Cosy Lunch
ActiveThe computed 12-month bankruptcy probability of Cosy Lunch is 1.8% (moderate). The 2025 annual accounts show equity of €20k and a net result of €12k. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 59% of 13270 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability98▲+5
Solvency65▼-9
Growth78=
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.58 against 1.72 in 2024; short-term debt: 59.6% and cash: 81.1% of total assets), but 59.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
40.4%
Return on assets
23.1%
Age of the figures
9 mo
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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
28 d late
2023
29 d late
2022
3 d early
2021
29 d late
2020
9 d early
2019
4 d early
← before the deadline
after the deadline →
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€12k▲ 34.0%
2024 · €9k
2018: €-6k
2019: €745
2020: €21k
2021: €27k
2022: €-7k
2023: €-2k
2024: €9k
2018 → 2025
Working capital
€17k▲ 13.2%
2024 · €15k
2018: €5k
2019: €9k
2020: €33k
2021: €11k
2022: €9k
2023: €11k
2024: €15k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€31k-€24k▼ 21.3%€22k▼ 8.1%€22k=€20k▼ 8.3%
Operating result€32k-€-7k€-605▲ 90.8%€13k€17k▲ 32.1%
Net result€27k-€-7k€-2k▲ 70.2%€9k€12k▲ 34.0%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 32% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €51k
Fixed assets
€3k▼ 64.4%
Current assets
€48k▲ 29.6%
Equity and liabilities €51k
Equity
€20k▼ 8.3%
Debt
€30k▲ 31.2%
The debt ratio rises from 50.8% to 59.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€19k▼
2024 · €21k
Cash flow
€14k▼
2024 · €16k
Solvency
40.4%▼
2024 · 49.2%
Current ratio
1.58▼
2024 · 1.72
Quick ratio
1.43▼
2024 · 1.47
Debt / equity
1.48▲
2024 · 1.03
ROE
57.3%▲
2024 · 39.2%
ROA
23.1%▲
2024 · 19.3%
Interest coverage
38.66▲
2024 · 21.16
Debt
€30k▲
2024 · €23k
Debt ≤ 1 year
€30k▲
2024 · €21k
Income taxes
€5k▲
2024 · €4k
Staff costs
€44k▲
2024 · €35k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€45k€51k▲
Fixed assets21/28€9k€3k▼
Tangible fixed assets22/27€8k€3k▼
Furniture and vehicles24€8k€3k▼
Other tangible fixed assets26€833€119▼
Financial fixed assets28€300€300=
Current assets29/58€37k€48k▲
Stocks and contracts in progress3€5k€4k▼
Stocks30/36€5k€4k▼
Amounts receivable within one year40/41€482€2k▲
Trade receivables40-€2k
Other amounts receivable41€482€55▼
Cash at bank and in hand54/58€30k€41k▲
Deferred charges and accrued income490/1€552€2▼
Equity and liabilities
Total equity and liabilities10/49€45k€51k▲
Equity10/15€22k€20k▼
Contributions10/11€20k€20k=
Profit (loss) carried forward14€2k-
Amounts payable17/49€23k€30k▲
Amounts payable after more than one year17€2k-
Financial debts170/4€2k-
Amounts payable within one year42/48€21k€30k▲
Financial debts43€3k-
Credit institutions430/8€3k-
Trade debts44€4k€4k▲
Suppliers440/4€412€4k▲
Bills of exchange payable441€3k-
Taxes, remuneration and social security45€5k€12k▲
Taxes450/3€4k€7k▲
Remuneration and social security454/9€2k€5k▲
Other amounts payable47/48€9k€14k▲
Income statement
Code20242025
Remuneration, social security and pensions62€35k€44k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€2k▼
Other operating charges640/8€777€1k▲
Non-recurring operating charges66A-€311
Gross operating margin9900€57k€65k▲
Operating profit (loss)9901€13k€17k▲
Financial income75/76B€488€15▼
Recurring financial income75€15€15▼
Non-recurring financial income76B€473-
Financial charges65/66B€979€503▼
Recurring financial charges65€979€503▼
Profit (loss) for the period before taxes9903€13k€17k▲
Income taxes67/77€4k€5k▲
Profit (loss) for the period9904€9k€12k▲
Profit (loss) for the period to be appropriated9905€9k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€11k€14k▲
Profit (loss) brought forward from the previous period14P€2k€2k=
Profit to be distributed694/7€9k€14k▲
Return on contributions (dividend)694€9k€14k▲
The notes to these accounts (8 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Back to profitnet €9k
Net result €9k after 2 loss-making years.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-7k ▼125%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Highest result since 2018net €27k ▲25.4%
Operating result €32k, net result €27k, both a record.
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity triplescurrent ratio 10.67
Current ratio from 3.78 to 10.67.
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €745
Net result €745 after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 28 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 25 days late
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, Dinant · 1 establishment unit since 2016
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.
Rue de la Station 335500 DinantGround area
477 m²
Building footprint
128 m²
Volume, LiDAR
1,669 m³
Parcel 91034E0585/00A002, Wallonia · tallest building 14.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Cosy Lounge
since 20162.250.482.053
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91034E0585/00A002 | Wallonia | 477 m² | 2 · 128 m² | 14.7 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteDinant2.250.482.053
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Of 21,896 companies in sector 56112 we hold annual accounts for 9,785. 8,098 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-02-2016
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
47242Retail sale of chocolate and confectionery
47252Retail sale of beverages, general range
47279Other retail sale of food
47299Retail trade
56210Event catering
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:vince3670@live.be
Phone:082/745535