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COSITRA

Active
Private limited companyfounded 20196 yrs activeMarveld 73, 4850 Plombières, BelgiumKBO/BCE: BE 0739.992.313
Summary

The computed 12-month bankruptcy probability of COSITRA is 2.0% (moderate). The 2025 annual accounts show equity of €254,033 and a net result of €78,946. Equity is growing by ~56.9% per year across the filed fiscal years. Its solvency ranks better than 60% of 2552 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
COSITRAActiveChecked score 55/100
Risk analysis ReportCompare

Overview

Activity
General construction of residential buildings
NACE 41001General construction of buildings NACE 41201
#9 company by equity in Plombières, Construction sector1 site
Size
€531,944total assets 2025
Staff
6.1 FTE
Equity
€254,033
Profit
€78,946
Financial health
55 Fair Checked score 2025
Bankruptcy chance 12 m
2.0%
Structure
Accounts filed 27 d late0 of 2 deeds read
Why 55- Sector Construction of residential and non-residential buildings (NACE 41)- Size: 6.1 FTE, total assets €531,944- Founded in 2019+ Equity €254,033 (47.8% of total assets)Show the evidence

Checked score

Score 2025
55 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 58% of its sector peers (NACE 41, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 73+9
equity 47.8% of total assets
Liquidity 39+2
short-term debt 38.9% · cash 5.8%
Profitability 87+5
return on assets 14.8%
Bankruptcy probability, 12 months
2.0% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.6% (13,187 companies)
Last 24 months 11-2024: 2.6% 12-2024: 2.5%▼ -2.4% vs 11-2024 01-2025: 2.6%▲ +1.2% vs 12-2024 02-2025: 2.6%▲ +1.3% vs 01-2025 03-2025: 2.5%▼ -1.5% vs 02-2025 04-2025: 2.7%▲ +7.8% vs 03-2025 05-2025: 3.5%▲ +28.6% vs 04-2025 06-2025: 3.7%▲ +5.1% vs 05-2025 07-2025: 3.9%▲ +5.8% vs 06-2025highest value 08-2025: 3.9%▼ -0.7% vs 07-2025 09-2025: 3.9%● 0.0% vs 08-2025 10-2025: 3.9%▼ -0.2% vs 09-2025 11-2025: 3.9%● 0.0% vs 10-2025 12-2025: 3.9%▼ -0.4% vs 11-2025 01-2026: 3.9%▼ -0.1% vs 12-2025 02-2026: 2.6%▼ -32.6% vs 01-2026 03-2026: 2.1%▼ -19.9% vs 02-2026 04-2026: 2.3%▲ +8.9% vs 03-2026 05-2026: 2.3%▲ +0.6% vs 04-2026 06-2026: 2.2%▼ -2.4% vs 05-2026 07-2026: 2.7%▲ +19.3% vs 06-2026 08-2026: 3.7%▲ +38.7% vs 07-2026 09-2026: 2.0%▼ -47.1% vs 08-2026lowest value 10-2026: 2.0%● 0.0% vs 09-2026lowest value
  • Sector Construction of residential and non-residential buildings (NACE 41) raises the probability
  • Size: 6.1 FTE, total assets €531,944 raises the probability for this profile
  • Founded in 2019 raises the probability for this profile
  • Equity €254,033 (47.8% of total assets) lowers the probability
Credit up to €13,000 at 30 days acceptable
Liquidity tight (current ratio 1.48 against 1.32 in 2024; short-term debt: 38.9% and cash: 5.8% of total assets), and 52.2% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 41, micro). Better than this share of them on solvency 56%, liquidity 35%, profitability 72%, growth against the median 70%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Sector Construction of residential and non-residential buildings (NACE 41)
In the bankruptcy model this factor raises the probability.
KBO
raises risk · Size: 6.1 FTE, total assets €531,944
In the bankruptcy model this factor raises the probability for this profile.
NBB · annual accounts
raises risk · Founded in 2019
In the bankruptcy model this factor raises the probability for this profile.
KBO
lowers risk · Equity €254,033 (47.8% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 6 filings
Deviation from the deadline
2025
27 d late
2024
3 d early
2023
28 d early
2022
30 d late
2021
34 d early
2020
11 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 3 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% 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. Usually files around 28 July (4 of the last 5 filed years within 31 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Equity above €200,000Eq €254,033 ▲28.8%
  3. Annual accounts filedfiscal year 2024 · full…

Key points

  • Positive: Company by equity in Plombières, Construction sectorin the Checked rankings #9 View
  • Positive: 6 profitable years in a rowprofit 2025: €78,946 6 years View
  • Positive: Equity rose in 2025from €197,206 to €254,033 ▲ 28.8% View

By topic

Financials

Fiscal year
2025
Total assets
€531,944
Profit
€78,946
Solvency
47.8%
Total assets▲ 6.0%
Net result
20202025
Go to Financials

Timeline

Events
10
Since
2021
Next accounts
by 31-07-2027
  1. 27-08-2026Annual accounts filed
  2. 31-12-2025Equity above €200,000
  3. 28-07-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
General construction of residential buildingsNACE 41001
Founded
24-12-2019
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark

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