COS312
ActiveCOS312 has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €176k and a net result of €114k. Equity is growing by ~82.1% per year across the filed fiscal years. Its solvency ranks better than 62% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency92▲+11
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 3.05 against 2.28 in 2024; short-term debt: 32.6% and cash: 99.5% of total assets), and 32.6% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
67.4%
Return on assets
43.4%
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 01-07-2026, 30 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
30 d early
2024
107 d early
2023
49 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€176k▲ 84.7%
2024 · €95k
2023: €20k
2024: €95k
2023 → 2025
Total assets
€261k▲ 54.8%
2024 · €169k
2023: €120k
2024: €169k
2023 → 2025
Net result
€114k▲ 16.8%
2024 · €97k
2023: €73k
2024: €97k
2023 → 2025
Working capital
€175k▲ 85.6%
2024 · €94k
2023: €18k
2024: €94k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€20k-€95k▲ 387%€176k▲ 84.7%
Operating result€96k-€128k▲ 34.2%€153k▲ 19.3%
Net result€73k-€97k▲ 32.7%€114k▲ 16.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 19% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €261k
Fixed assets
€1k▲ 8.2%
Current assets
€260k▲ 55.2%
Equity and liabilities €261k
Equity
€176k▲ 84.7%
Debt
€85k▲ 16.1%
The debt ratio falls from 43.5% to 32.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€154k▲
2024 · €131k
Cash flow
€114k▲
2024 · €100k
Solvency
67.4%▲
2024 · 56.5%
Current ratio
3.05▲
2024 · 2.28
Quick ratio
3.05▲
2024 · 2.28
Debt / equity
0.48▼
2024 · 0.77
ROE
64.5%▼
2024 · 102.0%
ROA
43.4%▼
2024 · 57.6%
Interest coverage
29.72▼
2024 · 39.19
Debt
€85k▲
2024 · €73k
Debt ≤ 1 year
€85k▲
2024 · €73k
Income taxes
€34k▲
2024 · €28k
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€169k€261k▲
Fixed assets21/28€1k€1k▲
Tangible fixed assets22/27€1k€1k▲
Furniture and vehicles24€1k€1k▲
Current assets29/58€168k€260k▲
Amounts receivable within one year40/41€33k€0▼
Trade receivables40€33k€0▼
Other amounts receivable41€0-
Cash at bank and in hand54/58€132k€260k▲
Deferred charges and accrued income490/1€2k€0▼
Equity and liabilities
Total equity and liabilities10/49€169k€261k▲
Equity10/15€95k€176k▲
Contributions10/11€6k€6k=
Reserves13€14k€14k=
Distributable reserves133€14k€14k=
Profit (loss) carried forward14€76k€156k▲
Amounts payable17/49€73k€85k▲
Amounts payable within one year42/48€73k€85k▲
Trade debts44€14k€6k▼
Suppliers440/4€14k€6k▼
Taxes, remuneration and social security45€37k€45k▲
Taxes450/3€37k€45k▲
Remuneration and social security454/9€0€546▲
Other amounts payable47/48€22k€34k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€749▼
Other operating charges640/8€663€1k▲
Gross operating margin9900€131k€155k▲
Operating profit (loss)9901€128k€153k▲
Financial charges65/66B€3k€5k▲
Recurring financial charges65€3k€5k▲
Profit (loss) for the period before taxes9903€125k€148k▲
Income taxes67/77€28k€34k▲
Profit (loss) for the period9904€97k€114k▲
Profit (loss) for the period to be appropriated9905€97k€114k▲
Appropriation of the result
Profit (loss) to be appropriated9906€97k€189k▲
Profit (loss) brought forward from the previous period14P-€76k
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7€21k€33k▲
Return on contributions (dividend)694€21k€33k▲
The notes to these accounts (6 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €114k ▲16.8%
Operating result €153k, net result €114k, both a record.
31-12
Financial
Equity above €150kEq €176k ▲84.7%
3 profitable years in a row build equity to €176k.
15-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
12-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Fontaine-l'Evêque · 1 establishment unit since 2023
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 la Forêt(LEE) 156142 Fontaine-l'EvêqueGround area
575 m²
Building footprint
121 m²
Volume, LiDAR
649 m³
Parcel 52038A0142/00V000, Wallonia · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
COS312
since 20232.340.980.875
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52038A0142/00V000 | Wallonia | 575 m² | 1 · 121 m² | 7.5 m · 2 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.
Similar companies · same sector, comparable size
DEGICON
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CLEAN CONCEPT
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DW Audit en Consult
BE 0899.438.042
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Studio Max
BE 0780.740.231
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STRATHINK
BE 0759.566.913
Oudergem · Eq €176k
Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 40,635 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-01-2023
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
46190Agents in non-specialised wholesale trade
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.