COSENUOVE
ActiveCOSENUOVE has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €324k and a net result of €45k. Equity is growing by ~13% per year across the filed fiscal years. Its solvency ranks better than 82% of 11323 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability66▲+10
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 5.28 against 4.71 in 2024; short-term debt: 19% of total assets), and 19% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
81%
Return on assets
11.2%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-09-2026, 48 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 · 10 filingsDeviation from the deadline
2025
48 d late
2024
57 d late
2023
105 d late
2022
66 d late
2021
52 d late
2020
72 d late
2019
35 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€324k▲ 16.1%
2024 · €279k
2018: €119k
2019: €173k
2020: €176k
2021: €195k
2022: €223k
2023: €252k
2024: €279k
2018 → 2025
Total assets
€399k▲ 12.9%
2024 · €354k
2018: €191k
2019: €249k
2020: €288k
2021: €261k
2022: €287k
2023: €328k
2024: €354k
2018 → 2025
Net result
€45k▲ 69.4%
2024 · €27k
2018: €60k
2019: €79k
2020: €28k
2021: €44k
2022: €53k
2023: €54k
2024: €27k
2018 → 2025
Working capital
€324k▲ 16.1%
2024 · €279k
2018: €133k
2019: €180k
2020: €191k
2021: €195k
2022: €223k
2023: €252k
2024: €279k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€195k-€223k▲ 14.4%€252k▲ 13.0%€279k▲ 10.5%€324k▲ 16.1%
Operating result€57k-€71k▲ 23.3%€64k▼ 9.6%€38k▼ 39.7%€70k▲ 82.8%
Net result€44k-€53k▲ 20.6%€54k▲ 1.7%€27k▼ 50.9%€45k▲ 69.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 83% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €399k
Equity
€324k▲ 16.1%
Debt
€76k▲ 0.8%
The debt ratio falls from 21.2% to 19.0%. Equity and debt are higher.
Key figures and ratios
Solvency
81.0%▲
2024 · 78.8%
Current ratio
5.28▲
2024 · 4.71
Quick ratio
5.28▲
2024 · 4.71
Debt / equity
0.23▼
2024 · 0.27
ROE
13.9%▲
2024 · 9.5%
ROA
11.2%▲
2024 · 7.5%
Debt
€76k▲
2024 · €75k
Debt ≤ 1 year
€76k▲
2024 · €75k
Income taxes
€23k▲
2024 · €9k
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€354k€399k▲
Current assets29/58€354k€399k▲
Amounts receivable after more than one year29€310k€318k▲
Trade receivables290€310k€318k▲
Amounts receivable within one year40/41€35k€81k▲
Trade receivables40€9k€9k▼
Other amounts receivable41€26k€72k▲
Cash at bank and in hand54/58€15-
Deferred charges and accrued income490/1€9k-
Equity and liabilities
Total equity and liabilities10/49€354k€399k▲
Equity10/15€279k€324k▲
Contributions10/11€19k€19k=
Reserves13€104k€149k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€103k€148k▲
Profit (loss) carried forward14€156k€156k=
Amounts payable17/49€75k€76k▲
Amounts payable within one year42/48€75k€76k▲
Financial debts43€22k€13k▼
Credit institutions430/8€22k€13k▼
Trade debts44€24k€22k▼
Suppliers440/4€21k€19k▼
Bills of exchange payable441€3k€3k=
Taxes, remuneration and social security45€17k€29k▲
Taxes450/3€17k€29k▲
Remuneration and social security454/9€564€564=
Other amounts payable47/48€11k€11k=
Income statement
Code20242025
Other operating charges640/8€149€279▲
Gross operating margin9900€39k€71k▲
Operating profit (loss)9901€38k€70k▲
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€36k€68k▲
Income taxes67/77€9k€23k▲
Profit (loss) for the period9904€27k€45k▲
Profit (loss) for the period to be appropriated9905€27k€45k▲
Appropriation of the result
Profit (loss) to be appropriated9906€182k€201k▲
Profit (loss) brought forward from the previous period14P€156k€156k=
Transfer to equity691/2€27k€45k▲
To other reserves6921€27k€45k▲
The notes to these accounts (4 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
17-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 48 days late
2025
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 57 days late
2024
31-12
Financial
Weakest financial yearnet €27k ▼50.9%
Net result drops to €27k, the lowest in the series; recovery starts the following year.
13-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 105 days late
2023
05-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 66 days late
2022
31-12
Financial
Equity above €200kEq €223k ▲14.4%
5 profitable years in a row build equity to €223k.
21-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 52 days late
2021
11-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 72 days late
2020
04-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 35 days late
2019
31-12
Financial
Highest result since 2018net €79k ▲31.7%
Operating result €124k, net result €79k, both a record.
31-12
Financial
Equity above €150kEq €173k ▲45.7%
2 profitable years in a row build equity to €173k.
24-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 55 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 59 days late
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Lasne · 1 establishment unit since 1992
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.
Rue de Caturia 181380 LasneGround area
6,184 m²
Building footprint
352 m²
Volume, LiDAR
1,900 m³
2 parcels, Wallonia · tallest building 10.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
COSENUOVE
since 19922.055.945.286
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25051F0213/00D000 | Wallonia | 5,381 m² | 1 · 170 m² | 10.7 m · 2 fl. |
| 25051F0470/00C000 | Wallonia | 803 m² | 1 · 181 m² | 6.2 m · 2 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.
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Of 6,155 companies in sector 46190 we hold annual accounts for 2,570. 1,712 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded17-01-1992
Fiscal year end31-12
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 34 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.