COSMOS CAFE
ActiveThe computed 12-month bankruptcy probability of COSMOS CAFE is 2.0% (moderate). The 2025 annual accounts show equity of €14k and a net result of €-22k. Equity is growing by ~29.4% per year across the filed fiscal years. Its solvency ranks better than 46% of 13071 sector peers (fiscal year 2025). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency29▼-39
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity short (current ratio 0.44 against 0.61 in 2024), and 73.6% of the assets are financed with debt.
Credit advice for your own amount and term
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
Sector 56
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 2025Solvency, return and age of the figures
Solvency
26.4%
Return on assets
-41.8%
Age of the figures
15 mo
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
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 03-02-2026, 3 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
3 d late
2024
279 d late
2023
404 d late
2022
on the day
2021
148 d late
2019
480 d late
2018
22 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€14k▼ 61.3%
2024 · €36k
2019: €5k
2021: €10k
2022: €23k
2023: €26k
2024: €36k
2019 → 2025
Total assets
€53k▼ 7.7%
2024 · €58k
2019: €38k
2021: €32k
2022: €47k
2023: €45k
2024: €58k
2019 → 2025
Net result
€-22k
2024 · €10k
2019: €-5k
2021: €-8k
2022: €13k
2023: €3k
2024: €10k
2019 → 2025
Working capital
€-22k▼ 175%
2024 · €-8k
2019: €-26k
2021: €-11k
2022: €4k
2023: €13k
2024: €-8k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€10k-€23k▲ 126%€26k▲ 15.4%€36k▲ 38.9%€14k▼ 61.3%
Operating result€-7k-€14k€-2k€-76k▼ 3,094%€-5k▲ 93.7%
Net result€-8k-€13k€3k▼ 72.4%€10k▲ 191%€-22k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €5k in 2025 against €76k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €53k
Fixed assets
€36k▼ 19.9%
Current assets
€17k▲ 36.3%
Equity and liabilities €53k
Equity
€14k▼ 61.3%
Debt
€39k▲ 83.6%
The debt ratio rises from 37.0% to 73.6%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€4k▲
2024 · €-70k
Cash flow
€-13k▼
2024 · €16k
Solvency
26.4%▼
2024 · 63.0%
Current ratio
0.44▼
2024 · 0.61
Quick ratio
0.39▼
2024 · 0.54
Debt / equity
2.79▲
2024 · 0.59
ROE
-158.3%▼
2024 · 28.0%
ROA
-41.8%▼
2024 · 17.6%
Interest coverage
28.92▲
2024 · -295.82
Debt
€39k▲
2024 · €21k
Debt ≤ 1 year
€39k▲
2024 · €21k
Income taxes
€18k▲
2024 · €326
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€58k€53k▼
Fixed assets21/28€45k€36k▼
Tangible fixed assets22/27€41k€32k▼
Plant, machinery and equipment23€1k€805▼
Furniture and vehicles24€34k€26k▼
Other tangible fixed assets26€6k€5k▼
Financial fixed assets28€4k€4k=
Current assets29/58€13k€17k▲
Amounts receivable after more than one year29-€10k
Other amounts receivable291-€10k
Stocks and contracts in progress3€2k€2k▲
Stocks30/36€2k€2k▲
Amounts receivable within one year40/41€223€223=
Other amounts receivable41€223€223=
Cash at bank and in hand54/58€11k€4k▼
Deferred charges and accrued income490/1€198€561▲
Equity and liabilities
Total equity and liabilities10/49€58k€53k▼
Equity10/15€36k€14k▼
Contributions10/11€11k€11k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€23k€1k▼
Amounts payable17/49€21k€39k▲
Amounts payable within one year42/48€21k€39k▲
Trade debts44€2k€18k▲
Suppliers440/4€2k€18k▲
Taxes, remuneration and social security45€19k€16k▼
Taxes450/3€19k€16k▼
Other amounts payable47/48-€5k
Accrued charges and deferred income492/3€794€150▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€9k▲
Other operating charges640/8€381€2k▲
Gross operating margin9900€-70k€6k▲
Operating profit (loss)9901€-76k€-5k▲
Financial income75/76B€87k€150▼
Recurring financial income75€87k€150▼
Non-recurring financial income76B€87k-
Financial charges65/66B€238€145▼
Recurring financial charges65€238€145▼
Profit (loss) for the period before taxes9903€11k€-5k▼
Income taxes67/77€326€18k▲
Profit (loss) for the period9904€10k€-22k▼
Profit (loss) for the period to be appropriated9905€10k€-22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€23k€1k▼
Profit (loss) brought forward from the previous period14P€13k€23k▲
The notes to these accounts (5 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
03-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
06-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 279 days late
30-06
Financial
Weakest financial yearnet €-22k ▼319%
Net result drops to €-22k, the lowest in the series.
10-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 404 days late
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Back to profitnet €13k
Net result €13k after 2 loss-making years.
30-06
Financial
Liquidity doublescurrent ratio 1.17
Current ratio from 0.48 to 1.17.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 148 days late
2021
25-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 480 days late
2019
22-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 22 days late
2018
13-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 13 days late
2017
27-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 27 days late
2016
27-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 178 days late
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, Maasmechelen · 1 establishment unit since 2010
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.
Oude Baan(E) 2053630 MaasmechelenGround area
397 m²
Building footprint
28 m²
Volume, LiDAR
32 m³
Parcel 73096A0751/00A000, Flanders · tallest building 9.0 m. Linked by address, not a title deed.
1 establishment unit
Cosmos Café
since 20102.202.463.192
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73096A0751/00A000 | Flanders | 397 m² | 1 · 28 m² | 9.0 m |
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.
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Of 13,838 companies in sector 56301 we hold annual accounts for 4,809. 3,736 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded09-07-2010
Fiscal year end30-06
Activities, NACEBEL
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0497/100464