Comfy Technics
ActiveThe computed 12-month bankruptcy probability of Comfy Technics is 1.9% (moderate). The 2025 annual accounts show equity of €64k and a net result of €22k. Equity is growing by ~5.9% per year across the filed fiscal years. Its solvency ranks better than 94% of 27319 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
98
/ 100
Excellent▲ +28 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency100=
Growth52=
Stability94
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 9.96 against 16.48 in 2024), and 8.5% of the assets are financed with debt.
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 · 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 →
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
91.5%
Return on assets
31.8%
Age of the figures
8 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 10-06-2026, 51 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
51 d early
2024
48 d early
2023
20 d late
2022
70 d late
2021
31 d late
← before the deadline
after the deadline →
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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€64k▼ 30.3%
2024 · €92k
2021: €57k
2022: €77k
2023: €95k
2024: €92k
2021 → 2025
Total assets
€70k▼ 27.7%
2024 · €97k
2021: €116k
2022: €145k
2023: €99k
2024: €97k
2021 → 2025
Net result
€22k
2024 · €-3k
2021: €52k
2022: €20k
2023: €17k
2024: €-3k
2021 → 2025
Working capital
€53k▼ 29.4%
2024 · €76k
2021: €42k
2022: €47k
2023: €71k
2024: €76k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€57k-€77k▲ 35.0%€95k▲ 22.6%€92k▼ 3.1%€64k▼ 30.3%
Operating result€65k-€27k▼ 59.5%€24k▼ 8.1%€-1k€29k
Net result€52k-€20k▼ 61.6%€17k▼ 12.7%€-3k€22k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €29k after a loss of €1k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €70k
Fixed assets
€11k▼ 34.5%
Current assets
€59k▼ 26.3%
Equity and liabilities €70k
Equity
€64k▼ 30.3%
Debt
€6k▲ 21.9%
The debt ratio rises from 5.1% to 8.5%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€36k▲
2024 · €12k
Cash flow
€30k▲
2024 · €11k
Solvency
91.5%▼
2024 · 94.9%
Current ratio
9.96▼
2024 · 16.48
Quick ratio
7.45▼
2024 · 12.95
Debt / equity
0.09▲
2024 · 0.05
ROE
34.7%▲
2024 · -3.2%
ROA
31.8%▲
2024 · -3.0%
Interest coverage
168.82▲
2024 · 13.39
Debt
€6k▲
2024 · €5k
Debt ≤ 1 year
€6k▲
2024 · €5k
Income taxes
€6k▲
2024 · €1k
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€97k€70k▼
Fixed assets21/28€16k€11k▼
Intangible fixed assets21-€2k
Tangible fixed assets22/27€15k€7k▼
Plant, machinery and equipment23€535-
Furniture and vehicles24€13k€7k▼
Other tangible fixed assets26€791-
Financial fixed assets28€2k€2k=
Current assets29/58€80k€59k▼
Stocks and contracts in progress3€17k€15k▼
Stocks30/36€17k€15k▼
Amounts receivable within one year40/41€30k€9k▼
Trade receivables40€1k€1k▼
Other amounts receivable41€29k€8k▼
Cash at bank and in hand54/58€30k€31k▲
Deferred charges and accrued income490/1€3k€5k▲
Equity and liabilities
Total equity and liabilities10/49€97k€70k▼
Equity10/15€92k€64k▼
Contributions10/11€5k€5k=
Reserves13€90k€59k▼
Distributable reserves133€90k€59k▼
Profit (loss) carried forward14€-3k-
Amounts payable17/49€5k€6k▲
Amounts payable within one year42/48€5k€6k▲
Trade debts44€5k€4k▼
Suppliers440/4€5k€4k▼
Taxes, remuneration and social security45-€327
Taxes450/3-€327
Other amounts payable47/48-€2k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€7k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€37-
Other operating charges640/8€865€1k▲
Gross operating margin9900€13k€37k▲
Operating profit (loss)9901€-1k€29k▲
Financial income75/76B€376€29▼
Recurring financial income75€376€29▼
Financial charges65/66B€926€214▼
Recurring financial charges65€926€214▼
Profit (loss) for the period before taxes9903€-2k€29k▲
Income taxes67/77€1k€6k▲
Profit (loss) for the period9904€-3k€22k▲
Profit (loss) for the period to be appropriated9905€-3k€22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€19k▲
Profit (loss) brought forward from the previous period14P-€-3k
Transfer from equity791/2-€50k
Transfer to equity691/2-€19k
To other reserves6921-€19k
Profit to be distributed694/7-€50k
Return on contributions (dividend)694-€50k
The notes to these accounts (9 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
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
13-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-3k ▼117%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
31-12
Financial
Liquidity times 12current ratio 20.59
Current ratio from 1.70 to 20.59; short-term debt falls from €67k to €4k.
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 70 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · 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
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, Schoten · 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.
Kraaienlei 22900 SchotenGround area
875 m²
Building footprint
204 m²
Parcel 11040D0426/00D000, Flanders. Linked by address, not a title deed.
1 establishment unit
Comfy Technics
since 20202.307.818.357
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11040D0426/00D000 | Flanders | 875 m² | 1 · 204 m² | - |
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.
Similar companies · same sector, comparable size
ALBERT Marcel et Fils
BE 0887.707.772
Ciney · Eq €64k
B RENOV
BE 0642.767.035
Brussel · Eq €64k
KLIMATISATIE VERSTRAETE
BE 0894.081.662
Koksijde · Eq €64k
GVN TECH
BE 0753.706.925
Gent · Eq €64k
CHRIS DANCKERS
BE 0864.741.538
Grobbendonk · Eq €64k
Of 9,478 companies in sector 43222 we hold annual accounts for 5,626. 4,692 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-09-2020
Fiscal year end31-12
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
33110Repair and maintenance of fabricated metal products
43211General electrical installation work
43212Electrical installation work in industrial facilities
43221Plumbing work
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.