Cosame
ActiveSummary
Cosame has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.27M and a net result of €311k. Equity is growing by ~25.3% per year across the filed fiscal years. Its solvency ranks better than 92% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▼-24
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €170k at 30 days acceptable
Liquidity ample (current ratio 1.92 against 2.32 in 2024; short-term debt: 6.2% and cash: 0.5% of total assets), and 6.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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
93.8%
Return on assets
12.9%
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 04-06-2026, 57 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
57 d early
2024
35 d early
2023
48 d early
2022
60 d early
2021
59 d early
2020
58 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2.27M▲ 30.9%
2024 · €1.73M
2020: €768k
2021: €860k
2022: €1.08M
2023: €1.47M
2024: €1.73M
2020 → 2025
Total assets
€2.42M▲ 15.6%
2024 · €2.09M
2020: €1.68M
2021: €1.62M
2022: €1.77M
2023: €2.02M
2024: €2.09M
2020 → 2025
Net result
€311k▼ 34.4%
2024 · €474k
2020: €368k
2021: €91k
2022: €218k
2023: €398k
2024: €474k
2020 → 2025
Working capital
€138k▼ 50.2%
2024 · €277k
2020: €74k
2021: €16k
2022: €3k
2023: €171k
2024: €277k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€860k-€1.08M▲ 25.3%€1.47M▲ 36.9%€1.73M▲ 17.4%€2.27M▲ 30.9%
Operating result€-2k-€4k€7k▲ 100%€-3k€3k
Net result€91k-€218k▲ 139%€398k▲ 82.6%€474k▲ 19.1%€311k▼ 34.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €3k after a loss of €3k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.42M
Fixed assets
€2.13M ▲ 32.7%
Current assets
€288k ▼ 40.9%
Equity and liabilities €2.42M
Equity
€2.27M ▲ 30.9%
Debt
€150k ▼ 58.3%
Debt's share of the balance-sheet total falls from 17.2% to 6.2%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
1.92▼
2024 · 2.32
Debt to equity
0.07▼
2024 · 0.21
ROE
13.7%▼
2024 · 27.4%
ROA
12.9%▼
2024 · 22.7%
Debt ≤ 1 year
€150k▼
2024 · €210k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.09M€2.42M▲
Fixed assets21/28€1.60M€2.13M▲
Financial fixed assets28€1.60M€2.13M▲
Current assets29/58€487k€288k▼
Amounts receivable within one year40/41€481k€275k▼
Other amounts receivable41€481k€275k▼
Cash at bank and in hand54/58€6k€13k▲
Equity and liabilities
Total equity and liabilities10/49€2.09M€2.42M▲
Equity10/15€1.73M€2.27M▲
Contributions10/11€341k€341k=
Revaluation surpluses12-€525k
Reserves13€1.39M€1.40M▲
Distributable reserves133€1.39M€1.40M▲
Amounts payable17/49€360k€150k▼
Amounts payable after more than one year17€150k-
Financial debts170/4€150k-
Amounts payable within one year42/48€210k€150k▼
Current portion of amounts payable after more than one year42€150k€150k=
Trade debts44€2k-
Suppliers440/4€2k-
Taxes, remuneration and social security45€48k€140▼
Taxes450/3€48k€140▼
Other amounts payable47/48€10k-
Income statement
Code20242025
Other operating charges640/8€141€344▲
Gross operating margin9900€-3k€4k▲
Operating profit (loss)9901€-3k€3k▲
Financial income75/76B€480k€310k▼
Recurring financial income75€480k€310k▼
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€474k€311k▼
Profit (loss) for the period9904€474k€311k▼
Profit (loss) for the period to be appropriated9905€474k€311k▼
Appropriation of the result
Profit (loss) to be appropriated9906€474k€311k▼
Transfer from equity791/2€159k-
Transfer to equity691/2€474k€11k▼
To the legal reserve6920€474k€11k▼
Profit to be distributed694/7€159k€300k▲
Return on contributions (dividend)694€159k€300k▲
The notes to these accounts (4 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
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €2MEq €2.27M ▲30.9%
6 profitable years in a row build equity to €2.27M.
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2020net €474k ▲19.1%
Net result €474k, the highest in the series.
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
01-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €1MEq €1.08M ▲25.3%
3 profitable years in a row build equity to €1.08M.
02-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €91k ▼75.3%
Net result drops to €91k, the lowest in the series; recovery starts the following year.
03-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Erpe-Mere · 1 establishment unit since 2019
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.
Oudenaardsesteenweg 3129420 Erpe-MereGround area
2,855 m²
Parcel 41006A0369/00E000, Flanders. Linked by address, not a title deed.
1 establishment unit
Cosame
since 20192.295.305.456
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41006A0369/00E000 | Flanders | 2,855 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.
Similar companies · same sector, comparable size
CONSULTANT PARTNERS
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MILLUX
BE 0502.586.296
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GUY SERU
BE 0738.675.883
Veurne · Eq €2,265,947
MOVO
BE 0473.914.284
Nieuwpoort · Eq €2,267,057
JELINCO
BE 0457.919.776
Hasselt · Eq €2,265,799
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 18,751 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-10-2019
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.