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COSEMANS CONSTRUCTIES

Active
Private limited company (pre-2019)founded 1989active for 36 yearsHamstraat 1, 3840 Borgloon, BelgiumKBO/BCE: BE 0438.793.257
Summary

COSEMANS CONSTRUCTIES has been active since 1989 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€375,459) and a net result of -€4,756. Equity is shrinking by about 24% per year across the filed financial years. Its solvency ranks better than 5% of 9,799 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 1.3% (low).

Risk analysisFollow ReportCompare
COSEMANS CONSTRUCTIESActiveChecked score 53/100
Risk analysis ReportCompare

Overview

Activity
Joinery installation
NACE 43320
1 site
Size
€126,857total assets 2025
Equity
-€375,459
Loss
-€4,756
Turnover not published (abbreviated format)
Financial health
53 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
1.3%
Structure
Parent
NIEUWMOLEN · 100%
  • STAKIMDirector · permanent representative Rigo DETHIER
2025 accounts 28 days early1 of 4 deeds summarised
Why 53raises riskCapped at 59: negative equitySector: Specialised construction activities (NACE 43)Negative equity -€375,459lowers riskSize: total assets €126,857Founded in 1989Show the evidence

Checked score

Score 2025
53 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 18% of its sector peers (NACE 43, micro)
Negative equity caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Weak
Solvency 0=
equity -296.0% of total assets
Liquidity 14+13
short-term debt 349.7% · cash 11.1%
Profitability 64+64
return on assets -3.7%
Bankruptcy probability, 12 months
1.3% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,613 companies, NACE 43, micro)
Last 24 months 11-2024: 1.2% 12-2024: 1.2%● unchanged vs 11-2024 01-2025: 1.2%● unchanged vs 12-2024 02-2025: 1.2%● unchanged vs 01-2025 03-2025: 1.2%● unchanged vs 02-2025 04-2025: 1.2%● unchanged vs 03-2025 05-2025: 1.2%● unchanged vs 04-2025 06-2025: 1.0%▼ -0.2 percentage points vs 05-2025lowest value 07-2025: 1.1%▲ +0.1 percentage points vs 06-2025 08-2025: 1.7%▲ +0.6 percentage points vs 07-2025 09-2025: 1.9%▲ +0.2 percentage points vs 08-2025 10-2025: 5.2%▲ +3.3 percentage points vs 09-2025highest value 11-2025: 5.2%● unchanged vs 10-2025highest value 12-2025: 5.2%● unchanged vs 11-2025highest value 01-2026: 5.2%● unchanged vs 12-2025 02-2026: 5.2%● unchanged vs 01-2026 03-2026: 5.1%▼ -0.1 percentage points vs 02-2026 04-2026: 5.1%● unchanged vs 03-2026 05-2026: 4.8%▼ -0.3 percentage points vs 04-2026 06-2026: 4.7%▼ -0.1 percentage points vs 05-2026 07-2026: 5.0%▲ +0.3 percentage points vs 06-2026 08-2026: 1.3%▼ -3.7 percentage points vs 07-2026 09-2026: 1.3%● unchanged vs 08-2026 10-2026: 1.3%● unchanged vs 09-2026
No credit on open account
Liquidity insufficient (current ratio 0.24, compared with 0.33 in 2024, below 1; short-term debt: 349.7% and cash: 11.1% of total assets), and equity is negative.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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): better than 3% on solvency, 8% on liquidity, 31% on profitability and 32% on growth.

The bankruptcy probability was computed on 23-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
lowers riskraises riskneutral
raises risk · Sector: Specialised construction activities (NACE 43)
KBO
lowers risk · Size: total assets €126,857
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Negative equity -€375,459
NBB · annual accounts
lowers risk · Founded in 1989
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year -€375,459
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 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
28 days early
2024
42 days late
2023
61 days late
2022
29 days late
2021
1 day early
2020
31 days early
2019
69 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 20 days after the deadline; the sector median (NACE 43) for financial year 2024 is 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 29 August (4 of the last 5 filed years within 33 days of that day).
Companies Code · seven months
Where today falls in the filing period
24-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · abbreviated…
  2. Resignation: NIEUWMOLEN BV (director)Permanent representatives: Rigo DETHIER and…
  3. Annual accounts filedfinancial year 2024 · abbreviated…

Key points

  • Risk: Negative equityfinancial year 2025: debts exceed assets -€375,459 View
  • Risk: 7 loss-making years in a rowloss financial year 2025 -€4,756 View
  • Positive: Result rose in 2025from -€644,590 to -€4,756 ▲ 99.3% View
  • Caution: Among the weakest 5% on solvencysector median 44.0% · 9,799 companies -296.0% View
  • Caution: Board changedlatest change 30-10-2025 · 1 in office 1 joined · 1 left View
  • Controlled by NIEUWMOLENultimately: STAKIM 100% View

By topic

Financials

Financial year
2025
Total assets
€126,857
Loss
-€4,756
Solvency
-296.0%
Total assets▼ 39.9%
Net result
20182025
Go to Financials

Timeline

Events
37
Since
1991
Next accounts
by 31-07-2027
  1. 31-12-2024Weakest financial year
  2. 30-09-2024Annual accounts filed
  3. 29-08-2023Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company (pre-2019)
Activity
Joinery installationNACE 43320
Founded
07-11-1989
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Key facts about COSEMANS CONSTRUCTIES

What is the company number of COSEMANS CONSTRUCTIES?
0438.793.257. In Belgium the VAT number is the company number with BE in front: BE 0438.793.257.
Where is COSEMANS CONSTRUCTIES based?
The registered office is at Hamstraat 1, 3840 Borgloon.Company details
What does COSEMANS CONSTRUCTIES do?
According to the KBO register, the main activity is joinery installation (NACE 43320).
What is the legal form of COSEMANS CONSTRUCTIES?
Private limited company (pre-2019) (BVBA).
When was COSEMANS CONSTRUCTIES founded?
On 07-11-1989.
Is COSEMANS CONSTRUCTIES still active?
Yes, COSEMANS CONSTRUCTIES is an active enterprise in the KBO register.
How many employees does COSEMANS CONSTRUCTIES have?
On average 1.6 full-time equivalents in financial year 2023, according to the filed annual accounts.Financials
What is the turnover of COSEMANS CONSTRUCTIES?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is COSEMANS CONSTRUCTIES profitable?
In financial year 2025, COSEMANS CONSTRUCTIES made a loss of €4,756.
Where can I find the annual accounts of COSEMANS CONSTRUCTIES?
COSEMANS CONSTRUCTIES filed 35 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of COSEMANS CONSTRUCTIES due?
By 31-07-2027, for financial year 2026.Timeline

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