Cômâva
ActiveThe computed 12-month bankruptcy probability of Cômâva is 2.6% (moderate). The 2025 annual accounts show equity of €112k and a net result of €29k. Equity is growing by ~39% per year across the filed fiscal years. Its solvency ranks better than 20% of 27676 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
43
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability55▼-26
Solvency43▼-4
Growth52=
Track record94
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days only on tighter terms
Liquidity tight (current ratio 1.32 against 1.17 in 2024; short-term debt: 68% and cash: 1.2% of total assets), and 82.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
17.5%
Return on assets
4.6%
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 20% of 27676 sector peers (2025).
NBB · sector comparisonPosition among 27676 sector peers
Solvency
better than 20%
← 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 30-07-2026, 1 day ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
1 d early
2024
19 d late
2023
106 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€112k▲ 35.2%
2024 · €83k
2023: €48k
2024: €83k
2023 → 2025
Total assets
€641k▲ 72.7%
2024 · €371k
2023: €321k
2024: €371k
2023 → 2025
Net result
€29k▼ 17.7%
2024 · €36k
2023: €43k
2024: €36k
2023 → 2025
Working capital
€138k▲ 181%
2024 · €49k
2023: €28k
2024: €49k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€48k-€83k▲ 74.6%€112k▲ 35.2%
Operating result€56k-€53k▼ 5.3%€32k▼ 38.9%
Net result€43k-€36k▼ 17.6%€29k▼ 17.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 39% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €641k
Fixed assets
€67k▲ 97.6%
Current assets
€574k▲ 70.2%
Equity and liabilities €641k
Equity
€112k▲ 35.2%
Debt
€529k▲ 83.6%
The debt ratio rises from 77.6% to 82.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€41k▼
2024 · €61k
Cash flow
€38k▼
2024 · €44k
Solvency
17.5%▼
2024 · 22.4%
Current ratio
1.32▲
2024 · 1.17
Quick ratio
0.63▼
2024 · 0.98
Debt / equity
4.71▲
2024 · 3.46
ROE
26.0%▼
2024 · 42.7%
ROA
4.6%▼
2024 · 9.6%
Interest coverage
3.69▼
2024 · 18.00
Debt
€529k▲
2024 · €288k
Debt ≤ 1 year
€436k▲
2024 · €288k
Debt > 1 year
€90k
Income taxes
€7k▼
2024 · €14k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€371k€641k▲
Fixed assets21/28€34k€67k▲
Intangible fixed assets21€4k€3k▼
Tangible fixed assets22/27€15k€63k▲
Plant, machinery and equipment23€797€323▼
Furniture and vehicles24€14k€20k▲
Assets under construction and advance payments27-€42k
Financial fixed assets28€15k€1k▼
Current assets29/58€337k€574k▲
Amounts receivable after more than one year29€51k€83k▲
Other amounts receivable291€51k€83k▲
Stocks and contracts in progress3€55k€299k▲
Stocks30/36€55k€213k▲
Contracts in progress37-€85k
Amounts receivable within one year40/41€165k€170k▲
Trade receivables40€84k€126k▲
Other amounts receivable41€81k€44k▼
Cash at bank and in hand54/58€52k€7k▼
Deferred charges and accrued income490/1€14k€15k▲
Equity and liabilities
Total equity and liabilities10/49€371k€641k▲
Equity10/15€83k€112k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€79k€108k▲
Amounts payable17/49€288k€529k▲
Amounts payable after more than one year17-€90k
Financial debts170/4-€90k
Amounts payable within one year42/48€288k€436k▲
Current portion of amounts payable after more than one year42€8k-
Trade debts44€241k€384k▲
Suppliers440/4€241k€384k▲
Taxes, remuneration and social security45€8k€13k▲
Taxes450/3€8k€13k▲
Remuneration and social security454/9€25€220▲
Other amounts payable47/48€31k€38k▲
Accrued charges and deferred income492/3-€3k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€9k▲
Other operating charges640/8€3k€8k▲
Gross operating margin9900€64k€50k▼
Operating profit (loss)9901€53k€32k▼
Financial income75/76B€45€15k▲
Recurring financial income75€45€661▲
Non-recurring financial income76B-€15k
Financial charges65/66B€3k€11k▲
Recurring financial charges65€3k€11k▲
Profit (loss) for the period before taxes9903€49k€36k▼
Income taxes67/77€14k€7k▼
Profit (loss) for the period9904€36k€29k▼
Profit (loss) for the period to be appropriated9905€36k€29k▼
Appropriation of the result
Profit (loss) to be appropriated9906€79k€108k▲
Profit (loss) brought forward from the previous period14P€43k€79k▲
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €29k ▼17.7%
Net result drops to €29k, the lowest in the series.
31-12
Financial
Equity above €100kEq €112k ▲35.2%
3 profitable years in a row build equity to €112k.
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
16-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Ham-sur-Heure-Nalinnes · 1 establishment unit since 2023
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
La Ganterie(HSH) 206120 Ham-sur-Heure-NalinnesGround area
849 m²
Building footprint
114 m²
Volume, LiDAR
579 m³
Parcel 56034A0174/00T002, Wallonia · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Cômâva
since 20232.344.876.416
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56034A0174/00T002 | Wallonia | 849 m² | 1 · 114 m² | 7.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
GRONDWERKEN LECOINTERE
BE 0711.840.735
Lichtervelde · Eq €112k
F.H. SERVICES GENERAUX
BE 0879.774.162
Nivelles · Eq €112k
VAHACON
BE 0760.400.519
Dendermonde · Eq €112k
PRO BUILDING TECHNICS
BE 0778.300.185
Merelbeke-Melle · Eq €112k
Jonckheere Dries
BE 0544.371.819
Oudenburg · Eq €112k
Of 8,456 companies in sector 43120 we hold annual accounts for 3,233. 2,647 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-05-2023
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43120Site preparation
46190Agents in non-specialised wholesale trade
52249Warehousing and support activities for transportation
68310Real estate agency activities
68311Real estate activities
71112Activities of interior architects
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.