COZETTE

Active

Private limited companyfounded 20241 yr activeHofbouwlaan 6, 9000 Gent, BelgiumKBO/BCE: BE 1017.706.083

The computed 12-month bankruptcy probability of COZETTE is 2.4% (moderate). The 2025 annual accounts show equity of €15k and a net result of €8k. Its solvency ranks better than 28% of 13270 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

52 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes

Profitability72

Solvency29

Growth-

Track record67

Bankruptcy probability, 12 months

2.4% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €500 at 30 days acceptable

Liquidity tight (current ratio 1.12; short-term debt: 46.1% and cash: 19.2% of total assets), and 95.7% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

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 →

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

4.3%

Return on assets

2.3%

Age of the figures

9 mo

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 filing

Deviation from the deadline

2025

30 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€15k

Total assets

€349k

Net result

€8k

Working capital

€19k

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition

Assets €349k

48.5%

51.5%

Fixed assets €169k

Current assets €180k

Equity and liabilities €349k

95.7%

Equity €15k

Debt €334k

Debt finances 95.7% of the balance-sheet total.

Key figures and ratios

2025 value

EBITDA

€44k

Cash flow

€34k

Solvency

4.3%

Current ratio

1.12

Quick ratio

1.09

Debt / equity

22.31

ROE

53.3%

ROA

2.3%

Interest coverage

9.35

Debt

€334k

Debt ≤ 1 year

€161k

Debt > 1 year

€173k

Income taxes

€5k

Staff costs

€83k

Filed annual accounts

As filed with the NBB · 2025

Balance sheet Code2025

Assets

Total assets20/58€349k

Fixed assets21/28€169k

Intangible fixed assets21€792

Tangible fixed assets22/27€169k

Land and buildings22€105k

Plant, machinery and equipment23€24k

Furniture and vehicles24€39k

Current assets29/58€180k

Stocks and contracts in progress3€5k

Stocks30/36€5k

Amounts receivable within one year40/41€107k

Trade receivables40€248

Other amounts receivable41€107k

Cash at bank and in hand54/58€67k

Deferred charges and accrued income490/1€895

Equity and liabilities

Total equity and liabilities10/49€349k

Equity10/15€15k

Contributions10/11€7k

Reserves13€8k

Distributable reserves133€8k

Amounts payable17/49€334k

Amounts payable after more than one year17€173k

Financial debts170/4€173k

Amounts payable within one year42/48€161k

Current portion of amounts payable after more than one year42€21k

Trade debts44€95k

Suppliers440/4€95k

Advances received on contracts in progress46€3k

Taxes, remuneration and social security45€35k

Taxes450/3€25k

Remuneration and social security454/9€10k

Other amounts payable47/48€6k

Accrued charges and deferred income492/3€542

Income statement Code2025

Remuneration, social security and pensions62€83k

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k

Other operating charges640/8€7k

Gross operating margin9900€134k

Operating profit (loss)9901€18k

Financial income75/76B€13

Recurring financial income75€13

Financial charges65/66B€5k

Recurring financial charges65€5k

Profit (loss) for the period before taxes9903€13k

Income taxes67/77€5k

Profit (loss) for the period9904€8k

Profit (loss) for the period to be appropriated9905€8k

Appropriation of the result

Profit (loss) to be appropriated9906€8k

Transfer to equity691/2€8k

To other reserves6921€8k

The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 1Filings 1

2026

01-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

NBB filing

Directors · office · real estate

Directors

1 act for this company is 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, Gent · 1 establishment unit since 2024

establishment The establishment unit on the map

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.

Hofbouwlaan 69000 Gent

Ground area

163 m²

Building footprint

79 m²

Volume, LiDAR

803 m³

Parcel 44808H0001/00G013, Flanders · tallest building 16.9 m, ±4 floors. Linked by address, not a title deed.

1 establishment unit

COZETTE

Hofbouwlaan 6, 9000 GentFood and beverage service activities

since 20242.369.205.994

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
44808H0001/00G013	Flanders	163 m²	1 · 79 m²	16.9 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 site

Gent2.369.205.994

1 permission

Toelating · Eetgelegenheid · since 19-02-2025

Similar companies · same sector, comparable size

DE RUST

BE 0805.959.340

Dendermonde · Eq €15k

Maraille Praat- en Eetcafé

Of 20,495 companies in sector 56111 we hold annual accounts for 11,458. 8,171 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded19-12-2024

Fiscal year end31-12

Activities, NACEBEL

56111Full-service restaurants

56210Event catering

82990Other business support services

Sources

Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers

Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.