CosyAtHome
ActiveThe computed 12-month bankruptcy probability of CosyAtHome is 1.6% (moderate). The 2024 annual accounts show negative equity (€-40k) and a net result of €7k. Equity is shrinking by ~250.8% per year across the filed fiscal years. Its solvency ranks better than 7% of 4355 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
44
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability89▲+89
Solvency0▼-20
Growth58▲+26
Track record94
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.53 against 1.05 in 2023; short-term debt: 172% and cash: 15.9% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 74
Relative position
BE, all sectors
reference
Sector 74
lower
← fewer bankruptcies
more bankruptcies →
raises risk · 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 2024Solvency, return and age of the figures
Solvency
-94.8%
Return on assets
16%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 7% of 4355 sector peers (2024).
NBB · sector comparisonPosition among 4355 sector peers
Solvency
better than 7%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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 · 3 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
8 d late
2022
51 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€-40k▼ 1,447%
2023 · €-3k
2022: €10k
2023: €-3k
2022 → 2024
Total assets
€42k▼ 13.1%
2023 · €48k
2022: €50k
2023: €48k
2022 → 2024
Net result
€7k
2023 · €-12k
2022: €5k
2023: €-12k
2022 → 2024
Working capital
€-34k
2023 · €2k
2022: €18k
2023: €2k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€10k-€-3k€-40k▼ 1,447%
Operating result€6k-€-13k€7k
Net result€5k-€-12k€7k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €7k after a loss of €13k in 2023, the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €42k
Fixed assets
€4k▼ 25.9%
Current assets
€38k▼ 11.7%
Key figures and ratios
EBITDA
€9k▲
2023 · €-11k
Cash flow
€8k▲
2023 · €-11k
Solvency
-94.8%▼
2023 · -5.3%
Current ratio
0.53▼
2023 · 1.05
Quick ratio
0.49▲
2023 · 0.30
Debt / equity
-2.05▲
2023 · -19.77
ROA
16.0%▲
2023 · -25.8%
Interest coverage
13.43▲
2023 · -34.40
Debt
€82k▲
2023 · €51k
Debt ≤ 1 year
€72k▲
2023 · €41k
Income taxes
€73▲
2023 · €0
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€48k€42k▼
Fixed assets21/28€5k€4k▼
Tangible fixed assets22/27€5k€4k▼
Land and buildings22€1k€992▼
Plant, machinery and equipment23€807€404▼
Furniture and vehicles24€3k€2k▼
Current assets29/58€43k€38k▼
Stocks and contracts in progress3€31k€3k▼
Stocks30/36€31k€3k▼
Amounts receivable within one year40/41€7k€28k▲
Trade receivables40€7k€28k▲
Cash at bank and in hand54/58€5k€7k▲
Deferred charges and accrued income490/1€367€101▼
Equity and liabilities
Total equity and liabilities10/49€48k€42k▼
Equity10/15€-3k€-40k▼
Contributions10/11€5k€10k▲
Profit (loss) carried forward14€-8k€-50k▼
Amounts payable17/49€51k€82k▲
Amounts payable within one year42/48€41k€72k▲
Trade debts44€5k€2k▼
Suppliers440/4€5k€2k▼
Advances received on contracts in progress46€2k€2k▲
Taxes, remuneration and social security45€5k€32k▲
Taxes450/3€5k€5k▲
Remuneration and social security454/9-€27k
Other amounts payable47/48€31k€36k▲
Accrued charges and deferred income492/3€9k€10k▲
Income statement
Code20232024
Non-recurring operating income76A-€17k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Other operating charges640/8€384€2k▲
Gross operating margin9900€-11k€10k▲
Operating profit (loss)9901€-13k€7k▲
Financial income75/76B€360€239▼
Recurring financial income75€360€239▼
Financial charges65/66B€331€644▲
Recurring financial charges65€331€644▲
Profit (loss) for the period before taxes9903€-12k€7k▲
Income taxes67/77€0€73▲
Profit (loss) for the period9904€-12k€7k▲
Profit (loss) for the period to be appropriated9905€-12k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-8k€-50k▼
Profit (loss) brought forward from the previous period14P€5k€-56k▼
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
08-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 8 days late
2023
31-12
Financial
Weakest financial yearnet €-12k ▼354%
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
20-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 51 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Dilbeek · 2 establishment units since 2021
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.
E. Eylenboschstraat 211703 DilbeekGround area
351 m²
Building footprint
289 m²
Volume, LiDAR
2,253 m³
Parcel 23070A0140/03E003, Flanders · tallest building 12.5 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
CosyAtHome
since 20212.325.668.931
CosyAtHome
since 20212.325.669.030
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23070A0140/03E003 | Flanders | 351 m² | 1 · 289 m² | 12.5 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.
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Guillaume Thilly Design
BE 1008.742.392
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Of 1,451 companies in sector 74130 we hold annual accounts for 341. 231 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-11-2021
Fiscal year end31-12
Activities, NACEBEL
74104Other professional, scientific and technical activities
74130Interior design
13910Manufacture of textiles
14100Manufacture of wearing apparel
14310Manufacture of wearing apparel
46150Agents in the wholesale of furniture, household goods and hardware
46190Agents in non-specialised wholesale trade
47512Retail sale of household textiles and bedding
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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:info@cosyathome.be
Phone:0478/848031