COMM'PLETE
ActiveCOMM'PLETE has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €121k and a net result of €-5k. Equity is growing by ~4% per year across the filed fiscal years. Its solvency ranks better than 39% of 8969 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability16▼-6
Solvency67▼-33
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 25.19 against 20.71 in 2023; short-term debt: 3.9% and cash: 19.3% of total assets), but 57.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
42.2%
Return on assets
-1.8%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-09-2025, 57 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
57 d late
2023
57 d late
2022
28 d late
2021
3 d early
2020
37 d early
2019
69 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€121k▼ 4.2%
2023 · €126k
2018: €89k
2019: €109k
2020: €110k
2021: €123k
2022: €122k
2023: €126k
2018 → 2024
Total assets
€286k▲ 117%
2023 · €132k
2018: €274k
2019: €215k
2020: €203k
2021: €127k
2022: €170k
2023: €132k
2018 → 2024
Net result
€-5k
2023 · €4k
2018: €13k
2019: €19k
2020: €19k
2021: €13k
2022: €-1k
2023: €4k
2018 → 2024
Working capital
€268k▲ 126%
2023 · €119k
2018: €88k
2019: €81k
2020: €101k
2021: €117k
2022: €114k
2023: €119k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€110k-€123k▲ 12.1%€122k▼ 1.0%€126k▲ 3.2%€121k▼ 4.2%
Operating result€18k-€7k▼ 59.7%€-8k€-1k▲ 81.4%€-14k▼ 843%
Net result€19k-€13k▼ 31.8%€-1k€4k€-5k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €14k in 2024 against €1k in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €286k
Fixed assets
€7k▼ 5.2%
Current assets
€279k▲ 124%
Equity and liabilities €286k
Equity
€121k▼ 4.2%
Debt
€165k▲ 2,644%
The debt ratio rises from 4.6% to 57.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-14k▼
2023 · €-1k
Cash flow
€-5k▼
2023 · €4k
Solvency
42.2%▼
2023 · 95.4%
Current ratio
25.19▲
2023 · 20.71
Quick ratio
25.19▲
2023 · 20.71
Debt / equity
1.37▲
2023 · 0.05
ROE
-4.3%▼
2023 · 3.1%
ROA
-1.8%▼
2023 · 3.0%
Interest coverage
-22.60▼
2023 · -1.96
Debt
€165k▲
2023 · €6k
Debt ≤ 1 year
€11k▲
2023 · €6k
Income taxes
€-29▼
2023 · €1k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€132k€286k▲
Fixed assets21/28€7k€7k▼
Tangible fixed assets22/27€443€64▼
Furniture and vehicles24€443€64▼
Financial fixed assets28€7k€7k=
Current assets29/58€125k€279k▲
Amounts receivable within one year40/41€117k€202k▲
Trade receivables40€2k€78k▲
Other amounts receivable41€115k€125k▲
Cash at bank and in hand54/58€0€55k▲
Deferred charges and accrued income490/1€8k€22k▲
Equity and liabilities
Total equity and liabilities10/49€132k€286k▲
Equity10/15€126k€121k▼
Contributions10/11€105k€105k=
Capital10€105k€105k=
Issued capital100€105k€105k=
Reserves13€11k€11k=
Non-distributable reserves130/1€11k€11k=
Legal reserve130€11k€11k=
Profit (loss) carried forward14€10k€5k▼
Amounts payable17/49€6k€165k▲
Amounts payable within one year42/48€6k€11k▲
Financial debts43€3k€0▼
Credit institutions430/8€3k€0▼
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€2k€8k▲
Taxes450/3€2k€8k▲
Accrued charges and deferred income492/3-€154k
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€378€378=
Other operating charges640/8€484€387▼
Gross operating margin9900€-635€-13k▼
Operating profit (loss)9901€-1k€-14k▼
Financial income75/76B€7k€9k▲
Recurring financial income75€7k€9k▲
Financial charges65/66B€572€608▲
Recurring financial charges65€572€608▲
Profit (loss) for the period before taxes9903€5k€-5k▼
Income taxes67/77€1k€-29▼
Profit (loss) for the period9904€4k€-5k▼
Profit (loss) for the period to be appropriated9905€4k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€10k€5k▼
Profit (loss) brought forward from the previous period14P€6k€10k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 57 days late
2024
31-12
Financial
Weakest financial yearnet €-5k ▼233%
Net result drops to €-5k, the lowest in the series.
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 57 days late
2023
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
31-12
Financial
Liquidity times 6current ratio 20.71
Current ratio from 3.39 to 20.71; short-term debt falls from €48k to €6k.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity times 16current ratio 32.48
Current ratio from 2.07 to 32.48; short-term debt falls from €94k to €4k.
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 69 days late
2019
31-12
Financial
Equity above €100kEq €109k ▲21.8%
2 profitable years in a row build equity to €109k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 92 days late
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 59 days late
2016
27-10
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 88 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Wemmel · 1 establishment unit since 1994
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
J. Bogemansstraat 531780 WemmelGround area
535 m²
Building footprint
318 m²
Volume, LiDAR
3,053 m³
Parcel 22662B0387/00P004, Flanders · tallest building 14.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
J. Bogemansstraat 53, 1780 Wemmel
since 19942.065.211.162
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22662B0387/00P004 | Flanders | 535 m² | 1 · 318 m² | 14.3 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
De Jonghe & Partners
BE 0430.702.665
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XELEOS
BE 0462.080.878
Leuven · Eq €120k
LEMON
BE 0461.467.996
Braine-l'Alleud · Eq €121k
MILCOM
BE 0477.547.727
Ukkel · Eq €121k
I.B.C.
BE 0442.076.807
Elsene · Eq €122k
Of 2,716 companies in sector 73200 we hold annual accounts for 1,785. 1,333 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded30-12-1993
Fiscal year end31-12
Activities, NACEBEL
73200Market research and public opinion polling
74131
46711Wholesale of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
50101
50103
50200
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.