COMMA CONSULTING
ActiveCOMMA CONSULTING has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €58k and a net result of €18k. Equity remains stable across the filed fiscal years (±1.3% per year). Its solvency ranks better than 56% of 2542 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability90▲+41
Solvency79▲+12
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.68 against 2.08 in 2023; short-term debt: 26.2% and cash: 50.1% of total assets), and 45.8% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 85
Relative position
BE, all sectors
reference
Sector 85
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
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
54.2%
Return on assets
17%
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 24-06-2025, 37 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
37 d early
2023
37 d early
2022
26 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€58k▲ 45.6%
2023 · €40k
2022: €56k
2023: €40k
2022 → 2024
Total assets
€106k▲ 11.9%
2023 · €95k
2022: €65k
2023: €95k
2022 → 2024
Net result
€18k
2023 · €-4k
2022: €-5k
2023: €-4k
2022 → 2024
Working capital
€47k▲ 68.5%
2023 · €28k
2022: €56k
2023: €28k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€56k-€40k▼ 29.5%€58k▲ 45.6%
Operating result€-5k-€-2k▲ 51.9%€27k
Net result€-5k-€-4k▲ 32.1%€18k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €27k after a loss of €2k in 2023, the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €106k
Fixed assets
€32k▼ 23.6%
Current assets
€75k▲ 39.5%
Equity and liabilities €106k
Equity
€58k▲ 45.6%
Debt
€49k▼ 12.1%
The debt ratio falls from 58.3% to 45.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€37k▲
2023 · €5k
Cash flow
€28k▲
2023 · €4k
Solvency
54.2%▲
2023 · 41.7%
Current ratio
2.68▲
2023 · 2.08
Quick ratio
2.68▲
2023 · 2.08
Debt / equity
0.85▼
2023 · 1.40
ROE
31.3%▲
2023 · -9.1%
ROA
17.0%▲
2023 · -3.8%
Interest coverage
26.96▲
2023 · 4.14
Debt
€49k▼
2023 · €55k
Debt ≤ 1 year
€28k▲
2023 · €26k
Debt > 1 year
€21k▼
2023 · €30k
Income taxes
€8k▲
2023 · €342
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€95k€106k▲
Fixed assets21/28€41k€32k▼
Tangible fixed assets22/27€41k€32k▼
Furniture and vehicles24€41k€32k▼
Current assets29/58€54k€75k▲
Amounts receivable within one year40/41€19k€21k▲
Trade receivables40€11k€11k▲
Other amounts receivable41€8k€10k▲
Cash at bank and in hand54/58€35k€53k▲
Deferred charges and accrued income490/1€0€0▼
Equity and liabilities
Total equity and liabilities10/49€95k€106k▲
Equity10/15€40k€58k▲
Contributions10/11€500€500=
Reserves13€48k€66k▲
Distributable reserves133€48k€66k▲
Profit (loss) carried forward14€-9k€-9k=
Amounts payable17/49€55k€49k▼
Amounts payable after more than one year17€30k€21k▼
Financial debts170/4€30k€21k▼
Amounts payable within one year42/48€26k€28k▲
Current portion of amounts payable after more than one year42€8k€9k▲
Trade debts44€3k€3k▲
Suppliers440/4€3k€3k▲
Taxes, remuneration and social security45€2k€3k▲
Taxes450/3€2k€3k▲
Other amounts payable47/48€13k€14k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€10k▲
Other operating charges640/8€453€644▲
Gross operating margin9900€6k€38k▲
Operating profit (loss)9901€-2k€27k▲
Financial income75/76B€324€36▼
Recurring financial income75€324€36▼
Financial charges65/66B€1k€1k▲
Recurring financial charges65€1k€1k▲
Profit (loss) for the period before taxes9903€-3k€26k▲
Income taxes67/77€342€8k▲
Profit (loss) for the period9904€-4k€18k▲
Profit (loss) for the period to be appropriated9905€-4k€18k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-9k€9k▲
Profit (loss) brought forward from the previous period14P€-5k€-9k▼
Transfer from equity791/2€13k€0▼
Transfer to equity691/2-€18k
To other reserves6921-€18k
Profit to be distributed694/7€13k€0▼
Return on contributions (dividend)694€13k€0▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €18k
Net result €18k after 2 loss-making years.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Rumst · 1 establishment unit since 2014
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.
Lage Vosbergstraat 602840 RumstGround area
2,471 m²
Building footprint
242 m²
Volume, LiDAR
1,172 m³
Parcel 11037A0213/00G002, Flanders · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
COMMA CONSULTING
since 20142.235.913.049
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11037A0213/00G002 | Flanders | 2,471 m² | 1 · 242 m² | 7.1 m · 2 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.
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Of 11,668 companies in sector 85599 we hold annual accounts for 1,329. 1,026 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-09-2014
Fiscal year end31-12
Activities, NACEBEL
85599Other education
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73110Advertising agencies
73300Public relations and communication consultancy
82300Organisation of conventions and trade shows
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.