Cosy Units
ActiveCosy Units has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €220k and a net result of €21k. Its solvency ranks better than 33% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability45
Solvency56
Growth-
Track record85
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 1.67; short-term debt: 20.9% and cash: 2.7% of total assets), but 68.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 · 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
31.2%
Return on assets
2.9%
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 30-06-2026, 31 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
31 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€220k
Total assets
€706k
Net result
€21k
Working capital
€99k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €706k
Fixed assets
€459k
Current assets
€247k
Equity and liabilities €706k
Equity
€220k
Debt
€485k
Debt finances 68.8% of the balance-sheet total.
Key figures and ratios
EBITDA
€50k
Cash flow
€40k
Solvency
31.2%
Current ratio
1.67
Quick ratio
1.61
Debt / equity
2.20
ROE
9.4%
ROA
2.9%
Interest coverage
2.76
Debt
€485k
Debt ≤ 1 year
€147k
Debt > 1 year
€336k
Income taxes
€2k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€706k
Fixed assets21/28€459k
Intangible fixed assets21€4k
Tangible fixed assets22/27€455k
Land and buildings22€448k
Plant, machinery and equipment23€6k
Furniture and vehicles24€439
Current assets29/58€247k
Amounts receivable after more than one year29€186k
Other amounts receivable291€186k
Stocks and contracts in progress3€9k
Stocks30/36€9k
Amounts receivable within one year40/41€7k
Trade receivables40€3k
Other amounts receivable41€4k
Cash at bank and in hand54/58€19k
Deferred charges and accrued income490/1€24k
Equity and liabilities
Total equity and liabilities10/49€706k
Equity10/15€220k
Contributions10/11€1k
Reserves13€225k
Distributable reserves133€225k
Profit (loss) carried forward14€-5k
Amounts payable17/49€485k
Amounts payable after more than one year17€336k
Financial debts170/4€336k
Amounts payable within one year42/48€147k
Current portion of amounts payable after more than one year42€22k
Trade debts44€41k
Suppliers440/4€41k
Taxes, remuneration and social security45€3k
Taxes450/3€3k
Other amounts payable47/48€81k
Accrued charges and deferred income492/3€1k
Income statement
Code2025
Non-recurring operating income76A€1k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k
Other operating charges640/8€3k
Gross operating margin9900€53k
Operating profit (loss)9901€31k
Financial income75/76B€12k
Recurring financial income75€12k
Financial charges65/66B€20k
Recurring financial charges65€18k
Non-recurring financial charges66B€2k
Profit (loss) for the period before taxes9903€22k
Income taxes67/77€2k
Profit (loss) for the period9904€21k
Profit (loss) for the period to be appropriated9905€21k
Appropriation of the result
Profit (loss) to be appropriated9906€-5k
Profit (loss) brought forward from the previous period14P€-26k
Transfer from equity791/2€81k
Profit to be distributed694/7€81k
Return on contributions (dividend)694€81k
The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
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, Herk-de-Stad · 1 establishment unit since 2018
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.
Industrieweg 11563540 Herk-de-StadGround area
2,453 m²
Building footprint
608 m²
Volume, LiDAR
2,777 m³
2 parcels, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Nachtegaalstraat 85, 3540 Herk-de-Stad
since 20182.273.330.008
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71024A0245/00W000 | Flanders | 1,341 m² | 1 · 434 m² | 9.1 m · 2 fl. |
| 71003A0222/00L000 | Flanders | 1,111 m² | 1 · 174 m² | 8.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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EVUM
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JEAN-LUC ARNDT
BE 0860.165.415
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M-DAK
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Groendaken
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Ranst · Eq €221k
Of 8,563 companies in sector 43410 we hold annual accounts for 4,355. 3,551 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-01-2018
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.