Comfortabel wonen
ActiveComfortabel wonen has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (€-12k) and a net result of €-25k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 9% of 253 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2024
28
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-64
Solvency13▼-24
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.76 against 0.95 in 2023; short-term debt: 112.5% and cash: 22.6% of total assets), and equity is negative.
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
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 2024Solvency, return and age of the figures
Solvency
-12.5%
Return on assets
-27.4%
Age of the figures
21 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 35
Relative position
BE, all sectors
reference
Sector 35
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
2021222324
2020 to 2024 · latest year €-12k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-07-2025, 21 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
21 d early
2023
34 d early
2022
14 d early
2021
17 d early
2020
31 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€-12k
2023 · €14k
2020: €2k
2021: €7k
2022: €19k
2023: €14k
2020 → 2024
Total assets
€93k▼ 18.6%
2023 · €114k
2020: €43k
2021: €80k
2022: €90k
2023: €114k
2020 → 2024
Net result
€-25k▼ 445%
2023 · €-5k
2020: €-10k
2021: €4k
2022: €12k
2023: €-5k
2020 → 2024
Working capital
€-26k▼ 379%
2023 · €-5k
2020: €-11k
2021: €-12k
2022: €-5k
2023: €-5k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€2k-€7k▲ 170%€19k▲ 174%€14k▼ 25.2%€-12k
Operating result€-8k-€7k€19k▲ 154%€-4k€-25k▼ 591%
Net result€-10k-€4k€12k▲ 177%€-5k€-25k▼ 445%
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 €25k in 2024 against €4k in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €93k
Fixed assets
€14k▼ 27.2%
Current assets
€79k▼ 16.8%
Key figures and ratios
EBITDA
€-21k▼
2023 · €3k
Cash flow
€-21k▼
2023 · €2k
Solvency
-12.5%▼
2023 · 12.2%
Current ratio
0.76▼
2023 · 0.95
Quick ratio
0.76▼
2023 · 0.95
Debt / equity
-9.02▼
2023 · 7.20
ROA
-27.4%▼
2023 · -4.1%
Interest coverage
-85.94▼
2023 · 7.37
Debt
€104k▲
2023 · €100k
Debt ≤ 1 year
€104k▲
2023 · €100k
Income taxes
€451▼
2023 · €713
Staff costs
€239k▼
2023 · €340k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€114k€93k▼
Fixed assets21/28€19k€14k▼
Tangible fixed assets22/27€17k€11k▼
Plant, machinery and equipment23€2k€857▼
Furniture and vehicles24€6k€2k▼
Other tangible fixed assets26€9k€8k▼
Financial fixed assets28€3k€3k=
Current assets29/58€95k€79k▼
Amounts receivable within one year40/41€71k€49k▼
Trade receivables40€70k€47k▼
Other amounts receivable41€1k€2k▲
Cash at bank and in hand54/58€13k€21k▲
Deferred charges and accrued income490/1€11k€9k▼
Equity and liabilities
Total equity and liabilities10/49€114k€93k▼
Equity10/15€14k€-12k▼
Contributions10/11€12k€12k=
Reserves13€7k€7k=
Distributable reserves133€7k€7k=
Profit (loss) carried forward14€-5k€-30k▼
Amounts payable17/49€100k€104k▲
Amounts payable within one year42/48€100k€104k▲
Current portion of amounts payable after more than one year42€0-
Financial debts43€276€754▲
Credit institutions430/8€276€754▲
Trade debts44€24k€26k▲
Suppliers440/4€24k€26k▲
Taxes, remuneration and social security45€69k€57k▼
Taxes450/3€30k€16k▼
Remuneration and social security454/9€39k€40k▲
Other amounts payable47/48€6k€21k▲
Income statement
Code20232024
Remuneration, social security and pensions62€340k€239k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€4k▼
Other operating charges640/8€1k€1k▼
Non-recurring operating charges66A-€1k
Gross operating margin9900€344k€220k▼
Operating profit (loss)9901€-4k€-25k▼
Financial income75/76B€32€4▼
Recurring financial income75€32€4▼
Financial charges65/66B€400€241▼
Recurring financial charges65€400€241▼
Profit (loss) for the period before taxes9903€-4k€-25k▼
Income taxes67/77€713€451▼
Profit (loss) for the period9904€-5k€-25k▼
Profit (loss) for the period to be appropriated9905€-5k€-25k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-5k€-30k▼
Profit (loss) brought forward from the previous period14P€0€-5k▼
Transfer to equity691/2€0-
To other reserves6921€0-
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-25k
Net result drops to €-25k, the lowest in the series.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2020net €12k ▲177%
Operating result €19k, net result €12k, both a record.
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Duffel · 1 establishment unit since 2020
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.
Beukheuvel 922570 DuffelGround area
1.1 ha
Building footprint
4,984 m²
Volume, LiDAR
33,031 m³
2 parcels, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Comfortabel wonen / IsaLibel
since 20202.298.250.890
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12302B0730/00A000 | Flanders | 1.0 ha | 1 · 4,721 m² | 7.8 m · 2 fl. |
| 12302B0648/00F000 | Flanders | 498 m² | 1 · 263 m² | 7.3 m · 2 fl. |
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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 7,085 EUR awarded · 7,116 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,883 EUR | 1,764 EUR |
| 2024 | 1 | 1,184 EUR | 1,184 EUR |
| 2023 | 1 | 2,178 EUR | 2,328 EUR |
| 2022 | 1 | 1,840 EUR | 1,840 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 815 companies in sector 35110 we hold annual accounts for 631. 132 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-01-2020
Fiscal year end31-12
Activities, NACEBEL
35110Production of electricity from non-renewable sources
82990Other business support services
47789Other retail sale of new goods
47890Retail trade
68310Real estate agency activities
68311Real estate activities
70200Business and other management consultancy
70220Business consulting
86904Human health activities
86931Psychology services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.