COSA IMMOREM
ActiveCOSA IMMOREM has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €130k and a net result of €-10k. Equity is growing by ~33.8% per year across the filed fiscal years. Its solvency ranks better than 39% of 31544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability31▼-16
Solvency67=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity short (current ratio 0.45 against 0.59 in 2024; short-term debt: 17.9% and cash: 0.6% of total assets), and 57.9% of the assets are financed with debt.
Credit advice for your own amount and term
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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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 · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-10k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
34 d early
2023
27 d early
2022
31 d early
2021
26 d early
2020
29 d early
2019
32 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€130k▼ 7.2%
2024 · €140k
2018: €21k
2019: €35k
2020: €29k
2021: €33k
2022: €159k
2023: €151k
2024: €140k
2018 → 2025
Total assets
€308k▼ 6.9%
2024 · €331k
2018: €74k
2019: €75k
2020: €124k
2021: €123k
2022: €410k
2023: €375k
2024: €331k
2018 → 2025
Net result
€-10k▲ 9.2%
2024 · €-11k
2018: €5k
2019: €14k
2020: €-6k
2021: €4k
2022: €126k
2023: €-8k
2024: €-11k
2018 → 2025
Working capital
€-30k▼ 40.6%
2024 · €-22k
2018: €-28k
2019: €-19k
2020: €-33k
2021: €-27k
2022: €-5k
2023: €-18k
2024: €-22k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€33k-€159k▲ 386%€151k▼ 5.2%€140k▼ 7.3%€130k▼ 7.2%
Operating result€7k-€174k▲ 2,465%€1k▼ 99.2%€-3k€-4k▼ 17.2%
Net result€4k-€126k▲ 2,913%€-8k€-11k▼ 33.2%€-10k▲ 9.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €4k in 2025 against €3k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €308k
Fixed assets
€283k▼ 5.5%
Current assets
€25k▼ 20.3%
Equity and liabilities €308k
Equity
€130k▼ 7.2%
Debt
€178k▼ 6.8%
The debt ratio rises from 57.8% to 57.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€13k▼
2024 · €29k
Cash flow
€7k▼
2024 · €21k
Solvency
42.1%▼
2024 · 42.2%
Current ratio
0.45▼
2024 · 0.59
Quick ratio
0.45▼
2024 · 0.59
Debt / equity
1.37▲
2024 · 1.37
ROE
-7.7%▲
2024 · -7.9%
ROA
-3.2%▲
2024 · -3.3%
Interest coverage
1.92▼
2024 · 3.92
Debt
€178k▼
2024 · €191k
Debt ≤ 1 year
€55k▲
2024 · €53k
Debt > 1 year
€120k▼
2024 · €136k
Income taxes
€310▲
2024 · €300
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€331k€308k▼
Fixed assets21/28€300k€283k▼
Tangible fixed assets22/27€300k€283k▼
Plant, machinery and equipment23€426€0▼
Furniture and vehicles24€12k€6k▼
Other tangible fixed assets26€287k€277k▼
Current assets29/58€31k€25k▼
Amounts receivable within one year40/41€29k€22k▼
Trade receivables40€6k€12k▲
Other amounts receivable41€23k€10k▼
Cash at bank and in hand54/58€910€2k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€331k€308k▼
Equity10/15€140k€130k▼
Contributions10/11€20k€20k=
Reserves13€120k€110k▼
Distributable reserves133€120k€110k▼
Profit (loss) carried forward14€0-
Amounts payable17/49€191k€178k▼
Amounts payable after more than one year17€136k€120k▼
Financial debts170/4€136k€120k▼
Amounts payable within one year42/48€53k€55k▲
Current portion of amounts payable after more than one year42€24k€15k▼
Trade debts44€4k€10k▲
Suppliers440/4€4k€10k▲
Taxes, remuneration and social security45€13k€11k▼
Taxes450/3€13k€11k▼
Other amounts payable47/48€12k€19k▲
Accrued charges and deferred income492/3€3k€3k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€17k▼
Other operating charges640/8€2k€914▼
Gross operating margin9900€30k€14k▼
Operating profit (loss)9901€-3k€-4k▼
Financial income75/76B€1€876▲
Recurring financial income75€1€876▲
Financial charges65/66B€7k€7k▼
Recurring financial charges65€7k€7k▼
Profit (loss) for the period before taxes9903€-11k€-10k▲
Income taxes67/77€300€310▲
Profit (loss) for the period9904€-11k€-10k▲
Profit (loss) for the period to be appropriated9905€-11k€-10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-19k€-10k▲
Profit (loss) brought forward from the previous period14P€-8k€0▲
Transfer from equity791/2€19k€10k▼
The notes to these accounts (9 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-11k
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €126k ▲2913%
Operating result €174k, net result €126k, both a record.
31-12
Financial
Equity above €150kEq €159k ▲386%
2 profitable years in a row build equity to €159k.
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
14-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
16-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Asse · 1 establishment unit since 2000
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.
Varent 141730 AsseGround area
582 m²
Building footprint
177 m²
Volume, LiDAR
798 m³
Parcel 23002I0632/00E000, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Varent 14, 1730 Asse
since 20002.097.485.438
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23002I0632/00E000 | Flanders | 582 m² | 1 · 177 m² | 8.0 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.
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ENEVISION
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 40,855 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-05-2000
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.