Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 47 % of short-term debt in 2025; threshold 65 %.
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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
MV COSI from Tubize, company number BE0838282413, closed financial year 2025 with a result of € 12,375 after tax. For that financial year MV COSI recorded a gross margin of € 22,674 and equity of € 33,240. Compared with financial year 2024, the result moved from € 12,699 to € 12,375. The company is profitable. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on August 31, 2026.
€ 33,240
▲ 59% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 12,375
▼ 3% vs 2024
Profit after tax over the fiscal year.
€ 21,095
▲ 15% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 14,640.
People and assets in 2025
€ 170
▲ 4% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
Debts at end 2025
€ 86,267
▼ 11% vs 2024
€ 10,842 is repaid this year. At this pace the long-term loan is gone in ≈ 8 years.
€ 6,074
▲ 293% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 4,588
▲ 17% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 9,798 | € 25,770 | € 23,241 | € 22,674 | ▼ 2% |
| Profit after taxes | € -2,284 | € 14,432 | € 12,699 | € 12,375 | ▼ 3% |
| Equity | € -6,265 | € 8,167 | € 20,866 | € 33,240 | ▲ 59% |
| Total debts | € 178,578 | € 162,780 | € 146,712 | € 136,502 | ▼ 7% |
| Cash | € 14,265 | € 14,149 | € 18,415 | € 21,095 | ▲ 15% |
| Land & buildings | € 154,878 | € 149,538 | € 144,197 | € 138,857 | ▼ 4% |
| Retained profit | € -24,865 | € -10,433 | € 2,266 | € 14,640 | ▲ € 12,375 |
| Bank debt | € 116,959 | € 107,025 | € 96,797 | € 86,267 | ▼ 11% |
| Balance sheet total | € 172,313 | € 170,947 | € 167,577 | € 169,743 | ▲ 1% |
Key figures of MV COSI, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to MV COSI?
What happened at MV COSI in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 12,375 (▼ 3% vs 2024). filed late Source: NBB ↗
- VINCENZA CHIPARO became a director. NBB
- MICHELE CHARDON became a director. NBB
- New establishment in Waterloo. KBO
- LUIGI DORADO became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 2,284 loss in 2022 to € 12,375 profit in 2025.
Paid € 233 in corporate taxes since 2022.
Best year ever: 2023, with € 14,432 profit.
A new publication or filing at MV COSI? We notify you, reason included.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind MV COSI are VINCENZA CHIPARO, LUIGI DORADO and MICHELE CHARDON. LUIGI DORADO is also behind L-J-L.
Directors
According to the 2025 annual accounts
VINCENZA CHIPARO
Director
since 2011
since 2011
MICHELE CHARDON
Director
since 2011
Establishments
Establishment units
Physical locations of this company
Rue Saint-Jean 240
1480 Tubize
Chaussée de Bruxelles 165 box 67
1410 Waterloo
Active since 1 October 2011
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0838.282.413
- VAT number
- BE 0838.282.413
- Registered office
- Rue Saint-Jean 240, 1480 Tubize
- Names & denominations
- MV COSI
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 2 August 2011
- Peppol
- Not registered
- Activities · NACE
Kappers- en barbiersactiviteiten
Haarverzorging
Detailhandel in cosmetica en toiletartikelen