Comfora
ActiveSummary
The computed 12-month bankruptcy probability of Comfora is 5.7% (elevated). The 2025 annual accounts show negative equity (-€2.2m) and a net result of -€664,616. Equity is shrinking by ~61.9% per year across the filed fiscal years. Its solvency ranks better than 5% of 8161 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency0=
Growth32=
Track record94
Bankruptcy probability, 12 months
5.7%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.39 against 0.3 in 2024; short-term debt: 198.1% and cash: 8.3% of total assets), and equity is negative.
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Signals
Six signals. The signal on the left, the evidence on the right.
+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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-101.9%
Return on assets
-30.6%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
22232425
2022 to 2025 · latest year -€2.2m
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 · 4 filingsDeviation from the deadline
2025
26 d late
2024
30 d early
2023
91 d late
2022
17 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 26 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 22 August (3 of the last 4 filed years within 52 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#3 fastest grower in Limburg, Wholesale and retail trade sector#4 company by total assets in Wellen, Wholesale and retail trade sector#6 employer in Wellen
Equity
-€2.2m▼ 42.9%
2024 · -€1.5m
Total assets
€2.2m▲ 14.4%
2024 · €1.9m
Net result
-€664,616▲ 19.9%
2024 · -€829,735
Working capital
-€2.6m▼ 11.9%
2024 · -€2.3m
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Operating result-€169,474--€662,584▼ 291%-€899,682▼ 35.8%-€509,432▲ 43.4%
Net result-€130,268below the sector's middle half--€589,183below the sector's middle half▼ 352%-€829,735below the sector's middle half▼ 40.8%-€664,616below the sector's middle half▲ 19.9%
Equity-€129,768below the sector's middle half--€718,951below the sector's middle half▼ 454%-€1.5mbelow the sector's middle half▼ 115%-€2.2mbelow the sector's middle half▼ 42.9%
Total assets€1.0mwithin the sector's middle half-€1.5mwithin the sector's middle half▲ 47.2%€1.9mwithin the sector's middle half▲ 23.0%€2.2mwithin the sector's middle half▲ 14.4%
Debt€1.2m-€2.3m▲ 92.0%€3.4m▲ 52.4%€4.4m▲ 27.2%
Working capital-€315,653below the sector's middle half--€694,881below the sector's middle half▼ 120%-€2.3mbelow the sector's middle half▼ 237%-€2.6mbelow the sector's middle half▼ 11.9%
Solvency-12.4%below the sector's middle half--46.6%below the sector's middle half▼ 34.2pp-81.6%below the sector's middle half▼ 35.0pp-101.9%below the sector's middle half▼ 20.3pp
Current ratio0.68below the sector's middle half-0.62below the sector's middle half▼ 0.070.30below the sector's middle half▼ 0.310.39below the sector's middle half▲ 0.09
Return on assets (ROA)-12.4%below the sector's middle half--38.2%below the sector's middle half▼ 25.8pp-43.7%below the sector's middle half▼ 5.5pp-30.6%below the sector's middle half▲ 13.1pp
Staff (FTE)12.2above the sector's middle half-27.5above the sector's middle half▲ 125%30.8above the sector's middle half▲ 12.0%27.6above the sector's middle half▼ 10.4%
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €509,432 in 2025 against €899,682 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.2m
Fixed assets
€489,330 ▼ 44.1%
Current assets
€1.7m ▲ 64.5%
Key figures and ratios
EBITDA
-€423,480▲
2024 · -€736,664
Cash flow
-€578,664▲
2024 · -€666,717
Quick ratio
0.22▲
2024 · 0.13
Debt to equity
-1.98▲
2024 · -2.23
Interest coverage
-2.84▲
2024 · -13.71
Debt ≤ 1 year
€4.3m▲
2024 · €3.4m
Debt > 1 year
€82,148▲
2024 · €78,750
Staff costs
€1.9m▼
2024 · €1.9m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 562 companies that looked in July 2024 the way this one looks now, 7.1% went bankrupt within 24 months and 87% are still going.
- Small
- 5 to 10 years old
- negative equity
- a loss of 10% of the balance sheet or more
7.1%
went bankrupt
4.8%
stopped otherwise
87%
still going
A further 1.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 5.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 562 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €582,088 | €1.7m | €1.9m | €1.9m | ▼ 0.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €67,695 | €107,937 | €163,018 | €85,952 | ▼ 47.3% |
| Other operating charges640/8 | €9,091 | €17,728 | €73,333 | €26,349 | ▼ 64.1% |
| Non-recurring operating charges66A | - | - | - | €155,561 | - |
| Gross operating margin9900 | €489,400 | €1.2m | €1.3m | €1.7m | ▲ 32.3% |
| Operating profit (loss)9901 | -€169,474 | -€662,584 | -€899,682 | -€509,432 | ▲ 43.4% |
| Financial income75/76B | €47,596 | €94,718 | €126,689 | €12,630 | ▼ 90.0% |
| Recurring financial income75 | €47,596 | €94,718 | €126,689 | €10,570 | ▼ 91.7% |
| Non-recurring financial income76B | - | - | - | €2,061 | - |
| Financial charges65/66B | €8,390 | €21,317 | €56,742 | €167,815 | ▲ 196% |
| Recurring financial charges65 | €8,390 | €21,317 | €53,743 | €149,293 | ▲ 178% |
| Non-recurring financial charges66B | - | - | €2,999 | €18,522 | ▲ 518% |
| Profit (loss) for the period before taxes9903 | -€130,268 | -€589,183 | -€829,735 | -€664,616 | ▲ 19.9% |
| Profit (loss) for the period9904 | -€130,268 | -€589,183 | -€829,735 | -€664,616 | ▲ 19.9% |
| Profit (loss) for the period to be appropriated9905 | -€130,268 | -€589,183 | -€829,735 | -€664,616 | ▲ 19.9% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €1.0m | €1.5m | €1.9m | €2.2m | ▲ 14.4% |
| Fixed assets21/28 | €364,306 | €422,919 | €875,617 | €489,330 | ▼ 44.1% |
| Tangible fixed assets22/27 | €353,416 | €385,229 | €811,927 | €425,640 | ▼ 47.6% |
| Plant, machinery and equipment23 | €4,367 | €9,383 | €8,405 | €3,592 | ▼ 57.3% |
| Furniture and vehicles24 | €347,926 | €254,650 | €337,883 | €19,995 | ▼ 94.1% |
| Other tangible fixed assets26 | €1,123 | €121,196 | €465,640 | €402,053 | ▼ 13.7% |
| Financial fixed assets28 | €10,890 | €37,690 | €63,690 | €63,690 | = |
| Current assets29/58 | €683,951 | €1.1m | €1.0m | €1.7m | ▲ 64.5% |
| Stocks and contracts in progress3 | €350,000 | €927,342 | €586,374 | €734,418 | ▲ 25.2% |
| Stocks30/36 | €350,000 | €927,342 | €586,374 | €734,418 | ▲ 25.2% |
| Amounts receivable within one year40/41 | €33,804 | €15,289 | €196,095 | €731,140 | ▲ 273% |
| Trade receivables40 | - | €8,621 | €163,321 | €526,382 | ▲ 222% |
| Other amounts receivable41 | €33,804 | €6,667 | €32,774 | €204,758 | ▲ 525% |
| Cash at bank and in hand54/58 | €295,897 | €169,171 | €238,674 | €179,725 | ▼ 24.7% |
| Deferred charges and accrued income490/1 | €4,250 | €8,371 | €1,652 | €37,567 | ▲ 2,175% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €1.0m | €1.5m | €1.9m | €2.2m | ▲ 14.4% |
| Equity10/15 | -€129,768 | -€718,951 | -€1.5m | -€2.2m | ▼ 42.9% |
| Contributions10/11 | €500 | €500 | €500 | €500 | = |
| Profit (loss) carried forward14 | -€130,268 | -€719,451 | -€1.5m | -€2.2m | ▼ 42.9% |
| Amounts payable17/49 | €1.2m | €2.3m | €3.4m | €4.4m | ▲ 27.2% |
| Amounts payable after more than one year17 | €75,931 | €403,523 | €78,750 | €82,148 | ▲ 4.3% |
| Financial debts170/4 | €75,931 | €403,523 | €78,750 | €82,148 | ▲ 4.3% |
| Amounts payable within one year42/48 | €999,604 | €1.8m | €3.4m | €4.3m | ▲ 27.9% |
| Current portion of amounts payable after more than one year42 | - | €214,526 | €0 | - | - |
| Financial debts43 | €59,483 | - | - | - | - |
| Credit institutions430/8 | €59,483 | - | - | - | - |
| Trade debts44 | €86,936 | €1.2m | €1.1m | €991,475 | ▼ 8.9% |
| Suppliers440/4 | €86,936 | €1.2m | €1.1m | €991,475 | ▼ 8.9% |
| Advances received on contracts in progress46 | €511,911 | €0 | - | €527,706 | - |
| Taxes, remuneration and social security45 | €338,180 | €379,415 | €535,674 | €451,291 | ▼ 15.8% |
| Taxes450/3 | €272,989 | €81,063 | €270,741 | €137,041 | ▼ 49.4% |
| Remuneration and social security454/9 | €65,191 | €298,352 | €264,932 | €314,251 | ▲ 18.6% |
| Other amounts payable47/48 | €3,094 | €4,407 | €1.7m | €2.3m | ▲ 34.0% |
| Accrued charges and deferred income492/3 | €102,490 | €43,465 | €3,000 | €0 | ▼ 100% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€130,268 | -€589,183 | -€829,735 | -€664,616 | ▲ 19.9% |
| + Depreciation and write-downs630 | €67,695 | €107,937 | €163,018 | €85,952 | ▼ 47.3% |
| Operating cash flow (approximation) | -€62,573 | -€481,246 | -€666,717 | -€578,664 | ▲ 13.2% |
| Investment in fixed assets (approximation) | - | -€166,549 | -€615,717 | €300,335 | ▲ 149% |
| Change in cash | - | -€126,726 | €69,503 | -€58,949 | ▼ 185% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
01-09
State Gazette act
BenamingName change · Statutes amendment · Power of attorney4 facts ▸
State Gazette act
Benaming
Name change · Statutes amendment · Power of attorney4 facts ▸
- General meeting, 25-08-2026
- Name change, Comfora
- Statutes amendment, 1
- Power of attorney
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 26 days late
29-06
State Gazette act
Resignation: Daan Corvers (vaste vertegenwoordiger van de vennootschap silver care b.v., die bestuurder is van de vennootschap)Permanent representative: Robin Simmering · Power of attorney5 facts ▸
State Gazette act
Resignation: Daan Corvers (vaste vertegenwoordiger van de vennootschap silver care b.v., die bestuurder is van de vennootschap)
Permanent representative: Robin Simmering · Power of attorney5 facts ▸
- General meeting, 29-10-2025
- Director resignation, Daan Corvers (vaste vertegenwoordiger van de vennootschap silver care b.v., die bestuurder is van de vennootschap)
- Permanent representative, Robin Simmering (vaste vertegenwoordiger van silver care b.v., bestuurder van de vennootschap)
- Power of attorney, Johanna Imbrechts
- Power of attorney, Maxime Degenaers
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet -€829,735
Net result drops to -€829,735, the lowest in the series; recovery starts the following year.
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 91 days late
2023
17-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 17 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
2 of 6 acts read
About the unread acts
Of the 6 Belgian State Gazette acts we know for this company, 2 have been read. The other 4 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
no sitting director, last change in 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Not every act has been read: a resignation may be missing here
4 of this company's 6 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Wellen · 6 establishment units since 2021
Ground area
1.3 ha
Building footprint
5,294 m²
Volume, LiDAR
31,152 m³
6 parcels, Flanders · tallest building 19.4 m, ±3 floors. Linked by address, not a title deed.
6 establishment units
Meubelzorg
since 20212.320.647.202
Beernem
since 20232.369.789.182
Balen
since 20232.369.789.479
Borsbeek
since 20242.369.789.281
Gent
since 20242.369.789.677
Boortmeerbeek
since 20242.369.789.380
6 parcels
Flanders
6
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13003A1888/00R000indicative | Flanders | 5,522 m² | 1 · 157 m² | 3.9 m |
| 44032A0110/00N004 | Flanders | 2,928 m² | 1 · 1,673 m² | 19.4 m · 3 fl. |
| 24014C0128/00M000 | Flanders | 2,588 m² | 1 · 1,666 m² | 5.6 m · 2 fl. |
| 73098F1146/00G000 | Flanders | 1,111 m² | 1 · 1,111 m² | 8.4 m · 3 fl. |
| 11007A0104/00G007 | Flanders | 588 m² | 1 · 531 m² | 11.2 m · 1 fl. |
| 31003G0055/00V000 | Flanders | 187 m² | 1 · 156 m² | 8.8 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
5 of 6 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
1 person since 2025, 0 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Daan Corvers |
|
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Of 1,742 companies in sector 46150 we hold annual accounts for 758. 96 are within a factor 10 of this headcount. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded09-07-2021
Fiscal year end31-12
Legal name NL
Meubelzorg
Activities, NACEBEL 2025
46150Agents in the wholesale of furniture, household goods and hardware
47551Retail sale of household furniture
Contact
Website
www.meubelzorg.be
E-invoicing
Reachable via Peppol
Peppol ID
0208:0770982625
Also
9925:BE0770982625
Registered
30-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.