TOM COSYNS
ActiveTOM COSYNS has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €155k and a net result of €23k. Equity is growing by ~29.8% per year across the filed fiscal years. Its solvency ranks better than 84% of 17022 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
94
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▲+4
Solvency100=
Growth69=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 7.78 against 8.17 in 2024; short-term debt: 12.6% and cash: 86.1% of total assets), and 12.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 62
Relative position
BE, all sectors
reference
Sector 62
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
87.4%
Return on assets
13%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 8 filingsDeviation from the deadline
2025
25 d late
2024
30 d late
2023
33 d early
2022
5 d late
2021
28 d late
2020
24 d late
2019
14 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€133k▼ 10.2%
2022 · €149k
2018: €102k
2019: €95k
2020: €93k
2021: €132k
2022: €149k
2018 → 2023
EBIT margin
27.7%▼ 4.5pp
2022 · 32.2%
2018: 7.4%
2019: 10.5%
2020: 16.6%
2021: 35.3%
2022: 32.2%
2018 → 2023
Net result
€23k▲ 53.5%
2024 · €15k
2018: €5k
2019: €7k
2020: €12k
2021: €31k
2022: €32k
2023: €24k
2024: €15k
2018 → 2025
Working capital
€151k▲ 19.4%
2024 · €127k
2018: €-15k
2019: €-3k
2020: €16k
2021: €57k
2022: €87k
2023: €111k
2024: €127k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€132k-€149k▲ 12.8%€133k▼ 10.2%
Equity€61k-€92k▲ 52.5%€117k▲ 26.4%€132k▲ 12.9%€155k▲ 17.5%
Operating result€47k-€48k▲ 2.8%€37k▼ 22.8%€21k▼ 42.0%€35k▲ 65.5%
Net result€31k-€32k▲ 3.6%€24k▼ 23.3%€15k▼ 38.3%€23k▲ 53.5%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 66% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €177k
Fixed assets
€4k▼ 25.2%
Current assets
€173k▲ 20.2%
Equity and liabilities €177k
Equity
€155k▲ 17.5%
Debt
€22k▲ 26.3%
The debt ratio rises from 11.8% to 12.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€38k▲
2024 · €24k
Cash flow
€26k▲
2024 · €18k
Solvency
87.4%▼
2024 · 88.2%
Current ratio
7.78▼
2024 · 8.17
Quick ratio
7.78▼
2024 · 8.17
Debt / equity
0.14▲
2024 · 0.13
ROE
14.9%▲
2024 · 11.4%
ROA
13.0%▲
2024 · 10.1%
Interest coverage
663.82▲
2024 · 362.32
Debt
€22k▲
2024 · €18k
Debt ≤ 1 year
€22k▲
2024 · €18k
Income taxes
€12k▲
2024 · €6k
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€150k€177k▲
Fixed assets21/28€5k€4k▼
Tangible fixed assets22/27€5k€4k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€2k€2k▼
Other tangible fixed assets26€1k€1k▼
Current assets29/58€144k€173k▲
Amounts receivable within one year40/41€12k€21k▲
Trade receivables40€12k€21k▲
Cash at bank and in hand54/58€131k€153k▲
Deferred charges and accrued income490/1€632-
Equity and liabilities
Total equity and liabilities10/49€150k€177k▲
Equity10/15€132k€155k▲
Contributions10/11€6k€6k=
Reserves13€126k€149k▲
Tax-exempt reserves132€2k€2k=
Distributable reserves133€124k€147k▲
Amounts payable17/49€18k€22k▲
Amounts payable within one year42/48€18k€22k▲
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€3k€14k▲
Taxes450/3€3k€14k▲
Other amounts payable47/48€13k€6k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€222€218▼
Gross operating margin9900€24k€38k▲
Operating profit (loss)9901€21k€35k▲
Financial income75/76B€6€15▲
Recurring financial income75€6€15▲
Financial charges65/66B€66€57▼
Recurring financial charges65€66€57▼
Profit (loss) for the period before taxes9903€21k€35k▲
Income taxes67/77€6k€12k▲
Profit (loss) for the period9904€15k€23k▲
Profit (loss) for the period to be appropriated9905€15k€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€15k€23k▲
Transfer to equity691/2€15k€23k▲
To other reserves6921€15k€23k▲
The notes to these accounts (5 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
2026
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
31-12
Financial
Equity above €150kEq €155k ▲17.5%
8 profitable years in a row build equity to €155k.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €117k ▲26.4%
6 profitable years in a row build equity to €117k.
05-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 5 days late
2022
31-12
Financial
Highest result since 2018net €32k ▲3.6%
Operating result €48k, net result €32k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 28 days late
2021
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 24 days late
2020
14-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 14 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Ninove · 1 establishment unit since 2017
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.
Camberg(Voo) 159400 NinoveGround area
769 m²
Building footprint
138 m²
Volume, LiDAR
881 m³
Parcel 41073B0298/00B005, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SEOBUREAU
since 20172.269.106.152
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41073B0298/00B005 | Flanders | 769 m² | 1 · 138 m² | 8.7 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
BMEN-IT
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BEKOME
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Connext
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REINDEV
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ELMV
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Of 30,000 companies in sector 62200 we hold annual accounts for 18,394. 15,298 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-10-2017
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
73110Advertising agencies
93299Other amusement and recreation activities
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.