COMISO
ActiveSummary
The computed 12-month bankruptcy probability of COMISO is 2.1% (moderate). The 2024 annual accounts show equity of €82,458 and a net result of €28,481. Equity is growing by ~55.7% per year across the filed fiscal years. Its solvency ranks better than 85% of 18930 sector peers (fiscal year 2024). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability99▲+6
Solvency96▲+13
Growth60=
Track record100
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,500 at 30 days only on tighter terms
Liquidity ample (current ratio 2.67 against 2.05 in 2023; short-term debt: 28.8% and cash: 46% of total assets), and 28.8% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-12-2025, 146 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
2024
146 d late
2023
72 d late
2022
126 d late
2021
72 d late
2020
16 d late
2019
122 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 92 days after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 52% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Turnover
€199,148▲ 9.9%
2022 · €181,165
EBIT margin
15.1%▲ 9.3pp
2022 · 5.9%
Net result
€28,481▲ 34.7%
2023 · €21,137
Working capital
€55,905▲ 39.1%
2023 · €40,192
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Turnover€128,043▼ 40.9%€166,431▲ 30.0%€181,165▲ 8.9%€199,148▲ 9.9%
Operating result€8,896€14,752▲ 65.8%€10,599▼ 28.1%€30,084▲ 184%€39,341▲ 30.8%
Net result€6,625€10,207▲ 54.1%€7,306▼ 28.4%€21,137▲ 189%€28,481▲ 34.7%
EBIT margin6.9%▲ 8.1pp8.9%▲ 1.9pp5.9%▼ 3.0pp15.1%▲ 9.3pp
Equity€15,327▲ 76.1%€25,527▲ 66.6%€32,840▲ 28.6%€53,977▲ 64.4%€82,458▲ 52.8%
Total assets€30,273▲ 79.1%€44,377▲ 46.6%€58,043▲ 30.8%€92,284▲ 59.0%€115,869▲ 25.6%
Debt€14,946▲ 82.3%€18,850▲ 26.1%€25,203▲ 33.7%€38,307▲ 52.0%€33,411▼ 12.8%
Working capital-€1,334€10,764€16,942▲ 57.4%€40,192▲ 137%€55,905▲ 39.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 31% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €115,869
Fixed assets
€26,553 ▲ 92.6%
Current assets
€89,316 ▲ 13.8%
Equity and liabilities €115,869
Equity
€82,458 ▲ 52.8%
Debt
€33,411 ▼ 12.8%
Debt's share of the balance-sheet total falls from 41.5% to 28.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€42,233▲
2023 · €32,197
Cash flow
€31,373▲
2023 · €23,250
Current ratio
2.67▲
2023 · 2.05
Quick ratio
2.65▲
2023 · 2.03
Debt to equity
0.41▼
2023 · 0.71
ROE
34.5%▼
2023 · 39.2%
ROA
24.6%▲
2023 · 22.9%
Interest coverage
61.67▲
2023 · 47.60
Debt ≤ 1 year
€33,411▼
2023 · €38,307
Income taxes
€12,170▲
2023 · €9,594
Staff costs
€21,819▲
2023 · €19,169
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,964 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.5%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 2.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 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% | 1.6% |
| 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 74% 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 26,964 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 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €128,043 | €166,431 | €181,165 | €199,148 | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | €132,367 | €140,312 | €143,000 | - | - |
| Remuneration, social security and pensions62 | - | €13,761 | €25,386 | €19,169 | €21,819 | ▲ 13.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €763 | €1,898 | €1,766 | €2,113 | €2,892 | ▲ 36.9% |
| Other operating charges640/8 | - | €3,654 | €3,102 | €4,781 | €3,721 | ▼ 22.2% |
| Non-recurring operating charges66A | - | - | €1 | - | - | - |
| Gross operating margin9900 | €24,644 | €34,065 | €40,853 | €56,148 | €67,773 | ▲ 20.7% |
| Operating profit (loss)9901 | €8,896 | €14,752 | €10,599 | €30,084 | €39,341 | ▲ 30.8% |
| Financial income75/76B | - | €6 | €1,288 | €1,323 | €1,995 | ▲ 50.8% |
| Recurring financial income75 | €5 | €6 | €1,288 | €1,323 | €1,995 | ▲ 50.8% |
| Financial charges65/66B | - | €943 | €991 | €676 | €685 | ▲ 1.2% |
| Recurring financial charges65 | €683 | €943 | €991 | €676 | €685 | ▲ 1.2% |
| Profit (loss) for the period before taxes9903 | €8,218 | €13,814 | €10,896 | €30,731 | €40,651 | ▲ 32.3% |
| Income taxes67/77 | €1,593 | €3,607 | €3,590 | €9,594 | €12,170 | ▲ 26.9% |
| Profit (loss) for the period9904 | €6,625 | €10,207 | €7,306 | €21,137 | €28,481 | ▲ 34.7% |
| Profit (loss) for the period to be appropriated9905 | €6,625 | €10,207 | €7,306 | €21,137 | €28,481 | ▲ 34.7% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €30,273 | €44,377 | €58,043 | €92,284 | €115,869 | ▲ 25.6% |
| Fixed assets21/28 | €16,662 | €14,763 | €15,898 | €13,785 | €26,553 | ▲ 92.6% |
| Tangible fixed assets22/27 | €12,099 | €10,200 | €11,335 | €9,222 | €21,990 | ▲ 138% |
| Plant, machinery and equipment23 | - | €716 | €631 | €546 | €461 | ▼ 15.6% |
| Furniture and vehicles24 | - | €3,427 | €4,797 | €2,918 | €1,040 | ▼ 64.4% |
| Leasing and similar rights25 | - | - | - | - | €14,881 | - |
| Other tangible fixed assets26 | - | €6,058 | €5,908 | €5,758 | €5,608 | ▼ 2.6% |
| Financial fixed assets28 | €4,563 | €4,563 | €4,563 | €4,563 | €4,563 | = |
| Current assets29/58 | €13,611 | €29,614 | €42,145 | €78,499 | €89,316 | ▲ 13.8% |
| Stocks and contracts in progress3 | - | - | - | €673 | €823 | ▲ 22.3% |
| Stocks30/36 | - | - | - | €673 | €823 | ▲ 22.3% |
| Amounts receivable within one year40/41 | €3,336 | €13,643 | €21,424 | €29,909 | €33,830 | ▲ 13.1% |
| Trade receivables40 | - | - | - | €2,662 | - | - |
| Other amounts receivable41 | - | €13,643 | €21,424 | €27,247 | €33,830 | ▲ 24.2% |
| Cash at bank and in hand54/58 | €10,275 | €15,971 | €20,721 | €47,360 | €53,279 | ▲ 12.5% |
| Deferred charges and accrued income490/1 | - | - | - | €558 | €1,385 | ▲ 148% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €30,273 | €44,377 | €58,043 | €92,284 | €115,869 | ▲ 25.6% |
| Equity10/15 | €15,327 | €25,527 | €32,840 | €53,977 | €82,458 | ▲ 52.8% |
| Contributions10/11 | €12,400 | €12,393 | €12,400 | €12,400 | €12,400 | = |
| Profit (loss) carried forward14 | €2,927 | €13,134 | €20,440 | €41,577 | €70,058 | ▲ 68.5% |
| Amounts payable17/49 | €14,946 | €18,850 | €25,203 | €38,307 | €33,411 | ▼ 12.8% |
| Amounts payable within one year42/48 | €14,946 | €18,850 | €25,203 | €38,307 | €33,411 | ▼ 12.8% |
| Trade debts44 | €7,660 | €8,519 | €8,231 | €7,823 | €7,243 | ▼ 7.4% |
| Suppliers440/4 | - | €8,519 | €8,231 | €7,823 | €7,243 | ▼ 7.4% |
| Taxes, remuneration and social security45 | - | €6,299 | €12,940 | €26,453 | €26,168 | ▼ 1.1% |
| Taxes450/3 | - | €4,029 | €7,232 | €16,826 | €25,576 | ▲ 52.0% |
| Remuneration and social security454/9 | - | €2,270 | €5,708 | €9,626 | €591 | ▼ 93.9% |
| Other amounts payable47/48 | - | €4,032 | €4,032 | €4,032 | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €6,625 | €10,207 | €7,306 | €21,137 | €28,481 | ▲ 34.7% |
| + Depreciation and write-downs630 | €763 | €1,898 | €1,766 | €2,113 | €2,892 | ▲ 36.9% |
| Operating cash flow (approximation) | €7,388 | €12,105 | €9,072 | €23,250 | €31,373 | ▲ 34.9% |
| Investment in fixed assets (approximation) | - | €0 | -€2,900 | €0 | -€15,660 | - |
| Change in cash | - | €5,696 | €4,749 | €26,640 | €5,918 | ▼ 77.8% |
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
2025
24-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 146 days late
2024
31-12
Financial
Highest result since 2019net €28,481 ▲34.7%
Operating result €39,341, net result €28,481, both a record.
11-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 72 days late
2023
04-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 126 days late
2022
11-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 72 days late
2021
16-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 16 days late
2020
31-12
Financial
Back to profitnet €6,625
Net result €6,625 after one loss-making year.
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 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, Dison · 1 establishment unit since 2018
Ground area
351 m²
Parcel 63020B0027/00P002, Wallonia. Linked by address, not a title deed.
1 establishment unit
COMISO
since 20182.278.354.608
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63020B0027/00P002 | Wallonia | 351 m² | - | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteDison2.278.354.608
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Of 20,506 companies in sector 56111 we hold annual accounts for 11,454. 9,740 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 (pre-2019)
Founded06-07-2018
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0699699305
Registered
18-03-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.