COLMAN INTERIEUR
ActiveThe computed 12-month bankruptcy probability of COLMAN INTERIEUR is 2.1% (moderate). The 2025 annual accounts show equity of €119k and a net result of €23k. Equity is growing by ~29.6% per year across the filed fiscal years. Its solvency ranks better than 15% of 27711 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▲+1
Solvency36▼-3
Growth78=
Track record94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity short (current ratio 0.49 against 1.03 in 2024; short-term debt: 35.9% and cash: 13.2% of total assets), and 89.2% 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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
10.8%
Return on assets
2.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 27711 sector peers (2025).
NBB · sector comparisonPosition among 27711 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-09-2026, 41 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 · 4 filingsDeviation from the deadline
2025
41 d late
2024
32 d early
2023
9 d early
2022
32 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€119k▲ 24.6%
2024 · €95k
2022: €36k
2023: €77k
2024: €95k
2022 → 2025
Total assets
€1.10M▲ 62.4%
2024 · €674k
2022: €671k
2023: €670k
2024: €674k
2022 → 2025
Net result
€23k▲ 28.0%
2024 · €18k
2022: €11k
2023: €41k
2024: €18k
2022 → 2025
Working capital
€-202k
2024 · €6k
2022: €-23k
2023: €-16k
2024: €6k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€36k-€77k▲ 114%€95k▲ 23.8%€119k▲ 24.6%
Operating result€17k-€49k▲ 188%€25k▼ 49.1%€32k▲ 27.4%
Net result€11k-€41k▲ 275%€18k▼ 55.4%€23k▲ 28.0%
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 27% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.10M
Fixed assets
€904k▲ 91.5%
Current assets
€191k▼ 5.5%
Equity and liabilities €1.10M
Equity
€119k▲ 24.6%
Debt
€977k▲ 68.6%
The debt ratio rises from 85.9% to 89.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€57k▲
2024 · €46k
Cash flow
€49k▲
2024 · €39k
Solvency
10.8%▼
2024 · 14.1%
Current ratio
0.49▼
2024 · 1.03
Quick ratio
0.47▼
2024 · 0.92
Debt / equity
8.23▲
2024 · 6.08
ROE
19.7%▲
2024 · 19.2%
ROA
2.1%▼
2024 · 2.7%
Interest coverage
5.90▲
2024 · 5.76
Debt
€977k▲
2024 · €579k
Debt ≤ 1 year
€393k▲
2024 · €196k
Debt > 1 year
€583k▲
2024 · €383k
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€674k€1.10M▲
Fixed assets21/28€472k€904k▲
Tangible fixed assets22/27€472k€904k▲
Land and buildings22€470k€848k▲
Plant, machinery and equipment23€2k€55k▲
Furniture and vehicles24-€706
Current assets29/58€202k€191k▼
Stocks and contracts in progress3€21k€8k▼
Stocks30/36€1k€8k▲
Contracts in progress37€20k-
Amounts receivable within one year40/41€25k€25k▼
Trade receivables40€25k€21k▼
Other amounts receivable41€261€4k▲
Current investments50/53€90k-
Cash at bank and in hand54/58€65k€145k▲
Deferred charges and accrued income490/1€740€13k▲
Equity and liabilities
Total equity and liabilities10/49€674k€1.10M▲
Equity10/15€95k€119k▲
Contributions10/11€25k€25k=
Reserves13€70k€94k▲
Distributable reserves133€70k€94k▲
Amounts payable17/49€579k€977k▲
Amounts payable after more than one year17€383k€583k▲
Financial debts170/4€383k€442k▲
Other amounts payable178/9-€141k
Amounts payable within one year42/48€196k€393k▲
Current portion of amounts payable after more than one year42€17k€26k▲
Trade debts44€14k€366k▲
Suppliers440/4€14k€366k▲
Advances received on contracts in progress46€5k-
Taxes, remuneration and social security45€4k€2k▼
Taxes450/3€4k€2k▼
Other amounts payable47/48€157k-
Accrued charges and deferred income492/3-€450
Income statement
Code20242025
Non-recurring operating income76A-€3k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€26k▲
Other operating charges640/8€4k€3k▼
Gross operating margin9900€50k€61k▲
Operating profit (loss)9901€25k€32k▲
Financial income75/76B€6k€2k▼
Recurring financial income75€6k€2k▼
Financial charges65/66B€8k€10k▲
Recurring financial charges65€8k€10k▲
Profit (loss) for the period before taxes9903€23k€23k▲
Income taxes67/77€5k-
Profit (loss) for the period9904€18k€23k▲
Profit (loss) for the period to be appropriated9905€18k€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€18k€23k▲
Transfer to equity691/2€18k€23k▲
To other reserves6921€18k€23k▲
The notes to these accounts (9 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
10-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 41 days late
2025
31-12
Financial
Equity above €100kEq €119k ▲24.6%
4 profitable years in a row build equity to €119k.
29-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2022net €41k ▲275%
Operating result €49k, net result €41k, both a record.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Laarne · 1 establishment unit since 2023
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.
Schriekstraat 69270 LaarneGround area
1,017 m²
Building footprint
205 m²
Volume, LiDAR
1,058 m³
Parcel 42009E0004/00V002, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
COLMAN INTERIEUR
since 20232.344.275.214
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42009E0004/00V002 | Flanders | 1,017 m² | 1 · 205 m² | 10.6 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 2 entries · 545 EUR awarded · 545 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 300 EUR | 300 EUR |
| 2022 | 1 | 245 EUR | 245 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 20,026 companies in sector 43320 we hold annual accounts for 9,136. 7,706 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-01-2022
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
16110Sawmilling and planing of wood
31004Manufacture of dining room, living room, bedroom and bathroom furniture
43240Other construction installation
43299Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.