Comm-inter
ActiveSummary
Comm-inter has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €50,341 and a net result of €7,965. Equity has been growing by about 35% per year since 2022. Its solvency ranks better than 67% of 818 sector peers (NACE 74, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 07-02-2022 Normal situation
- Activity
- Translation services NACE 74301and 2 others
- Establishment unit
- 2.327.590.026 2980 Zoersel, since 07-02-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 12-11-2025
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.1%
Annual accounts 2025
- Gross margin
- €13,469
- ▼ 41.4%
- Turnover
- ≈ €95,000
- estimated
- Profit
- €7,965
- ▼ 45.9%
- Equity
- €50,341
- ▲ 18.8%
- Total assets
- €81,948
- ▲ 8.2%
Score breakdownlowers riskLiquidity: current ratio 2.50, cash €42,746Sector: Other professional, scientific and technical activities (NACE 74)Equity €50,341 (61.4% of total assets)Figures for financial year 2025 (filed on 09-07-2026)Show the evidence
Checked score
Score 2025
96
/ 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 64% of micro companies in other professional activities (NACE 74)
Financial strength · tick: 2024
Strong
Solvency
86+5
equity 61.4% of total assets
Liquidity
82+3
short-term debt 38.6% · cash 52.2%
Profitability
81-12
return on assets 9.7%
Bankruptcy probability within 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.2%▲ +0.1 percentage points vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.2%● unchanged vs 06-2025highest value
08-2025: 0.1%▼ -0.1 percentage points vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: < 0.1%▼ -0.1 percentage points vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025lowest value
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: 0.1%▲ +0.1 percentage points vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Credit of up to €4,500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.5 (2.17 in 2024), above the usual 1.5. Short-term debt is 38.6% and cash 52.2% of total assets. 38.6% of the assets are financed with debt and provisions.
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 74, micro). It does better than 63% of them on solvency, 74% on liquidity, 54% on profitability and 65% on growth.
The bankruptcy probability was computed on 02-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskneutral
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 09-07-2026, 22 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
22 days early
2024
9 days early
2023
14 days late
2022
13 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 8 days before the deadline. In the sector (NACE 74), the median for financial year 2024 was 3 days before the deadline, and 38% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 20 July (4 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
03-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
Financials · financial year 2025, abbreviated format
Annual accounts 2025 filed on 09-07-2026 at the NBB all 4 filings
Turnover
≈ €95,000
Estimated: probably between €43,000 and €200,000
Total assets
€81,948▲ 8.2%
2024 · €75,742
Net result
€7,965▼ 45.9%
2024 · €14,729
Working capital
€47,465▲ 21.6%
2024 · €39,047
Multi-year overview
2022 to 2025, 4 financial yearsOperating result
€12,719
▼ 41.3%
2025
20222025
Net result
€7,965
▼ 45.9%
2025
middle half of the sector
20222025
Equity
€50,341
▲ 18.8%
2025
middle half of the sector
20222025
Total assets
€81,948
▲ 8.2%
2025
lowest quarter of the sector
20222025
Debt
€31,608
▼ 5.3%
2025
20222025
Working capital
€47,465
▲ 21.6%
2025
middle half of the sector
20222025
Solvency
61.4%
▲ 5.5pp
2025
middle half of the sector
20222025
Current ratio
2.50
▲ 0.33
2025
middle half of the sector
20222025
Return on assets (ROA)
9.7%
▼ 9.7pp
2025
middle half of the sector
20222025
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line2022202320242025
Operating result€15,650-€17,827▲ 13.9%€21,663▲ 21.5%€12,719▼ 41.3%
Net result€11,075within the sector's middle half-€12,571within the sector's middle half▲ 13.5%€14,729within the sector's middle half▲ 17.2%€7,965within the sector's middle half▼ 45.9%
Equity€15,075within the sector's middle half-€27,646within the sector's middle half▲ 83.4%€42,375within the sector's middle half▲ 53.3%€50,341within the sector's middle half▲ 18.8%
Total assets€42,537below the sector's middle half-€66,099within the sector's middle half▲ 55.4%€75,742within the sector's middle half▲ 14.6%€81,948below the sector's middle half▲ 8.2%
Debt€27,462-€38,453▲ 40.0%€33,367▼ 13.2%€31,608▼ 5.3%
Working capital€5,524within the sector's middle half-€23,865within the sector's middle half▲ 332%€39,047within the sector's middle half▲ 63.6%€47,465within the sector's middle half▲ 21.6%
Solvency35.4%within the sector's middle half-41.8%within the sector's middle half▲ 6.4pp55.9%within the sector's middle half▲ 14.1pp61.4%within the sector's middle half▲ 5.5pp
Current ratio1.20within the sector's middle half-1.62within the sector's middle half▲ 0.422.17within the sector's middle half▲ 0.552.50within the sector's middle half▲ 0.33
Return on assets (ROA)26.0%above the sector's middle half-19.0%within the sector's middle half▼ 7.0pp19.4%within the sector's middle half▲ 0.4pp9.7%within the sector's middle half▼ 9.7pp
above
within
below
The sector band is the middle half of the companies in Other professional, scientific and technical activities (NACE 74). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The operating result for 2025 is 41% lower than in 2024 and the lowest since 2022.
Turnover and EBIT margin are not published. The abbreviated or micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €81,948
Fixed assets
€2,875 ▼ 13.6%
Current assets
€79,073 ▲ 9.2%
Equity and liabilities €81,948
Equity
€50,341 ▲ 18.8%
Debt
€31,608 ▼ 5.3%
Debt's share of the balance-sheet total falls from 44.1% to 38.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€13,172▼
2024 · €22,116
Cash flow
€8,418▼
2024 · €15,182
Debt to equity
0.63▼
2024 · 0.79
ROE
15.8%▼
2024 · 34.8%
Interest coverage
99.12▼
2024 · over 100
Debt ≤ 1 year
€31,608▼
2024 · €33,367
Income taxes
€5,127▼
2024 · €6,992
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Investments
| Item | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Tangible fixed assets | €13,661 | - | - | - |
| Depreciation and write-downs of the year | €4,110 | €453 | €453 | €453 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €3,054 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,110 | €453 | €453 | €453 | = |
| Other operating charges640/8 | €700 | €2,042 | €875 | €297 | ▼ 66.1% |
| Gross operating margin9900 | €20,461 | €20,322 | €22,991 | €13,469 | ▼ 41.4% |
| Operating profit (loss)9901 | €15,650 | €17,827 | €21,663 | €12,719 | ▼ 41.3% |
| Financial income75/76B | €58 | - | €127 | €507 | ▲ 300% |
| Recurring financial income75 | €58 | - | €127 | €507 | ▲ 300% |
| Financial charges65/66B | - | €67 | €69 | €133 | ▲ 92.9% |
| Recurring financial charges65 | - | €67 | €69 | €133 | ▲ 92.9% |
| Profit (loss) for the period before taxes9903 | €15,708 | €17,760 | €21,721 | €13,093 | ▼ 39.7% |
| Income taxes67/77 | €4,634 | €5,189 | €6,992 | €5,127 | ▼ 26.7% |
| Profit (loss) for the period9904 | €11,075 | €12,571 | €14,729 | €7,965 | ▼ 45.9% |
| Profit (loss) for the period to be appropriated9905 | €11,075 | €12,571 | €14,729 | €7,965 | ▼ 45.9% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €42,537 | €66,099 | €75,742 | €81,948 | ▲ 8.2% |
| Fixed assets21/28 | €9,551 | €3,781 | €3,328 | €2,875 | ▼ 13.6% |
| Tangible fixed assets22/27 | €9,551 | €3,781 | €3,328 | €2,875 | ▼ 13.6% |
| Plant, machinery and equipment23 | €4,234 | €3,781 | €3,328 | €2,875 | ▼ 13.6% |
| Furniture and vehicles24 | €5,317 | - | - | - | - |
| Current assets29/58 | €32,986 | €62,318 | €72,414 | €79,073 | ▲ 9.2% |
| Amounts receivable within one year40/41 | €13,129 | €29,709 | €15,640 | €28,681 | ▲ 83.4% |
| Trade receivables40 | €13,129 | €29,709 | €15,640 | €28,681 | ▲ 83.4% |
| Current investments50/53 | - | - | €1,000 | €7,000 | ▲ 600% |
| Cash at bank and in hand54/58 | €19,727 | €32,030 | €55,161 | €42,746 | ▼ 22.5% |
| Deferred charges and accrued income490/1 | €130 | €580 | €613 | €646 | ▲ 5.5% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €42,537 | €66,099 | €75,742 | €81,948 | ▲ 8.2% |
| Equity10/15 | €15,075 | €27,646 | €42,375 | €50,341 | ▲ 18.8% |
| Contributions10/11 | €4,000 | €4,000 | €4,000 | €4,000 | = |
| Reserves13 | €11,075 | €23,646 | €38,375 | €46,341 | ▲ 20.8% |
| Distributable reserves133 | €11,075 | €23,646 | €38,375 | €46,341 | ▲ 20.8% |
| Amounts payable17/49 | €27,462 | €38,453 | €33,367 | €31,608 | ▼ 5.3% |
| Amounts payable within one year42/48 | €27,462 | €38,453 | €33,367 | €31,608 | ▼ 5.3% |
| Trade debts44 | €2,620 | €4,204 | €2,534 | €1,680 | ▼ 33.7% |
| Suppliers440/4 | €2,620 | €4,204 | €2,534 | €1,680 | ▼ 33.7% |
| Taxes, remuneration and social security45 | €5,831 | €12,998 | €11,028 | €13,063 | ▲ 18.4% |
| Taxes450/3 | €5,831 | €12,998 | €11,028 | €13,063 | ▲ 18.4% |
| Other amounts payable47/48 | €19,011 | €21,252 | €19,805 | €16,866 | ▼ 14.8% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €11,075 | €12,571 | €14,729 | €7,965 | ▼ 45.9% |
| + Depreciation and write-downs630 | €4,110 | €453 | €453 | €453 | = |
| Operating cash flow (approximation) | €15,185 | €13,024 | €15,182 | €8,418 | ▼ 44.6% |
| Investment in fixed assets (approximation) | - | €5,317 | €0 | €0 | - |
| Change in cash | - | €12,303 | €23,131 | -€12,416 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 39,278 companies had the same profile as Comm-inter has now. Two years later, 95.8% were still going and 1.8% had gone bankrupt.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
95.8%
was still going
2.3%
stopped otherwise
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Comm-inter itself is lower: 0.1% within 12 months. It rests on far more data about Comm-inter than the profile alone.
Test of the method
The method was tested on the 497,446 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.
| 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 Comm-inter. 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.
Board & ownership
Directors
Directors
1 director, no change since 2022
DE LAET Lydia Sandra Reinhilde Louisette
Current
Director (not named in the articles) · appointed in the act of 09-02-2022 · term without a fixed end
Signing authorityThe articles say who may bind the company, for example by signing a contract.
“Artikel 13. Bevoegdheden van het bestuursorgaan Eén bestuurder Als er slechts één bestuurder is, is het geheel van de bevoegdheden van de…”
deed of 09-02-2022Owners and capital
Owners
Articles of association
Capital, shares and profit
- Kind of sharesThe articles set which classes of shares exist and what rights each class carries.
- “Register van aandelen op naam overeenkomstig wettelijke bepalingen,ter inzage aandeelhouders,kan elektronisch, vruchtgebruiker en blote…”
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Voor helft ten laste overdrager en voor andere helft ten laste koper(s) naar evenredigheid verworven aantal bij meer kopers, nietigheid”
- Share issue ruleThe articles set how and by whom new shares are issued.
- “Ten minste vijftien dagen te rekenen van dag openstelling intekening, Inbreng in geld met uitgifte van nieuwe aandelen – Recht van voorkeur”
Audit, dissolution and liquidation
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one.
- No statutory auditor
Articles of association, deed of 09-02-2022 (in Dutch)
Network & group
Comm-inter shares no director with another company.
Connections & network
1 current directorThe network starts from the directors of Comm-inter. Every other company they run is a node.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2026
09-07
abbreviated format · 22 days before the deadline
2025
31-12
Financial
Weakest financial yearnet €7,965 ▼45.9%
The net result drops to €7,965, the lowest from 2022 to 2025.
22-07
micro format · 9 days before the deadline
2024
31-12
Financial
Highest result from 2022 to 2025net €14,729 ▲17.2%
The operating result of €21,663 and the net result of €14,729 are both a record.
14-08
micro format · 14 days late
2023
18-07
micro format · 13 days before the deadline
2022
09-02
Gazette deed
IncorporationAppointment: DE LAET Lydia Sandra Reinhilde Louisette (director) · Founder · Founding capital9 points ▸
Gazette deed
Incorporation
Appointment: DE LAET Lydia Sandra Reinhilde Louisette (director) · Founder · Founding capital9 points ▸
- Incorporation, 07-02-2022
- Founder, DE LAET Lydia Sandra Reinhilde Louisette
- Founding capital, €4,000
- Kind of shares, “inbrengen oprichters geboekt op beschikbare eigen vermogensrekening,vatbaar voor uitkering”, 100 (deed in Dutch)
- Other provision, “verkrijging rechtspersoonlijkheid, dag neerlegging uittreksel akte ter griffie” (deed in Dutch)
- Registered office clause, “2980 Zoersel,Langebaan 85” (deed in Dutch)
- Board rule, 1
- Director appointment, DE LAET Lydia Sandra Reinhilde Louisette (director (not named in the articles))
- Pre-incorporation commitments, “takeover, alle activiteiten comparanten in naam en voor rekening vennootschap in oprichting en alle verbintenissen en verplichtingen daaruit” (deed in Dutch)
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
Comm-inter in Dutch
Enterprise number
0781.696.670
Legal form
Private limited company
Status
Active, normale toestand
Founded
07-02-2022
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 09-02-2022 (in Dutch)Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Vlaamse Gewest, bij enkel besluit van het bestuursorgaan”
deed of 09-02-2022 (in Dutch)Registered office and establishments
Registered office
Langebaan 85, 2980 Zoersel, Belgium
Establishment unit
Comm-inter, Langebaan 85, 2980 Zoersel since 07-02-2022 · unit number 2.327.590.026
Activities
NACEBEL 202574301
Translation services main activity
63920
Other information service activities
85599
Other education
Codes under NACEBEL 2008
74300
Other professional, scientific and technical activities main activity
63990
Computing infrastructure, data processing, hosting and other information service activities
85599
Other education
PurposeThe purpose describes the activities the company may carry out under its articles.
deed of 09-02-2022 (in Dutch)
“Het verlenen van diensten,het begeleiden en advies verlenen ivm.allerhande diensten inzake vertaler,tolk,ondertiteling… en dit in de meest…”
11 activities
- Het verlenen van diensten,het begeleiden en advies verlenen ivm.allerhande diensten inzake vertaler,tolk,ondertiteling… en dit in de meest ruime zin
- De verhuur van communicatie,geluids- en kantoorapparatuur
- Het organiseren en geven van opleidingen,cursussen,startersbegeleiding… mbt.bovenvermelde activiteiten aan zowel particulieren,bedrijven als overheidsinstellingen in de meeste ruime zin
- Het verlenen van administratieve diensten aan bedrijven
- Het verlenen van managementdiensten,advies en begeleiding in alle mogelijke vormen en aan alle mogelijke ondernemingen ongeacht hun bedrijvigheid,grootte of locatie
- Het verlenen van alle advies en bijstand op alle mogelijke vlakken van de bedrijfsvoering aan het bestuur en de directie van de vennootschappen,ondernemingen,bedrijvigheden en verenigingen waarin zij een belang of deelneming heeft,en in het algemeen het stellen van alle handelingen die geheel of gedeeltelijk,rechtstreeks of onrechtstreeks behoren tot de activiteiten van een holding
- De organisatie van seminaries,opleidingen en cursussen,conferenties,beurzen en tentoonstellingen
- De aan en verkoop,huren en verhuren van allerhande goederen mbt.vermelde activiteiten
- De aan en verkoop,huren en verhuren van intellectuele eigendommen en licenties opgebouwd en verkregen door de vennootschap
- De verhuring van allerhande materieel en ter beschikking stellen van personeel
- Het opbouwen en beheren van roerend en onroerend vermogen
Invoicing and payment
VAT number
BE 0781.696.670
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Third Monday of June at 18:00
deed of 09-02-2022 (in Dutch)Sites & property
Location
Buildings and parcels at the address
Ground area
1,233 m²
Building footprint
239 m²
Building volume
1,030 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 11055C0178/00B002 | Flanders | 1,233 m² | 1 · 239 m² | 15.7 m · 1 |