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COMITIS

Active
Private limited companyfounded 20232 yrs activeEn Hayeneux 177, 4040 Herstal, BelgiumKBO/BCE: BE 1002.245.966
Summary

The computed 12-month bankruptcy probability of COMITIS is 2.7% (moderate). The 2025 annual accounts show equity of €18,158 and a net result of €10,281. Equity is growing by ~119.8% per year across the filed fiscal years. The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record82
Bankruptcy probability, 12 months
2.7% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity ample (current ratio 5.64 against 3.92 in 2024; short-term debt: 16.2% and cash: 83.3% of total assets), and 16.2% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
83.8%
Return on assets
47.4%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
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 11-06-2026, 50 days ahead of the deadline.
NBB · 3 filings
Deviation from the deadline
2025
50 d early
2024
43 d early
2023
58 d early
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 3 accounts on average 50 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (2)
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 months
Position in the running window
26-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

COMITIS was incorporated on 14 November 2023 as a Private limited company.1 Total assets rose from EUR 3,500 in 2023 to EUR 21,673 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2023 and 2025

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Financials · fiscal year 2025, micro schema

Equity
€18,158▲ 108%
2024 · €8,710
Total assets
€21,673▲ 91.9%
2024 · €11,296
Net result
€10,281▼ 16.3%
2024 · €12,282
Working capital
€16,327▲ 116%
2024 · €7,557
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
Line202320242025
Operating result-€3,212-€17,861€15,589▼ 12.7%
Net result-€3,212-€12,282€10,281▼ 16.3%
Equity-€2,712-€8,710€18,158▲ 108%
Total assets€3,500-€11,296▲ 223%€21,673▲ 91.9%
Debt€6,213-€2,586▼ 58.4%€3,515▲ 36.0%
Working capital-€2,712-€7,557€16,327▲ 116%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€10,000€0€10,000€20,000Operating result 2023: -€3,212-€3,212Net result 2023: -€3,212-€3,212Operating result 2024: €17,861€17,861Net result 2024: €12,282€12,282Operating result 2025: €15,589€15,589Net result 2025: €10,281€10,281202320242025-€10,000€0€10,000€20,000Operating result 2023: -€3,212-€3,210Net result 2023: -€3,212-€3,210Operating result 2024: €17,861€17,900Net result 2024: €12,282€12,300Operating result 2025: €15,589€15,600Net result 2025: €10,281€10,300202320242025
The operating result falls in 2025; 2025 is 13% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €21,673
Fixed assets €1,831 ▲ 58.8%
Current assets €19,842 ▲ 95.6%
Equity and liabilities €21,673
Equity €18,158 ▲ 108%
Debt €3,515 ▲ 36.0%
Debt's share of the balance-sheet total falls from 22.9% to 16.2%. Equity and debt are higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
€16,078▼
2024 · €17,937
Cash flow
€10,770▼
2024 · €12,358
Current ratio
5.64▲
2024 · 3.92
Debt to equity
0.19▼
2024 · 0.30
ROE
56.6%▼
2024 · 141.0%
ROA
47.4%▼
2024 · 108.7%
Interest coverage
7.56▲
2024 · 6.63
Debt ≤ 1 year
€3,515▲
2024 · €2,586
Income taxes
€3,201▲
2024 · €2,877
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 35 lines
Balance sheet Code20242025
Assets
Total assets20/58€11,296€21,673▲
Fixed assets21/28€1,153€1,831▲
Tangible fixed assets22/27€1,153€1,831▲
Furniture and vehicles24€1,153€1,831▲
Current assets29/58€10,143€19,842▲
Amounts receivable within one year40/41€94€288▲
Other amounts receivable41€94€288▲
Cash at bank and in hand54/58€9,573€18,047▲
Deferred charges and accrued income490/1€476€1,507▲
Equity and liabilities
Total equity and liabilities10/49€11,296€21,673▲
Equity10/15€8,710€18,158▲
Contributions10/11€500€500=
Profit (loss) carried forward14€8,210€17,658▲
Amounts payable17/49€2,586€3,515▲
Amounts payable within one year42/48€2,586€3,515▲
Trade debts44€1,198€1,799▲
Suppliers440/4€1,198€1,799▲
Taxes, remuneration and social security45€528€883▲
Taxes450/3€528€883▲
Other amounts payable47/48€859€833▼
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€76€490▲
Gross operating margin9900€17,937€16,078▼
Operating profit (loss)9901€17,861€15,589▼
Financial income75/76B€2€20▲
Recurring financial income75€2€20▲
Financial charges65/66B€2,705€2,127▼
Recurring financial charges65€2,705€2,127▼
Profit (loss) for the period before taxes9903€15,159€13,482▼
Income taxes67/77€2,877€3,201▲
Profit (loss) for the period9904€12,282€10,281▼
Profit (loss) for the period to be appropriated9905€12,282€10,281▼
Appropriation of the result
Profit (loss) to be appropriated9906€9,069€18,491▲
Profit (loss) brought forward from the previous period14P-€3,212€8,210▲
Profit to be distributed694/7€859€833▼
Return on contributions (dividend)694€859€833▼

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€76€490▲ 543%
Gross operating margin9900-€3,212€17,937€16,078▼ 10.4%
Operating profit (loss)9901-€3,212€17,861€15,589▼ 12.7%
Financial income75/76B-€2€20▲ 721%
Recurring financial income75-€2€20▲ 721%
Financial charges65/66B-€2,705€2,127▼ 21.4%
Recurring financial charges65-€2,705€2,127▼ 21.4%
Profit (loss) for the period before taxes9903-€3,212€15,159€13,482▼ 11.1%
Income taxes67/77-€2,877€3,201▲ 11.3%
Profit (loss) for the period9904-€3,212€12,282€10,281▼ 16.3%
Profit (loss) for the period to be appropriated9905-€3,212€12,282€10,281▼ 16.3%
Line202320242025Change
Assets
Total assets20/58€3,500€11,296€21,673▲ 91.9%
Fixed assets21/28-€1,153€1,831▲ 58.8%
Tangible fixed assets22/27-€1,153€1,831▲ 58.8%
Furniture and vehicles24-€1,153€1,831▲ 58.8%
Current assets29/58€3,500€10,143€19,842▲ 95.6%
Amounts receivable within one year40/41-€94€288▲ 207%
Other amounts receivable41-€94€288▲ 207%
Cash at bank and in hand54/58€3,500€9,573€18,047▲ 88.5%
Deferred charges and accrued income490/1-€476€1,507▲ 216%
Equity and liabilities
Total equity and liabilities10/49€3,500€11,296€21,673▲ 91.9%
Equity10/15-€2,712€8,710€18,158▲ 108%
Contributions10/11€500€500€500=
Profit (loss) carried forward14-€3,212€8,210€17,658▲ 115%
Amounts payable17/49€6,213€2,586€3,515▲ 36.0%
Amounts payable within one year42/48€6,213€2,586€3,515▲ 36.0%
Trade debts44€591€1,198€1,799▲ 50.1%
Suppliers440/4€591€1,198€1,799▲ 50.1%
Taxes, remuneration and social security45-€528€883▲ 67.3%
Taxes450/3-€528€883▲ 67.3%
Other amounts payable47/48€5,622€859€833▼ 3.0%
Line202320242025Change
Profit (loss) for the period9904-€3,212€12,282€10,281▼ 16.3%
+ Depreciation and write-downs630-€76€490▲ 543%
Operating cash flow (approximation)-€3,212€12,358€10,770▼ 12.8%
Investment in fixed assets (approximation)---€1,168-
Change in cash-€6,072€8,474▲ 39.5%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
11-06
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
18-06
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial Back to profitnet €12,282
Net result €12,282 after one loss-making year.
31-12
Financial Liquidity times 7current ratio 3.92
Current ratio from 0.56 to 3.92; short-term debt falls from €6,213 to €2,586.
03-06
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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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, Herstal · 1 establishment unit since 2023
seat establishment The establishment unit on the map
Ground area
176 m²
Building footprint
50 m²
Volume, LiDAR
528 m³
Parcel 62051D1836/00F000, Wallonia · tallest building 12.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
COMITIS
En Hayeneux 177, 4040 HerstalInsurance agents and brokers
since 20232.352.028.680
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
62051D1836/00F000 Wallonia 176 m² 1 · 50 m² 12.5 m · 4 fl.
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.

Identification & contact

Identification
Legal formPrivate limited company
Founded14-11-2023
Fiscal year end31-12

Scores and ratios are computed by Checked and are not a credit decision.