KosCoM
ActiveKosCoM has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €349k and a net result of €98k. Equity is growing by ~17.4% per year across the filed fiscal years. Its solvency ranks better than 86% of 31487 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 7.26 against 18.24 in 2024), and 11.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
88.1%
Return on assets
24.8%
Age of the figures
17 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
7 d late
2022
3 d early
2021
33 d early
2020
37 d early
2019
7 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close12-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€349k▲ 12.3%
2024 · €310k
2019: €115k
2020: €142k
2021: €187k
2022: €232k
2023: €277k
2024: €310k
2019 → 2025
Total assets
€396k▲ 21.6%
2024 · €326k
2019: €126k
2020: €161k
2021: €238k
2022: €299k
2023: €332k
2024: €326k
2019 → 2025
Net result
€98k▲ 8.2%
2024 · €91k
2019: €10k
2020: €34k
2021: €52k
2022: €68k
2023: €72k
2024: €91k
2019 → 2025
Working capital
€292k▲ 15.7%
2024 · €252k
2019: €112k
2020: €138k
2021: €204k
2022: €163k
2023: €213k
2024: €252k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€187k-€232k▲ 24.3%€277k▲ 19.2%€310k▲ 12.0%€349k▲ 12.3%
Operating result€61k-€81k▲ 32.6%€90k▲ 10.9%€113k▲ 25.9%€122k▲ 7.3%
Net result€52k-€68k▲ 31.2%€72k▲ 5.3%€91k▲ 26.9%€98k▲ 8.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 7% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €396k
Fixed assets
€57k▼ 2.4%
Current assets
€339k▲ 26.8%
Equity and liabilities €396k
Equity
€349k▲ 12.3%
Debt
€47k▲ 208%
The debt ratio rises from 4.7% to 11.9%: debt grows faster than equity.
Key figures and ratios
EBITDA
€123k▲
2024 · €120k
Cash flow
€100k▲
2024 · €97k
Solvency
88.1%▼
2024 · 95.3%
Current ratio
7.26▼
2024 · 18.24
Quick ratio
7.26▼
2024 · 18.24
Debt / equity
0.14▲
2024 · 0.05
ROE
28.2%▼
2024 · 29.3%
ROA
24.8%▼
2024 · 27.9%
Interest coverage
206.29▲
2024 · 173.11
Debt
€47k▲
2024 · €15k
Debt ≤ 1 year
€47k▲
2024 · €15k
Income taxes
€27k▲
2024 · €26k
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€326k€396k▲
Fixed assets21/28€58k€57k▼
Tangible fixed assets22/27€8k€7k▼
Furniture and vehicles24€0-
Other tangible fixed assets26€8k€7k▼
Financial fixed assets28€50k€50k=
Current assets29/58€267k€339k▲
Amounts receivable after more than one year29€110k€113k▲
Other amounts receivable291€110k€113k▲
Amounts receivable within one year40/41€44k€41k▼
Trade receivables40€40k€41k▲
Other amounts receivable41€4k€311▼
Current investments50/53€27k€27k▲
Cash at bank and in hand54/58€85k€156k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€326k€396k▲
Equity10/15€310k€349k▲
Contributions10/11€25k€25k=
Reserves13€3k€3k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€3k€3k=
Profit (loss) carried forward14€283k€321k▲
Amounts payable17/49€15k€47k▲
Amounts payable within one year42/48€15k€47k▲
Current portion of amounts payable after more than one year42€0-
Financial debts43€32€136▲
Credit institutions430/8€32€136▲
Trade debts44€4k€655▼
Suppliers440/4€4k€655▼
Taxes, remuneration and social security45€10k€10k▼
Taxes450/3€10k€10k▼
Other amounts payable47/48€0€36k▲
Accrued charges and deferred income492/3€678€548▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€1k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€121k€125k▲
Operating profit (loss)9901€113k€122k▲
Financial income75/76B€4k€5k▲
Recurring financial income75€4k€5k▲
Financial charges65/66B€691€597▼
Recurring financial charges65€691€597▼
Profit (loss) for the period before taxes9903€117k€126k▲
Income taxes67/77€26k€27k▲
Profit (loss) for the period9904€91k€98k▲
Profit (loss) for the period to be appropriated9905€91k€98k▲
Appropriation of the result
Profit (loss) to be appropriated9906€340k€381k▲
Profit (loss) brought forward from the previous period14P€249k€283k▲
Profit to be distributed694/7€58k€60k▲
Return on contributions (dividend)694€58k€60k▲
The notes to these accounts (10 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
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Highest result since 2019net €98k ▲8.2%
Operating result €122k, net result €98k, both a record.
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Liquidity quadruplescurrent ratio 18.24
Current ratio from 4.91 to 18.24; short-term debt falls from €54k to €15k.
2023
07-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 7 days late
2022
28-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Equity above €200kEq €232k ▲24.3%
4 profitable years in a row build equity to €232k.
2021
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Equity above €150kEq €187k ▲31.5%
3 profitable years in a row build equity to €187k.
2020
24-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
24-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
28-10
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
1 director, no change since 2023
Cedric Koslowski
CurrentDirector · since 28-12-2023
28-12-2023
Appointed as Director
Location & real-estate footprint
Registered office, Lokeren · 1 establishment unit since 2014
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.
Reinaertdreef 239160 LokerenGround area
888 m²
Building footprint
171 m²
Volume, LiDAR
1,112 m³
Parcel 46004A0389/00B000, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
KosCoM
since 20142.231.248.735
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46004A0389/00B000 | Flanders | 888 m² | 1 · 171 m² | 10.4 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.
Similar companies · same sector, comparable size
MANAGEMENT EN TRANSLATION ASSOCIATES
BE 0404.687.760
Antwerpen · Eq €349k
M.F. INTERNATIONAL
BE 0464.250.413
Antwerpen · Eq €349k
Aquarius
BE 0872.763.141
Nazareth-De Pinte · Eq €348k
BUSINESS SEED
BE 0477.614.637
Orp-Jauche · Eq €349k
Reign
BE 0666.954.974
Kapellen · Eq €349k
Of 82,201 companies in sector 70200 we hold annual accounts for 52,400. 37,136 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-04-2014
Fiscal year end31-03
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
47120Other non-specialised retail sale
47910Retail trade
64200Holdings
64210Activities of holding companies
68201Renting and operating of own or leased residential real estate, excluding social housing
70100Activities of head offices
73110Advertising agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 11 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.