Equity
€219,010 ▼ 0.4%
Comobi paid out €70,000 in dividends. That is 101% of the 2025 profit.
Comobi
Lifetime
5 annual accounts with figures on one time axispeak €269,054 (2025)
€269,054▲ 14.1%
lowest -€5,521 (2021)
€69,138▼ 29.6%
peak €219,872 (2024)
€219,010▼ 0.4%
€372,074▲ 19.4%
Board2 names since 2020
1 directorVAN CAUWENBERGE Jonathan
Documentsfilings and deeds
28-08-202628 days late
2025micro format
Gross margin from €235,755 to €269,054Result from €98,210 to €69,138Dividend €70,000Debts from €311,567 to €372,074Investments €207,482Cash from €99,990 to €5,096
Key points
from the 2025 annual accountsTurnover
≈ €700,000 estimated
The micro format states no turnover.
Investments
€242,482 3.4 × depreciation
Green is investment, beige is depreciation.
Liquidity
0.91 was 1.40 in 2024
Short-term debts rose from €241,372 to €288,052.
Filings
5 annual accounts 1 late
The 2025 accounts came 28 days late. The other four were filed on time.
Position in the sector
€219,010
More equity than 83% of companies in computer programming and consultancy. Sector median €69,062 · 21,212 companies.
Checked score
89
Excellent
Financially stronger than 32% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,932 companies (NACE 62, micro).
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: < 0.1%▼ -0.1 percentage points vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025lowest value
09-2025: < 0.1%● unchanged vs 08-2025lowest value
10-2025: < 0.1%● unchanged vs 09-2025lowest value
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: 0.1%▲ +0.1 percentage points vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026highest value
10-2026: 0.1%● unchanged vs 09-2026highest value
11-2026: 0.1%● unchanged vs 10-2026highest value
Financial strengthAverage
Score breakdown
raises risk
Liquidity: current ratio 0.91, cash €5,096, halved
lowers risk
Size: total assets €591,084
Sector: Computer programming, consultancy and related activities (NACE 62)
Figures for financial year 2025 (filed on 28-08-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro). It does better than 34% of them on solvency, 10% on liquidity, 45% on profitability and 39% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,782 companies had the same profile as Comobi has now. Each dot stands for 17 companies, two years later.
96.7%
were still trading
2.7%
stopped another way
0.6%
went bankrupt
That fits the bankruptcy probability of Comobi itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,782 companies, not a prediction for Comobi. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €19,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.91 (1.4 in 2024), below 1. Short-term debt is 48.7% and cash 0.9% of total assets. 62.9% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 5 filingsDeviation from the deadline
2025
28 days late
2024
38 days early
2023
62 days early
2022
32 days early
2021
61 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 5 accounts on average 33 days before the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 23 June (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- VERBERCK Pieter Guido Cecilia 200 sharesdeed of 29-04-2020
- VAN CAUWENBERGE Jonathan 200 sharesdeed of 29-04-2020
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0746529420
Resignation: PIETER VERBERCK BV (director)
Permanent representative: VERBERCK Pieter · Director discharge: PIETER VERBERCK BV · General meeting of 20-11-2020 · Gazette deed
Incorporation
Founding capital of €4,000, 400 shares · Founders: VERBERCK Pieter Guido Cecilia and VAN CAUWENBERGE Jonathan · Appointments: PIETER VERBERCK (director) and VAN CAUWENBERGE Jonathan (director) · published on 29-04-2020 · Gazette deed
First establishment
Kruideniersstraat 3, Ghent
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Comobi Ghent | €591,084 | €269,054 | 37.1% | - |
| Pillar Health Ghent | €710,885 | €241,306 | 47.2% | - |
| SPARKLAB Watermael-Boitsfort | €619,233 | €276,727 | -35.7% | - |
| SWINGDERS Evere | €499,804 | €249,175 | 91.7% | - |
| ALLICS Mechelen | €614,283 | €332,217 | 2.3% | - |
| COVICON Menen | €513,053 | €243,093 | 35.8% | 2.7 |
| ANIMALS FRIENDS Braine-l'Alleud | €688,496 | €233,823 | 56.6% | - |
These companies have the same main activity as Comobi: computer programming (NACE 62100). They are comparable in size and age: total assets between €500,000 and €711,000, founded between 2019 and 2020.
Official details
Source: KBO- Status
- Active since 27-04-2020Normal situation
- Activity
- Computer programmingNACE 62100
- Establishment unit
- 2.302.889.5699000 Ghent, since 27-04-2020
- Financial year end
- 31 December
- Peppol
- Reachable since 06-09-2023
Insights on Comobi
Comobi files the micro format. That format states no turnover. The gross margin rose from -€4,974 in 2021 to €269,054 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Comobi
- What is the company number of Comobi?
- The company number of Comobi is 0746.529.420. The VAT number is the same number with BE in front: BE 0746.529.420.
- Where is Comobi based?
- The registered office is at Kruideniersstraat 3, 9000 Ghent.Company details
- What does Comobi do?
- According to the KBO register, the main activity is computer programming (NACE 62100).
- What is the legal form of Comobi?
- Comobi is a private limited company (BV).
- When was Comobi founded?
- Comobi was founded on 27-04-2020.
- Is Comobi still active?
- Yes, Comobi is an active enterprise in the KBO register.
- How many employees does Comobi have?
- Comobi had an average of 1 full-time equivalents in financial year 2023, according to the filed annual accounts.Financials
- What is the turnover of Comobi?
- The turnover in financial year 2025 is ≈ €700,000. This figure is estimated from the gross margin of €269,054 and 155 comparable companies (NACE 62). It probably lies between €480,000 and €1.1m.
- Is Comobi profitable?
- In financial year 2025, Comobi made a profit of €69,138.
- Where can I find the annual accounts of Comobi?
- Comobi filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Comobi due?
- Comobi must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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