COSY HOUSE
ActiveSummary
The computed 12-month bankruptcy probability of COSY HOUSE is 1.8% (moderate). The 2025 annual accounts show equity of €382k and a net result of €-22k. Equity is growing by ~10.8% per year across the filed fiscal years. Its solvency ranks better than 33% of 27786 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability53▼-15
Solvency56▼-1
Growth52=
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity tight (current ratio 1.39 against 1.4 in 2024; short-term debt: 39.5% and cash: 0.9% of total assets), and 68.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-22k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-06-2026, 36 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
36 d early
2024
59 d early
2023
40 d early
2022
53 d early
2021
27 d early
2020
36 d early
2019
50 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · 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 monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€382k▼ 5.5%
2024 · €404k
2018: €132k
2019: €126k
2020: €169k
2021: €417k
2022: €426k
2023: €413k
2024: €404k
2018 → 2025
Total assets
€1.22M▼ 3.6%
2024 · €1.27M
2018: €296k
2019: €587k
2020: €1.12M
2021: €1.41M
2022: €1.34M
2023: €1.30M
2024: €1.27M
2018 → 2025
Net result
€-22k▼ 164%
2024 · €-8k
2018: €-1k
2019: €-6k
2020: €43k
2021: €-52k
2022: €9k
2023: €-14k
2024: €-8k
2018 → 2025
Working capital
€190k▼ 1.5%
2024 · €193k
2018: €132k
2019: €126k
2020: €52k
2021: €179k
2022: €174k
2023: €183k
2024: €193k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€417k-€426k▲ 2.2%€413k▼ 3.2%€404k▼ 2.0%€382k▼ 5.5%
Operating result€-43k-€15k€-13k€-9k▲ 29.3%€-20k▼ 120%
Net result€-52k-€9k€-14k€-8k▲ 38.4%€-22k▼ 164%
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 €20k in 2025 against €9k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.22M
Fixed assets
€549k ▼ 7.2%
Current assets
€673k ▼ 0.3%
Equity and liabilities €1.22M
Equity
€382k ▼ 5.5%
Debt
€839k ▼ 2.7%
Debt's share of the balance-sheet total rises from 68.1% to 68.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€23k▼
2024 · €34k
Cash flow
€21k▼
2024 · €34k
Current ratio
1.39▼
2024 · 1.40
Quick ratio
0.34▼
2024 · 0.36
Debt to equity
2.20▲
2024 · 2.13
ROE
-5.8%▼
2024 · -2.1%
ROA
-1.8%▼
2024 · -0.7%
Interest coverage
4.37▼
2024 · 6.08
Debt ≤ 1 year
€482k▲
2024 · €482k
Debt > 1 year
€357k▼
2024 · €379k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.27M€1.22M▼
Fixed assets21/28€592k€549k▼
Tangible fixed assets22/27€592k€549k▼
Land and buildings22€592k€549k▼
Current assets29/58€675k€673k▼
Stocks and contracts in progress3€501k€507k▲
Stocks30/36€501k€507k▲
Amounts receivable within one year40/41€3k€904▼
Trade receivables40-€18
Other amounts receivable41€3k€886▼
Current investments50/53€158k€153k▼
Cash at bank and in hand54/58€12k€11k▼
Deferred charges and accrued income490/1€330€420▲
Equity and liabilities
Total equity and liabilities10/49€1.27M€1.22M▼
Equity10/15€404k€382k▼
Contributions10/11€450k€450k=
Profit (loss) carried forward14€-46k€-68k▼
Amounts payable17/49€862k€839k▼
Amounts payable after more than one year17€379k€357k▼
Financial debts170/4€379k€357k▼
Other amounts payable178/9€380€380=
Amounts payable within one year42/48€482k€482k▲
Current portion of amounts payable after more than one year42€22k€22k▲
Trade debts44€3k€3k▲
Suppliers440/4€3k€3k▲
Taxes, remuneration and social security45€239€152▼
Taxes450/3€239€152▼
Other amounts payable47/48€457k€457k=
Accrued charges and deferred income492/3€1k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€43k€43k▼
Other operating charges640/8€3k€3k▲
Gross operating margin9900€37k€26k▼
Operating profit (loss)9901€-9k€-20k▼
Financial income75/76B€6k€3k▼
Recurring financial income75€6k€3k▼
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€-8k€-22k▼
Profit (loss) for the period9904€-8k€-22k▼
Profit (loss) for the period to be appropriated9905€-8k€-22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-46k€-68k▼
Profit (loss) brought forward from the previous period14P€-37k€-46k▼
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
25-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
08-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-52k ▼221%
Net result drops to €-52k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €200kEq €417k ▲147%
Equity rises from €169k to €417k.
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €43k
Net result €43k after 2 loss-making years.
31-12
Financial
Equity above €150kEq €169k ▲34.2%
Equity rises from €126k to €169k.
11-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
03-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
05-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Brussel · 1 establishment unit since 2014
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.
Stiénonlaan 761020 BrusselGround area
157 m²
Building footprint
119 m²
Volume, LiDAR
1,381 m³
Parcel 21816H0098/00C004, Brussels · tallest building 13.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Allegaert Steven
since 20142.227.906.292
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21816H0098/00C004 | Brussels | 157 m² | 1 · 119 m² | 13.4 m · 4 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
DIAMANT SI
BE 0885.055.714
Brussel · Eq €382,243
M & M RENOVATION
BE 0883.751.954
Gent · Eq €381,730
ROVAPOOL
BE 0864.772.717
Kinrooi · Eq €382,777
RENOV'HOME CONCEPT
BE 0899.752.501
Jodoigne · Eq €382,806
THORSO
BE 0650.936.415
Ichtegem · Eq €382,837
Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 5,028 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-03-2014
Fiscal year end31-12
Activities, NACEBEL 2025
43990Other specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.