COMFORTMASTERS
ActiveCOMFORTMASTERS has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €105k and a net result of €28k. Equity is growing by ~38.6% per year across the filed fiscal years. Its solvency ranks better than 16% of 615 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
60
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability58▲+2
Solvency48▲+4
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.21 against 1.19 in 2023; short-term debt: 76.7% and cash: 10.4% of total assets), and 76.7% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 88
Relative position
BE, all sectors
reference
Sector 88
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
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
23.3%
Return on assets
6.2%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 615 sector peers (2024).
NBB · sector comparisonPosition among 615 sector peers
Solvency
better than 16%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 14-08-2025, 14 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
not confirmed
2024
14 d late
2023
42 d early
2022
58 d late
2021
75 d late
2020
60 d early
2019
38 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€105k▲ 36.3%
2023 · €77k
2018: €-72k
2019: €-52k
2020: €60k
2021: €73k
2022: €72k
2023: €77k
2018 → 2024
Total assets
€451k▲ 12.7%
2023 · €400k
2018: €808k
2019: €431k
2020: €464k
2021: €479k
2022: €461k
2023: €400k
2018 → 2024
Net result
€28k▲ 461%
2023 · €5k
2018: €8k
2019: €21k
2020: €111k
2021: €18k
2022: €-1k
2023: €5k
2018 → 2024
Working capital
€72k▲ 20.1%
2023 · €60k
2018: €-249k
2019: €-207k
2020: €40k
2021: €58k
2022: €67k
2023: €60k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€60k-€73k▲ 22.3%€72k▼ 1.4%€77k▲ 6.9%€105k▲ 36.3%
Operating result€182k-€93k▼ 48.7%€41k▼ 56.6%€35k▼ 14.3%€56k▲ 61.2%
Net result€111k-€18k▼ 83.5%€-1k€5k€28k▲ 461%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 61% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €451k
Fixed assets
€33k▲ 94.4%
Current assets
€418k▲ 9.1%
Equity and liabilities €451k
Equity
€105k▲ 36.3%
Debt
€346k▲ 7.1%
The debt ratio falls from 80.8% to 76.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€62k▲
2023 · €40k
Cash flow
€34k▲
2023 · €10k
Solvency
23.3%▲
2023 · 19.2%
Current ratio
1.21▲
2023 · 1.19
Quick ratio
1.21▲
2023 · 1.19
Debt / equity
3.30▼
2023 · 4.20
ROE
26.6%▲
2023 · 6.5%
ROA
6.2%▲
2023 · 1.2%
Interest coverage
3.78▼
2023 · 4.31
Debt
€346k▲
2023 · €323k
Debt ≤ 1 year
€346k▲
2023 · €323k
Income taxes
€1▼
2023 · €20k
Staff costs
€1.90M▲
2023 · €1.87M
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€400k€451k▲
Fixed assets21/28€17k€33k▲
Intangible fixed assets21-€1k
Tangible fixed assets22/27€14k€31k▲
Plant, machinery and equipment23€1k€810▼
Furniture and vehicles24€11k€29k▲
Other tangible fixed assets26€2k€1k▼
Financial fixed assets28€3k€408▼
Current assets29/58€383k€418k▲
Amounts receivable after more than one year29€100k€230k▲
Trade receivables290€100k€230k▲
Amounts receivable within one year40/41€136k€134k▼
Trade receivables40€15k€79k▲
Other amounts receivable41€121k€55k▼
Cash at bank and in hand54/58€43k€47k▲
Deferred charges and accrued income490/1€104k€7k▼
Equity and liabilities
Total equity and liabilities10/49€400k€451k▲
Equity10/15€77k€105k▲
Contributions10/11€19k€19k=
Reserves13€53k€51k▼
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Tax-exempt reserves132€51k€51k=
Profit (loss) carried forward14€5k€35k▲
Amounts payable17/49€323k€346k▲
Amounts payable within one year42/48€323k€346k▲
Current portion of amounts payable after more than one year42€36k-
Financial debts43-€32k
Other loans439-€32k
Trade debts44€32k€30k▼
Suppliers440/4€32k€30k▼
Taxes, remuneration and social security45€256k€258k▲
Taxes450/3€6k€6k▲
Remuneration and social security454/9€250k€251k▲
Other amounts payable47/48-€26k
Income statement
Code20232024
Remuneration, social security and pensions62€1.87M€1.90M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€6k▲
Other operating charges640/8€1k€458▼
Gross operating margin9900€1.91M€1.96M▲
Operating profit (loss)9901€35k€56k▲
Financial income75/76B€3€281▲
Recurring financial income75€3€34▲
Non-recurring financial income76B-€246
Financial charges65/66B€9k€28k▲
Recurring financial charges65€9k€16k▲
Non-recurring financial charges66B-€12k
Profit (loss) for the period before taxes9903€25k€28k▲
Income taxes67/77€20k€1▼
Profit (loss) for the period9904€5k€28k▲
Profit (loss) for the period to be appropriated9905€5k€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5k€33k▲
Profit (loss) brought forward from the previous period14P€58€5k▲
Transfer from equity791/2-€4k
Transfer to equity691/2-€2k
To other reserves6921-€2k
Social balance
Average headcount (FTE)908757.155.6▼
The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
14-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 14 days late
2024
31-12
Financial
Equity above €100kEq €105k ▲36.3%
2 profitable years in a row build equity to €105k.
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
27-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 58 days late
2022
31-12
Financial
Weakest financial yearnet €-1k ▼106%
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
14-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 75 days late
2021
01-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €111k ▲440%
Operating result €182k, net result €111k, both a record.
07-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 38 days late
2019
01-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 62 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 28 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
2016
27-09
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 58 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Antwerpen · 3 establishment units since 2008
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.
Ter Rivierenlaan 62100 AntwerpenGround area
6,658 m²
Building footprint
311 m²
Volume, LiDAR
3,818 m³
3 parcels, Flanders · tallest building 23.7 m, ±8 floors. Linked by address, not a title deed.
3 establishment units
Comfortmasters
since 20082.171.119.821
Comfortmasters
since 20132.221.458.663
Comfortmasters
since 20182.300.990.844
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11344A0528/00K013 | Flanders | 5,905 m² | 1 · 72 m² | 23.7 m · 8 fl. |
| 11042A0214/00Y002 | Flanders | 597 m² | 1 · 140 m² | 11.6 m · 3 fl. |
| 11343A0595/00M007 | Flanders | 156 m² | 1 · 100 m² | 12.6 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 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 · 11 entries · 5,587,791 EUR awarded · 5,578,840 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 4 | 1,419,399 EUR | 1,416,618 EUR |
| 2024 | 3 | 1,439,625 EUR | 1,442,764 EUR |
| 2023 | 2 | 1,402,930 EUR | 1,398,465 EUR |
| 2022 | 2 | 1,325,837 EUR | 1,320,993 EUR |
Schemes
Dienstencheques
Opleidingsfonds dienstencheques
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions: source did not answer, try again later.
Similar companies · same sector, comparable size
Eerstelijnszone Bonstato
BE 0739.712.892
Putte · Eq €105k
Nadja
BE 0419.084.936
Liège · Eq €104k
L'Ambulatoire - Forest
BE 0456.686.490
Vorst · Eq €106k
ISADENTLAU
BE 0838.892.226
Ukkel · Eq €104k
ATD Quart Monde Belgique - ATD Vierde Wereld België
BE 0408.429.089
Etterbeek · Eq €104k
Of 2,203 companies in sector 88999 we hold annual accounts for 802. 577 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-04-2008
Fiscal year end31-12
Activities, NACEBEL
88999Other social work without accommodation
Sources
Crossroads Bank for EnterprisesNational Bank · 16 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.