Comfort Building
ActiveSummary
Comfort Building has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €154k and a net result of €8k. Equity is growing by ~5.7% per year across the filed fiscal years. Its solvency ranks better than 51% of 14079 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability41▲+3
Solvency56▼-1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity tight (current ratio 1.45 against 1.47 in 2024; short-term debt: 69% and cash: 2.4% of total assets), and 69% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
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
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
31%
Return on assets
1.5%
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 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
137 d late
2023
61 d late
2022
45 d late
2021
61 d late
2020
16 d late
2019
237 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€154k▲ 5.3%
2024 · €146k
2018: €85k
2019: €117k
2020: €122k
2021: €123k
2022: €144k
2023: €145k
2024: €146k
2018 → 2025
Total assets
€497k▲ 8.4%
2024 · €459k
2018: €646k
2019: €293k
2020: €222k
2021: €339k
2022: €499k
2023: €467k
2024: €459k
2018 → 2025
Net result
€8k▲ 364%
2024 · €2k
2018: €8k
2019: €32k
2020: €4k
2021: €1k
2022: €21k
2023: €593
2024: €2k
2018 → 2025
Working capital
€154k▲ 5.0%
2024 · €147k
2018: €86k
2019: €120k
2020: €122k
2021: €123k
2022: €145k
2023: €145k
2024: €147k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€123k-€144k▲ 17.0%€145k▲ 0.4%€146k▲ 1.1%€154k▲ 5.3%
Operating result€-212-€32k€2k▼ 94.0%€2k▲ 11.2%€8k▲ 254%
Net result€1k-€21k▲ 1,335%€593▼ 97.2%€2k▲ 180%€8k▲ 364%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 254% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €497k
Equity
€154k ▲ 5.3%
Debt
€343k ▲ 9.9%
Debt's share of the balance-sheet total rises from 68.1% to 69.0%. Equity and debt are higher.
Key figures and ratios
Current ratio
1.45▼
2024 · 1.47
Quick ratio
1.26▼
2024 · 1.36
Debt to equity
2.23▲
2024 · 2.14
ROE
5.0%▲
2024 · 1.1%
ROA
1.5%▲
2024 · 0.4%
Debt ≤ 1 year
€343k▲
2024 · €312k
Income taxes
€3k▲
2024 · €1k
Staff costs
€32k▲
2024 · €32k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€459k€497k▲
Current assets29/58€459k€497k▲
Stocks and contracts in progress3€34k€64k▲
Stocks30/36€34k€64k▲
Amounts receivable within one year40/41€394k€421k▲
Trade receivables40€154k€168k▲
Other amounts receivable41€241k€253k▲
Cash at bank and in hand54/58€30k€12k▼
Equity and liabilities
Total equity and liabilities10/49€459k€497k▲
Equity10/15€146k€154k▲
Contributions10/11€19k€19k=
Outside capital11€19k-
Other1109/19€19k-
Reserves13€127k€135k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€125k€133k▲
Amounts payable17/49€312k€343k▲
Amounts payable within one year42/48€312k€343k▲
Financial debts43€125k€125k=
Credit institutions430/8-€125k
Other loans439€125k-
Trade debts44€123k€122k▼
Suppliers440/4€123k€122k▼
Advances received on contracts in progress46-€27k
Taxes, remuneration and social security45€57k€62k▲
Taxes450/3€57k€61k▲
Remuneration and social security454/9-€1k
Other amounts payable47/48€7k€7k=
Accrued charges and deferred income492/3€370-
Income statement
Code20242025
Remuneration, social security and pensions62€32k€32k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€35k€41k▲
Operating profit (loss)9901€2k€8k▲
Financial income75/76B€9k€9k▼
Recurring financial income75€9k€9k▼
Financial charges65/66B€8k€6k▼
Recurring financial charges65€8k€6k▼
Profit (loss) for the period before taxes9903€3k€11k▲
Income taxes67/77€1k€3k▲
Profit (loss) for the period9904€2k€8k▲
Profit (loss) for the period to be appropriated9905€2k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€8k▲
Transfer to equity691/2€2k€8k▲
To other reserves6921€2k€8k▲
The notes to these accounts (1 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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €150kEq €154k ▲5.3%
8 profitable years in a row build equity to €154k.
15-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 137 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Weakest financial yearnet €593 ▼97.2%
Net result drops to €593, the lowest in the series; recovery starts the following year.
14-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 45 days late
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
16-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 16 days late
25-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 237 days late
2019
31-12
Financial
Highest result since 2018net €32k ▲289%
Operating result €48k, net result €32k, both a record.
31-12
Financial
Equity above €100kEq €117k ▲37.7%
2 profitable years in a row build equity to €117k.
09-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 70 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
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, Maaseik · 1 establishment unit since 2011
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.
Kinrooiersteenweg 763680 MaaseikGround area
960 m²
Building footprint
147 m²
Volume, LiDAR
630 m³
Parcel 72024A0944/00W000, Flanders · tallest building 6.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Comfort Building
since 20112.199.833.603
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72024A0944/00W000 | Flanders | 960 m² | 1 · 147 m² | 6.1 m · 1 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.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 945 EUR awarded · 945 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 341 EUR | 945 EUR |
| 2023 | 1 | 604 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 9,694 companies in sector 68121 we hold annual accounts for 7,383. 5,337 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-01-2011
Fiscal year end31-12
Abbreviation NL
C.B.
Activities, NACEBEL 2025
68121Development of residential building projects
68122Development of non-residential building projects
46411Wholesale trade
47512Retail sale of household textiles and bedding
47530Retail trade
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:vanderheydenmario1@hotmail.com
Phone:0032496243038