Skip to content

COSEDA RENOVATION

Active
Private limited company·Overige gespecialiseerde bouwactiviteiten, neg· 3 yrs active
Sterrenlaan 11 ·1560 Hoeilaart, Belgium
KBO/BCE: BE 0795.180.759
Watch Print / PDF
Age3 yrs
Real estate1 parcel · 907 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of COSEDA RENOVATION is 2.9% (moderate). The 2024 annual accounts show equity of €15k and a net result of €10k. Its solvency ranks better than 33% of 11087 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Filing behaviour

From the deposit records, complete market-wide
Deadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 12 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 19-08-2025, 19 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.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 nothing on record not filed -
31-12-2024 31-07-2025 19-08-2025 19 d late 2025-00385943
31-12-2023 31-07-2024 07-08-2024 7 d late 2024-00334239

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
2.9% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€10k
Working capital€17k

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 19-08-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 43, Specialised construction · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 27.0% 40.9%
better than 33% of 11087 sector peers
Net result €10k €11k
better than 47% of 11069 sector peers
Equity €15k €34k
better than 28% of 11090 sector peers
Gross operating margin €27k €35k
better than 43% of 11060 sector peers
Staff costs €45 €25k
higher than 5% of 4038 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenue-
EBITDA€25k
Net profit€10k
Cash flow€17k
Staff costs€45
Income taxes€3k
Dividends-
Total assets€56k
Equity€15k
Debt€41k
of which ≤ 1y€10k
of which > 1y€19k
Working capital€17k
Employees (FTE)-
Ratios (computed)
2024
Current ratio2.64
Quick ratio2.64
Working capital ratio30.0%
Solvency27.0%
Debt / equity2.71
Long-term debt ratio1.27
Interest coverage5.33
Gross margin-
Net margin-
ROA17.5%
ROE64.9%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€56k
Fixed assets 21/28€29k
Tangible fixed assets 22/27€29k
Financial fixed assets 28€120
Current assets 29/58€27k
Amounts receivable within one year 40/41€6k
Cash & bank 54/58€12k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€56k
Equity 10/15€15k
Contributions / capital 10/11€3k
Accumulated profits (losses) 14€13k
Amounts payable 17/49€41k
Amounts payable after one year 17€19k
Amounts payable within one year 42/48€10k
Trade debts payable within one year 44€2k
Income statement
Gross operating margin 9900€27k
Operating result 9901€18k
Financial charges 65€5k
Result before taxes 9903€13k
Income taxes 67/77€3k
Net result for the period 9904€10k
Result to be appropriated 9905€10k
Ratios computed by Checked.

Health barometer

FY 2024 · computed
83 / 100 Excellent
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Sterrenlaan 111560 Hoeilaart

Establishment units

1 location
COSEDA RENOVATION
Sterrenlaan 11, 1560 HoeilaartIsolatiewerkzaamheden
since 20222.340.116.288
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area907 m²
Buildings1
Building footprint211 m²
Volume (LiDAR)1,070 m³
Tallest building8.5 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
23033A0035/00L015 Flanders 907 m² 1 · 211 m² 8.5 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes
Health83Profitability100Solvency64Growth-Stability79
82 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 83
Profitability 100
Solvency 64
Growth -
Stability 79

Ask AI about this company

Checked AI

Soon: ask questions about this dossier, risks, curator, sector comparison, answered from the official data on this page.

TryWhat are the main risks?Any recent red flags?Compare to sector peers
Coming soon

AI due-diligence brief

Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works

Credit advice

verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 1,966 of the 15,529 companies in this sector. 1,659 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Overige gespecialiseerde bouwactiviteiten, neg43990Restaureren van bouwwerken43995Installatie van isolatie43230Isolatiewerkzaamheden43291Stukadoorswerk43310Stukadoorswerk43310Schrijnwerk43320Schrijnwerk43320Schilderen van gebouwen43341Schilderen van gebouwen43341Gevelreiniging43992Overige reiniging van gebouwen; industriële reiniging81220
Primary activity highlighted.
Names & trade names
Legal nameNL COSEDA RENOVATION
Registered office
Sterrenlaan 11
1560 Hoeilaart, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.