KOSA
ActiveKOSA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €3.74M and a net result of €453k. Equity is growing by ~10.4% per year across the filed fiscal years. Its solvency ranks better than 95% of 6144 sector peers (fiscal year 2024). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-06-2025, 38 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
not confirmed
2024
38 d early
2023
37 d early
2022
4 d early
2021
3 d early
2020
37 d early
2019
3 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€3.74M▲ 10.1%
2023 · €3.40M
2018: €2.10M
2019: €2.26M
2020: €2.52M
2021: €2.79M
2022: €3.07M
2023: €3.40M
2018 → 2024
Net result
€453k▲ 36.1%
2023 · €333k
2018: €108k
2019: €163k
2020: €259k
2021: €271k
2022: €282k
2023: €333k
2018 → 2024
Total assets
€3.80M▲ 3.9%
2023 · €3.66M
2018: €3.16M
2019: €3.17M
2020: €3.20M
2021: €3.20M
2022: €3.45M
2023: €3.66M
2018 → 2024
Solvency
98.4%▲ 5.6pp
2023 · 92.8%
2018: 66.3%
2019: 71.1%
2020: 78.6%
2021: 87.0%
2022: 89.0%
2023: 92.8%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€2.52M-€2.79M▲ 10.7%€3.07M▲ 10.1%€3.40M▲ 10.8%€3.74M▲ 10.1%
Operating result€56k-€80k▲ 42.6%€81k▲ 1.0%€70k▼ 13.8%€64k▼ 8.4%
Net result€259k-€271k▲ 4.6%€282k▲ 3.9%€333k▲ 18.1%€453k▲ 36.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 8% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €3.80M
Fixed assets
€3.08M=
Current assets
€727k▲ 24.2%
Equity and liabilities €3.80M
Equity
€3.74M▲ 10.1%
Debt
€60k▼ 77.2%
The debt ratio falls from 7.2% to 1.6%: equity grows while debt is paid down.
Key figures and ratios
Solvency
98.4%▲
2023 · 92.8%
ROE
12.1%▲
2023 · 9.8%
ROA
11.9%▲
2023 · 9.1%
Debt
€60k▼
2023 · €263k
Debt ≤ 1 year
€60k▼
2023 · €258k
Income taxes
€57k▲
2023 · €45k
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€3.66M€3.80M▲
Fixed assets21/28€3.08M€3.08M=
Financial fixed assets28€3.08M€3.08M=
Current assets29/58€585k€727k▲
Amounts receivable within one year40/41€73k€461k▲
Trade receivables40€14k-
Other amounts receivable41€59k€461k▲
Cash at bank and in hand54/58€508k€259k▼
Deferred charges and accrued income490/1€4k€6k▲
Equity and liabilities
Total equity and liabilities10/49€3.66M€3.80M▲
Equity10/15€3.40M€3.74M▲
Contributions10/11€1.93M€1.93M=
Reserves13€1.47M€1.82M▲
Distributable reserves133€1.47M€1.82M▲
Amounts payable17/49€263k€60k▼
Amounts payable within one year42/48€258k€60k▼
Trade debts44€3k€7k▲
Suppliers440/4€3k€7k▲
Taxes, remuneration and social security45€32k€45k▲
Taxes450/3€32k€45k▲
Other amounts payable47/48€223k€8k▼
Accrued charges and deferred income492/3€5k-
Income statement
Code20232024
Other operating charges640/8€1k€1k▲
Gross operating margin9900€71k€65k▼
Operating profit (loss)9901€70k€64k▼
Financial income75/76B€322k€457k▲
Recurring financial income75€322k€457k▲
Financial charges65/66B€14k€10k▼
Recurring financial charges65€14k€10k▼
Profit (loss) for the period before taxes9903€378k€510k▲
Income taxes67/77€45k€57k▲
Profit (loss) for the period9904€333k€453k▲
Profit (loss) for the period to be appropriated9905€333k€453k▲
Appropriation of the result
Profit (loss) to be appropriated9906€333k€453k▲
Transfer from equity791/2-€108k
Transfer to equity691/2€332k€453k▲
To other reserves6921€332k€453k▲
Profit to be distributed694/7€600€108k▲
Return on contributions (dividend)694€600€108k▲
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
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €453k ▲36.1%
Net result €453k, the highest in the series.
31-12
Financial
Liquidity times 5current ratio 12.14
Current ratio from 2.27 to 12.14; short-term debt falls from €258k to €60k.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity doublescurrent ratio 2.27
Current ratio from 0.98 to 2.27; short-term debt falls from €378k to €258k.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
05-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
23-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Kruisem · 1 establishment unit since 2015
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.
Passionistenstraat(KRU) 499770 KruisemGround area
1,623 m²
Building footprint
187 m²
Volume, LiDAR
944 m³
Parcel 45017A1838/00K000, Flanders · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
KOSA
since 20152.244.990.665
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45017A1838/00K000 | Flanders | 1,623 m² | 1 · 187 m² | 7.2 m · 2 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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Of 24,640 companies in sector 64210 we hold annual accounts for 19,693. 9,012 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-08-2015
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.