COSMOS GROUP

Active

Private limited companyfounded 200719 yrs activeAmbachtslaan 1049, 3990 Peer, BelgiumKBO/BCE: BE 0890.614.507

COSMOS GROUP has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €110k and a net result of €24k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 52% of 18237 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).

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Checked score

Score 2025

67 / 100

Healthy

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability79▲+3

Solvency61▼-2

Growth58=

Track record100

Bankruptcy probability, 12 months

0.6% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €7k at 30 days acceptable

Liquidity tight (current ratio 1.14 against 1.19 in 2024; short-term debt: 24.7% and cash: 10.3% of total assets), and 63.6% of the assets are financed with debt.

How do we compute the score and the probability?

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

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 47

Relative position

BE, all sectors

reference

Sector 47

higher

← fewer bankruptcies more bankruptcies →

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

36.4%

Return on assets

7.9%

Age of the figures

9 mo

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 2025

Equity per financial year

1819202122232425

2018 to 2025 · latest year €110k

A punctual record breaks

This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.

NBB · 10 filings

Deviation from the deadline

2025

3 d late

2024

183 d early

2023

26 d early

2022

21 d early

2021

22 d late

2020

31 d late

2019

70 d late

← before the deadline after the deadline →

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 months

Position in the running window

22-09-2026 today31-12-2026 close31-07-2027 deadline

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

Financials · fiscal year 2025, micro schema

Equity

€110k▲ 25.2%

2024 · €87k

2018: €210k 2019: €58k 2020: €-200k 2021: €-295k 2022: €-435k 2023: €73k 2024: €87k

2018 → 2025

Total assets

€301k▲ 31.6%

2024 · €228k

2018: €801k 2019: €499k 2020: €453k 2021: €446k 2022: €358k 2023: €268k 2024: €228k

2018 → 2025

Net result

€24k▲ 80.8%

2024 · €13k

2018: €-69k 2019: €-152k 2020: €-259k 2021: €-94k 2022: €-140k 2023: €509k 2024: €13k

2018 → 2025

Working capital

€10k▼ 24.6%

2024 · €14k

2018: €-106k 2019: €34k 2020: €-60k 2021: €-64k 2022: €-272k 2023: €68k 2024: €14k

2018 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€-295k-€-435k▼ 47.6%€73k€87k▲ 20.5%€110k▲ 25.2%

Operating result€-70k-€-115k▼ 64.2%€543k€20k▼ 96.2%€39k▲ 91.9%

Net result€-94k-€-140k▼ 48.9%€509k€13k▼ 97.4%€24k▲ 80.8%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result recovers in 2025; 2025 is 92% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €301k

71.9%

28.1%

Fixed assets €216k▲ 50.8%

Current assets €85k▼ 0.7%

Equity and liabilities €301k

36.4%

63.6%

Equity €110k▲ 25.2%

Debt €191k▲ 35.6%

The debt ratio rises from 61.7% to 63.6%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€93k▲

2024 · €56k

Cash flow

€77k▲

2024 · €49k

Solvency

36.4%▼

2024 · 38.3%

Current ratio

1.14▼

2024 · 1.19

Quick ratio

1.14▼

2024 · 1.17

Debt / equity

1.74▲

2024 · 1.61

ROE

21.7%▲

2024 · 15.0%

ROA

7.9%▲

2024 · 5.7%

Interest coverage

7.12▼

2024 · 9.06

Debt

€191k▲

2024 · €141k

Debt ≤ 1 year

€74k▲

2024 · €71k

Debt > 1 year

€117k▲

2024 · €70k

Income taxes

€2k▲

2024 · €2k

Staff costs

€37k▼

2024 · €39k

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€228k€301k▲

Fixed assets21/28€143k€216k▲

Tangible fixed assets22/27€143k€216k▲

Land and buildings22€1k€877▼

Plant, machinery and equipment23€138k€163k▲

Furniture and vehicles24€4k€52k▲

Current assets29/58€85k€85k▼

Amounts receivable after more than one year29€33k€33k=

Trade receivables290€33k€33k=

Stocks and contracts in progress3€2k-

Stocks30/36€2k-

Amounts receivable within one year40/41€9k€16k▲

Trade receivables40€9k€16k▲

Other amounts receivable41€13-

Cash at bank and in hand54/58€39k€31k▼

Deferred charges and accrued income490/1€3k€5k▲

Equity and liabilities

Total equity and liabilities10/49€228k€301k▲

Equity10/15€87k€110k▲

Contributions10/11€34k€34k=

Reserves13€54k€76k▲

Distributable reserves133€54k€76k▲

Amounts payable17/49€141k€191k▲

Amounts payable after more than one year17€70k€117k▲

Financial debts170/4€70k€117k▲

Amounts payable within one year42/48€71k€74k▲

Current portion of amounts payable after more than one year42€27k€32k▲

Trade debts44€7k€6k▼

Suppliers440/4€7k€6k▼

Taxes, remuneration and social security45€21k€21k▲

Taxes450/3€13k€14k▲

Remuneration and social security454/9€7k€7k▼

Other amounts payable47/48€17k€15k▼

Income statement Code20242025

Non-recurring operating income76A€2k-

Remuneration, social security and pensions62€39k€37k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€54k▲

Other operating charges640/8€454€685▲

Non-recurring operating charges66A€1k-

Gross operating margin9900€97k€131k▲

Operating profit (loss)9901€20k€39k▲

Financial income75/76B€500€16▼

Recurring financial income75€500€16▼

Financial charges65/66B€6k€13k▲

Recurring financial charges65€6k€13k▲

Profit (loss) for the period before taxes9903€15k€26k▲

Income taxes67/77€2k€2k▲

Profit (loss) for the period9904€13k€24k▲

Profit (loss) for the period to be appropriated9905€13k€24k▲

Appropriation of the result

Profit (loss) to be appropriated9906€15k€24k▲

Profit (loss) brought forward from the previous period14P€2k-

Transfer to equity691/2€15k€22k▲

To other reserves6921€15k€22k▲

Profit to be distributed694/7-€2k

Return on contributions (dividend)694-€2k

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 15Financial 4Gazette 1Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

03-09

State Gazette act Resignations & appointments

General meeting · Director resignation · Power of attorney3 facts ▸

General meeting, 2026-07-31
Director resignation, Bram Dirckx (niet-statutaire bestuurder)
Power of attorney, Creafig

03-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 3 days late

2025

31-12

Financial Equity above €100kEq €110k ▲25.2%

3 profitable years in a row build equity to €110k.

29-01

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

05-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Back to profitnet €509k

Net result €509k after 5 loss-making years.

31-12

Financial Liquidity times 6current ratio 1.74

Current ratio from 0.31 to 1.74; short-term debt falls from €394k to €92k.

10-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

22-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 22 days late

2021

31-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 31 days late

2020

31-12

Financial Weakest financial yearnet €-259k

Net result drops to €-259k, the lowest in the series; recovery starts the following year.

09-10

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 70 days late

2019

30-08

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 30 days late

2018

05-07

NBB filing Annual accounts filed

fiscal year 2017 · abbreviated schema

2017

31-07

NBB filing Annual accounts filed

fiscal year 2016 · micro schema

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

no sitting director, no change since 2026

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.

01-08-2026 Resigned as Non-statutory director

Location & real-estate footprint

Registered office, Peer · 1 establishment unit since 2007

establishment The establishment unit on the map

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.

Ambachtslaan 10493990 Peer

Ground area

8,520 m²

Building footprint

2,567 m²

Volume, LiDAR