COMFORT STORES
ActiveCOMFORT STORES has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €61k and a net result of €-7k. Equity is growing by ~14.5% per year across the filed fiscal years. Its solvency ranks better than 57% of 27787 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability61▲+28
Solvency78▼-13
Growth78=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 2.47 against 5.29 in 2024; short-term debt: 34.3% and cash: 41.9% of total assets), and 46.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
53.2%
Return on assets
-6%
Age of the figures
15 mo
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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year €-7k
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-03-2026, 58 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
58 d late
2024
on the day
2023
29 d late
2022
59 d late
2021
on the day
2020
2 d early
2019
28 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€61k▼ 10.2%
2024 · €68k
2019: €14k
2020: €23k
2021: €55k
2022: €72k
2023: €72k
2024: €68k
2019 → 2025
Total assets
€114k▲ 11.4%
2024 · €103k
2019: €70k
2020: €48k
2021: €90k
2022: €108k
2023: €129k
2024: €103k
2019 → 2025
Net result
€-7k▼ 57.5%
2024 · €-4k
2019: €-13k
2020: €9k
2021: €31k
2022: €18k
2023: €84
2024: €-4k
2019 → 2025
Working capital
€58k▼ 27.2%
2024 · €79k
2019: €38k
2020: €37k
2021: €69k
2022: €80k
2023: €82k
2024: €79k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€55k-€72k▲ 32.1%€72k▲ 0.1%€68k▼ 6.1%€61k▼ 10.2%
Operating result€49k-€26k▼ 45.7%€4k▼ 86.3%€-4k€-4k▼ 14.0%
Net result€31k-€18k▼ 44.0%€84▼ 99.5%€-4k€-7k▼ 57.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €4k in 2025 against €4k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €114k
Fixed assets
€17k▲ 268%
Current assets
€97k▼ 0.9%
Equity and liabilities €114k
Equity
€61k▼ 10.2%
Debt
€53k▲ 53.3%
The debt ratio rises from 34.0% to 46.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€4k▲
2024 · €2k
Cash flow
€1k▲
2024 · €1k
Solvency
53.2%▼
2024 · 66.0%
Current ratio
2.47▼
2024 · 5.29
Quick ratio
2.47▼
2024 · 5.29
Debt / equity
0.88▲
2024 · 0.51
ROE
-11.3%▼
2024 · -6.4%
ROA
-6.0%▼
2024 · -4.3%
Interest coverage
9.88▲
2024 · 2.31
Debt
€53k▲
2024 · €35k
Debt ≤ 1 year
€39k▲
2024 · €19k
Debt > 1 year
€14k▼
2024 · €16k
Income taxes
€3k
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€103k€114k▲
Fixed assets21/28€5k€17k▲
Tangible fixed assets22/27€4k€17k▲
Plant, machinery and equipment23€2k€836▼
Furniture and vehicles24€2k€16k▲
Financial fixed assets28€750€750=
Current assets29/58€98k€97k▼
Amounts receivable within one year40/41€34k€49k▲
Trade receivables40€34k€49k▲
Cash at bank and in hand54/58€61k€48k▼
Deferred charges and accrued income490/1€3k-
Equity and liabilities
Total equity and liabilities10/49€103k€114k▲
Equity10/15€68k€61k▼
Contributions10/11€19k€19k=
Reserves13€930€930=
Non-distributable reserves130/1€930€930=
Reserves not available under the articles1311€930€930=
Profit (loss) carried forward14€48k€41k▼
Amounts payable17/49€35k€53k▲
Amounts payable after more than one year17€16k€14k▼
Financial debts170/4€16k€14k▼
Amounts payable within one year42/48€19k€39k▲
Trade debts44€11k€32k▲
Suppliers440/4€11k€32k▲
Taxes, remuneration and social security45€7k€7k▲
Taxes450/3€6k€6k▲
Remuneration and social security454/9€1k€850▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€8k▲
Other operating charges640/8€3k€3k▼
Gross operating margin9900€5k€6k▲
Operating profit (loss)9901€-4k€-4k▼
Financial income75/76B€9€463▲
Recurring financial income75€9€463▲
Non-recurring financial income76B€9€463▲
Financial charges65/66B€762€384▼
Recurring financial charges65€762€384▼
Non-recurring financial charges66B€762€384▼
Profit (loss) for the period before taxes9903€-4k€-4k▲
Income taxes67/77-€3k
Profit (loss) for the period9904€-4k€-7k▼
Profit (loss) for the period to be appropriated9905€-4k€-7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€48k€41k▼
Profit (loss) brought forward from the previous period14P€53k€48k▼
The notes to these accounts (7 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
30-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 58 days late
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 59 days late
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Highest result since 2019net €31k ▲229%
Operating result €49k, net result €31k, both a record.
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
30-06
Financial
Liquidity doublescurrent ratio 4.76
Current ratio from 2.27 to 4.76; short-term debt falls from €30k to €10k.
03-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
20-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 20 days late
2017
31-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Ronse · 1 establishment unit since 2012
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.
Fostierlaan 22B9600 RonseGround area
4,798 m²
Building footprint
618 m²
Volume, LiDAR
6,488 m³
2 parcels, Flanders, Wallonia · tallest building 16.5 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Comfort Stores
since 20122.212.119.246
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45423E0476/00M004 | Flanders | 3,042 m² | 1 · 482 m² | 16.5 m · 5 fl. |
| 51019C0431/00C000 | Wallonia | 1,756 m² | 1 · 137 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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G.K.S.
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Of 4,097 companies in sector 43240 we hold annual accounts for 1,632. 1,357 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded13-06-2012
Fiscal year end30-06
Activities, NACEBEL
43240Other construction installation
43299Specialised construction activities
47527Retail trade
47530Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.