Costa 2019

Active

Private limited company (pre-2019)founded 20197 yrs activeH. Consciencelaan 220, 1140 Evere, BelgiumKBO/BCE: BE 0722.876.266

The computed 12-month bankruptcy probability of Costa 2019 is 6.0% (elevated). The 2024 annual accounts show equity of €3k and a net result of €-2k. Equity is growing by ~16.4% per year across the filed fiscal years. Its solvency ranks better than 61% of 36376 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

56 / 100

Fair

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

Axes · tick = 2023

Profitability43▲+14

Solvency82▲+15

Growth62▼-2

Track record100

Bankruptcy probability, 12 months

6.0% Elevated

0%0.5%1.5%4%10%≥ 25%

No publishable credit limit; credit only on tighter terms

Liquidity tight (current ratio 1.32 against 1.59 in 2023; short-term debt: 43.2% and cash: 51.1% of total assets), and 43.2% 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.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

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

Gazette · bankruptcies per sector, NACE 43

Relative position

BE, all sectors

reference

Sector 43

higher

← fewer bankruptcies more bankruptcies →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

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 2024

Solvency, return and age of the figures

Solvency

56.8%

Return on assets

-48.9%

Age of the figures

21 mo

Persistent losses

Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.

NBB · annual accounts 2024

Net result per financial year

192021222324

2019 to 2024 · latest year €-2k

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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

not confirmed

2024

61 d late

2023

61 d late

2022

31 d late

2021

32 d late

2020

90 d late

2019

61 d late

← before the deadline after the 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 2024, micro schema

Turnover

€86k▲ 9.8%

2023 · €79k

2020: €50k 2021: €51k 2022: €79k 2023: €79k

2020 → 2024

EBIT margin

-2.7%▲ 2.1pp

2023 · -4.8%

2020: 1.6% 2021: 1.2% 2022: 9.5% 2023: -4.8%

2020 → 2024

Net result

€-2k▲ 36.9%

2023 · €-4k

2019: €621 2020: €635 2021: €295 2022: €6k 2023: €-4k

2019 → 2024

Working capital

€694▼ 70.8%

2023 · €2k

2019: €2k 2020: €2k 2021: €2k 2022: €7k 2023: €2k

2019 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Turnover€50k-€51k▲ 1.8%€79k▲ 55.3%€79k▼ 1.0%€86k▲ 9.8%

Equity€3k-€4k▲ 9.1%€9k▲ 160%€5k▼ 42.3%€3k▼ 46.3%

Operating result€797-€615▼ 22.8%€8k▲ 1,130%€-4k€-2k▲ 38.4%

Net result€635-€295▼ 53.5%€6k▲ 1,829%€-4k€-2k▲ 36.9%

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 €2k in 2024 against €4k in 2023; the loss shrinks.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €5k

43.0%

57.0%

Fixed assets €2k▼ 66.4%

Current assets €3k▼ 55.0%

Equity and liabilities €5k

56.8%

43.2%

Equity €3k▼ 46.3%

Debt €2k▼ 71.0%

The debt ratio falls from 58.5% to 43.2%. Equity and debt are lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€2k▲

2023 · €586

Cash flow

€2k▲

2023 · €433

Solvency

56.8%▲

2023 · 41.5%

Current ratio

1.32▼

2023 · 1.59

Quick ratio

1.32▼

2023 · 1.59

Debt / equity

0.76▼

2023 · 1.41

ROE

-86.2%▼

2023 · -73.3%

ROA

-48.9%▼

2023 · -30.4%

Interest coverage

12.84▲

2023 · 3.82

Debt

€2k▼

2023 · €8k

Debt ≤ 1 year

€2k▼

2023 · €4k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€13k€5k▼

Fixed assets21/28€6k€2k▼

Tangible fixed assets22/27€6k€2k▼

Furniture and vehicles24€6k€2k▼

Current assets29/58€6k€3k▼

Amounts receivable within one year40/41€4k€296▼

Trade receivables40€2k-

Other amounts receivable41€1k€296▼

Cash at bank and in hand54/58€3k€3k▼

Equity and liabilities

Total equity and liabilities10/49€13k€5k▼

Equity10/15€5k€3k▼

Contributions10/11€2k€2k=

Capital10€2k€2k=

Issued capital100€2k€2k=

Profit (loss) carried forward14€3k€863▼

Amounts payable17/49€8k€2k▼

Amounts payable after more than one year17€3k-

Financial debts170/4€3k-

Amounts payable within one year42/48€4k€2k▼

Trade debts44€2k€1k▼

Suppliers440/4€2k€1k▼

Taxes, remuneration and social security45€2k€406▼

Taxes450/3€2k€406▼

Other amounts payable47/48€565€565=

Income statement Code20232024

Turnover70€79k€86k▲

Goods, raw materials, services and sundry goods60/61€78k€84k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▼

Other operating charges640/8€512€783▲

Gross operating margin9900€1k€3k▲

Operating profit (loss)9901€-4k€-2k▲

Financial income75/76B€0-

Recurring financial income75€0-

Financial charges65/66B€153€153▼

Recurring financial charges65€153€153▼

Profit (loss) for the period before taxes9903€-4k€-2k▲

Profit (loss) for the period9904€-4k€-2k▲

Profit (loss) for the period to be appropriated9905€-4k€-2k▲

Appropriation of the result

Profit (loss) to be appropriated9906€3k€863▼

Profit (loss) brought forward from the previous period14P€7k€3k▼

The notes to these accounts (3 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 8Financial 2Filings 6

2025

30-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 61 days late

2024

30-09

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 61 days late

2023

31-12

Financial Weakest financial yearnet €-4k ▼169%

Net result drops to €-4k, the lowest in the series; recovery starts the following year.

31-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 31 days late

2022

31-12

Financial Highest result since 2019net €6k ▲1829%

Operating result €8k, net result €6k, both a record.

01-09

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 32 days late

2021

29-10

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 90 days late

2020

30-09

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 61 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, Evere

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.

H. Consciencelaan 2201140 Evere

Ground area

139 m²

Building footprint

139 m²

Volume, LiDAR

1,187 m³

Parcel 21372D0194/00T000, Brussels · tallest building 12.6 m, ±3 floors. Linked by address, not a title deed.

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21372D0194/00T000	Brussels	139 m²	1 · 139 m²	12.6 m · 3 fl.

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.

Similar companies · same sector, comparable size

Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 1,779 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company (pre-2019)

Founded18-03-2019

Fiscal year end31-12

Activities, NACEBEL

43990Other specialised construction activities

43999Specialised construction activities

Sources

Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers

Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.