COMES CONSULT
ActiveThe computed 12-month bankruptcy probability of COMES CONSULT is 2.3% (moderate). The 2025 annual accounts show equity of €163k and a net result of €26k. Equity is growing by ~24.5% per year across the filed fiscal years. The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▲+1
Solvency54▲+6
Growth78=
Track record94
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity short (current ratio 0.72 against 0.66 in 2024; short-term debt: 6.9% and cash: 5% of total assets), and 71.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
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
28.5%
Return on assets
4.6%
Age of the figures
9 mo
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 07-04-2026, 115 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
115 d early
2024
20 d early
2023
5 d early
2022
3 d early
2021
2 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€163k▲ 19.4%
2024 · €136k
2021: €56k
2022: €82k
2023: €109k
2024: €136k
2021 → 2025
Total assets
€570k▼ 2.4%
2024 · €584k
2021: €607k
2022: €598k
2023: €594k
2024: €584k
2021 → 2025
Net result
€26k▼ 1.5%
2024 · €27k
2021: €-34k
2022: €27k
2023: €27k
2024: €27k
2021 → 2025
Working capital
€-11k▲ 24.5%
2024 · €-14k
2021: €-28k
2022: €-23k
2023: €-19k
2024: €-14k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€56k-€82k▲ 48.3%€109k▲ 32.7%€136k▲ 24.5%€163k▲ 19.4%
Operating result€-26k-€32k€36k▲ 14.7%€38k▲ 4.0%€39k▲ 4.6%
Net result€-34k-€27k€27k▲ 0.4%€27k▼ 0.4%€26k▼ 1.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 5% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €570k
Fixed assets
€542k▼ 2.5%
Current assets
€28k▲ 1.0%
Equity and liabilities €570k
Equity
€163k▲ 19.4%
Debt
€407k▼ 9.0%
The debt ratio falls from 76.7% to 71.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€54k▲
2024 · €52k
Cash flow
€41k▼
2024 · €41k
Solvency
28.5%▲
2024 · 23.3%
Current ratio
0.72▲
2024 · 0.66
Quick ratio
0.72▲
2024 · 0.66
Debt / equity
2.51▼
2024 · 3.29
ROE
16.3%▼
2024 · 19.7%
ROA
4.6%▲
2024 · 4.6%
Interest coverage
13.86▲
2024 · 12.42
Debt
€407k▼
2024 · €448k
Debt ≤ 1 year
€39k▼
2024 · €42k
Debt > 1 year
€368k▼
2024 · €405k
Income taxes
€9k▲
2024 · €7k
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€584k€570k▼
Fixed assets21/28€556k€542k▼
Tangible fixed assets22/27€556k€542k▼
Land and buildings22€556k€542k▼
Current assets29/58€28k€28k▲
Cash at bank and in hand54/58€28k€28k▲
Equity and liabilities
Total equity and liabilities10/49€584k€570k▼
Equity10/15€136k€163k▲
Contributions10/11€90k€90k=
Reserves13€46k€73k▲
Distributable reserves133€46k€73k▲
Amounts payable17/49€448k€407k▼
Amounts payable after more than one year17€405k€368k▼
Financial debts170/4€405k€368k▼
Amounts payable within one year42/48€42k€39k▼
Current portion of amounts payable after more than one year42€37k€37k▲
Trade debts44€266€1k▲
Suppliers440/4€266€1k▲
Taxes, remuneration and social security45€6k€1k▼
Taxes450/3€6k€1k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€14k=
Other operating charges640/8€5k€5k▲
Gross operating margin9900€57k€59k▲
Operating profit (loss)9901€38k€39k▲
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€34k€36k▲
Income taxes67/77€7k€9k▲
Profit (loss) for the period9904€27k€26k▼
Profit (loss) for the period to be appropriated9905€27k€26k▼
Appropriation of the result
Profit (loss) to be appropriated9906€27k€26k▼
Transfer to equity691/2€27k€26k▼
To other reserves6921€27k€26k▼
The notes to these accounts (5 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
07-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €150kEq €163k ▲19.4%
4 profitable years in a row build equity to €163k.
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2021net €27k ▲0.4%
Net result €27k, the highest in the series.
31-12
Financial
Equity above €100kEq €109k ▲32.7%
2 profitable years in a row build equity to €109k.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €27k
Net result €27k after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are 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, Diest · 1 establishment unit since 2021
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.
Bredastraat 253290 DiestGround area
752 m²
Building footprint
140 m²
Parcel 24120E0134/00D009, Flanders. Linked by address, not a title deed.
1 establishment unit
COMES CONSULT
since 20212.325.845.709
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24120E0134/00D009 | Flanders | 752 m² | 1 · 140 m² | - |
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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-06-2021
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:dirk.buntinx@yahoo.com