Kòzo
ActiveSummary
Kòzo has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €12k and a net result of €-7k. Equity is growing by ~13.5% per year across the filed fiscal years. Its solvency ranks better than 12% of 9494 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability63▼-12
Solvency30▼-1
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.98 against 0.98 in 2024; short-term debt: 93.1% and cash: 9.3% of total assets), and 94.9% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Architectural and engineering activities; technical testing and analysis (NACE 71)
about 56% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
5.1%
Return on assets
-2.7%
Age of the figures
12 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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 9494 sector peers (2025).
NBB · sector comparisonPosition among 9494 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 d late
2022
30 d late
2021
31 d late
2020
31 d late
2019
43 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today30-09-2026 close30-04-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Hiring this company for building work? Recognition, activities and what to check first.Contractor check Accepting this client? The AML file with identity, beneficial owners and sanctions lists.AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Financials · fiscal year 2025, micro schema
Equity
€12k▼ 35.1%
2024 · €19k
Total assets
€239k▼ 24.7%
2024 · €317k
Net result
€-7k
2024 · €15k
Working capital
€-5k▼ 6.3%
2024 · €-5k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€7k▼ 5.9%€11k▲ 69.7%€-16k€19k€-5k
Net result€3k▲ 6.6%€7k▲ 104%€-18k€15k€-7k
Equity€15k▲ 22.1%€21k▲ 42.5%€4k▼ 83.1%€19k▲ 422%€12k▼ 35.1%
Total assets€189k▲ 140%€558k▲ 196%€323k▼ 42.2%€317k▼ 1.8%€239k▼ 24.7%
Debt€174k▲ 161%€537k▲ 209%€319k▼ 40.6%€298k▼ 6.5%€227k▼ 24.0%
Working capital€-1k€-6k▼ 427%€-14k▼ 135%€-5k▲ 66.4%€-5k▼ 6.3%
Staff (FTE)2.74.2▲ 55.6%3.3▼ 21.4%2.1▼ 36.4%3.8▲ 81.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €5k after €19k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €239k
Fixed assets
€22k ▼ 41.9%
Current assets
€217k ▼ 22.4%
Equity and liabilities €239k
Equity
€12k ▼ 35.1%
Debt
€227k ▼ 24.0%
Debt's share of the balance-sheet total rises from 94.1% to 94.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€11k▼
2024 · €33k
Cash flow
€9k▼
2024 · €29k
Current ratio
0.98▼
2024 · 0.98
Debt to equity
18.75▲
2024 · 16.02
ROE
-54.0%▼
2024 · 80.8%
ROA
-2.7%▼
2024 · 4.7%
Interest coverage
5.76▼
2024 · 25.97
Debt ≤ 1 year
€222k▼
2024 · €285k
Debt > 1 year
€4k▼
2024 · €14k
Income taxes
€132▼
2024 · €3k
Staff costs
€128k▲
2024 · €82k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €68k | €157k | €146k | €82k | €128k | ▲ 56.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2k | €12k | €14k | €14k | €16k | ▲ 11.8% |
| Other operating charges640/8 | €864 | €3k | €1k | €12k | €16k | ▲ 38.2% |
| Gross operating margin9900 | €78k | €183k | €146k | €126k | €155k | ▲ 22.8% |
| Operating profit (loss)9901 | €7k | €11k | €-16k | €19k | €-5k | ▼ 125% |
| Financial income75/76B | €17 | €75 | €66 | €189 | €140 | ▼ 26.3% |
| Recurring financial income75 | €17 | €75 | €66 | €189 | €140 | ▼ 26.3% |
| Financial charges65/66B | €320 | €1k | €2k | €1k | €2k | ▲ 49.8% |
| Recurring financial charges65 | €320 | €1k | €2k | €1k | €2k | ▲ 49.8% |
| Profit (loss) for the period before taxes9903 | €6k | €10k | €-17k | €18k | €-6k | ▼ 136% |
| Income taxes67/77 | €3k | €3k | €46 | €3k | €132 | ▼ 95.2% |
| Profit (loss) for the period9904 | €3k | €7k | €-18k | €15k | €-7k | ▼ 143% |
| Profit (loss) for the period to be appropriated9905 | €3k | €7k | €-18k | €15k | €-7k | ▼ 143% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €189k | €558k | €323k | €317k | €239k | ▼ 24.7% |
| Fixed assets21/28 | €16k | €46k | €31k | €37k | €22k | ▼ 41.9% |
| Intangible fixed assets21 | - | €1k | €963 | €693 | €423 | ▼ 39.0% |
| Tangible fixed assets22/27 | €10k | €38k | €24k | €30k | €15k | ▼ 50.1% |
| Plant, machinery and equipment23 | €2k | €5k | €3k | €2k | €893 | ▼ 60.0% |
| Furniture and vehicles24 | €8k | €33k | €21k | €28k | €14k | ▼ 49.3% |
| Financial fixed assets28 | €6k | €7k | €6k | €6k | €6k | = |
| Current assets29/58 | €173k | €512k | €292k | €280k | €217k | ▼ 22.4% |
| Amounts receivable within one year40/41 | €145k | €484k | €262k | €253k | €194k | ▼ 23.6% |
| Trade receivables40 | €139k | €482k | €260k | €247k | €189k | ▼ 23.4% |
| Other amounts receivable41 | €6k | €2k | €2k | €6k | €4k | ▼ 30.8% |
| Cash at bank and in hand54/58 | €23k | €26k | €27k | €25k | €22k | ▼ 10.0% |
| Deferred charges and accrued income490/1 | €4k | €2k | €3k | €2k | €2k | ▼ 19.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €189k | €558k | €323k | €317k | €239k | ▼ 24.7% |
| Equity10/15 | €15k | €21k | €4k | €19k | €12k | ▼ 35.1% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Reserves13 | €8k | €15k | €15k | €15k | €15k | = |
| Non-distributable reserves130/1 | €1k | €1k | €1k | €1k | €1k | = |
| Reserves not available under the articles1311 | €1k | €1k | €1k | €1k | €1k | = |
| Distributable reserves133 | €7k | €14k | €14k | €14k | €14k | = |
| Profit (loss) carried forward14 | €735 | - | €-18k | €-2k | €-9k | ▼ 266% |
| Amounts payable17/49 | €174k | €537k | €319k | €298k | €227k | ▼ 24.0% |
| Amounts payable after more than one year17 | - | €19k | €13k | €14k | €4k | ▼ 67.8% |
| Financial debts170/4 | - | €19k | €13k | €14k | €4k | ▼ 67.8% |
| Amounts payable within one year42/48 | €174k | €518k | €306k | €285k | €222k | ▼ 21.9% |
| Current portion of amounts payable after more than one year42 | - | €6k | €6k | €9k | €9k | ▲ 2.8% |
| Trade debts44 | €112k | €234k | €168k | €181k | €135k | ▼ 25.5% |
| Suppliers440/4 | €112k | €234k | €168k | €181k | €135k | ▼ 25.5% |
| Advances received on contracts in progress46 | €44k | €236k | €78k | €71k | €13k | ▼ 81.8% |
| Taxes, remuneration and social security45 | €10k | €23k | €31k | €12k | €32k | ▲ 179% |
| Taxes450/3 | €3k | €3k | €15k | €3k | €19k | ▲ 497% |
| Remuneration and social security454/9 | €7k | €19k | €17k | €8k | €13k | ▲ 53.5% |
| Other amounts payable47/48 | €8k | €20k | €22k | €13k | €33k | ▲ 162% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3k | €7k | €-18k | €15k | €-7k | ▼ 143% |
| + Depreciation and write-downs630 | €2k | €12k | €14k | €14k | €16k | ▲ 11.8% |
| Operating cash flow (approximation) | €6k | €19k | €-3k | €29k | €9k | ▼ 68.9% |
| Investment in fixed assets (approximation) | - | €-43k | €700 | €-20k | €0 | ▲ 100% |
| Change in cash | - | €2k | €978 | €-2k | €-2k | ▼ 29.1% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
31-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
30-09
Financial
Weakest financial yearnet €-18k
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
30-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
12-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 43 days late
2019
30-09
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 151 days late
22-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 326 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
We know of 8 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
8 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, Brussel · 1 establishment unit since 2013
Ground area
8,222 m²
Building footprint
5,857 m²
Volume, LiDAR
60,763 m³
Parcel 21815D0297/00G004, Brussels · tallest building 15.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
KOZO
since 20132.226.995.284
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21815D0297/00G004 | Brussels | 8,221 m² | 1 · 5,857 m² | 15.0 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
European Union, budget
2025 · 1 entry · 38,346 EUR in total| Year | Entries | awarded |
|---|---|---|
| 2025 | 1 | 38,346 EUR |
Projects
BUILDINGS FITTING OUT
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Of 3,923 companies in sector 71112 we hold annual accounts for 1,294. 829 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded25-03-2013
Fiscal year end30-09
Trade name FR
CITA VERDI
Activities, NACEBEL 2025
71112Activities of interior architects
81300Landscape service activities
70200Business and other management consultancy
71113Urban planning and landscape architecture
Contact
E-mail
info@li-ly.beBrussel
Scores and ratios are computed by Checked and are not a credit decision.