Active BE 0752.710.793Private limited companyOpen bankruptcy

COSY HOUSE DESIGN

Rue de Libersart(TSL) 1 ·1457 Walhain, Belgium· 6 yrs active

Sector: Algemene bouw van residentiële gebouwen (41001)

Conclusion Checked

A bankruptcy procedure is open for COSY HOUSE DESIGN according to publications in the Belgian State Gazette. The file additionally contains 2 judicial reorganisations. The 2023 annual accounts show negative equity (€-197k) and a net result of €-212k.

Based on the State Gazette, CBE and 4 annual accounts.

Key figures

Equity	€-197k
Net result	€-212k
Better than sector	8%
Active	6 yrs

Financial profile 5 of 5 axes measured · computed by Checked

38 / 100

Fragile profile, watch health in particular.

All 5 axes are computed from data Checked has read.

Health 0

Profitability 100

Solvency 37

Growth 55

Stability 0

Bankruptcy probability (12 mo) Checked model v1 · free

Bankruptcy opened

A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.

Risk Assessment rule-based

70 / 100

Severe riskRegister: open bankruptcy

This score counts publications in the Belgian State Gazette only. The KBO register additionally records legal situation 050 for this company; it does not feed the figure above.

Components

· 2 judicial reorganisations (+20)

· Open bankruptcy (+50)

Trust signals 2 signals

Register: open bankruptcy

The KBO register records legal situation 050 for this company. This is today's state according to the register itself; the register carries no start date.

Open bankruptcy

Active bankruptcy procedure in the Belgisch Staatsblad. Claims are handled by the appointed curator.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Health barometer FY 2023 · computed

0 / 100 Critical

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2023 and an insolvency signal from the Belgian State Gazette. Indicative, not credit advice.

Financial overview4 NBB filings

Annual accounts filed on 03-07-2024 with the NBB · fiscal year 2023 · micro

RevenueOperating resultNet result

Sector comparison

Fiscal year 2023 · NACE 41, Construction of buildings · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	-17.9%	37.5%	better than 8% of 3160 sector peers
Net result	€-212k	€9k	better than 5% of 3152 sector peers
Equity	€-197k	€25k	better than 5% of 3165 sector peers
Gross operating margin	€997k	€27k	better than 95% of 3146 sector peers
Staff costs	€1.15M	€20k	higher than 95% of 950 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Revenue

€2.79M

+183.8% 20-23

EBITDA

€-163k

- 20-23

Net profit

€-212k

- 20-23

Cash flow

€-167k

- 20-23

Total assets

€1.10M

+146.1% 20-23

Equity

€-197k

- 20-23

Working capital

€-451k

-440.2% 20-23

Employees (FTE)

13

+150.0% 20-23

Show 14 other metrics

Staff costs

€1.15M

+72.2% 20-23

Income taxes

€16k

+198.1% 20-23

Debt

€1.30M

+200.4% 20-23

Debt ≤ 1y

€1.27M

+219.1% 20-23

Debt > 1y

€29k

+28.5% 20-23

Current ratio

0.64

-18.4% 20-23

Quick ratio

0.50

-18.2% 20-23

Solvency

-17.9%

- 20-23

Debt / equity

-6.59

- 20-23

ROE

107.7%

-11.4% 20-23

ROA

-19.3%

- 20-23

Net margin

0.7%

- 20-23

EBITDA margin

2.4%

+76.6% 20-23

Interest coverage

-42.45

- 20-23

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2023
Deposit	micro
Revenue	-
EBITDA	€-163k
Net profit	€-212k
Cash flow	€-167k
Staff costs	€1.15M
Income taxes	-
Dividends	-
Total assets	€1.10M
Equity	€-197k
Debt	€1.30M
of which ≤ 1y	€1.27M
of which > 1y	€29k
Working capital	€-451k
Employees (FTE)	-

Ratios (computed)

	2023
Current ratio	0.64
Quick ratio	0.50
Working capital ratio	-41.0%
Solvency	-17.9%
Debt / equity	-6.59
Long-term debt ratio	-0.15
Interest coverage	-42.45
Gross margin	-
Net margin	-
ROA	-19.3%
ROE	107.7%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2023

Assets

Fixed assets €284k · 25.8% Current assets €817k · 74.2%

Full annual accounts (24 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2023
Balance sheet, Assets
TOTAL ASSETS	20/58	€1.10M
Fixed assets	21/28	€284k
Intangible fixed assets	21	€9k
Tangible fixed assets	22/27	€253k
Financial fixed assets	28	€22k
Current assets	29/58	€817k
Stocks & contracts in progress	3	€187k
Amounts receivable within one year	40/41	€496k
Cash & bank	54/58	€119k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€1.10M
Equity	10/15	€-197k
Contributions / capital	10/11	€5k
Accumulated profits (losses)	14	€-202k
Amounts payable	17/49	€1.30M
Amounts payable after one year	17	€29k
Amounts payable within one year	42/48	€1.27M
Trade debts payable within one year	44	€922k
Income statement
Gross operating margin	9900	€997k
Operating result	9901	€-208k
Financial income	75	€2k
Financial charges	65	€4k
Result before taxes	9903	€-212k
Net result for the period	9904	€-212k
Result to be appropriated	9905	€-212k

This table shows the latest fiscal year. 3 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Directors & mandates 3 directors

Current directors & mandates

DAVID INVEST SRLLegal entity
Director· perm. rep.: Becquevort David
State Gazette act 25016021 (30-01-2025)

Current
01-01-2025 → present

Former directors (2)

Becquevort David
Director
State Gazette act 24076198 (16-05-2024)

Former
18-04-2024 → 01-01-2025
2 events
- 01-01-2025 Resigned· Director
- 18-04-2024 Appointed· Director
Willem Anne-Catherine
Director
State Gazette act 24076198 (16-05-2024)

Former
- → 18-04-2024

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Directors & mandates1 person

Role	Name	Tenure	Source
Curator	DELPHINE DUQUESNOY RUE DE LA FONTAINE SAINT-GERY 9, 1450 0 CHASTRE	15-05-2025 → present	Belgian State Gazette

Legal Structure

NACE primary	Algemene bouw van residentiële gebouwen(41001)
Legal form	Private limited company(610)
Incorporation	18-08-2020
Status	Active
Postal code	1457
First BS signal	24-01-2025
Latest BS signal	22-05-2025

Establishment units 1 location

COSY HOUSE DESIGN

Rue de Libersart(TSL) 1, 1457 WalhainAlgemene bouw van residentiële gebouwen

since 20202.306.136.396

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.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
25104A0178/00R000	Wallonia	4,814 m²	1 · 480 m²	8.2 m · 2 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 9 events

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

2025

22-05-2025

Bankruptcy Opening

Tribunal de l’entreprise du Brabant wallon · COSY HOUSE DESIGN SRL RUE DE LIBERSART(TSL) 1, 1457 WALHAIN · event 15-05-2025

17-04-2025

Judicial reorganisation Plan homologation

Tribunal de l’entreprise du Brabant wallon · 20240039 · event 10-04-2025

30-01-2025

State Gazette act Director changes

24-01-2025

Judicial reorganisation Extension

Tribunal de l’entreprise du Brabant wallon · 20240039 · event 09-01-2025

2024

03-07-2024

NBB filing Annual accounts filed

fiscal year 2023 · micro

16-05-2024

State Gazette act Director changes

2023

11-08-2023

NBB filing Annual accounts filed

fiscal year 2022 · volledig

2022

15-06-2022

NBB filing Annual accounts filed

fiscal year 2021 · volledig

2021

06-07-2021

NBB filing Annual accounts filed

fiscal year 2020 · micro

Lifecycle & Insolvency Signals3 events

22-05-2025

Bankruptcy Opening

Date: 15-05-2025 · Tribunal de l’entreprise du Brabant wallon · COSY HOUSE DESIGN SRL RUE DE LIBERSART(TSL) 1, 1457 WALHAIN · Publications in State Gazette ↗

Full insolvency chronology

The full chronology lists every recorded event with its date, the competent court and the appointed liquidator or administrator. It answers at which stage the proceedings stand and whether they are still running.

We hold 2 further earlier events in this file, covering 09-01-2025 to 15-05-2025.

Available in Kantoor S. See plans →

Time machine, BS events + macro context 2021, 2026

Macro context

2020-Q2/Q3 COVID lockdown

2022 energy crisis

2023-2024 ECB rate hikes

Legend

Bankruptcy

Interim / reorg

KBO event

Belgian State Gazette reading coverage 0 of 5 acts read

We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 2 acts

All acts · 2 updated 1 year ago

2025

30-01-2025 1 director appointed, 1 resigning Director changes

Becquevort David, Bestuurder
Becquevort David, Bestuurder

Original publication ↗

Technical details

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2024

16-05-2024 1 director appointed, 1 resigning, 1 reappointed Director changes

Becquevort David, Bestuurder
Willem Anne-Catherine, Bestuurder
Becquevort David, Bestuurder

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Algemene bouw van residentiële gebouwen41001Slopen43110Bouwrijp maken van terreinen43120Schrijnwerk43320

Primary activity highlighted.

Names & trade names

Legal nameFR

COSY HOUSE DESIGN

Registered office

Rue de Libersart(TSL) 1

1457 Walhain, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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