COMPJO
ActiveSummary
COMPJO has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €575,822 and a net result of -€1,361. Its solvency ranks better than 95% of 1,599 sector peers (NACE 55, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 09-11-2023 Normal situation
- Activity
- Holiday cottages, homes and apartments NACE 55203and 2 others
- Establishment unit
- 2.352.177.843 3650 Dilsen-Stokkem, since 09-11-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 26-11-2025
Board and ownership
- COLSON Jos Marie WinandDirector · since 13-11-2023
- COLSON Jos Marie Winand60 sharesdeed of 13-11-2023
- COLSON Michelle20 sharesdeed of 13-11-2023
- COLSON Philippe20 sharesdeed of 13-11-2023
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.3%
- Gross margin
- €16,061
- Turnover
- ≈ €83,000
- estimated
- Loss
- €1,361
- ▼ 94.0%
- Equity
- €575,822
- ▼ 0.2%
- Total assets
- €635,463
- ▲ 8.5%
Score breakdownraises riskFounded in 2023lowers riskSize: total assets €635,463Equity €575,822 (90.6% of total assets)Figures for financial year 2025 (filed on 02-07-2026)Show the evidence
Checked score
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
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 55, micro). It does better than 93% of them on solvency, 77% on liquidity, 56% on profitability and 46% on growth.
The bankruptcy probability was computed on 04-11-2026 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).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 2 accounts on average 30 days before the deadline. In the sector (NACE 55), the median for financial year 2024 was 1 day before the deadline, and 45% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 02-07-2026 at the NBB all 2 filings
Every figure per financial year
The operating result for 2025 is a loss of €1,833, smaller than the loss of €24,312 in 2024.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Investments
| Item | 2024 | 2025 |
|---|---|---|
| Tangible fixed assets | €328,277 | €257,601 |
| Depreciation and write-downs of the year | €253 | €17,832 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €253 | €17,832 | ▲ 70× |
| Other operating charges640/8 | €62 | €62 | = |
| Gross operating margin9900 | -€23,997 | €16,061 | - |
| Operating profit (loss)9901 | -€24,312 | -€1,833 | ▲ 92.5% |
| Financial income75/76B | €1,495 | €642 | ▼ 57.1% |
| Recurring financial income75 | €1,495 | €642 | ▼ 57.1% |
| Financial charges65/66B | €0 | €169 | ▲ 16,906× |
| Recurring financial charges65 | €0 | €169 | ▲ 16,906× |
| Profit (loss) for the period before taxes9903 | -€22,817 | -€1,361 | ▲ 94.0% |
| Profit (loss) for the period9904 | -€22,817 | -€1,361 | ▲ 94.0% |
| Profit (loss) for the period to be appropriated9905 | -€22,817 | -€1,361 | ▲ 94.0% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €585,538 | €635,463 | ▲ 8.5% |
| Formation expenses20 | €1,013 | €759 | ▼ 25.0% |
| Fixed assets21/28 | €328,277 | €568,299 | ▲ 73.1% |
| Tangible fixed assets22/27 | €328,277 | €568,299 | ▲ 73.1% |
| Land and buildings22 | €325,065 | €483,917 | ▲ 48.9% |
| Plant, machinery and equipment23 | - | €4,703 | - |
| Furniture and vehicles24 | €3,212 | €79,679 | ▲ 25× |
| Current assets29/58 | €256,249 | €66,405 | ▼ 74.1% |
| Amounts receivable within one year40/41 | €7,493 | €3,502 | ▼ 53.3% |
| Trade receivables40 | - | €2,308 | - |
| Other amounts receivable41 | €7,493 | €1,193 | ▼ 84.1% |
| Cash at bank and in hand54/58 | €248,756 | €62,845 | ▼ 74.7% |
| Deferred charges and accrued income490/1 | - | €59 | - |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €585,538 | €635,463 | ▲ 8.5% |
| Equity10/15 | €577,183 | €575,822 | ▼ 0.2% |
| Contributions10/11 | €600,000 | €600,000 | = |
| Profit (loss) carried forward14 | -€22,817 | -€24,178 | ▼ 6.0% |
| Amounts payable17/49 | €8,355 | €59,641 | ▲ 614% |
| Amounts payable within one year42/48 | €8,355 | €59,641 | ▲ 614% |
| Trade debts44 | €8,355 | €150 | ▼ 98.2% |
| Suppliers440/4 | €8,355 | €150 | ▼ 98.2% |
| Taxes, remuneration and social security45 | - | €1,800 | - |
| Remuneration and social security454/9 | - | €1,800 | - |
| Other amounts payable47/48 | - | €57,691 | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | -€22,817 | -€1,361 | ▲ 94.0% |
| + Depreciation and write-downs630 | €253 | €17,832 | ▲ 70× |
| Operating cash flow (approximation) | -€22,564 | €16,472 | - |
| Investment in fixed assets (approximation) | - | -€257,854 | - |
| Change in cash | - | -€185,911 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 480 companies had the same profile as COMPJO has now. Two years later, 95.8% were still going and 0.8% had gone bankrupt.
- Small
- 2 to 5 years old
- solvency 30% or more
- a small loss
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of COMPJO itself: 0.3% within 12 months.
Test of the method
The method was tested on the 497,446 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 480 companies, not a prediction for COMPJO. 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.
Board & ownership
Directors
Owners and capital
Shareholders
- COLSON Jos Marie Winand 60 shares (60%) · €360,000
- COLSON Michelle 20 shares (20%) · €120,000
- COLSON Philippe 20 shares (20%) · €120,000
Capital transactions
- 13-11-2023 Incorporation · €600,000 · 100 shares
Articles of association
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director
- Kind of sharesThe articles set which classes of shares exist and what rights each class carries.
- 100 shares
Articles of association, deed of 13-11-2023 (in Dutch)
Network & group
COMPJO shares no director with another company.
Connections & network
1 current directorThe network starts from the directors of COMPJO. Every other company they run is a node.
Timeline
Deeds, filings and financial milestones
13-11
Gazette deed
IncorporationFounding capital of €600,000, 100 shares · Founders: COLSON Jos Marie Winand, COLSON Michelle and COLSON Philippe · Appointment: COLSON Jos Marie Winand (director)7 points ▸
- Founder, COLSON Jos Marie Winand
- Founder, COLSON Michelle
- Founder, COLSON Philippe
- Founding capital, €600,000, 100 shares
- Registered office clause, De Schiervellaan 39/B, 3650 Dilsen-Stokkem
- Board rule, 1
- Director appointment, COLSON Jos Marie Winand
- The deed holds 3 more points.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
10 activities
- Uitbating vakantiewoning
- Overige zakelijke dienstverlening,n.e.g.
- Gites,vakantiewoningen en -appartementen
- Gastenkamers
- Vakantieparken
- Overige recreatie- en ontspanningsactiviteiten,n.e.g.
- Vakantieverblijven en andere accommodatie voor kort verblijf,n.e.g.
- Het aanleggen,oordeelkundig uitbouwen en beheren van een onroerend vermogen,alle verrichtingen met betrekking tot onroerende goederen en onroerende zakelijke rechten zoals de huurfinanciering van onroerende goederen aan derden,het aankopen,verkopen,ruilen,bouwen,verbouwen,onderhouden,verhuren,huren,verkavelen,prospecteren en uitbaten van onroerende goederen;de vennootschap mag tevens de bedrijvigheden coördineren die betrekking hebben op de gehele en gedeeltelijke uitvoering van voltooiingswerken door onderaannemers
- Het aanleggen,oordeelkundig uitbouwen en beheren van een roerend vermogen,alle verrichtingen met betrekking tot roerende goederen en rechten,van welke aard ook,zoals het verwerven door inschrijving of aankoop en het beheren van aandelen,obligaties,kasbons of andere roerende waarden,van welke vorm ook,van Belgische of buitenlandse,bestaande of nog op te richten rechtspersonen en ondernemingen
- Alle roerende en onroerende,handels-,nijverheids- en financiële zaken die rechtstreeks of onrechtstreeks in verband staan met haar doel
Invoicing and payment
Financial year and general meeting
Accounts at the NBBEnvironmental permits
Source: Omgevingsloket Vlaanderen.
Sites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 72032A0853/00R000 | Flanders | 949 m² | 1 · 168 m² | 5.6 m · 1 |