Equity
€96,082 ▲ 113%
Equity rose in 2025 from €45,182 to €96,082.
Combits
Overview
Lifetime
2 annual accounts with figures on one time axispeak €70,707 (2025)
€70,707▲ 23.3%
peak €50,899 (2025)
€50,899▲ 17.9%
peak €96,082 (2025)
€96,082▲ 113%
€36,102▲ 50.1%
Board1 name since 2024
1 directorDE BLOCK Tim Ferdinand Emilia
Documentsfilings and deeds
02-07-202629 days before the deadline
2025micro format
Gross margin from €57,328 to €70,707Equity from €45,182 to €96,082Debts from €24,054 to €36,102Cash from €44,905 to €99,498
Key points
from the 2025 annual accountsChecked score
97
Excellent
Financially stronger than 79% of micro companies in computer programming and consultancy (NACE 62)
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: 0.1% across 25,932 companies (NACE 62, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
02-2025: 0.4%
03-2025: 0.4%● unchanged vs 02-2025
04-2025: 0.4%● unchanged vs 03-2025
05-2025: 0.4%● unchanged vs 04-2025
06-2025: 0.4%● unchanged vs 05-2025
07-2025: 0.4%● unchanged vs 06-2025highest value
08-2025: < 0.1%▼ -0.4 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%● unchanged vs 12-2025lowest value
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Founded in 2024
lowers risk
Liquidity: current ratio 3.47, cash €99,498
Sector: Computer programming, consultancy and related activities (NACE 62)
Size: total assets €132,183
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 62, micro). It does better than 66% of them on solvency, 75% on liquidity, 82% on profitability and 91% 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, 39,278 companies had the same profile as Combits has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Combits itself is lower: < 0.1% within 12 months. It rests on far more data about Combits than the profile alone.
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 39,278 companies, not a prediction for Combits. 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 €9,000 on 30-day terms, only on tighter conditions: young company (under 3 years) without a track record
Liquidity is ample, with a current ratio of 3.47 (2.62 in 2024), above the usual 1.5. Short-term debt is 27.3% and cash 75.3% of total assets. 27.3% 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
Five signals.
lowers riskraises riskneutral
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 02-07-2026, 29 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
29 days early
2024
30 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 30 days before the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% 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.
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- DE BLOCK Tim Ferdinand Emilia 160 sharesdeed of 24-01-2024
- DE MUNCK Peggy 40 sharesdeed of 24-01-2024
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1004974042
Incorporation
Founding capital of €2,000 · Founders: DE BLOCK Tim Ferdinand Emilia and DE MUNCK Peggy · Appointment: DE BLOCK Tim Ferdinand Emilia (director) · published on 24-01-2024 · Gazette deed
First establishment
Jan Bekenshoek 57, Beveren-Kruibeke-Zwijndrecht
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Combits Beveren-Kruibeke-Zwijndrecht | €132,183 | €70,707 | 72.7% | - |
| Celanti Dendermonde | €126,517 | €67,690 | 61.8% | - |
| RaptorNest Nexus Solutions Buggenhout | €140,796 | €70,987 | 52.3% | - |
| CYBERBOLT Haaltert | €134,253 | €75,459 | 73.5% | - |
| FHE P3MP-O Lochristi | €136,237 | €71,520 | 75.6% | - |
| Operoso Lokeren | €144,786 | €71,360 | 61.0% | - |
| JVP-Consultancy Laarne | €126,956 | €74,226 | 81.3% | - |
These companies have the same main activity as Combits: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €127,000 and €145,000, founded between 2023 and 2024.
Official details
Source: KBO- Status
- Active since 19-01-2024Normal situation
- Activity
- Computer consultancy and computer facilities managementNACE 62200
- Establishment unit
- 2.354.651.9379120 Beveren-Kruibeke-Zwijndrecht, since 19-01-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 04-11-2025
Annual accounts 2025
- €70,707▲ 23.3%
- €50,899▲ 17.9%
- €96,082▲ 113%
- €132,183▲ 90.9%
- Filing
- Filed on 02-07-2026, 29 days before the end of the filing period
Insights on Combits
Combits has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €96,082 and a net result of €50,899.
Its solvency ranks better than 65% of 21,206 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 02-07-2026, 29 days before the deadline€70,707
▲ 23.3%
€66,999
▲ 18.9%
€50,899
▲ 17.9%
€89,086
▲ 128%
72.7%
▲ 7.4 percentage points
3.47
▲ 0.85
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €140,000. Estimated: probably between €120,000 and €180,000.
Balance sheet
balance sheet total €132,183 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
72.7%
Higher than 65% of 21,206 companies in 2025.
3.47
Higher than 63% of 20,569 companies in 2025.
38.5%
Higher than 77% of 20,744 companies in 2025.
Combits
Middle half of the sector
80% of the sector
Micro accounts in computer programming and consultancy (NACE 62)
Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
132,183 | 69,236 | |
21/28 |
6,995 | 6,154 | |
22/27 |
6,795 | 5,954 | |
23 |
6,795 | 5,954 | |
28 |
200 | 200 | |
29/58 |
125,188 | 63,082 | |
40/41 |
18,634 | 16,335 | |
40 |
18,634 | 16,335 | |
50/53 |
4,646 | - | |
54/58 |
99,498 | 44,905 | |
490/1 |
2,409 | 1,842 | |
| Balance sheet: equity and liabilities | |||
10/49 |
132,183 | 69,236 | |
10/15 |
96,082 | 45,182 | |
10/11 |
2,000 | 2,000 | |
13 |
94,082 | 43,182 | |
133 |
94,082 | 43,182 | |
17/49 |
36,102 | 24,054 | |
42/48 |
36,102 | 24,054 | |
44 |
14,831 | 5,472 | |
440/4 |
14,831 | 5,472 | |
45 |
21,271 | 18,581 | |
450/3 |
21,271 | 18,581 | |
| Income statement | |||
9900 |
70,707 | 57,328 | |
630 |
2,369 | 520 | |
640/8 |
1,340 | 450 | |
9901 |
66,999 | 56,357 | |
75/76B |
92 | - | |
75 |
92 | - | |
65/66B |
2,431 | 1,846 | |
65 |
2,431 | 1,846 | |
9903 |
64,659 | 54,512 | |
67/77 |
13,760 | 11,329 | |
9904 |
50,899 | 43,182 | |
9905 |
50,899 | 43,182 | |
| Appropriation of the result | |||
9906 |
50,899 | 43,182 | |
691/2 |
50,899 | 43,182 | |
6921 |
50,899 | 43,182 | |
| Document | |||
The notes to these accounts have 6 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 02-07-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| 69,367 | 56,877 | ||
| 53,268 | 43,703 | ||
| 3,210 | 6,674 | ||
| 54,594 | - | ||
| 89,086 | 39,028 | ||
| 72.7% | 65.3% | ||
| 3.47 | 2.62 | ||
| 0.38 | 0.53 | ||
| 53.0% | 95.6% | ||
| 38.5% | 62.4% | ||
| 28.53 | 30.82 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 | 2024 |
|---|---|---|
| Tangible fixed assets | €3,210 | €6,474 |
| Financial fixed assets | - | €200 |
| €2,369 | €520 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Insights on Combits
The operating result for 2025 is 19% higher than in 2024.
Debt's share of the balance-sheet total falls from 34.7% to 27.3%. Equity and debt are higher.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
since 19-01-2024
term without a fixed end
listed in the 2025 annual accounts, filed on 02-07-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “ze openbaar gemaakt en hebben enkel een interne werking in de vennootschap. Hetzelfde geldt voor een onderlinge taakverdeling onder de…”deed of 24-01-2024
Mandates through the years
1 name, the dashed line is todayDE BLOCK Tim Ferdinand Emilia
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- DE BLOCK Tim Ferdinand Emilia
- Director (not named in the articles), from 19-01-2024 to date
Control
Founders
DE BLOCK Tim Ferdinand Emilia, DE MUNCK Peggy
This company
Combits
Equity €96,082
Profit €50,899 in 2025
Capital
- Contribution
- €2,000
- Source
- deed of 24-01-2024
Articles of association
deed of 24-01-2024 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Monday of June at 14:00
Shareholders
At incorporation
deed of 24-01-2024 ↗
- DE BLOCK Tim Ferdinand Emilia 160 shares · €1,600
- DE MUNCK Peggy 40 shares · €400
Network & group
No group
Combits has no parent and no holdings in its annual accounts. DE BLOCK Tim Ferdinand Emilia is the only director. Combits shares no director with another company.
Timeline
Timeline
5 events since 2024Filings
Establishments
202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 29 days before the deadline
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1004974042
Annual accounts 2024 filed PDFmicro format · 30 days before the deadline
2024
IncorporationFounding capital of €2,000 · Founders: DE BLOCK Tim Ferdinand Emilia and DE MUNCK Peggy · Appointment: DE BLOCK Tim Ferdinand Emilia (director) · published on 24-01-20244 points ▸
- Founder, DE BLOCK Tim Ferdinand Emilia
- Founder, DE MUNCK Peggy
- Director appointment, DE BLOCK Tim Ferdinand Emilia (director (not named in the articles))
- Founding capital, €2,000
- The deed holds 5 more points.
First establishment Jan Bekenshoek 57, Beveren-Kruibeke-Zwijndrecht
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
Combits was incorporated on 19 January 2024 as a private limited company by two natural persons, with a starting capital of €2,000.12 Since 2024, DE BLOCK Tim Ferdinand Emilia has served as director.3 The company has filed 2 sets of annual accounts, the latest for financial year 2025.3
Company details
Identity
- Enterprise number
- 1004.974.042
- VAT number
- BE 1004.974.042
- Peppol ID
- 0208:1004974042
- Other Peppol ID
- 9925:BE1004974042
- LEI code
- 6994001CFE1NH6H9TB32 no longer live in the LEI register
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 19-01-2024
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Monday of June at 14:00deed of 24-01-2024 (in Dutch)
- Peppol
- Reachable since 04-11-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- Combits in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 24-01-2024 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Jan Bekenshoek 57, 9120 Beveren (Melsele)”deed of 24-01-2024 (in Dutch)
Activities
NACEBEL 202562200
Computer consultancy and computer facilities management main activity
Codes under NACEBEL 2008
62020
IT consultancy main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Het aankopen,ontwikkelen of produceren en verkopen van softwareproducten en computermateriaal; Consultancydiensten op het vlak van soft –en…”deed of 24-01-2024 (in Dutch)
13 activities
- Het aankopen,ontwikkelen of produceren en verkopen van softwareproducten en computermateriaal;
- Consultancydiensten op het vlak van soft –en hardware ontwikkeling;
- Het ontwikkelen van websites;
- Assistentie en begeleiding bij studies;
- Het samenstellen of herstellen van computers;
- Zowel in België als in het buitenland,onder eender welke vorm,participaties te verwerven en aan te houden,onder meer door deel te nemen aan het bestuur van de ondernemingen waarin zij participeert te stimuleren,te plannen en te coördineren;
- Het deelnemen in of de directie voeren over andere vennootschappen en ondernemingen;het management en het bestuur van om het even welke ondernemingen;het optreden als vereffenaar;
- Het verlenen van technische of commerciële bijstand aan alle Belgische en buitenlandse ondernemingen;het verlenen van financiële bijstand.Het optreden als tussenpersoon voor het samenstellen en aanvragen van kredietdossiers bij banken en financiële instellingen.De vennootschap mag alle industriële,commerciële en financiële,roerende en onroerende verrichtingen doen,die kunnen bijdragen tot het verwezenlijken of het vergemakkelijken van het voorwerp,met inbegrip van:het deelnemen in alle ondernemingen die een gelijkaardig voorwerp nastreven of waarvan het voorwerp in nauw verband met het hare staat,kredieten en leningen aangaan en toestaan,zich voor dergelijke borg te stellen door haar goederen in hypotheek of pand te geven,inclusief de eigen handelszaak;
- Het verwerven en huren met het oog op het verhuren en onderverhuren van onroerende goederen en roerende installaties;
- Een patrimonium bestaande uit roerende en onroerende goederen aan te werven,te behouden,te beheren en oordeelkundig uit te breiden;
- Het verlenen van diensten en adviezen aan personen en bedrijven,in het algemeen met betrekking tot bedrijfsbeheer,bedrijfscommunicatie,bedrijfseconomische en bedrijfstechnische aangelegenheden,marketing en alles wat daarmee rechtstreeks en onrechtstreeks verband houdt;
- Het voeren van een agentuur ten behoeve van één of meerdere bedrijven en dit zowel in België als in het buitenland.Het afsluiten van agentuurovereenkomsten met één of meerdere bedrijven en dit zowel in België als in het buitenland;
- Het waarnemen van een aantal functies in ondernemingen,zoals het innen van schuldvorderingen,het verstrekken van informatie,het uitoefenen van bepaalde technische of andere commerciële taken.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Jan Bekenshoek 57 registered office 9120 Beveren-Kruibeke-Zwijndrecht | 19-01-2024 | 2.354.651.937 |
Buildings and parcels at the address
- Ground area
- 360 m²
- Buildings
- 117 m²
- Volume, LiDAR
- 626 m³
- Tallest building
- 8.2 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 46016D0029/00B002 | 360 m² | 1 · 117 m² | 8.2 m · 2 |