Distributable reserves133€114k€112k▼
Profit (loss) carried forward14€-6k-
Amounts payable17/49€449k€144k▼
Amounts payable after more than one year17€4k-
Financial debts170/4€4k-
Amounts payable within one year42/48€445k€144k▼
Current portion of amounts payable after more than one year42€11k€4k▼
Trade debts44€8k€112k▲
Suppliers440/4€8k€112k▲
Advances received on contracts in progress46€348k€17k▼
Taxes, remuneration and social security45€78k€11k▼
Taxes450/3€78k€7k▼
Remuneration and social security454/9€273€4k▲
Income statement
Code20242025
Remuneration, social security and pensions62€171k€107k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€5k▼
Other operating charges640/8€9k€8k▼
Gross operating margin9900€212k€129k▼
Operating profit (loss)9901€22k€9k▼
Financial income75/76B€21€39▲
Recurring financial income75€21€39▲
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€19k€6k▼
Income taxes67/77€1k€3k▲
Profit (loss) for the period9904€18k€3k▼
Profit (loss) for the period to be appropriated9905€18k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-6k€-2k▲
Profit (loss) brought forward from the previous period14P€-24k€-6k▲
Transfer from equity791/2-€2k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
26-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 23 days late
2024
31-12
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
31-12
Financial
Equity above €100kEq €115k ▲19%
Equity rises from €97k to €115k.
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-24k ▼171%
Net result drops to €-24k, the lowest in the series; recovery starts the following year.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
31-12
Financial
Equity above €100kEq €121k ▲38.9%
4 profitable years in a row build equity to €121k.
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 60 days late
2021
29-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2019net €47k ▲87.3%
Operating result €60k, net result €47k, both a record.
20-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Walcourt · 1 establishment unit since 2018
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.
Rue de Morialmé(Fra) 1135650 WalcourtGround area
384 m²
Building footprint
51 m²
Parcel 93024A0194/00V012, Wallonia. Linked by address, not a title deed.
1 establishment unit
CMOSA
since 20182.282.933.206
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 93024A0194/00V012 | Wallonia | 384 m² | 1 · 51 m² | - |
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.
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SCAGLITHERM
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Reniers Benjamin
BE 0730.994.374
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Goessens Thermique
BE 0778.622.265
Dison · Eq €118k
Of 7,042 companies in sector 43221 we hold annual accounts for 3,469. 3,039 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-12-2018
Fiscal year end31-12
Activities, NACEBEL
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
42219Civil engineering
43230Insulation installation
43291Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.