COMGER
ActiveSummary
COMGER has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€179,355) and a net result of €69,023. Equity is shrinking by ~41.8% per year across the filed fiscal years. Its solvency ranks better than 9% of 4209 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability75▲+75
Solvency11▲+11
Growth60▲+17
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.4 against 0.2 in 2024; short-term debt: 68.2% and cash: 10.8% of total assets), and equity is negative.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five 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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 4209 sector peers (2025).
NBB · sector comparisonPosition among 4209 sector peers
Solvency
better than 9%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 07-04-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
23 d early
2023
21 d late
2022
2 d late
2021
1 d early
2020
7 d early
2019
6 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 5 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
28-09-2026 today30-09-2026 close30-04-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, full schema
Turnover
€3.0m▲ 4.4%
2021 · €2.9m
EBIT margin
-0.6%▼ 1.3pp
2021 · 0.7%
Net result
€69,023
2024 · -€142,933
Working capital
-€510,748▲ 15.5%
2024 · -€604,655
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€2.9m▲ 17.6%€3.0m▲ 4.4%
Operating result€21,058-€17,661-€182,163▼ 931%-€131,385▲ 27.9%€96,904
Net result€15,243within the sector's middle half-€22,123below the sector's middle half-€195,775below the sector's middle half▼ 785%-€142,933below the sector's middle half▲ 27.0%€69,023within the sector's middle half
EBIT margin0.7%▲ 0.8pp-0.6%▼ 1.3pp
Equity€112,453within the sector's middle half▲ 5.9%€90,330within the sector's middle half▼ 19.7%-€105,445below the sector's middle half-€248,378below the sector's middle half▼ 136%-€179,355below the sector's middle half▲ 27.8%
Total assets€364,716below the sector's middle half▼ 18.6%€391,693below the sector's middle half▲ 7.4%€263,616below the sector's middle half▼ 32.7%€857,564within the sector's middle half▲ 225%€1.3mwithin the sector's middle half▲ 46.4%
Debt€252,263▼ 26.2%€301,363▲ 19.5%€369,061▲ 22.5%€1.1m▲ 200%€1.4m▲ 29.7%
Working capital€68,326▲ 17.2%€61,126▼ 10.5%-€142,337-€604,655▼ 325%-€510,748▲ 15.5%
Solvency30.8%within the sector's middle half▲ 7.1pp23.1%within the sector's middle half▼ 7.8pp-40.0%below the sector's middle half▼ 63.1pp-29.0%below the sector's middle half▲ 11.0pp-14.3%below the sector's middle half▲ 14.7pp
Staff (FTE)3.7within the sector's middle half▲ 2.8%3.9within the sector's middle half▲ 5.4%3.5within the sector's middle half▼ 10.3%3.5within the sector's middle half=3.5within the sector's middle half=
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €96,904 after a loss of €131,385 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.3m
Fixed assets
€909,411 ▲ 28.9%
Current assets
€346,008 ▲ 128%
Key figures and ratios
EBITDA
€173,315▲
2024 · -€98,482
Cash flow
€145,434▲
2024 · -€110,030
Current ratio
0.40▲
2024 · 0.20
Quick ratio
0.23▲
2024 · 0.15
Debt to equity
-8.00▼
2024 · -4.45
ROA
5.5%▲
2024 · -16.7%
Interest coverage
5.97▲
2024 · -8.78
Debt ≤ 1 year
€856,755▲
2024 · €756,508
Debt > 1 year
€578,019▲
2024 · €349,434
Income taxes
€1▼
2024 · €327
Staff costs
€70,508▲
2024 · €62,785
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,640 companies that looked in July 2024 the way this one looks now, 2.7% went bankrupt within 24 months and 92% are still going.
- Micro
- 10 to 20 years old
- negative equity
- a profit of 5% of the balance sheet or more
2.7%
went bankrupt
4.9%
stopped otherwise
92%
still going
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.8% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 3,640 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €2.9m | €3.0m | - | - | - | - |
| Non-recurring operating income76A | - | - | €2,895 | €1,328 | - | - |
| Goods, raw materials, services and sundry goods60/61 | €2.7m | €2.9m | - | - | - | - |
| Remuneration, social security and pensions62 | €156,666 | €144,758 | €151,858 | €62,785 | €70,508 | ▲ 12.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €27,656 | €26,157 | €23,423 | €32,903 | €76,411 | ▲ 132% |
| Other operating charges640/8 | €16,521 | €9,732 | €8,398 | €25,005 | €8,138 | ▼ 67.5% |
| Non-recurring operating charges66A | - | - | €39,738 | - | €7,240 | - |
| Gross operating margin9900 | €221,901 | €162,986 | €41,254 | -€10,692 | €259,201 | ▲ 2,524% |
| Operating profit (loss)9901 | €21,058 | -€17,661 | -€182,163 | -€131,385 | €96,904 | ▲ 174% |
| Financial income75/76B | €45 | €1 | €192 | - | €1,172 | - |
| Recurring financial income75 | €45 | €1 | €192 | - | €1,172 | - |
| Financial charges65/66B | €2,656 | €5,080 | €13,157 | €11,221 | €29,053 | ▲ 159% |
| Recurring financial charges65 | €2,656 | €5,080 | €13,157 | €11,221 | €29,053 | ▲ 159% |
| Profit (loss) for the period before taxes9903 | €18,447 | -€22,740 | -€195,128 | -€142,606 | €69,024 | ▲ 148% |
| Income taxes67/77 | €3,204 | -€617 | €647 | €327 | €1 | ▼ 99.8% |
| Profit (loss) for the period9904 | €15,243 | -€22,123 | -€195,775 | -€142,933 | €69,023 | ▲ 148% |
| Profit (loss) for the period to be appropriated9905 | €15,243 | -€22,123 | -€195,775 | -€142,933 | €69,023 | ▲ 148% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €364,716 | €391,693 | €263,616 | €857,564 | €1.3m | ▲ 46.4% |
| Fixed assets21/28 | €85,166 | €67,256 | €47,333 | €705,711 | €909,411 | ▲ 28.9% |
| Tangible fixed assets22/27 | €83,391 | €65,481 | €42,058 | €700,436 | €904,136 | ▲ 29.1% |
| Land and buildings22 | - | - | - | €610,436 | €571,693 | ▼ 6.3% |
| Plant, machinery and equipment23 | €28,565 | €28,544 | €19,526 | €74,004 | €324,493 | ▲ 338% |
| Furniture and vehicles24 | €54,826 | €36,937 | €22,532 | €15,996 | €7,950 | ▼ 50.3% |
| Financial fixed assets28 | €1,775 | €1,775 | €5,275 | €5,275 | €5,275 | = |
| Current assets29/58 | €279,550 | €324,437 | €216,283 | €151,853 | €346,008 | ▲ 128% |
| Stocks and contracts in progress3 | €64,235 | €125,772 | €30,926 | €39,221 | €151,165 | ▲ 285% |
| Stocks30/36 | €64,235 | €125,772 | €30,926 | €39,221 | €151,165 | ▲ 285% |
| Amounts receivable within one year40/41 | €195,843 | €189,950 | €168,890 | €102,053 | €58,779 | ▼ 42.4% |
| Trade receivables40 | €195,843 | €186,021 | €163,029 | €19,288 | €49,855 | ▲ 158% |
| Other amounts receivable41 | - | €3,929 | €5,861 | €82,765 | €8,925 | ▼ 89.2% |
| Cash at bank and in hand54/58 | €12,442 | €893 | €11,760 | €10,579 | €136,064 | ▲ 1,186% |
| Deferred charges and accrued income490/1 | €7,030 | €7,822 | €4,707 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €364,716 | €391,693 | €263,616 | €857,564 | €1.3m | ▲ 46.4% |
| Equity10/15 | €112,453 | €90,330 | -€105,445 | -€248,378 | -€179,355 | ▲ 27.8% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Outside capital11 | €18,600 | - | - | - | - | - |
| Other1109/19 | €18,600 | - | - | - | - | - |
| Reserves13 | €88,996 | €88,996 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | €87,136 | €87,136 | - | - | - | - |
| Profit (loss) carried forward14 | €4,857 | -€17,266 | -€125,905 | -€268,838 | -€199,815 | ▲ 25.7% |
| Amounts payable17/49 | €252,263 | €301,363 | €369,061 | €1.1m | €1.4m | ▲ 29.7% |
| Amounts payable after more than one year17 | €39,039 | €24,638 | €9,296 | €349,434 | €578,019 | ▲ 65.4% |
| Financial debts170/4 | €39,039 | €24,638 | €9,296 | €349,434 | €578,019 | ▲ 65.4% |
| Amounts payable within one year42/48 | €211,224 | €263,311 | €358,620 | €756,508 | €856,755 | ▲ 13.3% |
| Current portion of amounts payable after more than one year42 | €18,661 | €14,401 | €14,973 | €26,974 | €34,735 | ▲ 28.8% |
| Financial debts43 | - | €49,600 | €49,772 | €49,772 | - | - |
| Credit institutions430/8 | - | €49,600 | €49,772 | €49,772 | - | - |
| Trade debts44 | €136,152 | €122,280 | €137,064 | €20,608 | €77,129 | ▲ 274% |
| Suppliers440/4 | €136,152 | €122,280 | €137,064 | €20,608 | €77,129 | ▲ 274% |
| Advances received on contracts in progress46 | - | - | - | €2,798 | €62,173 | ▲ 2,122% |
| Taxes, remuneration and social security45 | €46,892 | €69,713 | €119,522 | €13,298 | €15,291 | ▲ 15.0% |
| Taxes450/3 | €16,209 | €41,042 | €51,779 | €1,609 | €1,282 | ▼ 20.3% |
| Remuneration and social security454/9 | €30,683 | €28,671 | €67,743 | €11,689 | €14,009 | ▲ 19.8% |
| Other amounts payable47/48 | €9,519 | €7,317 | €37,289 | €643,058 | €667,427 | ▲ 3.8% |
| Accrued charges and deferred income492/3 | €2,000 | €13,414 | €1,145 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €15,243 | -€22,123 | -€195,775 | -€142,933 | €69,023 | ▲ 148% |
| + Depreciation and write-downs630 | €27,656 | €26,157 | €23,423 | €32,903 | €76,411 | ▲ 132% |
| Operating cash flow (approximation) | €42,899 | €4,034 | -€172,352 | -€110,030 | €145,434 | ▲ 232% |
| Investment in fixed assets (approximation) | - | -€8,247 | -€3,500 | -€691,281 | -€280,112 | ▲ 59.5% |
| Change in cash | - | -€11,549 | €10,867 | -€1,181 | €125,485 | ▲ 10,725% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
07-04
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-09
Financial
Back to profitnet €69,023
Net result €69,023 after 3 loss-making years.
07-04
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
21-05
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 21 days late
2023
30-09
Financial
Weakest financial yearnet -€195,775
Net result drops to -€195,775, the lowest in the series; recovery starts the following year.
02-05
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 2 days late
2022
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
30-09
Financial
Back to profitnet €15,243
Net result €15,243 after 2 loss-making years.
23-04
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
24-04
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
03-04
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
27-04
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
07-04
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Amay · 1 establishment unit since 2010
Ground area
1.6 ha
Building footprint
387 m²
Volume, LiDAR
4,322 m³
2 parcels, Wallonia · tallest building 15.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Garage R. JONET
since 20102.185.310.030
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61003A3121/00A000 | Wallonia | 1.3 ha | 1 · 199 m² | 15.1 m · 4 fl. |
| 61011B0081/00B002 | Wallonia | 3,180 m² | 1 · 188 m² | 13.2 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
2 ownersOwners 2
- Marie-France BOLLINNEnatural personSourceown accounts 30-09-202250%
- René JONETnatural personSourceown accounts 30-09-202250%
Holdings 0
The accounts to 30-09-2022 list no holdings, and no other source names one.
According to the annual accounts to 30-09-2022 of COMGER and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Recognitions · licences · registrations
Food safety, FASFC
1 siteVerlaine2.185.310.030
Similar companies · same sector, comparable size
BASECLES PETROLEUM
BE 0774.943.490
Beloeil · Eq €90,198
A TEAM BELGIUM
BE 0793.658.552
Gent · Eq €90,647
BROOS JP
BE 0728.986.870
Spa · Eq €89,954
PAESEN SIEBE
BE 0780.608.983
Bree · Eq €89,697
ANDIL
BE 0862.271.305
Etterbeek · Eq €89,467
Of 1,265 companies in sector 47300 we hold annual accounts for 951. 785 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded14-01-2010
Fiscal year end30-09
Activities, NACEBEL 2025
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
47300Retail sale of automotive fuel
47789Other retail sale of new goods
Contact
Phone
019-569056Verlaine
Fax
019-569056Verlaine
E-invoicing
Reachable via Peppol
Peppol ID
0208:0822273651
Registered
27-03-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.