COMOTE-TEX
ActiveThe computed 12-month bankruptcy probability of COMOTE-TEX is 1.9% (moderate). The 2025 annual accounts show equity of €1k and a net result of €13k. Equity is shrinking by ~10.4% per year across the filed fiscal years. Its solvency ranks better than 14% of 10310 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
45
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▲+84
Solvency27▲+23
Growth60▲+16
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 10310 sector peers (2025).
NBB · sector comparisonPosition among 10310 sector peers
Solvency
better than 14%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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
25 d late
2024
63 d late
2023
58 d late
2022
66 d late
2021
31 d late
2020
4 d early
2019
87 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€16k▲ 9.7%
2018 · €15k
2018: €15k
2018 → 2019
EBIT margin
-104.2%▼ 72.4pp
2018 · -31.8%
2018: -31.8%
2018 → 2019
Net result
€13k
2024 · €-45k
2018: €-6k
2019: €-18k
2020: €15k
2021: €1k
2022: €19k
2023: €3k
2024: €-45k
2018 → 2025
Working capital
€-4k▲ 78.2%
2024 · €-17k
2018: €13k
2019: €-2k
2020: €11k
2021: €11k
2022: €27k
2023: €7k
2024: €-17k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€12k-€31k▲ 161%€10k▼ 66.6%€-12k€1k
Operating result€3k-€29k▲ 1,007%€4k▼ 87.4%€-44k€16k
Net result€1k-€19k▲ 1,230%€3k▼ 86.1%€-45k€13k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €16k after a loss of €44k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €71k
Fixed assets
€5k=
Current assets
€66k▲ 22.9%
Equity and liabilities €71k
Equity
€1k
Debt
€70k
Debt finances 98.5% of the balance-sheet total.
Key figures and ratios
Solvency
1.5%▲
2024 · -20.8%
Current ratio
0.95▲
2024 · 0.76
Quick ratio
0.42▼
2024 · 0.67
Debt / equity
63.78▲
2024 · -5.81
ROA
18.7%▲
2024 · -75.8%
Debt
€70k▼
2024 · €71k
Debt ≤ 1 year
€70k▼
2024 · €71k
A ratio outside any meaningful range has been withheld (balance sheet total €71k, equity €1k).
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€59k€71k▲
Fixed assets21/28€5k€5k=
Financial fixed assets28€5k€5k=
Current assets29/58€54k€66k▲
Stocks and contracts in progress3€6k€37k▲
Stocks30/36€6k€37k▲
Amounts receivable within one year40/41€45k€27k▼
Trade receivables40€44k€27k▼
Other amounts receivable41€858-
Cash at bank and in hand54/58€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€59k€71k▲
Equity10/15€-12k€1k▲
Contributions10/11€19k€19k=
Reserves13€184€184=
Non-distributable reserves130/1€184€184=
Reserves not available under the articles1311€184€184=
Profit (loss) carried forward14€-31k€-18k▲
Amounts payable17/49€71k€70k▼
Amounts payable within one year42/48€71k€70k▼
Trade debts44€834€10k▲
Suppliers440/4€834€10k▲
Taxes, remuneration and social security45€9k€6k▼
Taxes450/3€9k€6k▼
Other amounts payable47/48€62k€54k▼
Income statement
Code20242025
Non-recurring operating income76A€10-
Other operating charges640/8€1k€2k▲
Gross operating margin9900€-42k€18k▲
Operating profit (loss)9901€-44k€16k▲
Financial charges65/66B€1k€3k▲
Recurring financial charges65€1k€3k▲
Profit (loss) for the period before taxes9903€-45k€13k▲
Profit (loss) for the period9904€-45k€13k▲
Profit (loss) for the period to be appropriated9905€-45k€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-31k€-18k▲
Profit (loss) brought forward from the previous period14P€14k€-31k▼
The notes to these accounts (4 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 25 days late
2025
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
02-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 63 days late
2024
31-12
Financial
Weakest financial yearnet €-45k ▼1757%
Net result drops to €-45k, the lowest in the series; recovery starts the following year.
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 58 days late
2023
05-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 66 days late
2022
31-12
Financial
Highest result since 2018net €19k ▲1230%
Operating result €29k, net result €19k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €15k
Net result €15k after 2 loss-making years.
31-12
Financial
Liquidity quadruplescurrent ratio 2.75
Current ratio from 0.64 to 2.75; short-term debt falls from €7k to €6k.
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 87 days late
2019
02-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 2 days late
2018
16-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 16 days late
2017
06-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Sint-Pieters-Woluwe · 2 establishment units 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.
Kellestraat 1371150 Sint-Pieters-WoluweGround area
2.8 ha
Building footprint
2.8 ha
Volume, LiDAR
452,578 m³
3 parcels, Brussels · tallest building 28.5 m, ±6 floors. Linked by address, not a title deed.
2 establishment units
COMOTE-TEX
since 20142.229.423.848
COMOTE-TEX
since 20192.284.767.197
3 parcels
Brussels
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21814P0405/00X002 | Brussels | 2.7 ha | 1 · 2.8 ha | 28.5 m · 6 fl. |
| 21012A0114/00H003 | Brussels | 149 m² | 1 · 92 m² | 15.9 m · 5 fl. |
| 21682C0082/00R005 | Brussels | 144 m² | 1 · 99 m² | 16.2 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 950 companies in sector 47792 we hold annual accounts for 184. 34 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded09-04-2014
Fiscal year end31-12
Activities, NACEBEL
47792Retail sale of second-hand clothing
49320Non-scheduled passenger transport by road
49390Land transport and transport via pipelines
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:mousmailamodibo@gmail.com
Phone:0494080866