Equity
€311,918 ▼ 37.6%
COMAGINA paid out €164,037 in dividends in a year with a loss of €23,588.
COMAGINA
Lifetime
15 annual accounts with figures on one time axispeak €175,740 (2021)
€88,982▼ 18.4%
lowest -€23,588 (2025)
-€23,588▼ €1,851
peak €521,281 (2023)
€311,918▼ 37.6%
€185,601▼ 57.4%
peak 2.8 FTE (2023)
-not published
Board2 names since 2010
1 directorGIJBELS Nathalie
Documentsfilings and deeds
22-07-20269 days before the deadline
2025micro format
Gross margin from €109,082 to €88,982Loss of €23,588Dividend €164,037Equity from €499,543 to €311,918Debts from €436,149 to €185,601Cash from €619,003 to €76,038
Key points
from the 2025 annual accountsLosses
-€45,326 in two years
The 2024 and 2025 financial years closed with a loss. 2025 was the heaviest.
Turnover
≈ €430,000 estimated
The accounts state no turnover.
Staff
2 employees on 31-12-2025
In 2025, nobody joined and 1 person left.
Liquidity
5.26 was 2.55 in 2024
Short-term debts fell from €295,796 to €63,161.
Position in the sector
-€23,588
Lower net result than 90% of companies in retail trade. Sector median €5,048 · 22,907 companies.
Checked score
91
Excellent
Financially stronger than 45% of micro companies in retail trade (NACE 47)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,275 companies (NACE 47, micro).
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025lowest value
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: 0.1%▲ +0.1 percentage points vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: < 0.1%▼ -0.1 percentage points vs 12-2025
02-2026: 0.1%▲ +0.1 percentage points vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: < 0.1%▼ -0.1 percentage points vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: 0.1%▲ +0.1 percentage points vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026highest value
09-2026: 0.1%● unchanged vs 08-2026highest value
10-2026: 0.1%● unchanged vs 09-2026highest value
11-2026: 0.1%● unchanged vs 10-2026highest value
Financial strengthAverage
Score breakdown
raises risk
Loss of €23,588, the second in a row (financial year 2025)
Sector: Retail trade (NACE 47)
lowers risk
Size: total assets €497,519
Liquidity: current ratio 5.26, cash €76,038, halved
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 47, micro). It does better than 75% of them on solvency, 74% on liquidity, 19% on profitability and 14% on growth.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 6,908 companies had the same profile as COMAGINA has now. Each dot stands for 18 companies, two years later.
90.8%
were still trading
7.8%
stopped another way
1.1%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of COMAGINA itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 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 6,908 companies, not a prediction for COMAGINA. 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.
Credit verdict
Credit of up to €25,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 5.26 (2.55 in 2024), above the usual 1.5. Short-term debt is 12.7% and cash 15.3% of total assets. 37.3% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€23,588
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 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 days early
2024
13 days early
2023
9 days early
2022
7 days early
2021
34 days early
2020
12 days late
2019
21 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 12 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 22 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0823503868
Change of role: GIJBELS Nathalie, from manager to director
Director discharge: GIJBELS Nathalie · Gazette deed
Resignation: COEMANS MARLEEN FRANCINE (director)
Director discharge: COEMANS MARLEEN FRANCINE (director (not named in the articles)) · General meeting of 01-10-2022 · Gazette deed
Incorporation
published on 03-03-2010 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| COMAGINA Beringen | €497,519 | €88,982 | 62.7% | - |
| TUINCENTRUM 'T BLOEMENHOFKE As | €497,192 | €111,886 | 38.4% | - |
| JCPM Pont-à-Celles | €442,946 | €91,987 | 2.2% | - |
| Haesen-Mertens Geel | €518,219 | €88,324 | 76.1% | 0.7 |
| BLOEMEN HENRIOULLE Hasselt | €567,900 | €98,273 | 70.3% | - |
| TUINCENTRUM MIERMANS Zutendaal | €490,133 | €91,157 | 85.8% | - |
| DE HORTUS Hasselt | €414,207 | €100,290 | 51.6% | - |
These companies have the same main activity as COMAGINA: retail sale of flowers, plants, seeds and fertilisers (NACE 47761). They are comparable in size and age: total assets between €414,000 and €568,000, founded between 2005 and 2012.
Official details
Source: KBO- Status
- Active since 01-03-2010Normal situation
- Activity
- Retail sale of flowers, plants, seeds and fertilisersNACE 47761and 3 others
- Joint committee
- 201Independent retail · annual accounts 2025
- Establishment unit
- 2.185.633.8903583 Beringen, since 01-03-2010
- Financial year end
- 31 December
- Peppol
- Reachable since 22-12-2025
Annual accounts 2025
- €497,519▼ 46.8%
- Employeeson 31-12-2025
- 2▼ 33.3%
- Filing
- Filed on 22-07-2026, 9 days before the end of the filing period
Insights on COMAGINA
COMAGINA files the micro format. That format states no turnover. The gross margin fell from €108,210 in 2011 to €88,982 in 2025.
The balance sheet grew most from 2012 to 2014 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about COMAGINA
- What is the company number of COMAGINA?
- The company number of COMAGINA is 0823.503.868. The VAT number is the same number with BE in front: BE 0823.503.868.
- Where is COMAGINA based?
- The registered office is at Paalsesteenweg 289, 3583 Beringen.Company details
- What does COMAGINA do?
- According to the KBO register, the main activity is retail sale of flowers, plants, seeds and fertilisers (NACE 47761).
- What is the legal form of COMAGINA?
- COMAGINA is a private limited company (BV).
- When was COMAGINA founded?
- COMAGINA was founded on 01-03-2010.
- Is COMAGINA still active?
- Yes, COMAGINA is an active enterprise in the KBO register.
- How many employees does COMAGINA have?
- COMAGINA had an average of 2.7 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does COMAGINA fall under?
- In its 2025 annual accounts, COMAGINA states joint committee 201 (Independent retail).
- What is the turnover of COMAGINA?
- The turnover in financial year 2025 is ≈ €430,000. This figure is estimated from the gross margin of €88,982 and 45 comparable companies (NACE 477). It probably lies between €230,000 and €580,000.
- Is COMAGINA profitable?
- In financial year 2025, COMAGINA made a loss of €23,588.
- Where can I find the annual accounts of COMAGINA?
- COMAGINA filed 15 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of COMAGINA due?
- COMAGINA must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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