Debts
€226,804 95% of the balance sheet
Financial debts 2%Suppliers 59%Taxes and wages 14%Other 24%
Of this, €222,380 falls due within a year.
Kòzo
Lifetime
12 annual accounts with figures on one time axispeak €183,373 (2022)
€154,689▲ 22.8%
lowest -€17,521 (2023)
-€6,535▼ €21,594
peak €21,090 (2022)
€12,094▼ 35.1%
€226,804▼ 24.0%
peak 0.1 FTE (2015)
-not published
Board2 names since 2020
1 directorMERTENS Aurélie
Documentsfilings and deeds
30-04-2026on the last day
2025micro format
Gross margin from €126,015 to €154,689Loss of €6,535Equity from €18,629 to €12,094Debts from €298,482 to €226,804
Key points
from the 2025 annual accountsStaff
2 employees on 30-09-2025
In 2025, 2 people joined and 3 left.
Position in the sector
5.1%
Lower solvency than 88% of companies in architecture and engineering. Sector median 53.9% · 11,794 companies.
Checked score
80
Excellent
Financially stronger than 15% of micro companies in architecture and engineering (NACE 71)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 14,828 companies (NACE 71, micro).
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.5%
01-2025: 1.5%● unchanged vs 12-2024
02-2025: 1.5%● unchanged vs 01-2025
03-2025: 1.5%● unchanged vs 02-2025
04-2025: 1.6%▲ +0.1 percentage points vs 03-2025highest value
05-2025: 1.0%▼ -0.6 percentage points vs 04-2025
06-2025: 0.3%▼ -0.7 percentage points vs 05-2025
07-2025: 0.3%● unchanged vs 06-2025
08-2025: 0.3%● unchanged vs 07-2025
09-2025: 0.3%● unchanged vs 08-2025
10-2025: 0.3%● unchanged vs 09-2025
11-2025: 0.3%● unchanged vs 10-2025
12-2025: 0.3%● unchanged vs 11-2025
01-2026: 0.3%● unchanged vs 12-2025
02-2026: 0.3%● unchanged vs 01-2026
03-2026: 0.3%● unchanged vs 02-2026lowest value
04-2026: 0.3%● unchanged vs 03-2026
05-2026: 0.5%▲ +0.2 percentage points vs 04-2026
06-2026: 0.3%▼ -0.2 percentage points vs 05-2026
07-2026: 0.3%● unchanged vs 06-2026
08-2026: 0.3%● unchanged vs 07-2026
09-2026: 0.3%● unchanged vs 08-2026
10-2026: 0.3%● unchanged vs 09-2026
11-2026: 0.3%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
1 of the last 3 accounts late
Equity €12,094 (5.1% of total assets)
lowers risk
Size: total assets €238,898
Sector: Architectural and engineering activities; technical testing and analysis (NACE 71)
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 71, micro). It does better than 12% of them on solvency, 5% on liquidity, 26% on profitability and 15% on growth.
The bankruptcy probability was computed on 09-11-2026 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 30-09-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% 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).
Comparable companies, two years later
In July 2024, 1,037 companies had the same profile as Kòzo has now. Each dot stands for 3 companies, two years later.
93.7%
were still trading
2.9%
stopped another way
2.9%
went bankrupt
Another 0.5% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Kòzo itself is lower: 0.3% within 12 months. It rests on far more data about Kòzo than the profile alone.
Test of the method
The method was tested on the 497,447 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 1,037 companies, not a prediction for Kòzo. 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.
Credit verdict
Credit of up to €500 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.98 (0.98 in 2024), below 1. Short-term debt is 93.1% and cash 9.3% of total assets. 94.9% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 11794 sector peers (2025).
NBB · sector comparisonPosition among 11794 sector peers
Solvency
better than 12%
← weakest
strongest →
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
on the day
2023
31 days late
2022
30 days late
2021
31 days late
2020
31 days late
2019
43 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 24 days after the deadline. In the sector (NACE 71), the median for financial year 2024 was 8 days before the deadline, and 34% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 30 May (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end10-11-2026 today30-04-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0524816322
Registered office moved within Brussels
New registered office: rue Dieudonné Lefevre, 37.4 à 1020 Bruxelles · Previous registered office: rue Charles Van Lerberghe, 3., 1030 Bruxelles · Resignation: MERTENS Alain (director) · General meeting of 01-09-2021 · Gazette deed
New director
MERTENS Alain appointed, Aurélie MERTENS resigned · “La création,l’aménagement,le réaménagement,l’entretien de jardins,parcs,espaces verts,terrasses de jardin…” (deed in French) · Legal-form conversion: from private limited company (pre-2019) to private limited company · General meeting of 02-07-2020 · Gazette deed
Registered office moved within Brussels
New registered office: rue Charles Van Lerberghe, 3., 1030 Bruxelles · Previous registered office: Bld. Lambermout, 214 1M., 1030 Bruxelles · General meeting of 15-01-2019 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Kòzo Brussels | €238,898 | €154,689 | 5.1% | - |
| ELBA PROJECT Forest | €254,418 | €144,603 | 58.6% | - |
| RdV architects Ixelles | €250,314 | €116,433 | 7.8% | - |
| Spacesuit Mechelen | €220,656 | €121,239 | 68.8% | - |
| VEQTOR Grimbergen | €218,295 | €124,339 | 60.0% | 1 |
| Build-ID Ghent | €191,006 | €150,405 | 79.0% | - |
| T J I P interior architects Oostkamp | €188,622 | €117,471 | 41.9% | - |
These companies have the same main activity as Kòzo: activities of interior architects (NACE 71112). They are comparable in size and age: total assets between €189,000 and €254,000, founded between 2011 and 2016.
Official details
Source: KBO- Status
- Active since 25-03-2013Normal situation
- Activity
- Activities of interior architectsNACE 71112and 3 others
- Establishment unit
- 2.226.995.2841020 Brussels, since 25-03-2013
- Financial year end
- 30 September
- Peppol
- Reachable since 29-09-2025
Annual accounts to 30-09-2025
- ≈ €310,000estimated
- €238,898▼ 24.7%
- Employeeson 30-09-2025
- 2▼ 33.3%
- Filing
- Filed on 30-04-2026, on the last day of the filing period
Insights on Kòzo
Kòzo files the micro format. That format states no turnover. The gross margin rose from €19,249 in 2014 to €154,689 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Kòzo
- What is the company number of Kòzo?
- The company number of Kòzo is 0524.816.322. The VAT number is the same number with BE in front: BE 0524.816.322.
- Where is Kòzo based?
- The registered office is at Dieudonné Lefèvrestraat 37.4, 1020 Brussels.Company details
- What does Kòzo do?
- According to the KBO register, the main activity is activities of interior architects (NACE 71112).
- What is the legal form of Kòzo?
- Kòzo is a private limited company (BV).
- When was Kòzo founded?
- Kòzo was founded on 25-03-2013.
- Is Kòzo still active?
- Yes, Kòzo is an active enterprise in the KBO register.
- How many employees does Kòzo have?
- Kòzo had an average of 3.8 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of Kòzo?
- The turnover in financial year 2025 is ≈ €310,000. This figure is estimated from the gross margin of €154,689 and 36 comparable companies (NACE 711). It probably lies between €240,000 and €400,000.
- Is Kòzo profitable?
- In financial year 2025, Kòzo made a loss of €6,535.
- Where can I find the annual accounts of Kòzo?
- Kòzo filed 12 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Kòzo due?
- Kòzo must file the annual accounts for financial year 2026 by 30-04-2027.Timeline
Next steps
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