COMFER
ActiveCOMFER has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €159k and a net result of €-12k. Equity is growing by ~8% per year across the filed fiscal years. Its solvency ranks better than 60% of 12642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability13▼-63
Solvency91=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 2.85 against 2.84 in 2024; short-term debt: 33.7% and cash: 8.4% of total assets), and 33.7% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
20 d late
2024
61 d late
2023
31 d early
2022
36 d late
2021
34 d early
2020
34 d early
2019
31 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
€159k▼ 7.0%
2024 · €171k
2018: €100k
2019: €115k
2020: €124k
2021: €132k
2022: €140k
2023: €156k
2024: €171k
2018 → 2025
Total assets
€239k▼ 6.9%
2024 · €257k
2018: €158k
2019: €165k
2020: €183k
2021: €194k
2022: €222k
2023: €237k
2024: €257k
2018 → 2025
Net result
€-12k
2024 · €15k
2018: €23k
2019: €15k
2020: €9k
2021: €8k
2022: €8k
2023: €16k
2024: €15k
2018 → 2025
Working capital
€150k▼ 4.2%
2024 · €156k
2018: €99k
2019: €112k
2020: €120k
2021: €130k
2022: €117k
2023: €137k
2024: €156k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€132k-€140k▲ 6.2%€156k▲ 11.3%€171k▲ 9.5%€159k▼ 7.0%
Operating result€16k-€14k▼ 12.9%€23k▲ 59.2%€21k▼ 8.2%€-11k
Net result€8k-€8k▼ 1.2%€16k▲ 93.3%€15k▼ 5.9%€-12k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €11k after €21k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €239k
Fixed assets
€9k▼ 42.9%
Current assets
€230k▼ 4.5%
Equity and liabilities €239k
Equity
€159k▼ 7.0%
Debt
€81k▼ 6.6%
The debt ratio rises from 33.6% to 33.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-2k▼
2024 · €29k
Cash flow
€-4k▼
2024 · €23k
Solvency
66.3%▼
2024 · 66.4%
Current ratio
2.85▲
2024 · 2.84
Quick ratio
2.85▲
2024 · 2.84
Debt / equity
0.51▲
2024 · 0.51
ROE
-7.5%▼
2024 · 8.7%
ROA
-5.0%▼
2024 · 5.8%
Interest coverage
-2.03▼
2024 · 27.55
Debt
€81k▼
2024 · €86k
Debt ≤ 1 year
€81k▼
2024 · €85k
Income taxes
€387▼
2024 · €5k
Staff costs
€82k▲
2024 · €79k
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€257k€239k▼
Fixed assets21/28€16k€9k▼
Tangible fixed assets22/27€16k€9k▼
Plant, machinery and equipment23€10k€7k▼
Furniture and vehicles24€5k€2k▼
Financial fixed assets28€300€300=
Current assets29/58€241k€230k▼
Amounts receivable within one year40/41€227k€203k▼
Trade receivables40€220k€190k▼
Other amounts receivable41€7k€13k▲
Cash at bank and in hand54/58€9k€20k▲
Deferred charges and accrued income490/1€5k€7k▲
Equity and liabilities
Total equity and liabilities10/49€257k€239k▼
Equity10/15€171k€159k▼
Contributions10/11€19k€19k=
Reserves13€73k€73k=
Distributable reserves133€73k€73k=
Profit (loss) carried forward14€79k€68k▼
Amounts payable17/49€86k€81k▼
Amounts payable after more than one year17€1k-
Financial debts170/4€1k-
Amounts payable within one year42/48€85k€81k▼
Current portion of amounts payable after more than one year42€5k€4k▼
Trade debts44€9k€11k▲
Suppliers440/4€9k€11k▲
Taxes, remuneration and social security45€39k€34k▼
Taxes450/3€20k€15k▼
Remuneration and social security454/9€19k€19k▼
Other amounts payable47/48€32k€32k▲
Income statement
Code20242025
Remuneration, social security and pensions62€79k€82k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€16k
Other operating charges640/8€976€13k▲
Gross operating margin9900€109k€108k▼
Operating profit (loss)9901€21k€-11k▼
Financial income75/76B€23€111▲
Recurring financial income75€23€111▲
Financial charges65/66B€1k€1k▲
Recurring financial charges65€1k€1k▲
Profit (loss) for the period before taxes9903€20k€-12k▼
Income taxes67/77€5k€387▼
Profit (loss) for the period9904€15k€-12k▼
Profit (loss) for the period to be appropriated9905€15k€-12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€79k€68k▼
Profit (loss) brought forward from the previous period14P€65k€79k▲
The notes to these accounts (8 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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
31-12
Financial
Weakest financial yearnet €-12k ▼181%
Net result drops to €-12k, the lowest in the series.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
30-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150kEq €156k ▲11.3%
6 profitable years in a row build equity to €156k.
05-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 36 days late
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €100kEq €115k ▲15.3%
2 profitable years in a row build equity to €115k.
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Mons · 1 establishment unit since 2005
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.
Avenue de Jemappes 68 A7000 MonsGround area
200 m²
Building footprint
45 m²
Volume, LiDAR
403 m³
Parcel 53053D0006/00V003, Wallonia · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
COMFER
since 20052.159.345.605
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53053D0006/00V003 | Wallonia | 200 m² | 1 · 45 m² | 10.1 m · 3 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.
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C.I.T. FISCALITE & CONSEIL
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EVERIX
BE 0466.353.531
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Of 12,173 companies in sector 69201 we hold annual accounts for 7,637. 6,518 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-01-2005
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
74121
Sources
Crossroads Bank for EnterprisesNational Bank · 21 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.