The higher the Checked score (0 to 100), the smaller the chance that the company goes bankrupt within twelve months. That chance sets the band, from Critical to Excellent, and within the band how the company does against its sector peers counts too. With a low score, agree a shorter payment term, an advance or security.
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Bankruptcy probability within 12 months
Bankruptcy probability
It is the chance that the company goes bankrupt within twelve months, estimated from the registers, the annual accounts and the Belgian Official Gazette. At 0.2%, about 2 in 1,000 comparable companies go bankrupt. The higher it is, the shorter the payment term to agree.
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Financial strength
Financial strength
Financial strength measures the balance sheet and the results with three figures out of 100 from the latest annual accounts: solvency, liquidity and profitability. It does not directly set the Checked score's band. How the company does against its sector peers on these and on growth does count for its place within the band.
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Score breakdown
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Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as COMITIS has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Micro
2 to 5 years old
solvency 30% or more
a profit of 5% of the balance sheet or more
Another 0.1% stopped without a precise date, possibly only after those two years.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
The companies in ten equal groups, from the lowest to the highest expected share
Group
Expected
Actual
1
0.2%
0.2%
2
0.3%
0.5%
3
0.5%
0.6%
4
0.7%
0.8%
5
0.9%
0.9%
6
1.3%
1.5%
7
1.6%
1.8%
8
1.8%
1.8%
9
3.0%
3.1%
10
5.6%
6.2%
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for COMITIS. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit verdict
The credit verdict says how much credit you can give the company on open account. “Acceptable” means normal terms, “With conditions” means limiting the amount or the term. “Not advised” means asking for payment up front.
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Credit check for an amount and term of your choice
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1002245966
Incorporation
Founding capital of €500 · Founder: Name hiddenVisible after signing in (comparant) · Appointment: Hidden nameVisible after signing in (director) · published on 17-11-2023 · Gazette deed
“Toutes fonctions de consultance et/ou de services,dans le domaine de l’assurance,du crédit,du commercial,du marketing,de…” (deed in French)From the articles, 5 activitiesNo NACE code in the KBO yet
micro format, filed on 11-06-2026, 50 days before the deadline
Abbreviated and micro format
Small companies may file abbreviated or micro-format accounts. They often leave out revenue and other detail. The law allows it, so it is not missing data.
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).
A company files its annual accounts with the National Bank no later than seven months after its financial year ends. Repeated late filing is a warning sign.
per financial year, computed from the annual accounts
Line
Trend
2025
2024
2023
16,078
17,937
-
10,770
12,358
-
1,168
1,229
-
8,474
6,072
-
16,327
7,557
-2,712
83.8%
77.1%
-
5.64
3.92
-
0.19
0.30
-
56.6%
141.0%
-
47.4%
108.7%
-
7.56
6.63
-
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired
Investment
Investment is what the company bought in the financial year in buildings, machinery, software and other fixed assets. Above depreciation, it is building up. Years below it, it is living off what it has.
Item
2025
2024
2023
Tangible fixed assets
€1,168
€1,229
-
€490
€76
-
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
Insights on COMITIS
The operating result for 2025 is 13% lower than in 2024.
Debt's share of the balance-sheet total falls from 22.9% to 16.2%. Equity and debt are higher.
Board & ownership
Board
Directors
Many board changes in a short time are a reason to keep a close eye on the company.
Each bar is one period in a role, from appointment to resignation or to today. An open left edge means the mandate began before its first mention. An open right edge means the mandate ended without a stated end date.
1 name, the dashed line is today
202320242025202620272028
Name hiddenVisible after signing in Director (not named in the articles)
Board
Mandates as a list
Hidden nameVisible after signing in
Director (not named in the articles), from 14-11-2023 to date
Name after signing inVisible after signing insole founder · 100% at incorporation
Network & group
No group
COMITIS has no parent and no holdings in its annual accounts. Name hiddenVisible after signing in is the only director. COMITIS shares no director with another company.
Timeline
Timeline
8 events since 2023
Filings
Financial
Establishments
2023202420252026
Deadline for the 2026 accounts:
31-07-2027
2026
Annual accounts 2025 filedPDFmicro format · 50 days before the deadline
2025
Annual accounts 2024 filedPDFmicro format · 43 days before the deadline
2024
Back to profitnet €12,282 The net result is €12,282, after one loss-making year.
Liquidity more than 6 timescurrent ratio 3.92 The current ratio rises from 0.56 to 3.92. Short-term debt falls from €6,213 to €2,586.
Annual accounts 2023 filedPDFmicro format · 58 days before the deadline
2023
Registered in the Peppol Directory Reachable for e-invoices through 0208:1002245966
IncorporationFounding capital of €500 · Founder: Name after signing inVisible after signing in (comparant) · Appointment: Name hiddenVisible after signing in (director) · published on 17-11-20236 points ▸
Founder, Hidden nameVisible after signing in (comparant)
Founding capital, €500
100 shares
Registered office clause, En Hayeneux 177, 4040 Herstal
Director appointment, Name after signing inVisible after signing in (director (not named in the articles))
Permanent representative, Name hiddenVisible after signing in
Each sentence rests on a document from the KBO register, the Belgian Official Gazette or the National Bank. The number after the sentence opens that document.
COMITIS was incorporated on 14 November 2023 as a private limited company by one natural person, with a starting capital of €500.12Since 2023, Hidden nameVisible after signing in has served as director.3Total assets rose from €3,500 in 2023 to €21,673 in 2025.4
PurposeThe purpose describes the activities the company may carry out under its articles.
“Toutes fonctions de consultance et/ou de services,dans le domaine de l’assurance,du crédit,du commercial,du marketing,de l’opérationnel,de…”
5 activities
Toutes fonctions de consultance et/ou de services,dans le domaine de l’assurance,du crédit,du commercial,du marketing,de l’opérationnel,de l’organisationnel,de l’informatique et de la communication ;
Toutes opérations de courtage,notamment en assurances,financements,prêts personnels et hypothécaires,leasing et autres.Elle pourra également prester toutes formes de conseils dans ces domaines ;
La gestion au sens large de toutes sociétés commerciales,industrielles,financières,mobilières ou immobilières,ainsi que le contrôle de leur gestion ou la participation de celle-ci par la prise de tous mandats au sein desdites sociétés ;
La gestion de patrimoine immobilier,l’achat et la vente de la pleine propriété ou de droits réels,d’immeubles,neufs ou d’occasion,bâtis ou non bâtis,la location (comme bailleur ou preneur),le leasing immobilier,l’emphytéose ou la constitution de droit de superficie,de et sur tous biens immobiliers sis en Belgique ou à l’étranger et ce pour son propre compte.Ces opérations pourront également être accomplies par la société en vue d’y établir son siège social,un siège d’exploitation ou d’y loger ses dirigeants,tant à titre principal qu’à titre de résidence secondaire ;
La représentation et l’intervention en tant qu’intermédiaire commercial.