Age3 yrs
Real estate2 parcels · 311 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of KOSZ CONSTRUCT is 7.7% (elevated). The 2024 annual accounts show equity of €61k and a net result of €17k. Its solvency ranks better than 63% of 11078 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 2 administrative register entries (see administrative flags).
Based on the State Gazette, CBE and 1 annual account.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone7.7%
Elevated
0%0,5%1,5%4%10%≥25%
Young company
+Recent warning signals
+Higher-failure-rate sector
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Insolvency timeline
2 events26-09-2025
KBO administration
Address strikeout annulled
08-08-2025
KBO administration
Address struck
Trust signals
2 signalsMore than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administrative Flags
2 eventsAddress struckAddress strikeout annulled
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€17k
Working capital€60k
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 24-11-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 43, Specialised construction · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 51.7% | 40.9% | |
| Net result | €17k | €11k | |
| Equity | €61k | €34k | |
| Gross operating margin | €22k | €35k | |
| Total assets | €117k | €93k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2024 |
|---|---|
| Revenue | - |
| EBITDA | €22k |
| Net profit | €17k |
| Cash flow | €17k |
| Staff costs | - |
| Income taxes | €4k |
| Dividends | - |
| Total assets | €117k |
| Equity | €61k |
| Debt | €57k |
| of which ≤ 1y | €57k |
| of which > 1y | - |
| Working capital | €60k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 2.06 |
| Quick ratio | 2.06 |
| Working capital ratio | 51.4% |
| Solvency | 51.7% |
| Debt / equity | 0.93 |
| Long-term debt ratio | - |
| Interest coverage | 17.85 |
| Gross margin | - |
| Net margin | - |
| ROA | 14.3% |
| ROE | 27.7% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €117k |
| Fixed assets | 21/28 | €459 |
| Tangible fixed assets | 22/27 | €459 |
| Current assets | 29/58 | €117k |
| Amounts receivable within one year | 40/41 | €88k |
| Cash & bank | 54/58 | €28k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €117k |
| Equity | 10/15 | €61k |
| Contributions / capital | 10/11 | €6k |
| Accumulated profits (losses) | 14 | €55k |
| Amounts payable | 17/49 | €57k |
| Amounts payable within one year | 42/48 | €57k |
| Trade debts payable within one year | 44 | €45k |
| Income statement | ||
| Gross operating margin | 9900 | €22k |
| Operating result | 9901 | €21k |
| Financial income | 75 | €906 |
| Financial charges | 65 | €1k |
| Result before taxes | 9903 | €21k |
| Income taxes | 67/77 | €4k |
| Net result for the period | 9904 | €17k |
| Result to be appropriated | 9905 | €17k |
Ratios computed by Checked.
Health barometer
FY 2024 · computed93
/ 100
Excellent
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Structure & network
Locations & real estate
Establishment units
1 locationFrançois Bossaertsstraat 82, 1030 Schaarbeek
since 20242.358.758.205
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area311 m²
Buildings2
Building footprint164 m²
Volume (LiDAR)1,242 m³
Tallest building16.4 m · ±5 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24009A0565/00L002 | Flanders | 259 m² | 1 · 109 m² | 10.6 m · 1 fl. |
| 21904B0518/00R004 | Brussels | 52 m² | 1 · 55 m² | 16.4 m · 5 fl. |
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
2 events from the State Gazette26-09-2025
KBO administration
Address strikeout annulled
08-08-2025
KBO administration
Address struck
Time machine: BS events + macro context
2021-2026Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Analysis
Snowflake analysis
financial profile on 5 axes80
/ 100
Exceptional profile, strong across almost every axis.
Health
93
Profitability
100
Solvency
96
Growth
50
Stability
63
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Credit advice
verdict per customer and amountSimilar
Similar companies
Same sector, ranked by comparable sizeCompany registry
Company registry (CBE)
Crossroads BankActivities
Overige werkzaamheden in verband met de afwerking van gebouwen43350Overige werkzaamheden in verband met de afwerking van gebouwen43390Algemene bouw van residentiële gebouwen41001Algemene bouw van residentiële gebouwen41201Schilderen van gebouwen43341Schilderen van gebouwen43341Overige gespecialiseerde bouwactiviteiten, neg43990Restaureren van bouwwerken43995
Primary activity highlighted.
Names & trade names
| Legal nameNL | KOSZ CONSTRUCT |
Registered office
Tervuursesteenweg 92
3060 Bertem, Belgium
Registration history
- 26-09-2025 Address strikeout annulled
- 08-08-2025 Address struck
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.