COSEMANS LUC
ActiveCOSEMANS LUC has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €595k and a net result of €83k. Equity is growing by ~8.4% per year across the filed fiscal years. Its solvency ranks better than 73% of 16321 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▼-16
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity ample (current ratio 5.93 against 5.61 in 2024), and 16.7% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
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
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
83.3%
Return on assets
11.7%
Age of the figures
8 mo
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
29 d early
2023
19 d early
2022
27 d early
2021
4 d early
2020
15 d early
2019
17 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
11-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€595k▲ 16.3%
2024 · €512k
2018: €320k
2019: €370k
2020: €415k
2021: €486k
2022: €550k
2023: €424k
2024: €512k
2018 → 2025
Total assets
€714k▲ 15.1%
2024 · €621k
2018: €369k
2019: €420k
2020: €465k
2021: €547k
2022: €621k
2023: €685k
2024: €621k
2018 → 2025
Net result
€83k▼ 5.0%
2024 · €88k
2018: €58k
2019: €51k
2020: €44k
2021: €71k
2022: €64k
2023: €83k
2024: €88k
2018 → 2025
Working capital
€588k▲ 17.0%
2024 · €502k
2018: €305k
2019: €356k
2020: €399k
2021: €476k
2022: €542k
2023: €405k
2024: €502k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€486k-€550k▲ 13.1%€424k▼ 22.8%€512k▲ 20.7%€595k▲ 16.3%
Operating result€101k-€106k▲ 4.7%€104k▼ 1.7%€116k▲ 12.1%€123k▲ 6.0%
Net result€71k-€64k▼ 11.1%€83k▲ 31.0%€88k▲ 5.3%€83k▼ 5.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 6% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €714k
Fixed assets
€7k▼ 24.1%
Current assets
€707k▲ 15.7%
Equity and liabilities €714k
Equity
€595k▲ 16.3%
Debt
€119k▲ 9.3%
The debt ratio falls from 17.6% to 16.7%: equity grows faster than debt.
Key figures and ratios
EBITDA
€126k▼
2024 · €126k
Cash flow
€86k▼
2024 · €97k
Solvency
83.3%▲
2024 · 82.4%
Current ratio
5.93▲
2024 · 5.61
Quick ratio
5.93▲
2024 · 5.61
Debt / equity
0.20▼
2024 · 0.21
ROE
14.0%▼
2024 · 17.1%
ROA
11.7%▼
2024 · 14.1%
Interest coverage
15.35▼
2024 · 29.56
Debt
€119k▲
2024 · €109k
Debt ≤ 1 year
€119k▲
2024 · €109k
Income taxes
€34k▼
2024 · €35k
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€621k€714k▲
Fixed assets21/28€9k€7k▼
Tangible fixed assets22/27€9k€7k▼
Land and buildings22€9k€7k▼
Plant, machinery and equipment23€36€0▼
Furniture and vehicles24€356€0▼
Current assets29/58€612k€707k▲
Current investments50/53€54k€238k▲
Cash at bank and in hand54/58€555k€466k▼
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€621k€714k▲
Equity10/15€512k€595k▲
Contributions10/11€43k€43k=
Reserves13€469k€552k▲
Distributable reserves133€469k€552k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€109k€119k▲
Amounts payable within one year42/48€109k€119k▲
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Advances received on contracts in progress46€2k€3k▲
Taxes, remuneration and social security45€17k€26k▲
Taxes450/3€14k€23k▲
Remuneration and social security454/9€3k€3k=
Other amounts payable47/48€88k€89k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€2k▼
Other operating charges640/8€594€614▲
Gross operating margin9900€127k€126k▼
Operating profit (loss)9901€116k€123k▲
Financial income75/76B€10k€2k▼
Recurring financial income75€10k€2k▼
Financial charges65/66B€4k€8k▲
Recurring financial charges65€4k€8k▲
Profit (loss) for the period before taxes9903€122k€117k▼
Income taxes67/77€35k€34k▼
Profit (loss) for the period9904€88k€83k▼
Profit (loss) for the period to be appropriated9905€88k€83k▼
Appropriation of the result
Profit (loss) to be appropriated9906€88k€83k▼
Transfer from equity791/2€0-
Transfer to equity691/2€88k€83k▼
To other reserves6921€88k€83k▼
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €88k ▲5.3%
Net result €88k, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 5.61
Current ratio from 2.56 to 5.61; short-term debt falls from €260k to €109k.
31-12
Financial
Equity above €500kEq €512k ▲20.7%
7 profitable years in a row build equity to €512k.
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €500kEq €550k ▲13.1%
5 profitable years in a row build equity to €550k.
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €44k ▼12.5%
Net result drops to €44k, the lowest in the series; recovery starts the following year.
17-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 17 days late
2019
07-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 7 days late
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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Directors · office · real estate
Directors
4 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, Diepenbeek · 1 establishment unit since 2004
Ground area
1,136 m²
Building footprint
148 m²
Volume, LiDAR
930 m³
Parcel 71011I2613/00A000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
COSEMANS LUC
since 20042.295.807.480
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71011I2613/00A000 | Flanders | 1,136 m² | 1 · 148 m² | 8.9 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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ORTHO SUYKENS
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Of 6,923 companies in sector 86230 we hold annual accounts for 4,282. 3,363 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-02-2004
Fiscal year end31-12
Activities, NACEBEL
86230Dental practice
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.