Turnover
≈ €390,000 estimated
The micro format states no turnover.
COZETTE
Lifetime
1 annual account with figurespeak €133,526 (2025)
€133,526
peak €7,984 (2025)
€7,984
peak €14,984 (2025)
€14,984
€334,253
Board2 names since 2024
2 directorsDESNOUCK Dirtzen Petra and 1 other
Documentsfilings and deeds
01-07-202630 days before the deadline
2025micro format
First year with figures
Key points
from the 2025 annual accountsDebts
€334,253 96% of the balance sheet
Financial debts 52%Suppliers 29%Taxes and wages 11%Other 9%
Of this, €160,953 falls due within a year.
Starting capital
€7,000 700 shares
Checked score
54
Fair
Financially stronger than 45% of micro companies in food and beverage service (NACE 56)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.0% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.8% across 23,788 companies (NACE 56, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
01-2026: 3.9%
02-2026: 3.9%● unchanged vs 01-2026
03-2026: 4.1%▲ +0.2 percentage points vs 02-2026
04-2026: 4.4%▲ +0.3 percentage points vs 03-2026
05-2026: 4.6%▲ +0.2 percentage points vs 04-2026
06-2026: 4.9%▲ +0.3 percentage points vs 05-2026highest value
07-2026: 4.9%● unchanged vs 06-2026highest value
08-2026: 2.1%▼ -2.8 percentage points vs 07-2026
09-2026: 2.1%● unchanged vs 08-2026
10-2026: 2.0%▼ -0.1 percentage points vs 09-2026lowest value
11-2026: 2.0%● unchanged vs 10-2026lowest value
Financial strengthAverage
Score breakdown
raises risk
Sector: Food and beverage service activities (NACE 56)
Founded in 2024
Equity €14,984 (4.3% of total assets)
lowers risk
Size: total assets €349,237
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 56, micro). It does better than 29% of them on solvency, 54% on liquidity and 52% on profitability.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 514 companies had the same profile as COZETTE has now. Each dot stands for 2 companies, two years later.
96.9%
were still trading
1.2%
stopped another way
1.8%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of COZETTE itself: 2.0% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 514 companies, not a prediction for COZETTE. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.12, below the usual 1.5. Short-term debt is 46.1% and cash 19.2% of total assets. 95.7% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 · 1 filingDeviation from the deadline
2025
30 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Board and ownership
- DESNOUCK Dirtzen Petra 350 sharesdeed of 23-12-2024
- WILLAERT Turit Isabelle 350 sharesdeed of 23-12-2024
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1017706083
Incorporation
Founding capital of €7,000, 700 shares · Founders: DESNOUCK Dirtzen Petra and WILLAERT Turit Isabelle · Appointments: DESNOUCK Dirtzen Petra (director) and WILLAERT Turit Isabelle (director) · published on 23-12-2024 · Gazette deed
First establishment
Hofbouwlaan 6, Ghent
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| COZETTE Ghent | €349,237 | €133,526 | 4.3% | - |
| VerToi Mechelen | €323,878 | €143,154 | -3.2% | - |
| Bistro Billie Bilzen-Hoeselt | €329,052 | €114,881 | 3.5% | - |
| SUEB Zonnebeke | €373,514 | €112,421 | 13.1% | - |
| Brugwachtershuisje Temse | €371,581 | €182,092 | 9.3% | - |
| LaValérie Lochristi | €366,995 | €165,454 | -0.6% | - |
| FABRIECK Sint-Niklaas | €283,209 | €165,161 | -30.0% | - |
These companies have the same main activity as COZETTE: full-service restaurants (NACE 56111). They are comparable in size and age: total assets between €283,000 and €374,000, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 19-12-2024Normal situation
- Activity
- Full-service restaurantsNACE 56111and 2 others
- Joint committee
- 302Hotels and catering · annual accounts 2025
- Establishment unit
- 2.369.205.9949000 Ghent, since 19-12-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 09-12-2025
Annual accounts 2025
- €349,237
- Employeeson 31-12-2025
- 2
- Filing
- Filed on 01-07-2026, 30 days before the end of the filing period
Insights on COZETTE
The computed 12-month bankruptcy probability of COZETTE is 2.0% (moderate). The 2025 annual accounts show equity of €14,984 and a net result of €7,984.
Its solvency ranks better than 29% of 17,153 sector peers (NACE 56, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about COZETTE
- What is the company number of COZETTE?
- The company number of COZETTE is 1017.706.083. The VAT number is the same number with BE in front: BE 1017.706.083.
- Where is COZETTE based?
- The registered office is at Hofbouwlaan 6, 9000 Ghent.Company details
- What does COZETTE do?
- According to the KBO register, the main activity is full-service restaurants (NACE 56111).
- What is the legal form of COZETTE?
- COZETTE is a private limited company (BV).
- When was COZETTE founded?
- COZETTE was founded on 19-12-2024.
- Is COZETTE still active?
- Yes, COZETTE is an active enterprise in the KBO register.
- How many employees does COZETTE have?
- COZETTE had an average of 1.5 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does COZETTE fall under?
- In its 2025 annual accounts, COZETTE states joint committee 302 (Hotels and catering).
- What is the turnover of COZETTE?
- The turnover in financial year 2025 is ≈ €390,000. This figure is estimated from the gross margin of €133,526 and 87 comparable companies (NACE 56111). It probably lies between €320,000 and €470,000.
- Is COZETTE profitable?
- In financial year 2025, COZETTE made a profit of €7,984.
- Where can I find the annual accounts of COZETTE?
- COZETTE filed 1 annual account with the National Bank of Belgium, for financial year 2025.
Next steps
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