KOSZ CONSTRUCT
ActiveSummary
The computed 12-month bankruptcy probability of KOSZ CONSTRUCT is 7.1% (elevated). The 2025 annual accounts show equity of €69,957 and a net result of €9,257. Equity has been growing by about 26% per year since 2023. Its solvency ranks better than 23% of 35,008 sector peers (NACE 43, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency signals. The KBO does carry 2 administrative register entries.
Overview
Overview
Official details
Source: KBO- Status
- Active since 28-02-2023 Normal situation
- Activity
- Other building finishing work NACE 43350and 3 others
- Establishment unit
- 2.358.758.205 3060 Bertem, since 27-02-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 30-01-2026
Board and ownership
- KOSZ DamianDirector · since 28-02-2023
- KOSZ Damian100 sharesdeed of 02-03-2023
Financial position
- Bankruptcy probabilitywithin 12 months
- 7.1%
- Gross margin
- €14,731
- ▼ 33.7%
- Turnover
- ≈ €150,000
- estimated
- Profit
- €9,257
- ▼ 44.9%
- Equity
- €69,957
- ▲ 15.3%
- Total assets
- €330,132
- ▲ 181%
- 2025 accounts filed 25 days after the deadline
Score breakdownraises riskLast filed accounts filed 25 days late; 2 of the last 3 accounts lateEx-officio strike-off in the KBO1 change of registered office in 24 monthsFounded in 2023Show the evidence
Checked score
About 7 in 100 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 23% of them on solvency, 7% on liquidity, 43% on profitability and 62% on growth.
The bankruptcy probability was computed on 04-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the elevated class on 30-06-2025, 6.3% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 3 accounts on average 190 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (1)
Financials
Financials · financial year 2025, micro format
2025 annual accounts filed 25 days after the deadline Filed on 25 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00421684.
Annual accounts 2025 filed on 25-08-2026 at the NBB all 3 filings
Every figure per financial year
The operating result for 2025 is 35% lower than in 2024 and the lowest since 2023. It is the second fall in a row.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Investments
| Item | 2023 | 2024 | 2025 |
|---|---|---|---|
| Tangible fixed assets | €1,098 | - | - |
| Depreciation and write-downs of the year | €273 | €366 | €366 |
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €273 | €366 | €366 | = |
| Other operating charges640/8 | €384 | €524 | €519 | ▼ 1.0% |
| Gross operating margin9900 | €51,271 | €22,210 | €14,731 | ▼ 33.7% |
| Operating profit (loss)9901 | €50,613 | €21,320 | €13,846 | ▼ 35.1% |
| Financial income75/76B | €557 | €906 | €426 | ▼ 53.0% |
| Recurring financial income75 | €557 | €906 | €426 | ▼ 53.0% |
| Financial charges65/66B | €623 | €1,215 | €1,500 | ▲ 23.5% |
| Recurring financial charges65 | €623 | €1,215 | €1,500 | ▲ 23.5% |
| Profit (loss) for the period before taxes9903 | €50,548 | €21,012 | €12,772 | ▼ 39.2% |
| Income taxes67/77 | €12,637 | €4,222 | €3,515 | ▼ 16.7% |
| Profit (loss) for the period9904 | €37,911 | €16,790 | €9,257 | ▼ 44.9% |
| Profit (loss) for the period to be appropriated9905 | €37,911 | €16,790 | €9,257 | ▼ 44.9% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €118,012 | €117,301 | €330,132 | ▲ 181% |
| Fixed assets21/28 | €826 | €459 | €93 | ▼ 79.7% |
| Tangible fixed assets22/27 | €826 | €459 | €93 | ▼ 79.7% |
| Furniture and vehicles24 | €826 | €459 | €93 | ▼ 79.7% |
| Current assets29/58 | €117,186 | €116,842 | €330,039 | ▲ 182% |
| Amounts receivable after more than one year29 | - | - | €42,955 | - |
| Other amounts receivable291 | - | - | €42,955 | - |
| Amounts receivable within one year40/41 | €112,056 | €88,229 | €275,040 | ▲ 212% |
| Trade receivables40 | €87,566 | €77,127 | €266,045 | ▲ 245% |
| Other amounts receivable41 | €24,490 | €11,102 | €8,995 | ▼ 19.0% |
| Cash at bank and in hand54/58 | €5,130 | €27,722 | €11,653 | ▼ 58.0% |
| Deferred charges and accrued income490/1 | - | €890 | €391 | ▼ 56.1% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €118,012 | €117,301 | €330,132 | ▲ 181% |
| Equity10/15 | €43,911 | €60,700 | €69,957 | ▲ 15.3% |
| Contributions10/11 | €6,000 | €6,000 | €6,000 | = |
| Profit (loss) carried forward14 | €37,911 | €54,700 | €63,957 | ▲ 16.9% |
| Amounts payable17/49 | €74,101 | €56,601 | €260,175 | ▲ 360% |
| Amounts payable within one year42/48 | €74,101 | €56,601 | €260,175 | ▲ 360% |
| Financial debts43 | €1,667 | - | - | - |
| Credit institutions430/8 | €1,667 | - | - | - |
| Trade debts44 | €63,647 | €44,742 | €256,660 | ▲ 474% |
| Suppliers440/4 | €63,647 | €44,742 | €256,660 | ▲ 474% |
| Taxes, remuneration and social security45 | €8,787 | €11,859 | €3,515 | ▼ 70.4% |
| Taxes450/3 | €7,637 | €11,859 | €3,515 | ▼ 70.4% |
| Remuneration and social security454/9 | €1,150 | - | - | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €37,911 | €16,790 | €9,257 | ▼ 44.9% |
| + Depreciation and write-downs630 | €273 | €366 | €366 | = |
| Operating cash flow (approximation) | €38,184 | €17,156 | €9,623 | ▼ 43.9% |
| Investment in fixed assets (approximation) | - | €0 | €0 | - |
| Change in cash | - | €22,592 | -€16,069 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 2,542 companies had the same profile as KOSZ CONSTRUCT has now. Two years later, 95.0% were still going and 3.5% had gone bankrupt.
- Micro
- 2 to 5 years old
- solvency 10 to 30%
- a profit under 5% of the balance sheet
Another 0.3% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of KOSZ CONSTRUCT itself is higher: 7.1% within 12 months. It rests on far more data about KOSZ CONSTRUCT than the profile alone.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,542 companies, not a prediction for KOSZ CONSTRUCT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Board & ownership
Directors
Owners and capital
Shareholders
- KOSZ Damian 100 shares (100%) · €6,000 in cash
Capital transactions
- 03-02-2025 Capital stated in the deed · 100 shares
- 02-03-2023 Incorporation · €6,000 · 100 shares
Articles of association
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Openbaarmaking benoeming of beëindiging mandaat bestuurder, neerlegging in het vennootschapsdossier en publicatie in de Bijlagen bij het…”
Articles of association, deed of 03-02-2025 (in Dutch)
Network & group
KOSZ CONSTRUCT shares no director with another company.
Connections & network
1 current directorThe network starts from the directors of KOSZ CONSTRUCT. Every other company they run is a node.
Timeline
Deeds, filings and financial milestones
03-02
Gazette deed
Registered-office move · Amendment of the articlesRegistered office clause: François Bossaertsstraat 83/ET02, 1030 Schaarbeek3 points ▸
- Registered office clause, François Bossaertsstraat 83/ET02, 1030 Schaarbeek
- General meeting, 30-09-2024
- 100 shares
- The deed holds 4 more points.
02-03
Gazette deed
IncorporationFounding capital of €6,000, 100 shares · Founder: KOSZ Damian (fondateur souscripteur) · Appointment: KOSZ Damian (director)4 points ▸
- Incorporation, 27-02-2023
- Founder, KOSZ Damian (fondateur souscripteur)
- Founding capital, €6,000, 100 shares
- Director appointment, KOSZ Damian (director (not named in the articles))
- The deed holds 1 more point.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
6 activities
- De vennootschap kan zich ook bezighouden met de verkoop, al dan niet voor eigen rekening of voor rekening van derden, van alle soorten en categorieën bouw- en renovatiemateriaal, evenals de verhuur van alle soorten bouwmateriaal.
- De vennootschap kan ook commerciële activiteiten van import en export verrichten van diverse bouwmaterialen, groothandel en detailhandel met betrekking tot de bouw, en industriële en financiële operaties, zowel roerend als onroerend, die direct of indirect verband houden met haar voorwerp of die de verwezenlijking ervan kunnen vergemakkelijken.
- Omvat renovatie, verbouwing en het uitvoeren van ruwbouwwerken, vloerbekleding, plaatsing van gipskartonpanelen ("gyproc") en algemene decoratie.
- Dit omvat grondwerken, het leggen van dekvloeren, isolatiewerken, reiniging, industriële reiniging, stoomreiniging en zandstralen, voegwerken, schilderwerken met alle mogelijke technieken, inclusief elektrostatische schildertechnieken, inrichting, meubilering en uitrusting van kantoren, plaatsing van vloeren, thermische en akoestische isolatie, werken op hoogte, metselwerken, inclusief het opbouwen van muren of woningen in baksteen, metaal- en niet-metaal schrijnwerk, timmerwerk, loodgieterij en sanitaire installaties, aannemer van zink- en metaal- en niet-metaaldaken, en waterdichtheid van constructies
- De vennootschap kan ook industriële reinigingsactiviteiten op hoogte uitoefenen, ramenreiniging op hoogte, individuele reiniging en sanitaire reiniging, zonder dat de volgende opsomming limitatief is.
- De vennootschap kan ook elektrische installatiewerken uitvoeren in de meest ruime zin van het woord, evenals de installatie van domoticasystemen, en heeft eveneens als voorwerp algemene elektriciteitswerken.
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0798.959.306
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 24009A0565/00L002 | Flanders | 259 m² | 1 · 109 m² | 10.6 m · 1 |