COSI COM'E
ActiveSummary
The computed 12-month bankruptcy probability of COSI COM'E is 2.0% (moderate). The 2025 annual accounts show equity of €68,219 and a net result of €5,787. Equity is shrinking by ~6.9% per year across the filed fiscal years. Its solvency ranks better than 40% of 13560 sector peers (fiscal year 2025). The company has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability47▼-3
Solvency44▲+3
Growth58=
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,000 at 30 days acceptable
Liquidity short (current ratio 0.5 against 1.21 in 2024; short-term debt: 19.1% and cash: 1.6% of total assets), and 81.3% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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
18.7%
Return on assets
1.6%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €68,219
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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
24 d late
2024
26 d late
2023
11 d late
2022
31 d late
2021
61 d late
2020
31 d late
2019
69 d 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 36 days after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 52% of the sector filed late.
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€5,787▲ 2.9%
2024 · €5,621
Working capital
-€34,756
2024 · €11,223
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€24,736▼ 2.3%-€20,269▲ 18.1%€26,697€18,101▼ 32.2%€24,957▲ 37.9%
Net result-€25,271▼ 6.9%-€22,238▲ 12.0%€23,454€5,621▼ 76.0%€5,787▲ 2.9%
Equity€55,595▼ 31.3%€33,357▼ 40.0%€56,811▲ 70.3%€62,432▲ 9.9%€68,219▲ 9.3%
Total assets€107,089▼ 23.2%€79,409▼ 25.8%€105,102▲ 32.4%€399,341▲ 280%€365,316▼ 8.5%
Debt€51,495▼ 12.2%€46,052▼ 10.6%€48,291▲ 4.9%€336,909▲ 598%€297,097▼ 11.8%
Working capital€11,048▼ 60.2%€8,662▼ 21.6%€34,535▲ 299%€11,223▼ 67.5%-€34,756
Staff (FTE)3.32.9▼ 12.1%7.7▲ 166%7.9▲ 2.6%
Why a figure moved sharply
- 2024 Total assets +280% on 2023. Cause not known from the registers.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 38% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €365,316
Fixed assets
€330,308 ▼ 1.7%
Current assets
€35,008 ▼ 44.8%
Equity and liabilities €365,316
Equity
€68,219 ▲ 9.3%
Debt
€297,097 ▼ 11.8%
Debt's share of the balance-sheet total falls from 84.4% to 81.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€44,897▲
2024 · €43,596
Cash flow
€25,726▼
2024 · €31,116
Current ratio
0.50▼
2024 · 1.21
Quick ratio
0.31▼
2024 · 0.92
Debt to equity
4.36▼
2024 · 5.40
ROE
8.5%▼
2024 · 9.0%
ROA
1.6%▲
2024 · 1.4%
Interest coverage
3.17▼
2024 · 3.49
Debt ≤ 1 year
€69,764▲
2024 · €52,210
Debt > 1 year
€227,333▼
2024 · €280,699
Income taxes
€5,000
Staff costs
€103,472▲
2024 · €97,905
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,972 companies that looked in July 2024 the way this one looks now, 1.2% went bankrupt within 24 months and 96% are still going.
- Micro
- 20 years or older
- solvency 10 to 30%
- a profit under 5% of the balance sheet
1.2%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 2.0% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 3,972 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €22,730 | - | - | - | - |
| Remuneration, social security and pensions62 | €36,836 | €74,849 | €64,759 | €97,905 | €103,472 | ▲ 5.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €35,644 | €25,673 | €22,658 | €25,495 | €19,939 | ▼ 21.8% |
| Other operating charges640/8 | €2,131 | €2,958 | €2,821 | €2,004 | €4,007 | ▲ 99.9% |
| Non-recurring operating charges66A | - | - | - | - | €2,257 | - |
| Gross operating margin9900 | €49,876 | €83,211 | €116,935 | €143,505 | €154,633 | ▲ 7.8% |
| Operating profit (loss)9901 | -€24,736 | -€20,269 | €26,697 | €18,101 | €24,957 | ▲ 37.9% |
| Financial income75/76B | €500 | €80 | €9 | €17 | - | - |
| Recurring financial income75 | €500 | €80 | €9 | €17 | - | - |
| Financial charges65/66B | €1,035 | €2,049 | €3,098 | €12,497 | €14,171 | ▲ 13.4% |
| Recurring financial charges65 | €1,035 | €2,049 | €3,098 | €12,497 | €14,171 | ▲ 13.4% |
| Profit (loss) for the period before taxes9903 | -€25,271 | -€22,238 | €23,609 | €5,621 | €10,787 | ▲ 91.9% |
| Income taxes67/77 | - | - | €155 | - | €5,000 | - |
| Profit (loss) for the period9904 | -€25,271 | -€22,238 | €23,454 | €5,621 | €5,787 | ▲ 2.9% |
| Profit (loss) for the period to be appropriated9905 | -€25,271 | -€22,238 | €23,454 | €5,621 | €5,787 | ▲ 2.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €107,089 | €79,409 | €105,102 | €399,341 | €365,316 | ▼ 8.5% |
| Fixed assets21/28 | €63,977 | €35,440 | €50,500 | €335,909 | €330,308 | ▼ 1.7% |
| Tangible fixed assets22/27 | €63,977 | €35,440 | €50,500 | €335,909 | €330,308 | ▼ 1.7% |
| Land and buildings22 | - | - | - | €302,319 | €291,183 | ▼ 3.7% |
| Plant, machinery and equipment23 | - | - | €3,918 | €2,962 | €2,800 | ▼ 5.5% |
| Furniture and vehicles24 | €60,612 | €35,028 | €46,582 | €29,822 | €35,704 | ▲ 19.7% |
| Other tangible fixed assets26 | €3,365 | €412 | - | €806 | €622 | ▼ 22.8% |
| Current assets29/58 | €43,112 | €43,969 | €54,602 | €63,432 | €35,008 | ▼ 44.8% |
| Stocks and contracts in progress3 | €13,066 | €15,216 | €17,476 | €15,577 | €13,097 | ▼ 15.9% |
| Stocks30/36 | €13,066 | €15,216 | €17,476 | €15,577 | €13,097 | ▼ 15.9% |
| Amounts receivable within one year40/41 | €17,126 | €21,505 | €22,538 | €14,570 | €12,840 | ▼ 11.9% |
| Trade receivables40 | €4,200 | €4,200 | €4,200 | €4,241 | €7,513 | ▲ 77.1% |
| Other amounts receivable41 | €12,926 | €17,305 | €18,338 | €10,328 | €5,327 | ▼ 48.4% |
| Cash at bank and in hand54/58 | €12,920 | €7,249 | €14,321 | €23,725 | €5,705 | ▼ 76.0% |
| Deferred charges and accrued income490/1 | - | - | €268 | €9,561 | €3,367 | ▼ 64.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €107,089 | €79,409 | €105,102 | €399,341 | €365,316 | ▼ 8.5% |
| Equity10/15 | €55,595 | €33,357 | €56,811 | €62,432 | €68,219 | ▲ 9.3% |
| Contributions10/11 | €20,000 | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Outside capital11 | €20,000 | €20,000 | €20,000 | - | - | - |
| Other1109/19 | €20,000 | €20,000 | €20,000 | - | - | - |
| Reserves13 | €75,193 | €75,193 | €75,193 | €75,193 | €75,193 | = |
| Non-distributable reserves130/1 | €2,000 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Reserves not available under the articles1311 | €2,000 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Tax-exempt reserves132 | €5,714 | €5,714 | €5,714 | €5,714 | €5,714 | = |
| Distributable reserves133 | €67,479 | €67,479 | €67,479 | €67,479 | €67,479 | = |
| Profit (loss) carried forward14 | -€39,598 | -€61,836 | -€38,382 | -€32,761 | -€26,974 | ▲ 17.7% |
| Amounts payable17/49 | €51,495 | €46,052 | €48,291 | €336,909 | €297,097 | ▼ 11.8% |
| Amounts payable after more than one year17 | €19,431 | €6,145 | €23,624 | €280,699 | €227,333 | ▼ 19.0% |
| Financial debts170/4 | €10,831 | €3,545 | €23,624 | €224,089 | €196,705 | ▼ 12.2% |
| Other amounts payable178/9 | €8,600 | €2,600 | - | €56,610 | €30,629 | ▼ 45.9% |
| Amounts payable within one year42/48 | €32,064 | €35,307 | €20,067 | €52,210 | €69,764 | ▲ 33.6% |
| Current portion of amounts payable after more than one year42 | €11,706 | €12,825 | €9,032 | €26,286 | €27,384 | ▲ 4.2% |
| Trade debts44 | €4,280 | €5,269 | €1,620 | €5,983 | €5,141 | ▼ 14.1% |
| Suppliers440/4 | €4,280 | €5,269 | €1,620 | €5,983 | €5,141 | ▼ 14.1% |
| Taxes, remuneration and social security45 | €16,077 | €17,213 | €9,416 | €19,940 | €37,238 | ▲ 86.7% |
| Taxes450/3 | €3,555 | €5,388 | €2,968 | €7,635 | €9,808 | ▲ 28.5% |
| Remuneration and social security454/9 | €12,523 | €11,825 | €6,448 | €12,305 | €27,430 | ▲ 123% |
| Accrued charges and deferred income492/3 | - | €4,600 | €4,600 | €4,000 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€25,271 | -€22,238 | €23,454 | €5,621 | €5,787 | ▲ 2.9% |
| + Depreciation and write-downs630 | €35,644 | €25,673 | €22,658 | €25,495 | €19,939 | ▼ 21.8% |
| Operating cash flow (approximation) | €10,373 | €3,435 | €46,112 | €31,116 | €25,726 | ▼ 17.3% |
| Investment in fixed assets (approximation) | - | €2,865 | -€37,718 | -€310,904 | -€14,339 | ▲ 95.4% |
| Change in cash | - | -€5,672 | €7,072 | €9,404 | -€18,020 | ▼ 292% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
11-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 11 days late
2023
31-12
Financial
Back to profitnet €23,454
Net result €23,454 after 3 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 2.72
Current ratio from 1.25 to 2.72; short-term debt falls from €35,307 to €20,067.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 61 days late
2021
31-12
Financial
Weakest financial yearnet -€25,271
Net result drops to -€25,271, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 69 days late
2019
31-12
Financial
Equity above €100,000Eq €104,495 ▲8.5%
2 profitable years in a row build equity to €104,495.
05-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 5 days late
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Vorst · 1 establishment unit since 2002
Ground area
135 m²
Building footprint
135 m²
Volume, LiDAR
2,522 m³
Parcel 21383B0031/00D032, Brussels · tallest building 20.3 m, ±6 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
COSI COM'E
since 20022.098.789.295
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21383B0031/00D032 | Brussels | 135 m² | 1 · 135 m² | 20.3 m · 6 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteVorst2.098.789.295
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Of 21,859 companies in sector 56112 we hold annual accounts for 9,779. 8,178 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded17-01-2002
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0476693236
Registered
15-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.