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Complete company report
Generated 28-07-2026
Active BE 0827.472.356Public limited company

CosmXpert

Pannenhuisstraat 22-24 ·1020 Brussel, Belgium· 16 yrs active
Sector: NACE 20420 (20420)
Conclusion Checked

The computed 12-month bankruptcy probability of CosmXpert is 0.4% (very low). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.

Based on State Gazette and CBE data.
Key figures
Active 16 yrs
Board 1
Locations 1
Publications 8
Bankruptcy probability (12 mo) Checked model v1 · free
0.4% Very low
0%0,5%1,5%4%10%≥25%
Higher-failure-rate region +Lower-failure-rate sector −Lower-risk legal form −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
Established
Founded in 2010, 16 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Financial overview10 NBB filings
Financials being processed
NBB has 10 filing(s) on record for this company, latest fiscal year 2024 (volledig). The annual accounts are being processed.
Filings on record
Fiscal year Type Filed Reference
31-12-2024 volledig 29-07-2025 2025-00321349
31-12-2023 volledig 24-05-2024 2024-00094990
31-12-2022 volledig 11-05-2023 2023-00085159
31-12-2022 micro 02-05-2023 2023-00073857
31-12-2021 volledig 15-07-2022 2022-20189230
31-12-2020 volledig 14-06-2021 2021-19800366
31-12-2019 volledig 19-08-2020 2020-42600328
31-12-2018 volledig 22-07-2019 2019-36200324
31-12-2017 volledig 09-07-2018 2018-31200525
31-12-2016 volledig 04-07-2017 2017-27600400
Directors & mandates 5 directors
Current directors & mandates
  • Françoise Heuten
    Director
    State Gazette act 22134952 (16-11-2022)
    Current
    07-06-2016 → present
    3 events
    • 16-11-2022 Mandate renewed· Director
    • 07-06-2016 Mandate renewed· Director
    • 07-06-2016 Appointed· Managing director
Historic, not recently confirmed (1)
These mandates remain open in the register but have not been confirmed by a new act in over six years. They do not count as active directors.
  • Terwinghe Jessica Déborah
    Director
    State Gazette act 19136505 (15-10-2019)
    Not recently confirmed
    last confirmed in an act from 2019
Former directors (3)
  • Tilmant Elisabeth
    Director
    State Gazette act 19109403 (12-08-2019)
    Former
    25-07-2019 → 27-09-2019
    2 events
    • 27-09-2019 Resigned· Director
    • 25-07-2019 Appointed· Director
  • Cloquet Guy
    Director
    State Gazette act 16077520 (07-06-2016)
    Former
    27-03-2015 → 25-07-2019
    3 events
    • 25-07-2019 Resigned· Director
    • 07-06-2016 Mandate renewed· Director
    • 27-03-2015 Appointed· Director
  • Jacqueline Heuten
    Director
    State Gazette act 15051160 (09-04-2015)
    Former
    - → 25-02-2015
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Legal Structure
NACE primary 20420
Legal form Public limited company(014)
Incorporation30-06-2010
StatusActive
Postal code1020
Establishment units 1 location
"CosmXpert"
Pannenhuisstraat 22-24, 1020 BrusselVervaardiging van parfums en toiletartikelen
since 20102.189.947.224
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Brussels 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21815D0004/00Z005 Brussels 1,006 m² 1 · 849 m² 15.3 m · 4 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 18 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
03-04-2026
State Gazette act Open capture
Act object · General meeting · Officer reappointment · Mandate term
2025
29-07-2025
NBB filing Annual accounts filed
fiscal year 2024 · volledig
2024
24-05-2024
NBB filing Annual accounts filed
fiscal year 2023 · volledig
2023
11-05-2023
NBB filing Annual accounts filed
fiscal year 2022 · volledig
02-05-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
16-11-2022
State Gazette act Director changes
v3.2
15-07-2022
NBB filing Annual accounts filed
fiscal year 2021 · volledig
2021
14-06-2021
NBB filing Annual accounts filed
fiscal year 2020 · volledig
2020
19-08-2020
NBB filing Annual accounts filed
fiscal year 2019 · volledig
2019
15-10-2019
State Gazette act Director changes
v3.2
12-08-2019
State Gazette act Director changes
v3.2
22-07-2019
NBB filing Annual accounts filed
fiscal year 2018 · volledig
2018
09-07-2018
NBB filing Annual accounts filed
fiscal year 2017 · volledig
2017
04-07-2017
NBB filing Annual accounts filed
fiscal year 2016 · volledig
2016
07-06-2016
State Gazette act Director changes
v3.2
2015
09-04-2015
State Gazette act Director changes
v3.2
2014
06-03-2014
State Gazette act Registered-office change
v3.2
2010
20-12-2010
State Gazette act Statutes amendment
v3.2
Belgisch Staatsblad, acts 8 acts
Address history · 1
06-03-2014
v3.2
All acts · 8 updated 3 months ago
2026
03-04-2026 Act object · General meeting · Officer reappointment · Mandate term Open-capture extraction
  • Act object: Renouvellement du mandat d'administrateur · CosmXpert
  • General meeting: date: 2026-03-17 · CosmXpert
  • Officer reappointment: role: administrateur délégué, end_date: 2032, start_date: 2026-03-17 · Heuten Françoise Sylvie
  • Officer reappointment: role: administrateur, end_date: 2032, start_date: 2026-03-17 · Terwinghe Jessica Deborah
  • Mandate term: duration: six ans, end_event: Assemblée Générale Ordinaire de 2032 · Heuten Françoise Sylvie
  • Mandate term: duration: six ans, end_event: Assemblée Générale Ordinaire de 2032 · Terwinghe Jessica Deborah
  • Power of attorney: scope: accomplir toutes les formalités nécessaires auprès du Moniteur belge et effectuer toutes démarches légales s'y rapportant · Francis Huygens
  • Filing: date: 2026-03-27 · CosmXpert
  • Publication: date: 2026-04-03 · CosmXpert
Summary: Act object · General meeting · Officer reappointment · Mandate term
Technical details 
{
  "facts": [
    {
      "type": "act_object",
      "quote": "Objet de l\u0027acte: Renouvellement du mandat d\u0027administrateur",
      "value": "Renouvellement du mandat d\u0027administrateur",
      "object": null,
      "subject": "e1"
    },
    {
      "type": "general_meeting",
      "quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale du 17 mars 2026 a pris les d\u00E9cisions suivantes :",
      "value": {
        "date": "2026-03-17"
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      "object": null,
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    {
      "type": "officer_reappointment",
      "quote": "Le mandat de Madame Heuten Fran\u00E7oise Sylvie, administrateur d\u00E9l\u00E9gu\u00E9, ... est renouvel\u00E9 \u00E0 compter du 17 mars 2026 pour une dur\u00E9e de six ans, soit jusqu\u0027\u00E0 l\u0027Assembl\u00E9e G\u00E9n\u00E9rale Ordinaire de 2032.",
      "value": {
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      "object": "e1",
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    },
    {
      "type": "officer_reappointment",
      "quote": "Le mandat de ... Madame Terwinghe Jessica Deborah, administrateur, est renouvel\u00E9 \u00E0 compter du 17 mars 2026 pour une dur\u00E9e de six ans, soit jusqu\u0027\u00E0 l\u0027Assembl\u00E9e G\u00E9n\u00E9rale Ordinaire de 2032.",
      "value": {
        "role": "administrateur",
        "end_date": "2032",
        "start_date": "2026-03-17"
      },
      "object": "e1",
      "subject": "e3"
    },
    {
      "type": "mandate_term",
      "quote": "pour une dur\u00E9e de six ans, soit jusqu\u0027\u00E0 l\u0027Assembl\u00E9e G\u00E9n\u00E9rale Ordinaire de 2032.",
      "value": {
        "duration": "six ans",
        "end_event": "Assembl\u00E9e G\u00E9n\u00E9rale Ordinaire de 2032"
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      "subject": "e2"
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    {
      "type": "mandate_term",
      "quote": "pour une dur\u00E9e de six ans, soit jusqu\u0027\u00E0 l\u0027Assembl\u00E9e G\u00E9n\u00E9rale Ordinaire de 2032.",
      "value": {
        "duration": "six ans",
        "end_event": "Assembl\u00E9e G\u00E9n\u00E9rale Ordinaire de 2032"
      },
      "object": "e1",
      "subject": "e3"
    },
    {
      "type": "power_of_attorney",
      "quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale donne mandat \u00E0 Francis Huygens, mandataire de la Fiduciaire UNID (BE0732752747), pour accomplir toutes les formalit\u00E9s n\u00E9cessaires aupr\u00E8s du Moniteur belge et effectuer toutes d\u00E9marches l\u00E9gales s\u0027y rapportant.",
      "value": {
        "scope": "accomplir toutes les formalit\u00E9s n\u00E9cessaires aupr\u00E8s du Moniteur belge et effectuer toutes d\u00E9marches l\u00E9gales s\u0027y rapportant"
      },
      "object": "e1",
      "subject": "e4"
    },
    {
      "type": "filing",
      "quote": "D\u00E9os\u00E9 / Re\u00E7u le 27 MARS 2026",
      "value": {
        "date": "2026-03-27"
      },
      "object": null,
      "subject": "e1"
    },
    {
      "type": "publication",
      "quote": "Bijlagen bij het Belgisch Staatsblad-03/04/2026",
      "value": {
        "date": "2026-04-03"
      },
      "object": null,
      "subject": "e1"
    }
  ],
  "act_meta": {
    "model_id": 40,
    "extractor": "open-capture-27b-v3",
    "ocr_chars": 1508,
    "truncated": false,
    "needs_verify": false
  },
  "entities": [
    {
      "id": "e1",
      "kbo": "0827.472.356",
      "kind": "company",
      "name": "CosmXpert",
      "attrs": {
        "address": "Rue du Pannenhuys 22-24 - 1020 Laeken",
        "legal_form": "SA"
      }
    },
    {
      "id": "e2",
      "kbo": null,
      "kind": "person",
      "name": "Heuten Fran\u00E7oise Sylvie",
      "attrs": {
        "role": "administrateur d\u00E9l\u00E9gu\u00E9"
      }
    },
    {
      "id": "e3",
      "kbo": null,
      "kind": "person",
      "name": "Terwinghe Jessica Deborah",
      "attrs": {
        "role": "administrateur"
      }
    },
    {
      "id": "e4",
      "kbo": null,
      "kind": "person",
      "name": "Francis Huygens",
      "attrs": {
        "role": "mandataire"
      }
    },
    {
      "id": "e5",
      "kbo": "0732.752.747",
      "kind": "org",
      "name": "Fiduciaire UNID",
      "attrs": {}
    }
  ]
}
2022
16-11-2022 Françoise Heuten reappointed as director Director changes
  • Françoise Heuten, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_renew",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Fran\u00E7oise Heuten",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "L\u0027assembl\u00E9e renouvelle pour une dur\u00E9e de six ans prenant fin \u00E0 l\u0027AGO 2028, le mandat d\u0027administrateur de Madame Fran\u00E7oise Heuten."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0827.472.356",
    "name_full": "COSMXPERT",
    "legal_form": "SA"
  }
}
2019
15-10-2019 1 director appointed, 1 resigning Director changes
  • Terwinghe Jessica Déborah, Bestuurder
  • Tilmant Elisabeth, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Terwinghe Jessica D\u00E9borah",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2019-09-27",
      "evidence_quote": "la nomination de Madame Terwinghe Jessica D\u00E9borah, domicili\u00E9e au 17 Waterhoflaan \u00E0 1750 Lennik en qualit\u00E9 d\u0027administrateur. Ce mandat prend effet \u00E0 partir du 27/09/2019 et se terminera le 26/09/2025."
    },
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Tilmant Elisabeth",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2019-09-27",
      "evidence_quote": "la d\u00E9mission de Madame Tilmant Elisabeth, administrateur depuis le 25/07/2019. Cette d\u00E9mission prend effet imm\u00E9diatement. La d\u00E9charge lui est donn\u00E9e pour l\u0027exercice de son mandat.",
      "discharge_granted": true
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0827.472.356",
    "name_full": "COSMXPERT",
    "legal_form": "SA"
  }
}
12-08-2019 1 director appointed, 1 resigning Director changes
  • Tilmant Elisabeth, Bestuurder
  • Cloquet Guy, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Cloquet Guy",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2019-07-25",
      "evidence_quote": "La d\u00E9mission de Monsieur Cloquet Guy, administrateur depuis le 27 mars 2015. Cette d\u00E9mission prend effet imm\u00E9diatement. La d\u00E9charge lui est donn\u00E9e pour l\u0027exercice de son mandat.",
      "discharge_granted": true
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Tilmant Elisabeth",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2019-07-25",
      "evidence_quote": "La nomination de Madame Tilmant Elisabeth, domicili\u00E9e Avenue Neerhof 1 \u00E0 1780 Wemmel en qualit\u00E9 d\u0027administrateur. Ce mandat prend effet \u00E0 partir du 25/07/2019 et se terminera le 24/07/2025."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0827.472.356",
    "name_full": "COSMXPERT",
    "legal_form": "SA"
  }
}
2016
07-06-2016 1 director appointed, 2 reappointed Director changes
  • Françoise Heuten, Gedelegeerd bestuurder
  • Guy Cloquet, Bestuurder
  • Françoise Heuten, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_renew",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Guy Cloquet",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "L\u0027assembl\u00E9e renouvelle pour une dur\u00E9e de six ans prenant fin \u00E0 l\u0027AGO 2022, les mandats d\u0027administrateur de Monsieur Guy Cloquet et de Madame Fran\u00E7oise Heuten."
    },
    {
      "kind": "director_renew",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Fran\u00E7oise Heuten",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "L\u0027assembl\u00E9e renouvelle pour une dur\u00E9e de six ans prenant fin \u00E0 l\u0027AGO 2022, les mandats d\u0027administrateur de Monsieur Guy Cloquet et de Madame Fran\u00E7oise Heuten."
    },
    {
      "kind": "director_in",
      "role": "gedelegeerd_bestuurder",
      "person": {
        "rrn": null,
        "name": "Fran\u00E7oise Heuten",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "Apr\u00E8s d\u00E9lib\u00E9ration, le conseil d\u0027administration, \u00E0 l\u0027unanimit\u00E9, d\u00E9cide de d\u00E9signer Madame Fran\u00E7oise Heuten en tant qu\u0027administrateur d\u00E9l\u00E9gu\u00E9 charg\u00E9 de la gestion journali\u00E8re de la soci\u00E9t\u00E9."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0827.472.356",
    "name_full": "COSMXPERT",
    "legal_form": "SA"
  }
}
2015
09-04-2015 1 director appointed, 1 resigning Director changes
  • Guy Cloquet, Bestuurder
  • Jacqueline Heuten, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Jacqueline Heuten",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2015-02-25",
      "evidence_quote": "la d\u00E9cision de mettre fin au mandat d\u0027administrateur de Madame Jacqueline Heuten et d\u00E9cide de mettre un terme \u00E9galement \u00E0 son mandat d\u0027administrateur d\u00E9l\u00E9gu\u00E9. Cette d\u00E9cision prend effet au 25/02/2015"
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Guy Cloquet",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2015-03-27",
      "evidence_quote": "la nomination en qualit\u00E9 d\u0027administrateur de Monsieur Guy Cloquet avec effet au 27/03/2015."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0827.472.356",
    "name_full": "COSMXPERT",
    "legal_form": "SA"
  }
}
2014
06-03-2014 Registered office moved from Waterloo to Bruxelles Registered-office change
  • Avenue Beau Vallon 52, 1410 Waterloo → Rue Pannenhuis 22-24, 1020 Bruxelles
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "statutaire",
      "new_address": {
        "city": "Bruxelles",
        "region": "Brussels Gewest",
        "street": "Rue Pannenhuis",
        "country": "BE",
        "postcode": "1020",
        "box_number": "2",
        "street_number": "22-24"
      },
      "old_address": {
        "city": "Waterloo",
        "region": "Vlaams Gewest",
        "street": "Avenue Beau Vallon",
        "country": "BE",
        "postcode": "1410",
        "box_number": null,
        "street_number": "52"
      },
      "effective_date": "2014-02-20",
      "evidence_quote": "Le conseil d\u0027administration du 19 f\u00E9vrier 2014 a d\u00E9cid\u00E9 de transf\u00E9rer le si\u00E8ge social avec effet au 20 f\u00E9vrier 2014: Rue Pannenhuis 22-24 boite 2 - 1020 Bruxelles"
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0827.472.356",
    "name_full": "COSMXPERT",
    "legal_form": "SA"
  }
}
2010
20-12-2010 Articles of association amended Statutes amendment
Summary: v3.2
Technical details 
{
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "statute_change": {
    "name_change": false,
    "seat_change": false,
    "object_change": false,
    "effective_date": "2010-11-23",
    "legal_form_change": false
  },
  "bedrijfsrevisor": null,
  "subject_company": {
    "kbo": "0827.472.356",
    "name_full": "COSMXPERT",
    "legal_form": "SA"
  },
  "signature_regime": null,
  "special_mandates": [],
  "governance_change": {
    "admin_delegated_added": []
  }
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Company registry (CBE) Crossroads Bank
Activities
Vervaardiging van parfums en toiletartikelen20420Vervaardiging van parfums en toiletartikelen20420Groothandel in parfumerieën en cosmetica46450Groothandel in parfumerieën en cosmetica46450Groothandel in parfumerieën en cosmetica46450Groothandel in parfumerieën en cosmetica46450Detailhandel in cosmetica en toiletartikelen in gespecialiseerde winkels47750Detailhandel in cosmetica en toiletartikelen47750
Primary activity highlighted.
Names & trade names
Legal nameFR CosmXpert
Registered office
Pannenhuisstraat 22-24 bus 2
1020 Brussel, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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MoAc Global BE 0755.960.887 · Merchtem
YNIOS Pharma BE 0783.494.239 · La Hulpe
A Round World BE 0466.184.869 · Wavre
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative