COMMA
ActiveCOMMA has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €894k and a net result of €207k. Equity is growing by ~8.4% per year across the filed fiscal years. Its solvency ranks better than 94% of 11612 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
81
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability59▼-20
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity ample (current ratio 8.16 against 9.51 in 2023; short-term debt: 6.2% and cash: 19.4% of total assets), and 6.5% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
93.5%
Return on assets
21.6%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-06-2025, 35 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
35 d early
2023
65 d early
2022
60 d early
2021
9 d early
2020
9 d early
2019
56 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€894k▲ 4.9%
2023 · €852k
2018: €515k
2019: €542k
2020: €686k
2021: €1.10M
2022: €774k
2023: €852k
2018 → 2024
Total assets
€957k▲ 5.3%
2023 · €908k
2018: €992k
2019: €825k
2020: €810k
2021: €1.22M
2022: €836k
2023: €908k
2018 → 2024
Net result
€207k▲ 166%
2023 · €78k
2018: €55k
2019: €27k
2020: €144k
2021: €412k
2022: €153k
2023: €78k
2018 → 2024
Working capital
€424k▼ 8.9%
2023 · €466k
2018: €28k
2019: €98k
2020: €256k
2021: €848k
2022: €452k
2023: €466k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€686k-€1.10M▲ 60.1%€774k▼ 29.5%€852k▲ 10.1%€894k▲ 4.9%
Operating result€4k-€53k▲ 1,406%€34k▼ 36.2%€41k▲ 19.6%€-18k
Net result€144k-€412k▲ 187%€153k▼ 62.8%€78k▼ 49.1%€207k▲ 166%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €18k after €41k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €957k
Fixed assets
€474k▲ 22.0%
Current assets
€483k▼ 7.1%
Equity and liabilities €957k
Equity
€894k▲ 4.9%
Debt
€62k▲ 11.2%
The debt ratio rises from 6.2% to 6.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€7k▼
2023 · €53k
Cash flow
€232k▲
2023 · €90k
Solvency
93.5%▼
2023 · 93.8%
Current ratio
8.16▼
2023 · 9.51
Quick ratio
8.16▼
2023 · 9.51
Debt / equity
0.07▲
2023 · 0.07
ROE
23.2%▲
2023 · 9.1%
ROA
21.6%▲
2023 · 8.6%
Interest coverage
1.63▼
2023 · 15.09
Debt
€62k▲
2023 · €56k
Debt ≤ 1 year
€59k▲
2023 · €55k
Income taxes
€21k▲
2023 · €9k
Staff costs
€18k▲
2023 · €16
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€908k€957k▲
Fixed assets21/28€388k€474k▲
Tangible fixed assets22/27€84k€169k▲
Land and buildings22-€76k
Furniture and vehicles24€84k€93k▲
Financial fixed assets28€304k€304k=
Current assets29/58€520k€483k▼
Amounts receivable within one year40/41€4k€3k▼
Trade receivables40€4k€3k▼
Other amounts receivable41€67€0▼
Current investments50/53€232k€295k▲
Cash at bank and in hand54/58€235k€185k▼
Deferred charges and accrued income490/1€49k€267▼
Equity and liabilities
Total equity and liabilities10/49€908k€957k▲
Equity10/15€852k€894k▲
Contributions10/11€186k€186k=
Reserves13€666k€708k▲
Distributable reserves133€666k€708k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€56k€62k▲
Amounts payable within one year42/48€55k€59k▲
Trade debts44€6k€4k▼
Suppliers440/4€6k€4k▼
Taxes, remuneration and social security45€12k€15k▲
Taxes450/3€9k€14k▲
Remuneration and social security454/9€3k€769▼
Other amounts payable47/48€37k€40k▲
Accrued charges and deferred income492/3€1k€3k▲
Income statement
Code20232024
Non-recurring operating income76A€8k€0▼
Remuneration, social security and pensions62€16€18k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€25k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€54k€27k▼
Operating profit (loss)9901€41k€-18k▼
Financial income75/76B€50k€251k▲
Recurring financial income75€50k€251k▲
Financial charges65/66B€4k€4k▲
Recurring financial charges65€4k€4k▲
Non-recurring financial charges66B€0€35▲
Profit (loss) for the period before taxes9903€87k€228k▲
Income taxes67/77€9k€21k▲
Profit (loss) for the period9904€78k€207k▲
Profit (loss) for the period to be appropriated9905€78k€207k▲
Appropriation of the result
Profit (loss) to be appropriated9906€481k€207k▼
Profit (loss) brought forward from the previous period14P€403k€0▼
Transfer from equity791/2€0€165k▲
Transfer to equity691/2€481k€207k▼
To other reserves6921€481k€207k▼
Profit to be distributed694/7€0€165k▲
Return on contributions (dividend)694€0€165k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
01-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €412k ▲187%
Operating result €53k, net result €412k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 19.70
Current ratio from 6.16 to 19.70; short-term debt falls from €50k to €45k.
31-12
Financial
Equity above €1MEq €1.10M ▲60.1%
4 profitable years in a row build equity to €1.10M.
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity quadruplescurrent ratio 6.16
Current ratio from 1.49 to 6.16; short-term debt falls from €202k to €50k.
05-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €27k ▼50.6%
Net result drops to €27k, the lowest in the series; recovery starts the following year.
03-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
11-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
18-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
29-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Roeselare · 1 establishment unit since 1998
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.
Zilverbergstraat 1748800 RoeselareGround area
2,656 m²
Building footprint
364 m²
Volume, LiDAR
1,855 m³
2 parcels, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Zilverbergstraat 174B, 8800 Roeselare
since 19982.089.240.438
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36503C1670/00B000 | Flanders | 1,440 m² | 1 · 199 m² | 8.6 m · 2 fl. |
| 36503C0695/00X000 | Flanders | 1,215 m² | 1 · 165 m² | 8.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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PIPE CONSULT
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Of 11,553 companies in sector 71121 we hold annual accounts for 6,555. 3,593 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-09-1998
Fiscal year end31-12
Activities, NACEBEL
71121Engineering and related technical consultancy, excluding land surveyors
74203
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.