Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of Comate Holding is 0.5% (low). The 2024 annual accounts show equity of €10.26M and a net result of €250k. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 90% of 74 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 3 annual accounts.
Signals
2 signals · with evidenceStrong solvency vs sector
Solvency is in the sector's strongest quartile: better than 90% of 74 peers (2024). A comfortable equity buffer.
View the sector comparison Consistently profitable
Positive net result in the two most recent financial years (2023 and 2024).
View the result trend Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 19 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-07-2025, 22 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
The year end is derived from 3 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 09-07-2025 | 22 d early | 2025-00258954 |
| 31-12-2023 | 31-07-2024 | 10-07-2024 | 21 d early | 2024-00237322 |
| 31-12-2022 | 31-07-2023 | 26-06-2023 | 35 d early | 2023-00164010 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2021, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone0.5%
Low
0%0,5%1,5%4%10%≥25%
Young company
+Lower-failure-rate sector
−Annual accounts: healthy financial profile
−
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
Turnover€319k+4.9%
EBIT margin39.1%+35.2pp
Net result€250k+79.7%
Working capital€2.03M
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 09-07-2025 with the NBB · fiscal year 2024 · volledig
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining
At this pace, net result would indicatively turn negative around fiscal year 2026, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2024 · NACE 74 · compared within the same schema type (full schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 82.6% | 29.0% | |
| Net result | €250k | €12k | |
| Equity | €10.26M | €53k | |
| Total assets | €12.41M | €280k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P90
Stable position over 2022-2024
· n=52-74
P88
Stable position over 2022-2024
· n=51-73
P95
Stable position over 2022-2024
· n=52-74
P92
Stable position over 2022-2024
· n=52-74
Describes the position versus peers, not a forecast.
€319k
+4.9%
22-24
€250k
+79.7%
22-24
€12.41M
-0.5%
22-24
€10.26M
+2.5%
22-24
€2.03M
-
22-24
€0
-100.0%
22-24
€2.15M
-12.5%
22-24
€271k
-88.9%
22-24
Show 8 other metrics
€1.88M
-
22-24
8.48
+782.2%
22-24
8.48
+782.2%
22-24
82.6%
+3.0%
22-24
0.21
-14.6%
22-24
2.4%
+75.3%
22-24
2.0%
+80.5%
22-24
78.4%
+71.3%
22-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | volledig |
| Revenue | €319k |
| EBITDA | - |
| Net profit | €250k |
| Cash flow | - |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €12.41M |
| Equity | €10.26M |
| Debt | €2.15M |
| of which ≤ 1y | €271k |
| of which > 1y | €1.88M |
| Working capital | €2.03M |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 8.48 |
| Quick ratio | 8.48 |
| Working capital ratio | 16.3% |
| Solvency | 82.6% |
| Debt / equity | 0.21 |
| Long-term debt ratio | 0.18 |
| Interest coverage | - |
| Gross margin | - |
| Net margin | 78.4% |
| ROA | 2.0% |
| ROE | 2.4% |
| EBITDA margin | - |
| Days sales outstanding | 0d |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts (22 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €12.41M |
| Fixed assets | 21/28 | €10.11M |
| Financial fixed assets | 28 | €10.11M |
| Current assets | 29/58 | €2.30M |
| Stocks & contracts in progress | 3 | €0 |
| Amounts receivable within one year | 40/41 | €2.25M |
| Cash & bank | 54/58 | €48k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €12.41M |
| Equity | 10/15 | €10.26M |
| Contributions / capital | 10/11 | €9.32M |
| Accumulated profits (losses) | 14 | €934k |
| Amounts payable | 17/49 | €2.15M |
| Amounts payable after one year | 17 | €1.88M |
| Amounts payable within one year | 42/48 | €271k |
| Trade debts payable within one year | 44 | €19k |
| Income statement | ||
| Turnover | 70 | €319k |
| Operating result | 9901 | €125k |
| Financial income | 75 | €250k |
| Financial charges | 65 | €124k |
| Result before taxes | 9903 | €250k |
| Net result for the period | 9904 | €250k |
| Result to be appropriated | 9905 | €250k |
This table shows the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2024 · computed86
/ 100
Excellent
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Directors
Directors & mandates
8 directors9 of this company's 9 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing below: a director who resigned there may therefore still show here as sitting. See the acts under Publications.
Current directors & mandates
-
BEVER CONSULTING BVLegal entityDirector· perm. rep.: Els DegrooteState Gazette act 25151411 (28-11-2025)Current15-09-2025 → present
-
QUILAUDEMLegal entityDirector· perm. rep.: Nathalie Van Den HauteState Gazette act 24106735 (15-07-2024)Current25-06-2024 → present
-
ALYCHLOLegal entityDirector· perm. rep.: VANDEKERCKHOVE WolfState Gazette act 21343407 (12-07-2021)Current12-07-2021 → present
2 events
- 12-07-2021 Resigned· Director
- 12-07-2021 Appointed· Director
-
Juleste ConsultingLegal entityDirector· perm. rep.: BAERT NathalieState Gazette act 21343407 (12-07-2021)Current12-07-2021 → present
2 events
- 12-07-2021 Resigned· Director
- 12-07-2021 Appointed· Director
-
Current12-07-2021 → present
2 events
- 12-07-2021 Resigned· Director
- 12-07-2021 Appointed· Director
-
Project MangoLegal entityDirector· perm. rep.: VAN DEN DRIES SanderState Gazette act 21343407 (12-07-2021)Current12-07-2021 → present
Former directors (2)
-
Juleste Consulting BVLegal entityDirector· perm. rep.: Nathalie BaertState Gazette act 25151411 (28-11-2025)Former- → 15-09-2025
-
Former12-07-2021 → 25-09-2023
3 events
- 25-09-2023 Resigned· Managing director
- 25-09-2023 Resigned· Director
- 12-07-2021 Appointed· Director
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Overige activiteiten van vrije beroepen en andere wetenschappelijke en technische activiteiten, neg(74999) |
| Legal form | Private limited company(610) |
| Incorporation | 21-05-2021 |
| Status | Active |
| Postal code | 3000 |
Structure & network
Connections & network
20 connected companies14 further connections in this company's network. Available in Kantoor S.
See plans →Group structure
Sits on the board · 10 subsidiaries · 1 location
Control→
Sits on the board · 2 subsidiaries · 1 location
Control→
Sits on the board · 5 subsidiaries · 1 location
Control→
Sits on the board · 4 subsidiaries · 1 location
Control→
Show 2 more group companies
Sits on the board · 2 subsidiaries · 1 location
Control→
Sits on the board · 5 subsidiaries · 1 location
Control→
Network connections
Shared corporate director
→
Shared corporate director
→
Shared corporate director
→
Shared corporate director
→
Show 2 more network connections
Shared corporate director
→
Shared corporate director
→
8 further connected companies in this network. Available in Kantoor S.
See plans →
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Ownership & control
6 partiesControl over this companysits on this company's board6
10 subsidiaries · 1 location
5 subsidiaries · 1 location
5 subsidiaries · 1 location
4 subsidiaries · 1 location
2 subsidiaries · 1 location
2 subsidiaries · 1 location
controls
Comate HoldingBE 0768.653.437
Each band states what its claims rest on. A board seat is influence over the board, not ownership. Court mandates (receiver, interim administrator) and liquidation mandates do not link companies and are therefore absent here; they belong under Directors & mandates.
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationComate Holding
since 20212.317.987.620
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,248 m²
Buildings1
Building footprint491 m²
Volume (LiDAR)7,319 m³
Tallest building16.4 m · ±5 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24062A1082/00T000 | Flanders | 1,248 m² | 1 · 491 m² | 16.4 m · 5 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
7 acts Capital history · 2
04-07-2022
v3.2
05-04-2022
v3.2
All acts · 7
updated 8 months ago
2025
28-11-2025 1 director appointed, 1 resigning
2024
15-07-2024 1 director appointed, 1 resigning
2023
07-12-2023 2 resigning
2022
04-07-2022 Capital increase of €2,200,000
Summary:
v3.2
05-04-2022 Transaction in capital or shares
Summary:
v3.2
2021
12-07-2021 5 directors appointed, 3 resigning
- VANDEKERCKHOVE Wolf, Bestuurder
- HAECK Els, Bestuurder
- BAERT Nathalie, Bestuurder
- FOULON Wouter, Bestuurder
- VAN DEN DRIES Sander, Bestuurder
- VANDEKERCKHOVE Wolf, Bestuurder
- HAECK Els, Bestuurder
- BAERT Nathalie, Bestuurder
Summary:
v3.2
26-05-2021 Incorporation of a new BV
Summary:
oprichting
Analysis
Financial profile
5 of 5 axes measured74
/ 100
Strong profile, led by solvency.
All 5 axes are computed from data Checked has read.
Health
86
Profitability
56
Solvency
100
Growth
35
Stability
94
Credit advice
verdict per customer and amountSimilar
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Company registry
Company registry (CBE)
Crossroads BankActivities
Overige gespecialiseerde wetenschappelijke en technische activiteiten74909Overige activiteiten van vrije beroepen en andere wetenschappelijke en technische activiteiten, neg74999Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
| Legal nameNL | Comate Holding |
Registered office
Karel van Lotharingenstraat 4 bus 301
3000 Leuven, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.