Comobi
ActiveSummary
Comobi has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €219k and a net result of €69k. Equity is growing by ~33.4% per year across the filed fiscal years. Its solvency ranks better than 32% of 17043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▼-9
Solvency62▼-4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity short (current ratio 0.91 against 1.4 in 2024; short-term debt: 48.7% and cash: 0.9% of total assets), and 62.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 2025Solvency, return and age of the figures
Solvency
37.1%
Return on assets
11.7%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 5 filingsDeviation from the deadline
2025
28 d late
2024
38 d early
2023
62 d early
2022
32 d early
2021
61 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€219k▼ 0.4%
2024 · €220k
2021: €-2k
2022: €111k
2023: €164k
2024: €220k
2021 → 2025
Total assets
€591k▲ 11.2%
2024 · €531k
2021: €7
2022: €305k
2023: €412k
2024: €531k
2021 → 2025
Net result
€69k▼ 29.6%
2024 · €98k
2021: €-6k
2022: €113k
2023: €53k
2024: €98k
2021 → 2025
Working capital
€-26k
2024 · €97k
2021: €-2k
2022: €46k
2023: €85k
2024: €97k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-2k-€111k€164k▲ 47.4%€220k▲ 34.3%€219k▼ 0.4%
Operating result€-5k-€139k€70k▼ 50.2%€128k▲ 84.4%€97k▼ 24.6%
Net result€-6k-€113k€53k▼ 53.2%€98k▲ 86.4%€69k▼ 29.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 25% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €591k
Fixed assets
€329k ▲ 70.4%
Current assets
€262k ▼ 22.5%
Equity and liabilities €591k
Equity
€219k ▼ 0.4%
Debt
€372k ▲ 19.4%
Debt's share of the balance-sheet total rises from 58.6% to 62.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€168k▼
2024 · €174k
Cash flow
€141k▼
2024 · €144k
Current ratio
0.91▼
2024 · 1.40
Debt to equity
1.70▲
2024 · 1.42
ROE
31.6%▼
2024 · 44.7%
ROA
11.7%▼
2024 · 18.5%
Interest coverage
20.41▼
2024 · 38.88
Debt ≤ 1 year
€288k▲
2024 · €241k
Debt > 1 year
€42k▲
2024 · €28k
Income taxes
€20k▼
2024 · €27k
Staff costs
€97k▲
2024 · €59k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€531k€591k▲
Fixed assets21/28€193k€329k▲
Intangible fixed assets21€85k€228k▲
Tangible fixed assets22/27€60k€88k▲
Plant, machinery and equipment23€729€614▼
Furniture and vehicles24€59k€83k▲
Other tangible fixed assets26€480€4k▲
Financial fixed assets28€48k€13k▼
Current assets29/58€338k€262k▼
Amounts receivable within one year40/41€207k€243k▲
Trade receivables40€151k€198k▲
Other amounts receivable41€56k€45k▼
Cash at bank and in hand54/58€100k€5k▼
Deferred charges and accrued income490/1€32k€14k▼
Equity and liabilities
Total equity and liabilities10/49€531k€591k▲
Equity10/15€220k€219k▼
Contributions10/11€4k€4k=
Reserves13€42k€42k=
Tax-exempt reserves132€42k€42k=
Profit (loss) carried forward14€174k€173k▼
Amounts payable17/49€312k€372k▲
Amounts payable after more than one year17€28k€42k▲
Financial debts170/4€28k€42k▲
Amounts payable within one year42/48€241k€288k▲
Current portion of amounts payable after more than one year42€15k€26k▲
Financial debts43€61€3k▲
Credit institutions430/8€61€3k▲
Trade debts44€216k€235k▲
Suppliers440/4€216k€235k▲
Taxes, remuneration and social security45€10k€13k▲
Taxes450/3€512€2k▲
Remuneration and social security454/9€10k€12k▲
Other amounts payable47/48€43€10k▲
Accrued charges and deferred income492/3€42k€42k=
Income statement
Code20242025
Non-recurring operating income76A€2k€0▼
Remuneration, social security and pensions62€59k€97k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€46k€72k▲
Other operating charges640/8€3k€4k▲
Gross operating margin9900€236k€269k▲
Operating profit (loss)9901€128k€97k▼
Financial income75/76B€2k€963▼
Recurring financial income75€2k€963▼
Financial charges65/66B€4k€8k▲
Recurring financial charges65€4k€8k▲
Profit (loss) for the period before taxes9903€125k€89k▼
Income taxes67/77€27k€20k▼
Profit (loss) for the period9904€98k€69k▼
Transfer to tax-exempt reserves689€84k€0▼
Profit (loss) for the period to be appropriated9905€14k€69k▲
Appropriation of the result
Profit (loss) to be appropriated9906€174k€243k▲
Profit (loss) brought forward from the previous period14P€160k€174k▲
Profit to be distributed694/7-€70k
Return on contributions (dividend)694-€70k
The notes to these accounts (16 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €220k ▲34.3%
3 profitable years in a row build equity to €220k.
30-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150kEq €164k ▲47.4%
2 profitable years in a row build equity to €164k.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €113k
Net result €113k after one loss-making year.
31-12
Financial
Liquidity times 299current ratio 1.33
Current ratio from 0.00 to 1.33.
31-12
Financial
Equity above €100kEq €111k
Equity rises from €-2k to €111k.
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · 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, Gent · 1 establishment unit since 2020
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.
Kruideniersstraat 39000 GentGround area
71 m²
Building footprint
71 m²
Volume, LiDAR
402 m³
Parcel 44802B1184/00A000, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Comobi
since 20202.302.889.569
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44802B1184/00A000 | Flanders | 71 m² | 1 · 71 m² | 8.0 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 6 entries · 54,406 EUR awarded · 50,671 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 3 | 0 EUR | 34,352 EUR |
| 2024 | 2 | 54,037 EUR | 15,950 EUR |
| 2022 | 1 | 369 EUR | 369 EUR |
Schemes
Kmo-groeisubsidie: steun voor groeitrajecten bij kmo's (stopgezet)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 16,884 companies in sector 62100 we hold annual accounts for 8,775. 6,499 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-04-2020
Fiscal year end31-12
Activities, NACEBEL 2025
52250Logistics services
62100Computer programming
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.