COSI COM'E
ActiveThe computed 12-month bankruptcy probability of COSI COM'E is 2.0% (moderate). The 2025 annual accounts show equity of €68k and a net result of €6k. Equity is shrinking by ~6.9% per year across the filed fiscal years. Its solvency ranks better than 40% of 13090 sector peers (fiscal year 2025). The company has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
46
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability47▼-3
Solvency44▲+3
Growth58=
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity short (current ratio 0.5 against 1.21 in 2024; short-term debt: 19.1% and cash: 1.6% of total assets), and 81.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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
18.7%
Return on assets
1.6%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €68k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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
24 d late
2024
26 d late
2023
11 d late
2022
31 d late
2021
61 d late
2020
31 d late
2019
69 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€6k▲ 2.9%
2024 · €6k
2018: €3k
2019: €8k
2020: €-24k
2021: €-25k
2022: €-22k
2023: €23k
2024: €6k
2018 → 2025
Working capital
€-35k
2024 · €11k
2018: €56k
2019: €61k
2020: €28k
2021: €11k
2022: €9k
2023: €35k
2024: €11k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€56k-€33k▼ 40.0%€57k▲ 70.3%€62k▲ 9.9%€68k▲ 9.3%
Operating result€-25k-€-20k▲ 18.1%€27k€18k▼ 32.2%€25k▲ 37.9%
Net result€-25k-€-22k▲ 12.0%€23k€6k▼ 76.0%€6k▲ 2.9%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 38% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €365k
Fixed assets
€330k▼ 1.7%
Current assets
€35k▼ 44.8%
Equity and liabilities €365k
Equity
€68k▲ 9.3%
Debt
€297k▼ 11.8%
The debt ratio falls from 84.4% to 81.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€45k▲
2024 · €44k
Cash flow
€26k▼
2024 · €31k
Solvency
18.7%▲
2024 · 15.6%
Current ratio
0.50▼
2024 · 1.21
Quick ratio
0.31▼
2024 · 0.92
Debt / equity
4.36▼
2024 · 5.40
ROE
8.5%▼
2024 · 9.0%
ROA
1.6%▲
2024 · 1.4%
Interest coverage
3.17▼
2024 · 3.49
Debt
€297k▼
2024 · €337k
Debt ≤ 1 year
€70k▲
2024 · €52k
Debt > 1 year
€227k▼
2024 · €281k
Income taxes
€5k
Staff costs
€103k▲
2024 · €98k
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€399k€365k▼
Fixed assets21/28€336k€330k▼
Tangible fixed assets22/27€336k€330k▼
Land and buildings22€302k€291k▼
Plant, machinery and equipment23€3k€3k▼
Furniture and vehicles24€30k€36k▲
Other tangible fixed assets26€806€622▼
Current assets29/58€63k€35k▼
Stocks and contracts in progress3€16k€13k▼
Stocks30/36€16k€13k▼
Amounts receivable within one year40/41€15k€13k▼
Trade receivables40€4k€8k▲
Other amounts receivable41€10k€5k▼
Cash at bank and in hand54/58€24k€6k▼
Deferred charges and accrued income490/1€10k€3k▼
Equity and liabilities
Total equity and liabilities10/49€399k€365k▼
Equity10/15€62k€68k▲
Contributions10/11€20k€20k=
Reserves13€75k€75k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€6k€6k=
Distributable reserves133€67k€67k=
Profit (loss) carried forward14€-33k€-27k▲
Amounts payable17/49€337k€297k▼
Amounts payable after more than one year17€281k€227k▼
Financial debts170/4€224k€197k▼
Other amounts payable178/9€57k€31k▼
Amounts payable within one year42/48€52k€70k▲
Current portion of amounts payable after more than one year42€26k€27k▲
Trade debts44€6k€5k▼
Suppliers440/4€6k€5k▼
Taxes, remuneration and social security45€20k€37k▲
Taxes450/3€8k€10k▲
Remuneration and social security454/9€12k€27k▲
Accrued charges and deferred income492/3€4k-
Income statement
Code20242025
Remuneration, social security and pensions62€98k€103k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€20k▼
Other operating charges640/8€2k€4k▲
Non-recurring operating charges66A-€2k
Gross operating margin9900€144k€155k▲
Operating profit (loss)9901€18k€25k▲
Financial income75/76B€17-
Recurring financial income75€17-
Financial charges65/66B€12k€14k▲
Recurring financial charges65€12k€14k▲
Profit (loss) for the period before taxes9903€6k€11k▲
Income taxes67/77-€5k
Profit (loss) for the period9904€6k€6k▲
Profit (loss) for the period to be appropriated9905€6k€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-33k€-27k▲
Profit (loss) brought forward from the previous period14P€-38k€-33k▲
The notes to these accounts (8 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
11-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 11 days late
2023
31-12
Financial
Back to profitnet €23k
Net result €23k after 3 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 2.72
Current ratio from 1.25 to 2.72; short-term debt falls from €35k to €20k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 61 days late
2021
31-12
Financial
Weakest financial yearnet €-25k
Net result drops to €-25k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 69 days late
2019
31-12
Financial
Equity above €100kEq €104k ▲8.5%
2 profitable years in a row build equity to €104k.
05-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 5 days late
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · full 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, Vorst · 1 establishment unit since 2002
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.
Hoogte Honderdplein 31190 VorstGround area
135 m²
Building footprint
135 m²
Volume, LiDAR
2,522 m³
Parcel 21383B0031/00D032, Brussels · tallest building 20.3 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
COSI COM'E
since 20022.098.789.295
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21383B0031/00D032 | Brussels | 135 m² | 1 · 135 m² | 20.3 m · 6 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteVorst2.098.789.295
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Of 21,904 companies in sector 56112 we hold annual accounts for 9,779. 8,182 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-01-2002
Fiscal year end31-12
Activities, NACEBEL
55301
55302
56101Full-service restaurants
56102Limited-service restaurants
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 24 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.