Equity
COSS CONSTRUCT has made a profit in every financial year since 2018.
COSS CONSTRUCT has made a profit in every financial year since 2018.
The result rose in 2025 from €89,500 to €181,080.
Debts rose by €563,302 in 2025.
Green is investment, beige is depreciation.
Latest accounts filed late: after the legal deadline.
Higher net result than 85% of companies in specialised construction. Sector median €26,646 · 9,965 companies.
The dashed line is the sector median: 0.7% across 47,696 companies (NACE 43, micro).
About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 28% of them on solvency, 66% on liquidity, 66% on profitability and 83% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
In July 2024, 2,684 companies had the same profile as COSS CONSTRUCT has now. Each dot stands for 7 companies, two years later.
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of COSS CONSTRUCT itself: 0.6% within 12 months.
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,684 companies, not a prediction for COSS CONSTRUCT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Liquidity is tight, with a current ratio of 1.3 (1.36 in 2024), below the usual 1.5. Short-term debt is 51.8% and cash 35.1% of total assets. 73.1% of the assets are financed with debt and provisions.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
The company filed its last 7 accounts on average 50 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
| Company | ||||
|---|---|---|---|---|
| COSS CONSTRUCT Berchem-Sainte-Agathe | €1.6m | €316,924 | 26.9% | - |
| MISPLON Dentergem | €1.4m | €370,936 | 28.2% | 1.2 |
| DEMEYERE GRONDWERKEN Kortrijk | €1.8m | €345,308 | 18.6% | 1.4 |
| Hance-Herrijgers Essen | €1.3m | €346,087 | 25.1% | - |
| KARA CONSTRUCTION Grâce-Hollogne | €1.8m | €376,630 | 24.0% | 2 |
| TIN CONSTRUCT Asse | €1.6m | €432,497 | 17.4% | 0 |
| M ROUCHET ET FILS Theux | €1.3m | €380,439 | 43.8% | - |
These companies have the same main activity as COSS CONSTRUCT: site preparation (NACE 43120). They are comparable in size and age: total assets between €1.3m and €1.8m, founded between 2016 and 2019.
COSS CONSTRUCT files the abbreviated format. That format states no turnover. The gross margin rose from €46,002 in 2018 to €316,924 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Turnover and EBIT margin are not published. The abbreviated or micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €870,000. Estimated: probably between €680,000 and €1.2m.
Higher than 29% of 9,973 companies in 2025.
Higher than 33% of 9,836 companies in 2025.
Higher than 71% of 9,905 companies in 2025.
Net result: top quarter · Equity: middle half · Balance sheet total: top quarter · Working capital: middle half
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Balance sheet: assets | |||||||||
20/58 |
1.6m | 852,544 | 622,233 | 366,391 | 218,102 | 208,157 | 106,509 | 60,709 | |
21/28 |
511,010 | 71,895 | 39,002 | 55,227 | 39,520 | 50,482 | 1,657 | - | |
22/27 |
511,010 | 71,895 | 39,002 | 55,227 | 39,520 | 50,482 | 1,657 | - | |
22 |
465,338 | - | - | - | - | - | - | - | |
23 |
6,774 | 10,688 | 4,530 | 3,438 | 1,660 | 2,786 | - | - | |
24 |
38,898 | 54,157 | 18,022 | 25,939 | 2,610 | 3,046 | 1,657 | - | |
25 |
- | 7,050 | 16,450 | 25,850 | 35,250 | - | - | - | |
29/58 |
1.0m | 780,649 | 583,231 | 311,164 | 178,582 | 157,675 | 104,852 | 60,709 | |
40/41 |
490,101 | 308,255 | 288,100 | 132,863 | 122,592 | 114,127 | 97,062 | 38,951 | |
40 |
340,270 | 226,071 | 229,721 | 90,319 | 94,510 | 92,715 | 80,879 | 35,177 | |
41 |
149,831 | 82,184 | 58,379 | 42,544 | 28,082 | 21,412 | 16,183 | 3,774 | |
54/58 |
545,144 | 465,070 | 289,649 | 176,076 | 55,990 | 43,463 | 7,316 | 21,758 | |
490/1 |
7,813 | 7,324 | 5,482 | 2,225 | - | 85 | 474 | - | |
| Balance sheet: equity and liabilities | |||||||||
10/49 |
1.6m | 852,544 | 622,233 | 366,391 | 218,102 | 208,157 | 106,509 | 60,709 | |
10/15 |
417,286 | 279,063 | 242,164 | 172,145 | 95,343 | 70,096 | 39,560 | 26,352 | |
10/11 |
18,600 | 18,600 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | |
10 |
- | - | 6,200 | 6,200 | 6,200 | - | - | - | |
100 |
- | - | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | |
101 |
- | - | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | |
11 |
18,600 | 18,600 | - | - | - | - | - | - | |
1109/19 |
18,600 | 18,600 | - | - | - | - | - | - | |
13 |
191,260 | 91,260 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | |
130/1 |
1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | - | - | |
130 |
- | - | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | |
1311 |
1,860 | 1,860 | - | - | - | - | - | - | |
133 |
189,400 | 89,400 | - | - | - | - | - | - | |
14 |
207,426 | 169,203 | 234,104 | 164,085 | 87,283 | 62,036 | 31,500 | 18,292 | |
17/49 |
1.1m | 573,481 | 380,069 | 194,246 | 122,759 | 138,061 | 66,949 | 34,357 | |
17 |
331,447 | - | 12,260 | 15,228 | 22,589 | 29,951 | - | - | |
170/4 |
331,447 | - | 12,260 | 15,228 | 22,589 | 29,951 | - | - | |
42/48 |
805,336 | 573,481 | 367,809 | 179,018 | 100,170 | 108,110 | 66,949 | 34,357 | |
42 |
13,968 | 12,236 | 6,684 | 8,582 | 7,362 | 7,362 | - | - | |
44 |
706,051 | 482,304 | 314,102 | 135,488 | 66,004 | 53,719 | 57,452 | 8,829 | |
440/4 |
706,051 | 482,304 | 314,102 | 135,488 | 66,004 | 53,719 | 57,452 | 8,829 | |
45 |
55,317 | 32,359 | 17,023 | 19,948 | 26,804 | 14,029 | 9,497 | 5,528 | |
450/3 |
55,317 | 32,359 | 17,023 | 19,948 | 14,804 | 14,029 | 9,497 | 5,528 | |
454/9 |
- | - | - | - | 12,000 | - | - | - | |
47/48 |
30,000 | 46,582 | 30,000 | 15,000 | - | 33,000 | - | 20,000 | |
| Income statement | |||||||||
9900 |
316,924 | 155,885 | 162,211 | 151,346 | 52,610 | 75,074 | 20,863 | 46,002 | |
630 |
46,468 | 32,604 | 23,027 | 14,351 | 12,162 | 3,875 | 829 | - | |
640/8 |
7,873 | 5,085 | 6,604 | 1,157 | 4,108 | 2,038 | 2,581 | - | |
66A |
- | - | - | 18,484 | - | - | - | - | |
9901 |
262,583 | 118,196 | 132,580 | 117,354 | 36,340 | 69,161 | 17,453 | 46,002 | |
75/76B |
4,614 | 3,200 | 2,151 | 1,877 | 1,626 | 3,389 | 759 | 131 | |
75 |
4,614 | 3,200 | 2,151 | 1,877 | 1,626 | 3,389 | 759 | 131 | |
65/66B |
10,728 | 1,918 | 3,114 | 4,062 | 2,639 | 1,552 | 1,036 | 454 | |
65 |
10,728 | 1,918 | 3,114 | 4,062 | 2,639 | 1,552 | 1,036 | 454 | |
9903 |
256,469 | 119,478 | 131,617 | 115,169 | 35,327 | 70,998 | 17,176 | 45,679 | |
67/77 |
75,389 | 29,978 | 31,598 | 23,367 | 10,081 | 7,461 | 3,969 | 5,527 | |
9904 |
181,080 | 89,500 | 100,019 | 91,802 | 25,246 | 63,537 | 13,207 | 40,152 | |
9905 |
181,080 | 89,500 | 100,019 | 91,802 | 25,246 | 63,537 | 13,207 | 40,152 | |
| Appropriation of the result | |||||||||
9906 |
350,283 | 323,603 | 264,104 | 179,085 | 87,283 | 95,036 | 31,500 | 40,152 | |
14P |
169,203 | 234,103 | 164,085 | 87,283 | 62,037 | - | - | - | |
691/2 |
100,000 | 89,400 | - | - | - | - | - | 1,860 | |
6920 |
- | - | - | - | - | - | - | 1,860 | |
6921 |
100,000 | 89,400 | - | - | - | - | - | - | |
694/7 |
42,857 | 65,000 | 30,000 | 15,000 | - | 33,000 | - | 20,000 | |
694 |
42,857 | 65,000 | - | - | - | - | - | - | |
695 |
- | - | 30,000 | 15,000 | - | 33,000 | - | 20,000 | |
| Document | |||||||||
The notes to these accounts have 7 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 06-10-2026.
2025 annual accounts filed 67 days after the deadline. Filed on 6 October 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00550503.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | abbreviated format | 06-10-2026 | 2026-00550503 | |
| 31-12-2024 | micro format | 26-09-2025 | 2025-00529289 | |
| 31-12-2023 | micro format | 03-10-2024 | 2024-00493915 | |
| 31-12-2022 | micro format | 05-10-2023 | 2023-00475412 | |
| 31-12-2021 | micro format | 27-09-2022 | 2022-20438549 | |
| 31-12-2020 | micro format | 07-07-2021 | 2021-32100418 | |
| 31-12-2019 | micro format | 02-10-2020 | 2020-58600593 | |
| 31-12-2018 | micro format | 17-09-2019 | 2019-64700122 |
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| 309,051 | 150,800 | 155,607 | 131,705 | 48,502 | 73,036 | 18,282 | - | ||
| 227,548 | 122,104 | 123,046 | 106,153 | 37,408 | 67,412 | 14,036 | - | ||
| 487,263 | 65,497 | 7,961 | 30,058 | 1,200 | 52,699 | 2,486 | - | ||
| 80,074 | 175,421 | 113,573 | 120,086 | 12,527 | 36,147 | -14,442 | - | ||
| 237,722 | 207,168 | 215,422 | 132,146 | 78,412 | 49,565 | 37,903 | 26,352 | ||
| 26.9% | 32.7% | 38.9% | 47.0% | 43.7% | 33.7% | 37.1% | 43.4% | ||
| 1.30 | 1.36 | 1.59 | 1.74 | 1.78 | 1.46 | 1.57 | 1.77 | ||
| 2.72 | 2.06 | 1.57 | 1.13 | 1.29 | 1.97 | 1.69 | 1.30 | ||
| 43.4% | 32.1% | 41.3% | 53.3% | 26.5% | 90.6% | 33.4% | 152.4% | ||
| 11.7% | 10.5% | 16.1% | 25.1% | 11.6% | 30.5% | 12.4% | 66.1% | ||
| 28.81 | 78.62 | 49.97 | 32.42 | 18.38 | - | - | - |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
| Item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Tangible fixed assets | €487,263 | €65,497 | €7,961 | €30,058 | €1,200 |
| €46,468 | €32,604 | €23,027 | €14,351 | €12,162 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
The operating result for 2025 is 122% higher than in 2024 and the highest since 2018. It is a recovery after the fall in 2024.
Debt's share of the balance-sheet total rises from 67.3% to 73.1%. Equity and debt are higher.
COSS CONSTRUCT has no parent and no holdings in its annual accounts.
| Pro C&C Invest
establishment since 17-10-2023 · founded in 2023 |
total assets €156,674 (2025) 1001.299.029 |
| Marzoug, Mehdi (sole trader)
establishment since 01-07-2018 |
founded in 2018 0700.670.095 |
See the function holders in the KBO register.
Deadline for the 2026 accounts: 31-07-2027
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
| Establishment | Since | Unit number |
|---|---|---|
| Gentsesteenweg 1426 registered office 1082 Berchem-Sainte-Agathe | 22-05-2018 | 2.275.942.870 |
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 21003A0289/00V010 | 2,086 m² | 1 · 993 m² | 17.1 m · 5 |
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0696.674.091
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