COMFIMMO
ActiveSummary
COMFIMMO has been active since 1977 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€2,365) and a net result of -€6,814. Equity has been shrinking by about 39% per year since 2019. Its solvency ranks better than 13% of 12,775 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 17-01-1977 Normal situation
- Activity
- Retail trade NACE 47712and 7 others
- Joint committee
- 323 Paritair Comité voor het beheer van gebouwen, de vastgoedmakelaars en de dienstboden · annual accounts 2023
- Establishment unit
- 2.013.732.371 2100 Antwerpen, since 14-03-2000
- Financial year end
- 31 December
- Peppol
- Reachable since 04-04-2025
Board and ownership
- GROEP LEYS100%· score 852025 annual accounts of GROEP LEYS
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.6%
- Gross margin
- €60,425
- ▼ 20.0%
- Turnover
- ≈ €300,000
- estimated
- Loss
- €6,814
- Equity
- -€2,365
- Total assets
- €180,351
- ▼ 4.0%
- Employees on 31-12-2025
- 1
- =
- Negative equity on 31-12-2025
Score breakdownraises riskCapped at 59: negative equityNegative equity -€2,365Sector: Retail trade (NACE 47)Loss of €6,814 (financial year 2025)lowers riskSize: total assets €180,351Show the evidence
Checked score
About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
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 47, micro). It does better than 18% of them on solvency, 14% on liquidity, 45% on profitability and 4% on growth.
The bankruptcy probability was computed on 02-11-2026 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.
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).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 7 accounts on average 1 day after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, abbreviated format
Annual accounts 2025 filed on 10-07-2026 at the NBB all 48 filings
2021 to 2025, 5 financial years 2019 to 2025, 7 financial years
The operating result for 2025 is a loss of €9,734, after a profit of €12,230 in 2024.
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Average staff per financial year, in full-time equivalents (FTE).
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Retail trade (NACE 47). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio, return on assets (ROA) and staff (FTE).
Staff
| Item | 31-12-2021 | 31-12-2022 | 31-12-2023 | 31-12-2024 | 31-12-2025 |
|---|---|---|---|---|---|
| Employees at the balance-sheet date | 1 | 1 | 1 | 1 | 1 |
| full-time | 1 | 1 | 1 | 1 | 1 |
| part-time | 0 | 0 | 0 | 0 | 0 |
| in full-time equivalents | 1 | 1 | 1 | 1 | 1 |
| Average over the year, in full-time equivalents | 1 | 1 | 0.5 | 1 | 1.1 |
| On a permanent contract | 1 | 1 | 1 | 1 | 1 |
| Joined | - | - | 1 | 0 | 9 |
| Left | - | - | 1 | 0 | 0 |
| Training hours | - | - | - | 0 | - |
Source: social balance sheet in the 2021 to 2025 annual accounts
Investments
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Tangible fixed assets | €57,302 | - | - | - | €43,471 |
| Intangible fixed assets | €0 | - | - | - | - |
| Financial fixed assets | €0 | - | - | - | €0 |
| Depreciation and write-downs of the year | €31,522 | €15,102 | €11,838 | €11,083 | €14,884 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €378 | €165 | €59 | €40 | €75 | ▲ 88.3% |
| Remuneration, social security and pensions62 | - | - | €82,771 | €58,986 | €28,959 | €50,517 | €54,279 | ▲ 7.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €22,271 | €22,350 | €31,522 | €15,102 | €11,838 | €11,083 | €14,884 | ▲ 34.3% |
| Other operating charges640/8 | - | - | €4,182 | €1,715 | €988 | €1,091 | €997 | ▼ 8.6% |
| Non-recurring operating charges66A | - | - | €1,598 | €399 | €0 | €581 | €0 | ▼ 100% |
| Gross operating margin9900 | €77,186 | €77,018 | €103,287 | €32,421 | -€15,108 | €75,503 | €60,425 | ▼ 20.0% |
| Operating profit (loss)9901 | €4,682 | €9,896 | -€16,786 | -€43,781 | -€56,894 | €12,230 | -€9,734 | - |
| Financial income75/76B | - | - | €9,163 | €11,070 | €5,957 | €6,617 | €3,942 | ▼ 40.4% |
| Recurring financial income75 | €4,911 | €4,768 | €9,163 | €11,070 | €5,957 | €6,617 | €3,942 | ▼ 40.4% |
| Financial charges65/66B | - | - | €3,662 | €4,027 | €6,347 | €10,851 | €481 | ▼ 95.6% |
| Recurring financial charges65 | €6,822 | €6,400 | €3,662 | €4,027 | €6,347 | €10,851 | €481 | ▼ 95.6% |
| Profit (loss) for the period before taxes9903 | €2,771 | €8,265 | -€11,286 | -€36,738 | -€57,283 | €7,996 | -€6,273 | - |
| Income taxes67/77 | €400 | €389 | €472 | €263 | €182 | €354 | €541 | ▲ 52.5% |
| Profit (loss) for the period9904 | €2,371 | €7,875 | -€11,758 | -€37,002 | -€57,465 | €7,642 | -€6,814 | - |
| Transfer from tax-exempt reserves789 | - | - | - | €14,842 | €0 | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €2,371 | €7,875 | -€11,758 | -€22,160 | -€57,465 | €7,642 | -€6,814 | - |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Total assets20/58 | €242,278 | €239,956 | €211,779 | €153,102 | €158,287 | €187,955 | €180,351 | ▼ 4.0% |
| Fixed assets21/28 | €56,440 | €36,057 | €51,973 | €36,473 | €24,635 | €12,971 | €41,558 | ▲ 220% |
| Tangible fixed assets22/27 | €56,440 | €36,057 | €51,973 | €36,473 | €24,635 | €12,971 | €41,558 | ▲ 220% |
| Land and buildings22 | - | - | €844 | €179 | €0 | - | - | - |
| Furniture and vehicles24 | - | - | €51,130 | €36,294 | €24,635 | €12,971 | €41,558 | ▲ 220% |
| Current assets29/58 | €185,838 | €203,899 | €159,806 | €116,629 | €133,653 | €174,984 | €138,793 | ▼ 20.7% |
| Amounts receivable within one year40/41 | €164,916 | €186,170 | €132,272 | €114,600 | €117,729 | €150,265 | €117,752 | ▼ 21.6% |
| Trade receivables40 | - | - | €861 | €3,456 | €5,625 | €36,556 | €190 | ▼ 99.5% |
| Other amounts receivable41 | - | - | €131,410 | €111,144 | €112,104 | €113,709 | €117,562 | ▲ 3.4% |
| Cash at bank and in hand54/58 | €20,753 | €15,645 | €27,471 | €1,972 | €15,861 | €24,210 | €21,019 | ▼ 13.2% |
| Deferred charges and accrued income490/1 | - | - | €64 | €57 | €63 | €509 | €23 | ▼ 95.5% |
| Equity and liabilities | ||||||||
| Total equity and liabilities10/49 | €242,278 | €239,956 | €211,779 | €153,102 | €158,287 | €187,955 | €180,351 | ▼ 4.0% |
| Equity10/15 | €95,219 | €103,095 | €91,337 | €54,335 | -€3,130 | €4,512 | -€2,365 | - |
| Contributions10/11 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Capital10 | - | - | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Issued capital100 | - | - | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Reserves13 | €33,219 | €41,095 | €41,095 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Non-distributable reserves130/1 | - | - | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Legal reserve130 | - | - | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Tax-exempt reserves132 | - | - | €14,842 | €0 | - | - | - | - |
| Distributable reserves133 | - | - | €20,053 | €0 | - | - | - | - |
| Profit (loss) carried forward14 | - | - | -€11,758 | -€13,865 | -€71,330 | -€63,688 | -€70,565 | ▼ 10.8% |
| Amounts payable17/49 | €147,059 | €136,861 | €120,442 | €98,767 | €161,417 | €183,443 | €182,717 | ▼ 0.4% |
| Amounts payable after more than one year17 | €33,328 | €14,858 | €1,559 | €0 | - | - | - | - |
| Financial debts170/4 | - | - | €1,559 | €0 | - | - | - | - |
| Amounts payable within one year42/48 | €113,730 | €122,003 | €118,883 | €98,767 | €161,417 | €183,443 | €182,717 | ▼ 0.4% |
| Current portion of amounts payable after more than one year42 | - | - | €13,299 | €1,559 | €0 | - | - | - |
| Trade debts44 | €4,994 | €0 | €6,901 | €4,239 | €5,138 | €5,308 | €30,698 | ▲ 478% |
| Suppliers440/4 | - | - | €6,901 | €4,239 | €5,138 | €5,308 | €30,698 | ▲ 478% |
| Advances received on contracts in progress46 | - | - | €0 | - | - | - | - | - |
| Taxes, remuneration and social security45 | - | - | €20,133 | €11,766 | €6,640 | €10,802 | €13,382 | ▲ 23.9% |
| Taxes450/3 | - | - | €14,381 | €4,104 | €5,318 | €5,465 | €4,954 | ▼ 9.3% |
| Remuneration and social security454/9 | - | - | €5,752 | €7,662 | €1,322 | €5,337 | €8,428 | ▲ 57.9% |
| Other amounts payable47/48 | - | - | €78,550 | €81,202 | €149,639 | €167,333 | €138,637 | ▼ 17.1% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2,371 | €7,875 | -€11,758 | -€37,002 | -€57,465 | €7,642 | -€6,814 | - |
| + Depreciation and write-downs630 | €22,271 | €22,350 | €31,522 | €15,102 | €11,838 | €11,083 | €14,884 | ▲ 34.3% |
| Operating cash flow (approximation) | €24,642 | €30,225 | €19,765 | -€21,900 | -€45,627 | €18,725 | €8,070 | ▼ 56.9% |
| Investment in fixed assets (approximation) | - | -€1,966 | -€47,439 | €399 | €0 | €581 | -€43,471 | - |
| Change in cash | - | -€5,108 | €11,826 | -€25,498 | €13,889 | €8,350 | -€3,192 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 2,796 companies had the same profile as COMFIMMO has now. Two years later, 90.4% were still going and 2.1% had gone bankrupt.
- Micro
- 20 years or older
- negative equity
- a small loss
Another 1.5% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of COMFIMMO itself: 0.6% within 12 months.
Test of the method
The method was tested on the 497,446 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 2,796 companies, not a prediction for COMFIMMO. 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.
Latest 10 of 48 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | abbreviated format | 10-07-2026 | 2026-00285758 | |
| 31-12-2024 | micro format | 04-07-2025 | 2025-00243761 | |
| 31-12-2023 | micro format | 23-07-2024 | 2024-00271415 | |
| 31-12-2022 | micro format | 28-08-2023 | 2023-00384694 | |
| 31-12-2021 | micro format | 26-07-2022 | 2022-20232307 | |
| 30-06-2020 | abbreviated format | 11-03-2021 | 2021-07300565 | |
| 30-06-2019 | abbreviated format | 31-01-2020 | 2020-03800317 | |
| 30-06-2018 | abbreviated format | 31-01-2019 | 2019-03900550 | |
| 30-06-2017 | abbreviated format | 24-11-2017 | 2017-70100527 | |
| 30-06-2016 | abbreviated format | 13-12-2016 | 2016-69900396 |
Board & ownership
Directors
Day-to-day management 2
Owners and capital
Shareholders
1 ownerChain of control
- GROEP LEYS
- COMFIMMO
Owners 1
-
100%
Mandate history
- Board
- Day-to-day management
- began earlier
| Name | Functions and periods |
|---|---|
| Jef Leys |
|
| Tine Leys |
|
Network & group
Companies at the same address
3 other companiesConnections & network
2 current directorsThe network starts from the directors of COMFIMMO. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
04-08
Gazette deed
Reappointments: Jef Leys (director) and Tine Leys (director)Appointments: Jef Leys (managing director) and Tine Leys (managing director)8 points ▸
- General meeting, 29-06-2026
- Director reappointment, Jef Leys (director)
- Director reappointment, Tine Leys (director)
- Board meeting, 29-06-2026
- Director appointment, Jef Leys (managing director)
- Director appointment, Tine Leys (managing director)
- Board composition, Jef Leys ((gedelegeerd) bestuurder)
- Board composition, Tine Leys ((gedelegeerd) bestuurder)
Show earlier events
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
Codes under NACEBEL 2003
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 11012A0283/00W000 | Flanders | 1,317 m² | 1 · 777 m² | - |