COSAMA
ActiveCOSAMA has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €241k and a net result of €55k. Equity is growing by ~34.4% per year across the filed fiscal years. Its solvency ranks better than 45% of 9417 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83=
Solvency74▲+5
Growth52=
Track record94
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 34.61 against 10.62 in 2024; short-term debt: 2.9% and cash: 2.2% of total assets), but 51.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 71
Relative position
BE, all sectors
reference
Sector 71
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
48.9%
Return on assets
11.2%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
on the day
2022
15 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€241k▲ 29.6%
2024 · €186k
2022: €72k
2023: €138k
2024: €186k
2022 → 2025
Total assets
€491k▲ 17.3%
2024 · €419k
2022: €99k
2023: €170k
2024: €419k
2022 → 2025
Net result
€55k▲ 14.7%
2024 · €48k
2022: €62k
2023: €66k
2024: €48k
2022 → 2025
Working capital
€476k▲ 25.5%
2024 · €379k
2022: €72k
2023: €138k
2024: €379k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€72k-€138k▲ 92.0%€186k▲ 34.7%€241k▲ 29.6%
Operating result€77k-€84k▲ 9.1%€68k▼ 19.4%€83k▲ 22.3%
Net result€62k-€66k▲ 7.6%€48k▼ 28.0%€55k▲ 14.7%
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 22% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €491k
Fixed assets
€1k▲ 145%
Current assets
€490k▲ 17.1%
Equity and liabilities €491k
Equity
€241k▲ 29.6%
Debt
€251k▲ 7.5%
The debt ratio falls from 55.7% to 51.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€84k▲
2024 · €68k
Cash flow
€55k▲
2024 · €48k
Solvency
48.9%▲
2024 · 44.3%
Current ratio
34.61▲
2024 · 10.62
Quick ratio
1.87▲
2024 · 0.79
Debt / equity
1.04▼
2024 · 1.26
ROE
22.8%▼
2024 · 25.8%
ROA
11.2%▼
2024 · 11.4%
Interest coverage
6.30▼
2024 · 9.35
Debt
€251k▲
2024 · €233k
Debt ≤ 1 year
€14k▼
2024 · €39k
Debt > 1 year
€236k▲
2024 · €194k
Income taxes
€15k▲
2024 · €13k
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€419k€491k▲
Fixed assets21/28€540€1k▲
Tangible fixed assets22/27€540€1k▲
Furniture and vehicles24€540€1k▲
Current assets29/58€419k€490k▲
Stocks and contracts in progress3€387k€464k▲
Stocks30/36€387k€464k▲
Amounts receivable within one year40/41€2k€14k▲
Trade receivables40€0€14k▲
Other amounts receivable41€2k€0▼
Cash at bank and in hand54/58€28k€11k▼
Deferred charges and accrued income490/1€897€2k▲
Equity and liabilities
Total equity and liabilities10/49€419k€491k▲
Equity10/15€186k€241k▲
Contributions10/11€10k€10k=
Reserves13€176k€231k▲
Non-distributable reserves130/1€1k€1k=
Reserves not available under the articles1311€1k€1k=
Distributable reserves133€175k€230k▲
Amounts payable17/49€233k€251k▲
Amounts payable after more than one year17€194k€236k▲
Financial debts170/4€194k€236k▲
Amounts payable within one year42/48€39k€14k▼
Trade debts44€25k€191▼
Suppliers440/4€25k€191▼
Taxes, remuneration and social security45€15k€12k▼
Taxes450/3€12k€10k▼
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48-€2k
Accrued charges and deferred income492/3-€749
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€54€420▲
Other operating charges640/8€507€1k▲
Gross operating margin9900€69k€85k▲
Operating profit (loss)9901€68k€83k▲
Financial charges65/66B€7k€13k▲
Recurring financial charges65€7k€13k▲
Profit (loss) for the period before taxes9903€61k€70k▲
Income taxes67/77€13k€15k▲
Profit (loss) for the period9904€48k€55k▲
Profit (loss) for the period to be appropriated9905€48k€55k▲
Appropriation of the result
Profit (loss) to be appropriated9906€48k€55k▲
Profit (loss) brought forward from the previous period14P€0-
Transfer to equity691/2€48k€55k▲
To other reserves6921€48k€55k▲
The notes to these accounts (13 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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Liquidity triplescurrent ratio 34.61
Current ratio from 10.62 to 34.61; short-term debt falls from €39k to €14k.
30-06
Financial
Equity above €200kEq €241k ▲29.6%
4 profitable years in a row build equity to €241k.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet €48k ▼28%
Net result drops to €48k, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity doublescurrent ratio 10.62
Current ratio from 5.29 to 10.62.
30-06
Financial
Equity above €150kEq €186k ▲34.7%
3 profitable years in a row build equity to €186k.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Highest result since 2022net €66k ▲7.6%
Operating result €84k, net result €66k, both a record.
30-06
Financial
Equity above €100kEq €138k ▲92%
2 profitable years in a row build equity to €138k.
16-01
NBB filing
Annual accounts filed
fiscal year 2022 · 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, Merelbeke-Melle · 1 establishment unit since 2021
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.
Brusselsesteenweg 489B9090 Merelbeke-MelleGround area
2,916 m²
Building footprint
2,916 m²
Volume, LiDAR
21,354 m³
Parcel 44040D0081/00R000, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
COSAMA
since 20212.321.729.642
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44040D0081/00R000 | Flanders | 2,916 m² | 1 · 2,916 m² | 8.5 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
Ante Architecten
BE 0893.536.977
Sint-Niklaas · Eq €241k
Johan Anrys Architect
BE 0803.562.450
Leuven · Eq €240k
EB-A
BE 0861.660.601
Overijse · Eq €241k
Virens
BE 0700.957.137
Schoten · Eq €241k
ENERMICO
BE 0655.718.911
Balen · Eq €240k
Of 18,254 companies in sector 71111 we hold annual accounts for 6,321. 4,943 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-09-2021
Fiscal year end30-06
Activities, NACEBEL
71111Activities of building architects
64200Holdings
64210Activities of holding companies
68310Real estate agency activities
68311Real estate activities
68321Property management for co-owned buildings (syndics)
70100Activities of head offices
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.