Equity
€20,742 ▲ 37.2%
COSEDA RENOVATION has made a profit in every financial year since 2023.
COSEDA RENOVATION
Lifetime
3 annual accounts with figures on one time axispeak €28,000 (2025)
€28,000▲ 3.2%
peak €9,812 (2024)
€5,627▼ 42.7%
peak €20,742 (2025)
€20,742▲ 37.2%
€27,321▼ 33.3%
Board1 name since 2022
1 directorOBREJA Constantin
Documentsfilings and deeds
31-07-2026on the last day
2025micro format
Result from €9,812 to €5,627Equity from €15,115 to €20,742Debts from €40,951 to €27,321Cash from €11,841 to €2,657
Key points
from the 2025 annual accountsChecked score
56
Fair
Financially stronger than 57% of micro companies in specialised construction (NACE 43)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
1.6% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,693 companies (NACE 43, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.1%lowest value
01-2025: 1.1%● unchanged vs 12-2024
02-2025: 1.1%● unchanged vs 01-2025
03-2025: 1.1%● unchanged vs 02-2025
04-2025: 1.1%● unchanged vs 03-2025
05-2025: 1.2%▲ +0.1 percentage points vs 04-2025
06-2025: 1.2%● unchanged vs 05-2025
07-2025: 1.2%● unchanged vs 06-2025
08-2025: 1.8%▲ +0.6 percentage points vs 07-2025
09-2025: 1.2%▼ -0.6 percentage points vs 08-2025
10-2025: 1.2%● unchanged vs 09-2025
11-2025: 1.2%● unchanged vs 10-2025
12-2025: 1.2%● unchanged vs 11-2025
01-2026: 1.2%● unchanged vs 12-2025
02-2026: 1.2%● unchanged vs 01-2026
03-2026: 1.2%● unchanged vs 02-2026
04-2026: 1.3%▲ +0.1 percentage points vs 03-2026
05-2026: 1.3%● unchanged vs 04-2026
06-2026: 1.3%● unchanged vs 05-2026
07-2026: 1.3%● unchanged vs 06-2026
08-2026: 2.0%▲ +0.7 percentage points vs 07-2026highest value
09-2026: 1.6%▼ -0.4 percentage points vs 08-2026
10-2026: 1.6%● unchanged vs 09-2026
11-2026: 1.6%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Founded in 2022
Size: total assets €48,063
Sector: Specialised construction activities (NACE 43)
lowers risk
Figures for financial year 2025 (filed on 31-07-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 46% of them on solvency, 37% on liquidity, 66% on profitability and 78% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as COSEDA RENOVATION has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of COSEDA RENOVATION itself: 1.6% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for COSEDA RENOVATION. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €1,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.29 (2.64 in 2024), above the usual 1.5. Short-term debt is 26.9% and cash 5.5% of total assets. However, 56.8% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 31-07-2026, 0 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
on the day
2024
19 days late
2023
7 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 9 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 8 August (3 of the last 3 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0795180759
Incorporation
Founding capital of €2,500, 100 shares · Founder: OBREJA Constantin (comparant) · Appointment: OBREJA Constantin (director) · published on 23-12-2022 · Gazette deed
First establishment
Sterrenlaan 11, Hoeilaart
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| COSEDA RENOVATION Hoeilaart | €48,063 | €28,000 | 43.2% | - |
| NECTEB COMPANY Beersel | €45,441 | €29,418 | 77.6% | - |
| MARCLABEL Sint-Pieters-Leeuw | €44,111 | €27,730 | 62.1% | - |
| SB Jobs Leuven | €49,956 | €23,308 | 62.0% | - |
| PHILIP EYKENS Diest | €38,677 | €29,085 | -15.4% | - |
| NB FACADE Wezembeek-Oppem | €39,106 | €30,653 | 45.8% | - |
| REVITA CONCEPT Sint-Genesius-Rode | €50,486 | €22,802 | 61.8% | - |
These companies have the same main activity as COSEDA RENOVATION: other specialised construction activities (NACE 43990). They are comparable in size and age: total assets between €38,700 and €50,500, founded between 2022 and 2023.
Official details
Source: KBO- Status
- Active since 21-12-2022Normal situation
- Activity
- Other specialised construction activitiesNACE 43990and 5 others
- Establishment unit
- 2.340.116.2881560 Hoeilaart, since 21-12-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 23-12-2025
Annual accounts 2025
- €48,063▼ 14.3%
- Filing
- Filed on 31-07-2026, on the last day of the filing period
Insights on COSEDA RENOVATION
COSEDA RENOVATION files the micro format. That format states no turnover. The gross margin rose from €12,596 in 2023 to €28,000 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about COSEDA RENOVATION
- What is the company number of COSEDA RENOVATION?
- The company number of COSEDA RENOVATION is 0795.180.759. The VAT number is the same number with BE in front: BE 0795.180.759.
- Where is COSEDA RENOVATION based?
- The registered office is at Sterrenlaan 11, 1560 Hoeilaart.Company details
- What does COSEDA RENOVATION do?
- According to the KBO register, the main activity is other specialised construction activities (NACE 43990).
- What is the legal form of COSEDA RENOVATION?
- COSEDA RENOVATION is a private limited company (BV).
- When was COSEDA RENOVATION founded?
- COSEDA RENOVATION was founded on 21-12-2022.
- Is COSEDA RENOVATION still active?
- Yes, COSEDA RENOVATION is an active enterprise in the KBO register.
- What is the turnover of COSEDA RENOVATION?
- The turnover in financial year 2025 is ≈ €240,000. This figure is estimated from the gross margin of €28,000 and 94 comparable companies (NACE 43990). It probably lies between €160,000 and €430,000.Financials
- Is COSEDA RENOVATION profitable?
- In financial year 2025, COSEDA RENOVATION made a profit of €5,627.
- Where can I find the annual accounts of COSEDA RENOVATION?
- COSEDA RENOVATION filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of COSEDA RENOVATION due?
- COSEDA RENOVATION must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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