Skip to content

COM. FACTORY BELGIUM

Active
Private limited companyfounded 2002active for 23 yearsRue de Namur 53/55, 1400 Nivelles, BelgiumKBO/BCE: BE 0478.946.705
Summary

The computed 12-month bankruptcy probability of COM. FACTORY BELGIUM is 2.3% (moderate). The 2024 annual accounts show equity of €115,157 and a net result of -€33,018. Equity is growing by about 16% per year across the filed financial years. Its solvency ranks better than 24% of 8,807 sector peers (NACE 73, financial year 2024). The company has been active since 2002 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Activity
Advertising agencies
NACE 73110
1 site
Size
€539,662total assets 2024
Equity
€115,157
Loss
-€33,018
Turnover not published (micro format)
Financial health
51 Fair Checked score 2024
Bankruptcy probabilitywithin 12 months
2.3%
Structure
Accounts 76 days overdue0 of 3 deeds read
Why 51raises riskFigures for financial year 2024 (filed 21-10-2025)1 financial year not filed after the legal deadline; latest accounts 80 days late; 2 of the last 3 lateLoss of €33,018 (financial year 2024)lowers riskFounded in 2002Show the evidence

Checked score

Score 2024
51 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 23% of its sector peers (NACE 73, micro)
Financial strength · tick = 2023
Weak
Solvency 46-6
equity 21.3% of total assets
Liquidity 17-2
short-term debt 66.4% · cash 1.5%
Profitability 55-18
return on assets -6.1%
Bankruptcy probability, 12 months
2.3% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (11,205 companies, NACE 73, micro)
Last 24 months 11-2024: 0.8% 12-2024: 0.8%● unchanged vs 11-2024 01-2025: 0.8%● unchanged vs 12-2024 02-2025: 0.8%● unchanged vs 01-2025 03-2025: 0.8%● unchanged vs 02-2025 04-2025: 0.8%● unchanged vs 03-2025 05-2025: 0.8%● unchanged vs 04-2025 06-2025: 0.7%▼ -0.1 percentage points vs 05-2025lowest value 07-2025: 0.9%▲ +0.2 percentage points vs 06-2025 08-2025: 1.4%▲ +0.5 percentage points vs 07-2025 09-2025: 1.6%▲ +0.2 percentage points vs 08-2025 10-2025: 2.0%▲ +0.4 percentage points vs 09-2025 11-2025: 1.3%▼ -0.7 percentage points vs 10-2025 12-2025: 1.3%● unchanged vs 11-2025 01-2026: 1.3%● unchanged vs 12-2025 02-2026: 1.3%● unchanged vs 01-2026 03-2026: 1.3%● unchanged vs 02-2026 04-2026: 1.3%● unchanged vs 03-2026 05-2026: 1.2%▼ -0.1 percentage points vs 04-2026 06-2026: 1.2%● unchanged vs 05-2026 07-2026: 1.2%● unchanged vs 06-2026 08-2026: 1.8%▲ +0.6 percentage points vs 07-2026 09-2026: 2.0%▲ +0.2 percentage points vs 08-2026 10-2026: 2.3%▲ +0.3 percentage points vs 09-2026highest value
Credit of up to €5,000 on 30-day terms, only on tighter conditions: an expected filing is missing beyond Checked's processing allowance
Liquidity insufficient (current ratio 0.55, compared with 0.61 in 2023, below 1; short-term debt: 66.4% and cash: 1.5% of total assets), and 78.7% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 73, micro): better than 27% on solvency, 9% on liquidity, 31% on profitability and 23% on growth.

The bankruptcy probability was computed on 14-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

Credit check for your own amount and term

Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

Seven signals.
lowers riskraises riskneutral
raises risk · Figures for financial year 2024 (filed 21-10-2025)
NBB · annual accounts
raises risk · 1 financial year not filed after the legal deadline; latest accounts 80 days late; 2 of the last 3 late
NBB · filings
raises risk · Loss of €33,018 (financial year 2024)
NBB · annual accounts
lowers risk · Founded in 2002
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 8807 sector peers (2024).
NBB · sector comparison
Position among 8807 sector peers
Solvency
better than 24%
← weakest strongest →
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 76 days later.
NBB · 10 filings
Position against the passed deadline
31-12-2025 year end31-07-2026 deadline15-10-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 19-10-2025, 80 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
not filed
2024
80 days late
2023
31 days late
2022
28 days late
2021
92 days late
2020
31 days late
2019
92 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 59 days after the deadline; the sector median (NACE 73) for financial year 2024 is 6 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2024 · micro…
  2. Weakest financial yearnet -€33,018
  3. Annual accounts filedfinancial year 2023 · micro…

Key points

  • Caution: From profit to loss in 2024after €19,598 in 2023 -€33,018 View
  • Caution: Among the weakest 5% on net resultsector median €13,910 · 8,809 companies -€33,018 View
  • Caution: Accounts not fileddeadline was 31-07-2026 76 days late View

By topic

Financials

Financial year
2024
Total assets
€539,662
Loss
-€33,018
Solvency
21.3%
Total assets▼ 2.1%
Net result
20182024
Go to Financials

Timeline

Events
25
Since
2005
  1. 28-08-2023Annual accounts filed
  2. 31-10-2022Annual accounts filed
  3. 31-12-2021Highest result from 2018 to 2024
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Advertising agenciesNACE 73110
Founded
05-12-2002
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Go further with this company

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.