COSI - CASA
ActiveCOSI - CASA has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €24k and a net result of €8k. Equity is growing by ~39.3% per year across the filed fiscal years. Its solvency ranks better than 28% of 15868 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2024
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability74▲+60
Solvency36▲+4
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.42 against 0.5 in 2023; short-term debt: 37.8% and cash: 2.2% of total assets), and 88.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
11.4%
Return on assets
4%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-09-2025, 55 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
55 d late
2023
64 d late
2022
65 d late
2021
65 d late
2020
30 d late
2019
46 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€24k▲ 54.7%
2023 · €15k
2018: €-12k
2019: €-9k
2020: €13k
2021: €22k
2022: €24k
2023: €15k
2018 → 2024
Total assets
€206k▼ 3.8%
2023 · €214k
2018: €255k
2019: €247k
2020: €246k
2021: €225k
2022: €221k
2023: €214k
2018 → 2024
Net result
€8k
2023 · €-9k
2018: €3k
2019: €4k
2020: €22k
2021: €9k
2022: €1k
2023: €-9k
2018 → 2024
Working capital
€-45k▼ 9.5%
2023 · €-41k
2018: €-29k
2019: €-34k
2020: €-29k
2021: €-26k
2022: €-27k
2023: €-41k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€13k-€22k▲ 67.3%€24k▲ 6.1%€15k▼ 35.8%€24k▲ 54.7%
Operating result€31k-€12k▼ 61.1%€5k▼ 63.0%€-7k€11k
Net result€22k-€9k▼ 59.5%€1k▼ 84.7%€-9k€8k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €11k after a loss of €7k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €206k
Fixed assets
€173k▼ 0.3%
Current assets
€33k▼ 18.9%
Equity and liabilities €206k
Equity
€24k▲ 54.7%
Debt
€182k▼ 8.3%
The debt ratio falls from 92.9% to 88.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€17k▲
2023 · €-1
Cash flow
€14k▲
2023 · €-2k
Solvency
11.4%▲
2023 · 7.1%
Current ratio
0.42▼
2023 · 0.50
Quick ratio
0.14▼
2023 · 0.22
Debt / equity
7.74▼
2023 · 13.05
ROE
35.4%▲
2023 · -55.8%
ROA
4.0%▲
2023 · -4.0%
Interest coverage
8.47▲
2023 · 0.00
Debt
€182k▼
2023 · €199k
Debt ≤ 1 year
€78k▼
2023 · €82k
Debt > 1 year
€104k▼
2023 · €117k
Income taxes
€555▲
2023 · €-324
Staff costs
€17k▲
2023 · €16k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€214k€206k▼
Fixed assets21/28€174k€173k▼
Tangible fixed assets22/27€174k€173k▼
Land and buildings22€171k€171k▲
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€139€92▼
Current assets29/58€41k€33k▼
Stocks and contracts in progress3€22k€22k▼
Stocks30/36€22k€22k▼
Amounts receivable within one year40/41-€5k
Trade receivables40-€5k
Cash at bank and in hand54/58€18k€4k▼
Deferred charges and accrued income490/1€219€2k▲
Equity and liabilities
Total equity and liabilities10/49€214k€206k▼
Equity10/15€15k€24k▲
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Reserves13€5k€5k=
Non-distributable reserves130/1€192€192=
Legal reserve130€192€192=
Tax-exempt reserves132€2k€2k=
Distributable reserves133€3k€3k=
Profit (loss) carried forward14€-9k€-178▲
Amounts payable17/49€199k€182k▼
Amounts payable after more than one year17€117k€104k▼
Financial debts170/4€117k€104k▼
Amounts payable within one year42/48€82k€78k▼
Current portion of amounts payable after more than one year42€12k€13k▲
Trade debts44€34k€38k▲
Suppliers440/4€34k€38k▲
Taxes, remuneration and social security45€7k€5k▼
Taxes450/3€5k€4k▼
Remuneration and social security454/9€2k€2k▼
Other amounts payable47/48€28k€23k▼
Income statement
Code20232024
Remuneration, social security and pensions62€16k€17k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€6k▼
Other operating charges640/8€3k€3k▲
Gross operating margin9900€19k€36k▲
Operating profit (loss)9901€-7k€11k▲
Financial income75/76B€30€144▲
Recurring financial income75€30€144▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€-9k€9k▲
Income taxes67/77€-324€555▲
Profit (loss) for the period9904€-9k€8k▲
Profit (loss) for the period to be appropriated9905€-9k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-9k€-178▲
Profit (loss) brought forward from the previous period14P-€-9k
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
2025
24-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 55 days late
2024
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
03-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 64 days late
2023
31-12
Financial
Weakest financial yearnet €-9k ▼719%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
04-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 65 days late
2022
04-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 65 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Highest result since 2018net €22k ▲535%
Operating result €31k, net result €22k, both a record.
15-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 46 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
08-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 8 days late
2016
23-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Bonheiden · 1 establishment unit since 1995
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.
Rijmenamseweg 1982820 BonheidenGround area
1,689 m²
Building footprint
155 m²
Volume, LiDAR
808 m³
Parcel 12005C0101/00P000, Flanders · tallest building 11.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
COSI CASA
since 19952.071.880.705
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12005C0101/00P000 | Flanders | 1,689 m² | 1 · 155 m² | 11.2 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
MARGINAL
BE 0436.714.289
Anderlecht · Eq €24k
ASALI TRADING
BE 0477.751.823
Zele · Eq €23k
GLOBAL FAIR & CONSTRUCT
BE 0874.692.253
Lanaken · Eq €24k
THOKAR
BE 0475.268.128
Knokke-Heist · Eq €25k
WEVERIJ TISSAGE VANNESTE PHILIPPE
BE 0439.001.907
Kortrijk · Eq €22k
Of 687 companies in sector 46412 we hold annual accounts for 517. 255 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded10-05-1995
Fiscal year end31-12
Activities, NACEBEL
46412Wholesale of household textiles and bedding
47552Retail sale of lighting equipment
47592Retail trade
51410
52442
43333Wallpapering and laying of floor and wall coverings in other materials
45433
47512Retail sale of household textiles and bedding
52410
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.