COZI
ActiveCOZI has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €56k and a net result of €422. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 26% of 7293 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
61
/ 100
Healthy▼ -15 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability4▼-96
Solvency31▲+5
Growth32▼-26
Stability100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity tight (current ratio 1.23 against 1.17 in 2024), and 79.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
20.4%
Return on assets
0.2%
Age of the figures
11 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €56k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
7 d late
2023
on the day
2022
3 d late
2021
2 d late
2020
on the day
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
12-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€56k▲ 0.8%
2024 · €55k
2018: €87k
2019: €88k
2020: €11k
2021: €15k
2022: €15k
2023: €30k
2024: €55k
2018 → 2025
Total assets
€275k▼ 18.9%
2024 · €339k
2018: €253k
2019: €245k
2020: €407k
2021: €332k
2022: €256k
2023: €290k
2024: €339k
2018 → 2025
Net result
€422▼ 98.4%
2024 · €26k
2018: €5k
2019: €913
2020: €4k
2021: €3k
2022: €163
2023: €15k
2024: €26k
2018 → 2025
Working capital
€49k▲ 1.3%
2024 · €49k
2018: €82k
2019: €77k
2020: €-21k
2021: €-15k
2022: €2k
2023: €23k
2024: €49k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€15k-€15k▲ 1.1%€30k▲ 100%€55k▲ 86.9%€56k▲ 0.8%
Operating result€8k-€6k▼ 22.7%€20k▲ 239%€38k▲ 86.3%€4k▼ 89.7%
Net result€3k-€163▼ 95.0%€15k▲ 8,982%€26k▲ 73.8%€422▼ 98.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 90% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €275k
Fixed assets
€7k▼ 3.3%
Current assets
€268k▼ 19.2%
Equity and liabilities €275k
Equity
€56k▲ 0.8%
Debt
€219k▼ 22.8%
The debt ratio falls from 83.6% to 79.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€6k▼
2024 · €40k
Cash flow
€3k▼
2024 · €28k
Solvency
20.4%▲
2024 · 16.4%
Current ratio
1.23▲
2024 · 1.17
Quick ratio
1.23▲
2024 · 1.17
Debt / equity
3.91▼
2024 · 5.10
ROE
0.8%▼
2024 · 46.5%
ROA
0.2%▼
2024 · 7.6%
Interest coverage
3.36▼
2024 · 71.60
Debt
€219k▼
2024 · €283k
Debt ≤ 1 year
€219k▼
2024 · €283k
Income taxes
€3k▼
2024 · €11k
Staff costs
€329k▲
2024 · €278k
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€339k€275k▼
Fixed assets21/28€7k€7k▼
Tangible fixed assets22/27€7k€7k▼
Plant, machinery and equipment23€1k€757▼
Furniture and vehicles24€6k€6k▲
Current assets29/58€332k€268k▼
Amounts receivable within one year40/41€201k€165k▼
Trade receivables40€201k€164k▼
Other amounts receivable41-€1k
Cash at bank and in hand54/58€121k€97k▼
Deferred charges and accrued income490/1€10k€6k▼
Equity and liabilities
Total equity and liabilities10/49€339k€275k▼
Equity10/15€55k€56k▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€47k€48k▲
Amounts payable17/49€283k€219k▼
Amounts payable within one year42/48€283k€219k▼
Trade debts44€261k€201k▼
Suppliers440/4€261k€201k▼
Taxes, remuneration and social security45€21k€16k▼
Taxes450/3€13k€3k▼
Remuneration and social security454/9€8k€13k▲
Other amounts payable47/48€921€1k▲
Income statement
Code20242025
Remuneration, social security and pensions62€278k€329k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€10k€17k▲
Gross operating margin9900€327k€353k▲
Operating profit (loss)9901€38k€4k▼
Financial income75/76B€284€1k▲
Recurring financial income75€284€1k▲
Financial charges65/66B€557€2k▲
Recurring financial charges65€557€2k▲
Profit (loss) for the period before taxes9903€37k€3k▼
Income taxes67/77€11k€3k▼
Profit (loss) for the period9904€26k€422▼
Profit (loss) for the period to be appropriated9905€26k€422▼
Appropriation of the result
Profit (loss) to be appropriated9906€47k€48k▲
Profit (loss) brought forward from the previous period14P€22k€47k▲
The notes to these accounts (5 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
07-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 7 days late
2024
30-09
Financial
Highest result since 2018net €26k ▲73.8%
Operating result €38k, net result €26k, both a record.
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2022
30-09
Financial
Weakest financial yearnet €163 ▼95%
Net result drops to €163, the lowest in the series; recovery starts the following year.
02-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
2021
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
25-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-04
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
10 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, Brussel · 1 establishment unit since 2011
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.
Zwaardstraat 61000 BrusselGround area
285 m²
Building footprint
31 m²
Volume, LiDAR
356 m³
Parcel 21808H0525/00N000, Brussels · tallest building 14.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
COZI
since 20112.201.420.839
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21808H0525/00N000 | Brussels | 285 m² | 1 · 31 m² | 14.5 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.
Similar companies · same sector, comparable size
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PIXI CREATIONS
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BEDIC
BE 0737.501.292
Ganshoren · Eq €56k
BJ COMAN
BE 0667.858.658
Knokke-Heist · Eq €56k
REDECOR
BE 0862.157.873
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Of 29,531 companies in sector 41001 we hold annual accounts for 15,859. 12,984 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-06-2011
Fiscal year end30-09
Activities, NACEBEL
41001General construction of residential buildings
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
43331Floor and wall tiling
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.