Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of COMERGO SERVICES is 0.8% (low). The 2025 annual accounts show equity of €621k and a net result of €242k. Equity is growing by ~41.9% per year across the filed fiscal years. Its solvency ranks better than 40% of 41 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 7 annual accounts.
Signals
2 signals · with evidenceConsistently profitable
Positive net result in the two most recent financial years (2024 and 2025).
View the result trend Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
View the equity 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-wideLatest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
How we compute the deadline
The year end is derived from 8 filed financial years, each closing on 30-06. 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 30-06-2025, that is 31-01-2026.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 30-06-2025 | 31-01-2026 | 29-01-2026 | 2 d early | 2026-00026259 |
| 30-06-2024 | 31-01-2025 | 22-01-2025 | 9 d early | 2025-00013657 |
| 30-06-2023 | 31-01-2024 | 28-12-2023 | 34 d early | 2024-00541174 |
| 30-06-2022 | 31-01-2023 | 28-12-2022 | 34 d early | 2022-20549251 |
| 30-06-2021 | 31-01-2022 | 22-12-2021 | 40 d early | 2021-81200250 |
| 30-06-2020 | 31-01-2021 | 29-01-2021 | 2 d early | 2021-02900213 |
| 30-06-2019 | 31-01-2020 | 17-12-2019 | 45 d early | 2019-77000059 |
| 30-06-2018 | 31-01-2019 | 07-01-2019 | 24 d early | 2019-00800154 |
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 2017, 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 everyone0.8%
Low
0%0,5%1,5%4%10%≥25%
Higher-failure-rate sector
+Annual accounts: healthy financial profile
−Young company
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€242k+253.3%
Working capital€805k+257.6%
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 29-01-2026 with the NBB · fiscal year 2025 · verkort
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~41.9%/year over 7 fiscal years, indicative, 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 2025 · NACE 33 · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 26.5% | 30.7% | |
| Net result | €242k | €54k | |
| Equity | €621k | €255k | |
| Gross operating margin | €725k | €302k | |
| Total assets | €2.34M | €1.02M |
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).
P40
Weakening position over 2021-2025
· n=38-89
P92
Weakening position over 2021-2025
· n=37-89
P85
Improving position over 2021-2025
· n=38-89
P87
Improving position over 2021-2025
· n=38-89
Describes the position versus peers, not a forecast.
€465k
+127.5%
19-25
€242k
+253.3%
19-25
€318k
+126.9%
19-25
€2.34M
+40.6%
19-25
€621k
+63.8%
19-25
€805k
+257.6%
19-25
0
-100.0%
19-25
€0
-100.0%
19-25
Show 12 other metrics
€110k
+322.6%
19-25
€0
-100.0%
19-25
€1.46M
+13.9%
19-25
€638k
+31.9%
19-25
€737k
-8.0%
19-25
2.26
+54.3%
19-25
2.26
+54.3%
19-25
26.5%
+16.5%
19-25
2.36
-30.4%
19-25
38.9%
+115.7%
19-25
10.3%
+151.3%
19-25
12.56
+135.0%
19-25
Figures by fiscal year
| Fiscal year | 2025 |
|---|---|
| Deposit | verkort |
| Revenue | - |
| EBITDA | €465k |
| Net profit | €242k |
| Cash flow | €318k |
| Staff costs | - |
| Income taxes | €110k |
| Dividends | €0 |
| Total assets | €2.34M |
| Equity | €621k |
| Debt | €1.46M |
| of which ≤ 1y | €638k |
| of which > 1y | €737k |
| Working capital | €805k |
| Employees (FTE) | - |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 2.26 |
| Quick ratio | 2.26 |
| Working capital ratio | 34.4% |
| Solvency | 26.5% |
| Debt / equity | 2.36 |
| Long-term debt ratio | 1.19 |
| Interest coverage | 12.56 |
| Gross margin | - |
| Net margin | - |
| ROA | 10.3% |
| ROE | 38.9% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2025
Full annual accounts (26 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €2.34M |
| Fixed assets | 21/28 | €898k |
| Intangible fixed assets | 21 | €1 |
| Tangible fixed assets | 22/27 | €898k |
| Financial fixed assets | 28 | €30 |
| Current assets | 29/58 | €1.44M |
| Amounts receivable within one year | 40/41 | €931k |
| Cash & bank | 54/58 | €513k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €2.34M |
| Equity | 10/15 | €621k |
| Contributions / capital | 10/11 | €12k |
| Reserves | 13 | €602k |
| Accumulated profits (losses) | 14 | €6k |
| Provisions & deferred taxes | 16 | €255k |
| Amounts payable | 17/49 | €1.46M |
| Amounts payable after one year | 17 | €737k |
| Amounts payable within one year | 42/48 | €638k |
| Trade debts payable within one year | 44 | €549k |
| Income statement | ||
| Gross operating margin | 9900 | €725k |
| Operating result | 9901 | €389k |
| Financial income | 75 | €23 |
| Financial charges | 65 | €37k |
| Result before taxes | 9903 | €352k |
| Income taxes | 67/77 | €110k |
| Net result for the period | 9904 | €242k |
| Result to be appropriated | 9905 | €242k |
This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2025 · computed91
/ 100
Excellent
Computed from 5 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 2025. Indicative, not credit advice.
Directors
Directors & mandates
1 director4 of this company's 4 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
-
Current20-07-2020 → present
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 | Reparatie en onderhoud van andere civiele transportmiddelen(33170) |
| Legal form | Private limited company(610) |
| Incorporation | 28-12-2017 |
| Status | Active |
| Postal code | 9900 |
Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationCOMERGO SERVICES
since 20172.273.504.113
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area7,820 m²
Buildings2
Building footprint3,807 m²
Volume (LiDAR)24,288 m³
Tallest building8.5 m · ±2 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
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43005A0433/00W000 | Flanders | 6,839 m² | 1 · 3,558 m² | 8.5 m · 2 fl. |
| 43005A0446/00H002 | Flanders | 981 m² | 1 · 250 m² | 8.1 m · 2 fl. |
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 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
4 acts Capital history · 1
09-06-2026
Capital conversion
Address history · 1
05-02-2020
v3.2
All acts · 4
updated 2 months ago
2026
09-06-2026 Notarial deed · Legal form conversion · Capital conversion · Reserve release
- Filing: 2026-06-05 · COMERGO SERVICES
- Publication: 2026-06-09 · COMERGO SERVICES
- Notarial deed: 2026-06-01 · COMERGO SERVICES
- Legal form conversion: Besloten vennootschap met beperkte aansprakelijkheid · COMERGO SERVICES
- Capital conversion · COMERGO SERVICES
- Reserve release: amount: 14260, currency: EUR · COMERGO SERVICES
- Statute amendment: volledig nieuwe statuten · COMERGO SERVICES
- Officer resignation · Jan Comergo
- Officer resignation · Stephanie De Smet
- Officer appointment: role: niet-statutair bestuurder, duration: onbepaalde duur · Jan Comergo
- Officer appointment: role: niet-statutair bestuurder, duration: onbepaalde duur · Stephanie De Smet
- Annual meeting schedule: de eerste vrijdag van de maand december, om 18 uur · COMERGO SERVICES
- First fiscal year: 1 juli - 30 juni · COMERGO SERVICES
- Act object: WIJZIGING RECHTSVORM, ONTSLAGEN, BENOEMINGEN
Summary:
Notarial deed · Legal form conversion · Capital conversion · Reserve releaseNotary:
Bart DE JAEGER
2020
13-10-2020 Stephanie De Smet appointed as director
05-02-2020 Registered office moved within Eeklo
- Klinkaartstraat 15, 9900 Eeklo → Sint-Laureinsesteenweg 2K, 9900 Eeklo
Summary:
v3.2
2018
02-01-2018 Incorporation of a new BV
Summary:
oprichting
Analysis
Financial profile
5 of 5 axes measured87
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
91
Profitability
100
Solvency
67
Growth
78
Stability
100
Credit advice
verdict per customer and amountSimilar
Similar companies
Comparable size, same sectorBE 0899.194.453 · Brugge
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BE 0789.608.704 · Putte
BE 0773.361.006 · Antwerpen
BE 0694.785.957 · Wommelgem
We hold annual accounts for 14 of the 135 companies in this sector. 5 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Reparatie en onderhoud van andere transportmiddelen33170Reparatie en onderhoud van andere civiele transportmiddelen33170Reparatie van machines33120Reparatie en onderhoud van machines33120
Primary activity highlighted.
Names & trade names
| Legal nameNL | COMERGO SERVICES |
Registered office
Sint-Laureinsesteenweg 2K
9900 Eeklo, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.