COM&LEX EXPERTISES
ActiveSummary
COM&LEX EXPERTISES has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €8,582 and a net result of €22,353. Equity is growing by ~23.4% per year across the filed fiscal years. Its solvency ranks better than 23% of 3521 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+46
Solvency40▼-60
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.18 against 7.85 in 2024; short-term debt: 85% and cash: 41.8% of total assets), and 85% of the assets are financed with debt.
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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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 74
Relative position
BE, all sectors
reference
Other professional, scientific and technical activities (NACE 74)
about 48% fewer bankruptcies
← 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
15%
Return on assets
39.2%
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 23% of 3521 sector peers (2025).
NBB · sector comparisonPosition among 3521 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-05-2026, 62 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
62 d early
2024
31 d early
2023
35 d early
2022
29 d early
2021
36 d early
2020
16 d early
← 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 35 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 27 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€8,582▼ 54.1%
2024 · €18,681
Total assets
€57,056▲ 167%
2024 · €21,408
Net result
€22,353▲ 1,484%
2024 · €1,411
Working capital
€8,582▼ 54.1%
2024 · €18,681
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 74, Other professional, scientific and technical activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€7,756▲ 138%€13,888▲ 79.1%€11,447▼ 17.6%€2,082▼ 81.8%€29,911▲ 1,336%
Net result€5,582within the sector's middle half▲ 116%€10,099within the sector's middle half▲ 80.9%€9,125within the sector's middle half▼ 9.6%€1,411within the sector's middle half▼ 84.5%€22,353within the sector's middle half▲ 1,484%
Equity€8,582below the sector's middle half▲ 186%€18,681within the sector's middle half▲ 118%€18,681within the sector's middle half=€18,681within the sector's middle half=€8,582below the sector's middle half▼ 54.1%
Total assets€30,872below the sector's middle half▲ 368%€22,965below the sector's middle half▼ 25.6%€30,679below the sector's middle half▲ 33.6%€21,408below the sector's middle half▼ 30.2%€57,056within the sector's middle half▲ 167%
Debt€22,290▲ 521%€4,284▼ 80.8%€11,998▲ 180%€2,727▼ 77.3%€48,474▲ 1,677%
Working capital€8,582within the sector's middle half▲ 186%€18,681within the sector's middle half▲ 118%€18,681within the sector's middle half=€18,681within the sector's middle half=€8,582within the sector's middle half▼ 54.1%
Solvency27.8%within the sector's middle half▼ 17.7pp81.3%above the sector's middle half▲ 53.5pp60.9%within the sector's middle half▼ 20.5pp87.3%above the sector's middle half▲ 26.4pp15.0%below the sector's middle half▼ 72.2pp
Current ratio1.39within the sector's middle half▼ 0.455.36above the sector's middle half▲ 3.982.56within the sector's middle half▼ 2.807.85above the sector's middle half▲ 5.291.18within the sector's middle half▼ 6.67
Return on assets (ROA)18.1%within the sector's middle half▼ 21.1pp44.0%above the sector's middle half▲ 25.9pp29.7%above the sector's middle half▼ 14.2pp6.6%within the sector's middle half▼ 23.1pp39.2%above the sector's middle half▲ 32.6pp
above
within
below
the middle half (P25 to P75) of NACE 74, Other professional, scientific and technical activities, each year against the same schema; no band under 30 filings.
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 1,336% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €57,056
Equity
€8,582 ▼ 54.1%
Debt
€48,474 ▲ 1,677%
Debt's share of the balance-sheet total rises from 12.7% to 85.0%. Equity is lower and debt is higher.
Key figures and ratios
Debt to equity
5.65▲
2024 · 0.15
ROE
260.5%▲
2024 · 7.6%
Debt ≤ 1 year
€48,474▲
2024 · €2,727
Income taxes
€7,512▲
2024 · €642
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,713 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 96% are still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
1.8%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,713 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €230 | - |
| Other operating charges640/8 | €348 | €348 | €384 | €2,744 | €400 | ▼ 85.4% |
| Gross operating margin9900 | €8,104 | €14,236 | €11,831 | €4,826 | €30,540 | ▲ 533% |
| Operating profit (loss)9901 | €7,756 | €13,888 | €11,447 | €2,082 | €29,911 | ▲ 1,336% |
| Financial income75/76B | €0 | €100 | €97 | €123 | €41 | ▼ 66.8% |
| Recurring financial income75 | €0 | €100 | €97 | €123 | €41 | ▼ 66.8% |
| Financial charges65/66B | €33 | €54 | €54 | €153 | €86 | ▼ 43.7% |
| Recurring financial charges65 | €33 | €54 | €54 | €153 | €86 | ▼ 43.7% |
| Profit (loss) for the period before taxes9903 | €7,723 | €13,934 | €11,489 | €2,053 | €29,866 | ▲ 1,355% |
| Income taxes67/77 | €2,141 | €3,835 | €2,364 | €642 | €7,512 | ▲ 1,071% |
| Profit (loss) for the period9904 | €5,582 | €10,099 | €9,125 | €1,411 | €22,353 | ▲ 1,484% |
| Profit (loss) for the period to be appropriated9905 | €5,582 | €10,099 | €9,125 | €1,411 | €22,353 | ▲ 1,484% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €30,872 | €22,965 | €30,679 | €21,408 | €57,056 | ▲ 167% |
| Current assets29/58 | €30,872 | €22,965 | €30,679 | €21,408 | €57,056 | ▲ 167% |
| Amounts receivable within one year40/41 | €5,366 | €12,738 | €20,934 | €12,202 | €33,179 | ▲ 172% |
| Trade receivables40 | €4,747 | €8,327 | €19,146 | €10,488 | €30,680 | ▲ 193% |
| Other amounts receivable41 | €619 | €4,411 | €1,788 | €1,713 | €2,499 | ▲ 45.8% |
| Cash at bank and in hand54/58 | €25,505 | €10,227 | €9,746 | €9,207 | €23,877 | ▲ 159% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €30,872 | €22,965 | €30,679 | €21,408 | €57,056 | ▲ 167% |
| Equity10/15 | €8,582 | €18,681 | €18,681 | €18,681 | €8,582 | ▼ 54.1% |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Reserves13 | €5,582 | €15,681 | €15,681 | €15,681 | €5,582 | ▼ 64.4% |
| Distributable reserves133 | €5,582 | €15,681 | €15,681 | €15,681 | €5,582 | ▼ 64.4% |
| Amounts payable17/49 | €22,290 | €4,284 | €11,998 | €2,727 | €48,474 | ▲ 1,677% |
| Amounts payable within one year42/48 | €22,290 | €4,284 | €11,998 | €2,727 | €48,474 | ▲ 1,677% |
| Trade debts44 | €19,100 | €449 | €2,874 | €693 | €13,968 | ▲ 1,916% |
| Suppliers440/4 | €19,100 | €449 | €2,874 | €693 | €13,968 | ▲ 1,916% |
| Advances received on contracts in progress46 | €733 | - | - | - | - | - |
| Taxes, remuneration and social security45 | €2,457 | €3,835 | €1,369 | €835 | €6,063 | ▲ 626% |
| Taxes450/3 | €2,457 | €3,835 | €1,369 | €835 | €6,063 | ▲ 626% |
| Other amounts payable47/48 | - | - | €7,756 | €1,200 | €28,443 | ▲ 2,271% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €5,582 | €10,099 | €9,125 | €1,411 | €22,353 | ▲ 1,484% |
| Operating cash flow (approximation) | €5,582 | €10,099 | €9,125 | €1,411 | €22,353 | ▲ 1,484% |
| Change in cash | - | -€15,278 | -€482 | -€539 | €14,670 | ▲ 2,821% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €22,353 ▲1,484%
Operating result €29,911, net result €22,353, both a record.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €1,411 ▼84.5%
Net result drops to €1,411, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 7.85
Current ratio from 2.56 to 7.85; short-term debt falls from €11,998 to €2,727.
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
02-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity quadruplescurrent ratio 5.36
Current ratio from 1.39 to 5.36; short-term debt falls from €22,290 to €4,284.
25-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Sint-Lambrechts-Woluwe · 2 establishment units since 2019
Ground area
1,575 m²
Building footprint
634 m²
Volume, LiDAR
12,564 m³
3 parcels, Brussels, Wallonia · tallest building 27.6 m, ±7 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
2 establishment units
COM&LEX EXPERTISES
since 20192.296.940.796
COM&LEX EXPERTISES
since 20192.296.940.895
3 parcels
Wallonia
1
(33.3%)
Brussels
2
(66.7%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21612C0001/00F050 | Brussels | 1,249 m² | 1 · 501 m² | 27.6 m · 7 fl. |
| 21673D0151/00W010 | Brussels | 187 m² | 1 · 75 m² | 13.6 m · 4 fl. |
| 25385B0021/00W006 | Wallonia | 139 m² | 1 · 57 m² | 11.8 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 4,551 companies in sector 74999 we hold annual accounts for 1,933. 932 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded21-10-2019
Fiscal year end31-12
Activities, NACEBEL 2025
74999Other professional, scientific and technical activities
Contact
E-mail
cb@comelex.be
E-invoicing
Reachable via Peppol
Peppol ID
0208:0736608793
Also
9925:BE0736608793
Registered
03-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.