COMMpunt
ActiveCOMMpunt has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €800k and a net result of €91k. Equity is growing by ~11.5% per year across the filed fiscal years. Its solvency ranks better than 81% of 4822 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
93
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability57▼-31
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity ample (current ratio 5.47 against 5.25 in 2024), and 24.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
75.7%
Return on assets
8.6%
Age of the figures
8 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
56 d late
2023
30 d late
2022
73 d late
2021
78 d late
2020
90 d late
2019
82 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€91k▼ 29.9%
2024 · €129k
2018: €138k
2019: €26k
2020: €9k
2021: €46k
2022: €133k
2023: €132k
2024: €129k
2018 → 2025
Working capital
€818k▲ 19.2%
2024 · €686k
2018: €369k
2019: €412k
2020: €395k
2021: €438k
2022: €520k
2023: €638k
2024: €686k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€478k-€570k▲ 19.3%€702k▲ 23.3%€734k▲ 4.6%€800k▲ 8.9%
Operating result€64k-€179k▲ 180%€182k▲ 1.9%€175k▼ 4.2%€113k▼ 35.5%
Net result€46k-€133k▲ 190%€132k▼ 0.6%€129k▼ 2.5%€91k▼ 29.9%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 35% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.06M
Fixed assets
€56k▼ 29.9%
Current assets
€1.00M▲ 18.0%
Equity and liabilities €1.06M
Equity
€800k▲ 8.9%
Debt
€257k▲ 33.3%
The debt ratio rises from 20.8% to 24.3%: debt grows faster than equity.
Key figures and ratios
EBITDA
€141k▼
2024 · €201k
Cash flow
€119k▼
2024 · €156k
Solvency
75.7%▼
2024 · 79.2%
Current ratio
5.47▲
2024 · 5.25
Quick ratio
3.99▲
2024 · 3.65
Debt / equity
0.32▲
2024 · 0.26
ROE
11.3%▼
2024 · 17.6%
ROA
8.6%▼
2024 · 13.9%
Interest coverage
162.35▲
2024 · 93.20
Debt
€257k▲
2024 · €193k
Debt ≤ 1 year
€183k▲
2024 · €161k
Income taxes
€40k▼
2024 · €46k
Staff costs
€186k▲
2024 · €173k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€927k€1.06M▲
Fixed assets21/28€79k€56k▼
Tangible fixed assets22/27€77k€53k▼
Plant, machinery and equipment23€16k€15k▼
Furniture and vehicles24€61k€38k▼
Financial fixed assets28€2k€2k=
Current assets29/58€848k€1.00M▲
Stocks and contracts in progress3€257k€272k▲
Stocks30/36€257k€272k▲
Amounts receivable within one year40/41€330k€371k▲
Trade receivables40€307k€369k▲
Other amounts receivable41€24k€2k▼
Current investments50/53€85k€85k=
Cash at bank and in hand54/58€167k€267k▲
Deferred charges and accrued income490/1€8k€6k▼
Equity and liabilities
Total equity and liabilities10/49€927k€1.06M▲
Equity10/15€734k€800k▲
Contributions10/11€50k€50k=
Capital10€50k€50k=
Issued capital100€50k€50k=
Reserves13€684k€750k▲
Non-distributable reserves130/1€378k€443k▲
Legal reserve130€5k€5k=
Reserves not available under the articles1311€85k€85k=
Other1319€288k€353k▲
Tax-exempt reserves132€185k€126k▼
Distributable reserves133€122k€180k▲
Amounts payable17/49€193k€257k▲
Amounts payable within one year42/48€161k€183k▲
Trade debts44€88k€108k▲
Suppliers440/4€88k€108k▲
Taxes, remuneration and social security45€33k€66k▲
Taxes450/3-€40k
Remuneration and social security454/9€33k€26k▼
Other amounts payable47/48€41k€9k▼
Accrued charges and deferred income492/3€31k€74k▲
Income statement
Code20242025
Remuneration, social security and pensions62€173k€186k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€28k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€376k€330k▼
Operating profit (loss)9901€175k€113k▼
Financial income75/76B€3k€18k▲
Recurring financial income75€3k€18k▲
Financial charges65/66B€2k€868▼
Recurring financial charges65€2k€868▼
Profit (loss) for the period before taxes9903€175k€130k▼
Income taxes67/77€46k€40k▼
Profit (loss) for the period9904€129k€91k▼
Transfer from tax-exempt reserves789-€59k
Transfer to tax-exempt reserves689€63k-
Profit (loss) for the period to be appropriated9905€66k€149k▲
Appropriation of the result
Profit (loss) to be appropriated9906€66k€149k▲
Transfer from equity791/2€97k€25k▼
Transfer to equity691/2€163k€175k▲
To other reserves6921€163k€175k▲
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
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 31 days late
2025
25-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 56 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
12-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 73 days late
2022
31-12
Financial
Equity above €500kEq €570k ▲19.3%
5 profitable years in a row build equity to €570k.
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 78 days late
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 90 days late
2020
31-12
Financial
Weakest financial yearnet €9k ▼64.2%
Net result drops to €9k, the lowest in the series; recovery starts the following year.
21-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 82 days late
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2023
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
12-12-2023
Resigned as Director
Location & real-estate footprint
Registered office, Affligem · 1 establishment unit since 2011
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.
Kortestraat 11790 AffligemGround area
3,558 m²
Building footprint
1,293 m²
Volume, LiDAR
3,053 m³
2 parcels, Flanders · tallest building 14.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
COMMpunt
since 20112.199.200.331
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23030C0140/00N000 | Flanders | 2,903 m² | 1 · 1,105 m² | 14.8 m |
| 23030C0139/00T000 | Flanders | 655 m² | 1 · 188 m² | 9.9 m · 1 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.
Recognitions · licences · registrations
Recognised contractor
1 categoryCOMMpunt BV38036
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BE 0427.873.631
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V/H
BE 0876.481.112
Beveren-Kruibeke-Zwijndrecht · Eq €775k
Of 1,733 companies in sector 46150 we hold annual accounts for 750. 393 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-03-2011
Fiscal year end31-12
Activities, NACEBEL
46150Agents in the wholesale of furniture, household goods and hardware
46431Wholesale of electrical household appliances and audio-video equipment
42220Construction of utility projects for electricity and telecommunications
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.