COSIBO
ActiveCOSIBO has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €50k and a net result of €23k. Equity is growing by ~13.4% per year across the filed fiscal years. Its solvency ranks better than 37% of 9430 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▼-8
Solvency65▼-32
Growth52=
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity tight (current ratio 1.27 against 3.22 in 2024; short-term debt: 60% and cash: 43.1% of total assets), and 60% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
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
40%
Return on assets
18.8%
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 23-07-2026, 8 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
8 d early
2024
19 d late
2023
14 d late
2022
27 d early
← before the deadline
after the deadline →
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€50k▼ 45.6%
2024 · €91k
2022: €45k
2023: €58k
2024: €91k
2022 → 2025
Total assets
€124k▼ 2.0%
2024 · €127k
2022: €74k
2023: €88k
2024: €127k
2022 → 2025
Net result
€23k▼ 30.9%
2024 · €34k
2022: €42k
2023: €13k
2024: €34k
2022 → 2025
Working capital
€20k▼ 74.0%
2024 · €78k
2022: €45k
2023: €56k
2024: €78k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€45k-€58k▲ 28.6%€91k▲ 58.5%€50k▼ 45.6%
Operating result€59k-€19k▼ 68.6%€47k▲ 154%€31k▼ 34.3%
Net result€42k-€13k▼ 69.8%€34k▲ 163%€23k▼ 30.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 34% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €124k
Fixed assets
€29k▲ 120%
Current assets
€95k▼ 16.4%
Equity and liabilities €124k
Equity
€50k▼ 45.6%
Debt
€74k▲ 111%
The debt ratio rises from 27.8% to 60.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€38k▼
2024 · €48k
Cash flow
€31k▼
2024 · €34k
Solvency
40.0%▼
2024 · 72.2%
Current ratio
1.27▼
2024 · 3.22
Quick ratio
1.27▼
2024 · 3.22
Debt / equity
1.50▲
2024 · 0.39
ROE
46.9%▲
2024 · 36.9%
ROA
18.8%▼
2024 · 26.6%
Interest coverage
554.28▲
2024 · 343.77
Debt
€74k▲
2024 · €35k
Debt ≤ 1 year
€74k▲
2024 · €35k
Income taxes
€8k▼
2024 · €13k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€127k€124k▼
Fixed assets21/28€13k€29k▲
Intangible fixed assets21-€1k
Tangible fixed assets22/27€2k€17k▲
Furniture and vehicles24€2k€17k▲
Financial fixed assets28€11k€11k=
Current assets29/58€113k€95k▼
Amounts receivable within one year40/41€74k€40k▼
Trade receivables40€74k€40k▼
Other amounts receivable41-€11
Cash at bank and in hand54/58€36k€53k▲
Deferred charges and accrued income490/1€4k€705▼
Equity and liabilities
Total equity and liabilities10/49€127k€124k▼
Equity10/15€91k€50k▼
Contributions10/11€3k€3k=
Reserves13€83k€43k▼
Distributable reserves133€83k€43k▼
Profit (loss) carried forward14€6k€5k▼
Amounts payable17/49€35k€74k▲
Amounts payable within one year42/48€35k€74k▲
Trade debts44€483€919▲
Suppliers440/4€483€919▲
Taxes, remuneration and social security45€31k€24k▼
Taxes450/3€31k€19k▼
Remuneration and social security454/9-€5k
Other amounts payable47/48€4k€49k▲
Income statement
Code20242025
Remuneration, social security and pensions62€858-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€725€8k▲
Other operating charges640/8€535€411▼
Non-recurring operating charges66A-€3k
Gross operating margin9900€49k€42k▼
Operating profit (loss)9901€47k€31k▼
Financial income75/76B€0€6▲
Recurring financial income75€0€6▲
Financial charges65/66B€139€69▼
Recurring financial charges65€139€69▼
Profit (loss) for the period before taxes9903€47k€31k▼
Income taxes67/77€13k€8k▼
Profit (loss) for the period9904€34k€23k▼
Profit (loss) for the period to be appropriated9905€34k€23k▼
Appropriation of the result
Profit (loss) to be appropriated9906€36k€30k▼
Profit (loss) brought forward from the previous period14P€3k€6k▲
Transfer from equity791/2-€40k
Transfer to equity691/2€30k-
To other reserves6921€30k-
Profit to be distributed694/7-€65k
Return on contributions (dividend)694-€65k
The notes to these accounts (14 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 14 days late
2023
31-12
Financial
Weakest financial yearnet €13k ▼69.8%
Net result drops to €13k, the lowest in the series; recovery starts the following year.
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Nivelles · 1 establishment unit since 2021
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.
Avenue de Burlet 691400 NivellesGround area
1,154 m²
Building footprint
195 m²
Volume, LiDAR
1,945 m³
2 parcels, Wallonia · tallest building 14.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
COSIBO
since 20212.324.422.579
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25059D0364/00B000 | Wallonia | 881 m² | 1 · 121 m² | 11.4 m · 3 fl. |
| 25782C0124/00S012 | Wallonia | 273 m² | 1 · 74 m² | 14.4 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 11,553 companies in sector 71121 we hold annual accounts for 6,558. 4,887 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-11-2021
Fiscal year end31-12
Activities, NACEBEL
71121Engineering and related technical consultancy, excluding land surveyors
42110Construction of roads and motorways
42120Civil engineering
42130Civil engineering
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.