Com.Fi.Able
ActiveSummary
Com.Fi.Able has been active since 2020 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €49,011 and a net result of €17,582. Equity has been growing by about 31% per year since 2021. Its solvency ranks better than 28% of 39,242 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 29-06-2020 Normal situation
- Activity
- Business and other management consultancy NACE 70200and 2 others
- Establishment unit
- 2.304.066.140 9820 Merelbeke-Melle, since 29-06-2020
- Financial year end
- 31 December
- Peppol
- Reachable since 01-09-2025
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.3%
- Gross margin
- €37,920
- ▲ 28.5%
- Turnover
- ≈ €110,000
- estimated
- Profit
- €17,582
- Equity
- €49,011
- ▲ 55.9%
- Total assets
- €183,659
- ▲ 8.7%
Score breakdownraises risk1 change of registered office in 24 monthslowers riskSector: Activities of head offices; management consultancy activities (NACE 70)Liquidity: current ratio 1.55, cash €27,859Size: total assets €183,659Show the evidence
Checked score
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 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 70, micro). It does better than 28% of them on solvency, 55% on liquidity, 48% on profitability and 82% on growth.
The bankruptcy probability was computed on 01-11-2026 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. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 5 accounts on average 31 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 06-07-2026 at the NBB all 5 filings
2021 to 2025, 5 financial years
The operating result for 2025 is over 12 times that of 2024 and the highest since 2021. It is a recovery after the fall in 2024.
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Activities of head offices; management consultancy activities (NACE 70). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio and return on assets (ROA).
Securities and guarantees
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Mortgages, amount registered | - | - | - | €25,000 | €25,000 |
| Mortgage mandates | - | - | - | €88,000 | €88,000 |
| Carrying value of the mortgaged assets | - | - | - | €130,635 | €127,008 |
Source: notes to the 2021 to 2025 annual accounts (statement of debts and off-balance-sheet rights and commitments)
Investments
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Tangible fixed assets | €1,747 | - | €8,276 | €155,966 | €1,626 |
| Depreciation and write-downs of the year | €855 | €582 | €756 | €25,960 | €4,360 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
Subsidies and aid
Flemish government
2022 to 2025 · 3 entries · €1,962 awarded · €1,962 paid| Year | Entries | Awarded | Paid |
|---|---|---|---|
| 2025 | 1 | €227 | €227 |
| 2024 | 1 | €71 | €71 |
| 2022 | 1 | €1,664 | €1,664 |
Comparable companies
These companies have the same main activity as Com.Fi.Able: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €161,000 and €205,000, founded between 2019 and 2020.
| Company | Founded | Total assets | Equity | Gross margin | Net result | Financial year |
|---|---|---|---|---|---|---|
| Com.Fi.Able Sint-Lievens-Houtem | 2020 | €183,659 | €49,011 | €37,920 | €17,582 | 2025 |
| FINANCIAL BUSINESS INTELLIGENCE Aalst | 2020 | €191,726 | €9,165 | €40,242 | €11,791 | 2025 |
| SUPPLUS Dendermonde | 2020 | €161,433 | €154,128 | €37,223 | €27,176 | 2025 |
| REZA Deinze | 2020 | €181,332 | €125,423 | €41,784 | €25,606 | 2025 |
| DATALYSE Gent | 2020 | €205,125 | €199,080 | €35,943 | €21,433 | 2026 |
| BTH-Services Temse | 2019 | €204,319 | €88,089 | €38,030 | €22,219 | 2025 |
| Schietsson Lochristi | 2020 | €187,363 | €174,578 | €32,683 | €13,989 | 2025 |
They were chosen from the 54,694 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity
Companies with the same profile, two years later
Historical observationIn July 2024, 6,713 companies had the same profile as Com.Fi.Able has now. Two years later, 1.8% had gone bankrupt and 95.8% were still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Com.Fi.Able itself is lower: 0.3% within 12 months. It rests on far more data about Com.Fi.Able than the profile alone.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,713 companies, not a prediction for Com.Fi.Able. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €7,233 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €855 | €582 | €756 | €25,960 | €4,360 | ▼ 83.2% |
| Other operating charges640/8 | €617 | €322 | €716 | €1,145 | €3,610 | ▲ 215% |
| Gross operating margin9900 | €6,056 | €18,333 | €20,251 | €29,515 | €37,920 | ▲ 28.5% |
| Operating profit (loss)9901 | €4,583 | €17,429 | €18,778 | €2,409 | €29,949 | ▲ 12× |
| Financial income75/76B | €0 | - | €171 | €32 | €8 | ▼ 76.0% |
| Recurring financial income75 | €0 | - | €171 | €32 | €8 | ▼ 76.0% |
| Financial charges65/66B | €1,400 | €784 | €460 | €5,066 | €5,708 | ▲ 12.7% |
| Recurring financial charges65 | €1,400 | €784 | €460 | €5,066 | €5,708 | ▲ 12.7% |
| Profit (loss) for the period before taxes9903 | €3,184 | €16,645 | €18,489 | -€2,625 | €24,249 | - |
| Income taxes67/77 | €1,232 | €5,144 | €5,250 | €138 | €6,667 | ▲ 48× |
| Profit (loss) for the period9904 | €1,951 | €11,501 | €13,240 | -€2,763 | €17,582 | - |
| Profit (loss) for the period to be appropriated9905 | €1,951 | €11,501 | €13,240 | -€2,763 | €17,582 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €23,543 | €34,494 | €57,077 | €168,933 | €183,659 | ▲ 8.7% |
| Formation expenses20 | €0 | - | - | - | - | - |
| Fixed assets21/28 | €892 | €310 | €1,441 | €131,447 | €128,712 | ▼ 2.1% |
| Tangible fixed assets22/27 | €892 | €310 | €1,441 | €131,447 | €128,712 | ▼ 2.1% |
| Land and buildings22 | - | - | - | €130,635 | €127,008 | ▼ 2.8% |
| Plant, machinery and equipment23 | €892 | €310 | €1,441 | - | €1,522 | - |
| Furniture and vehicles24 | - | - | - | €812 | €183 | ▼ 77.5% |
| Current assets29/58 | €22,651 | €34,184 | €55,635 | €37,486 | €54,947 | ▲ 46.6% |
| Amounts receivable within one year40/41 | - | €8,712 | €19,992 | €11,069 | €1,914 | ▼ 82.7% |
| Trade receivables40 | - | €8,712 | €17,742 | €6,897 | - | - |
| Other amounts receivable41 | - | - | €2,250 | €4,172 | €1,914 | ▼ 54.1% |
| Current investments50/53 | - | - | €7,500 | - | €22,500 | - |
| Cash at bank and in hand54/58 | €20,668 | €25,176 | €27,972 | €24,791 | €27,859 | ▲ 12.4% |
| Deferred charges and accrued income490/1 | €1,983 | €296 | €171 | €1,626 | €2,674 | ▲ 64.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €23,543 | €34,494 | €57,077 | €168,933 | €183,659 | ▲ 8.7% |
| Equity10/15 | €9,451 | €20,952 | €34,192 | €31,429 | €49,011 | ▲ 55.9% |
| Contributions10/11 | €7,500 | €7,500 | €7,500 | €7,500 | €7,500 | = |
| Reserves13 | - | €11,400 | €24,600 | €24,600 | €41,511 | ▲ 68.7% |
| Non-distributable reserves130/1 | - | €11,400 | - | - | - | - |
| Reserves not available under the articles1311 | - | €11,400 | - | - | - | - |
| Distributable reserves133 | - | - | €24,600 | €24,600 | €41,511 | ▲ 68.7% |
| Profit (loss) carried forward14 | €1,951 | €2,052 | €2,092 | -€671 | - | - |
| Amounts payable17/49 | €14,092 | €13,542 | €22,885 | €137,504 | €134,648 | ▼ 2.1% |
| Amounts payable after more than one year17 | - | - | - | €103,856 | €97,793 | ▼ 5.8% |
| Financial debts170/4 | - | - | - | €103,856 | €97,793 | ▼ 5.8% |
| Amounts payable within one year42/48 | €14,092 | €13,542 | €22,885 | €32,085 | €35,551 | ▲ 10.8% |
| Current portion of amounts payable after more than one year42 | €739 | - | €1,262 | €5,839 | €6,623 | ▲ 13.4% |
| Financial debts43 | €4,177 | - | - | - | €108 | - |
| Credit institutions430/8 | - | - | - | - | €108 | - |
| Other loans439 | €4,177 | - | - | - | - | - |
| Trade debts44 | €2,411 | €2,021 | €2,099 | €3,743 | €5,054 | ▲ 35.0% |
| Suppliers440/4 | €2,411 | €2,021 | €2,099 | €3,743 | €5,054 | ▲ 35.0% |
| Taxes, remuneration and social security45 | €4,362 | €9,191 | €6,732 | €1,363 | €7,741 | ▲ 468% |
| Taxes450/3 | €4,362 | €9,191 | €6,732 | €1,363 | €7,741 | ▲ 468% |
| Other amounts payable47/48 | €2,403 | €2,329 | €12,792 | €21,139 | €16,024 | ▼ 24.2% |
| Accrued charges and deferred income492/3 | - | - | - | €1,564 | €1,304 | ▼ 16.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1,951 | €11,501 | €13,240 | -€2,763 | €17,582 | - |
| + Depreciation and write-downs630 | €855 | €582 | €756 | €25,960 | €4,360 | ▼ 83.2% |
| Operating cash flow (approximation) | €2,807 | €12,083 | €13,996 | €23,197 | €21,943 | ▼ 5.4% |
| Investment in fixed assets (approximation) | - | €0 | -€1,888 | -€155,966 | -€1,626 | ▲ 99.0% |
| Change in cash | - | €4,508 | €2,796 | -€3,181 | €3,068 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Filings with the National Bank (5)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 06-07-2026 | 2026-00270861 | NBB |
| 31-12-2024 | micro format | 20-07-2025 | 2025-00293147 | |
| 31-12-2023 | micro format | 25-06-2024 | 2024-00173892 | |
| 31-12-2022 | micro format | 21-06-2023 | 2023-00143267 | |
| 31-12-2021 | micro format | 20-06-2022 | 2022-20078944 |
Board & ownership
Directors
Owners and capital
Owners
Network & group
Com.Fi.Able shares no director with another company.
Connections & network
1 current directorThe network starts from the directors of Com.Fi.Able. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
09-04
Gazette deed
Registered office moved from Merelbeke-Melle to Sint-Lievens-HoutemDirector in office3 points ▸
- Board meeting, 20-03-2025
- Registered-office move, Wettersesteenweg 59 C 9520 Sint-Lievens-Houtem
- Director in office, LUC SYMOENS (director)
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the addresses
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 41063A0194/00Z000 | Flanders | 341 m² | 1 · 60 m² | 8.6 m · 2 |
| 44413A0240/00T005 | Flanders | 235 m² | 1 · 152 m² | 10.3 m · 1 |