COSY-BOIS
ActiveCOSY-BOIS has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €153k and a net result of €85k. Equity is growing by ~152.9% per year across the filed fiscal years. Its solvency ranks better than 78% of 4809 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency95▼-4
Growth85▲+7
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 3.08 against 3.88 in 2023; short-term debt: 29.7% and cash: 32.5% of total assets), and 29.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-07-2025, 1 day ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
1 d early
2023
345 d late
2022
40 d early
2021
12 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
€356k▲ 52.1%
2023 · €234k
2023: €234k
2023 → 2024
EBIT margin
32.0%▼ 6.2pp
2023 · 38.2%
2023: 38.2%
2023 → 2024
Net result
€85k▲ 27.4%
2023 · €67k
2021: €8k
2022: €-9k
2023: €67k
2021 → 2024
Working capital
€134k▲ 98.0%
2023 · €68k
2021: €6k
2022: €951
2023: €68k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Turnover€234k€356k▲ 52.1%
Equity€10k-€951▼ 90.6%€68k▲ 7,033%€153k▲ 126%
Operating result€10k-€-9k€89k€114k▲ 27.4%
Net result€8k-€-9k€67k€85k▲ 27.4%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 27% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €218k
Fixed assets
€19k
Current assets
€199k
Equity and liabilities €218k
Equity
€153k▲ 126%
Debt
€65k▲ 175%
The debt ratio rises from 25.8% to 29.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€120k
Cash flow
€91k
Solvency
70.3%▼
2023 · 74.2%
Current ratio
3.08▼
2023 · 3.88
Quick ratio
3.08▼
2023 · 3.88
Debt / equity
0.42▲
2023 · 0.35
ROE
55.7%▼
2023 · 98.6%
ROA
39.1%▼
2023 · 73.2%
Interest coverage
769.36
Debt
€65k▲
2023 · €24k
Debt ≤ 1 year
€65k▲
2023 · €24k
Income taxes
€28k▲
2023 · €22k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€91k€218k▲
Fixed assets21/28-€19k
Tangible fixed assets22/27-€19k
Furniture and vehicles24-€19k
Current assets29/58€91k€199k▲
Amounts receivable within one year40/41€46k€92k▲
Trade receivables40€34k€80k▲
Other amounts receivable41€13k€13k=
Cash at bank and in hand54/58€45k€71k▲
Deferred charges and accrued income490/1-€36k
Equity and liabilities
Total equity and liabilities10/49€91k€218k▲
Equity10/15€68k€153k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€65k€151k▲
Amounts payable17/49€24k€65k▲
Amounts payable within one year42/48€24k€65k▲
Trade debts44€1k€14k▲
Suppliers440/4€1k€14k▲
Taxes, remuneration and social security45€22k€51k▲
Taxes450/3€22k€51k▲
Income statement
Code20232024
Turnover70€234k€356k▲
Goods, raw materials, services and sundry goods60/61€141k€236k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€6k
Other operating charges640/8€4k-
Gross operating margin9900€93k€120k▲
Operating profit (loss)9901€89k€114k▲
Financial charges65/66B€125€156▲
Recurring financial charges65€125€156▲
Profit (loss) for the period before taxes9903€89k€114k▲
Income taxes67/77€22k€28k▲
Profit (loss) for the period9904€67k€85k▲
Profit (loss) for the period to be appropriated9905€67k€85k▲
Appropriation of the result
Profit (loss) to be appropriated9906€65k€151k▲
Profit (loss) brought forward from the previous period14P€-2k€65k▲
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
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 345 days late
2024
31-12
Financial
Highest result since 2021net €85k ▲27.4%
Operating result €114k, net result €85k, both a record.
31-12
Financial
Equity above €150kEq €153k ▲126%
2 profitable years in a row build equity to €153k.
2023
31-12
Financial
Back to profitnet €67k
Net result €67k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 3.88
Current ratio from 1.29 to 3.88.
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-9k ▼220%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2023
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
08-11-2023
Resigned as Director
Location & real-estate footprint
Registered office, Sint-Genesius-Rode · 1 establishment unit since 2021
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.
Lindestraat 421640 Sint-Genesius-RodeGround area
1,187 m²
Building footprint
180 m²
Volume, LiDAR
707 m³
2 parcels, Flanders, Wallonia · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Cosy-Bois
since 20212.320.989.769
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51008B0423/00R000 | Wallonia | 977 m² | 1 · 91 m² | - |
| 22004C0677/00T000 | Flanders | 210 m² | 1 · 89 m² | 10.1 m · 3 fl. |
Linked by address, not proof of ownership
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.
Structure & network
Connections & network
18 connected companiesNetwork connections
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Of 9,140 companies in sector 68201 we hold annual accounts for 6,769. 4,600 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-08-2021
Fiscal year end31-12
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
31001Manufacture of furniture
31002Manufacture of furniture
47551Retail sale of household furniture
47559Retail sale of other household articles
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.