COMPLEMENTI
ActiveSummary
COMPLEMENTI has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €567k and a net result of €-33k. Equity is shrinking by ~9.1% per year across the filed fiscal years. Its solvency ranks better than 69% of 19356 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability29▼-37
Solvency82▲+3
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity tight (current ratio 1.14 against 1.19 in 2023; short-term debt: 43% and cash: 2.4% of total assets), and 43% 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 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
57%
Return on assets
-3.3%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 06-06-2025, 55 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
55 d early
2023
23 d early
2022
42 d early
2021
26 d late
2020
86 d late
2019
52 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€567k▼ 5.5%
2023 · €601k
2018: €970k
2019: €1.11M▲ +14.7% vs 2018highest in 7 years
2020: €782k▼ -29.7% vs 2019
2021: €755k▼ -3.5% vs 2020
2022: €474k▼ -37.1% vs 2021lowest in 7 years
2023: €601k▲ +26.6% vs 2022
2024: €567k▼ -5.5% vs 2023
2018 → 2024
Total assets
€995k▼ 11.0%
2023 · €1.12M
2018: €1.29M
2019: €1.41M▲ +9.1% vs 2018
2020: €1.66M▲ +17.2% vs 2019highest in 7 years
2021: €1.65M▼ -0.3% vs 2020
2022: €1.16M▼ -29.5% vs 2021
2023: €1.12M▼ -3.8% vs 2022
2024: €995k▼ -11.0% vs 2023lowest in 7 years
2018 → 2024
Net result
€-33k
2023 · €126k
2018: €77k
2019: €142k▲ +83.9% vs 2018
2020: €218k▲ +53.2% vs 2019highest in 7 years
2021: €45k▼ -79.2% vs 2020
2022: €-280k▼ -718% vs 2021lowest in 7 years
2023: €126k▲ +145% vs 2022
2024: €-33k▼ -126% vs 2023
2018 → 2024
Working capital
€59k▼ 41.2%
2023 · €100k
2018: €505k
2019: €689k▲ +36.5% vs 2018highest in 7 years
2020: €306k▼ -55.6% vs 2019
2021: €275k▼ -10.2% vs 2020
2022: €-10k▼ -104% vs 2021lowest in 7 years
2023: €100k▲ +1064% vs 2022
2024: €59k▼ -41.2% vs 2023
2018 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€782k-€755k▼ 3.5%€474k▼ 37.1%€601k▲ 26.6%€567k▼ 5.5%
2020: €782khighest in 5 years
2021: €755k▼ -3.5% vs 2020
2022: €474k▼ -37.1% vs 2021lowest in 5 years
2023: €601k▲ +26.6% vs 2022
2024: €567k▼ -5.5% vs 2023
Operating result€331k-€62k▼ 81.4%€-50k€-21k▲ 58.8%€-12k▲ 43.6%
2020: €331khighest in 5 years
2021: €62k▼ -81.4% vs 2020
2022: €-50k▼ -182% vs 2021lowest in 5 years
2023: €-21k▲ +58.8% vs 2022
2024: €-12k▲ +43.6% vs 2023
Net result€218k-€45k▼ 79.2%€-280k€126k€-33k
2020: €218khighest in 5 years
2021: €45k▼ -79.2% vs 2020
2022: €-280k▼ -718% vs 2021lowest in 5 years
2023: €126k▲ +145% vs 2022
2024: €-33k▼ -126% vs 2023
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €12k in 2024 against €21k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €995k
Fixed assets
€509k ▲ 1.6%
Current assets
€486k ▼ 21.3%
Equity and liabilities €995k
Equity
€567k ▼ 5.5%
Debt
€428k ▼ 17.4%
Debt's share of the balance-sheet total falls from 46.3% to 43.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-11k▲
2023 · €-19k
Cash flow
€-32k▼
2023 · €128k
Current ratio
1.14▼
2023 · 1.19
Debt to equity
0.75▼
2023 · 0.86
ROE
-5.8%▼
2023 · 21.0%
ROA
-3.3%▼
2023 · 11.3%
Interest coverage
1.67▲
2023 · 0.14
Debt ≤ 1 year
€428k▼
2023 · €518k
Income taxes
€-837▲
2023 · €-1k
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 · 2024 against 2023 · 46 lines
Balance sheet
Code20232024
Assets
Total assets20/58€1.12M€995k▼
Fixed assets21/28€501k€509k▲
Tangible fixed assets22/27€501k€509k▲
Land and buildings22€185k€185k=
Plant, machinery and equipment23€0€0▼
Furniture and vehicles24€1k€354▼
Other tangible fixed assets26€315k€324k▲
Current assets29/58€618k€486k▼
Amounts receivable within one year40/41€1k€1k▲
Trade receivables40€0€300▲
Other amounts receivable41€1k€1k▼
Current investments50/53€614k€460k▼
Cash at bank and in hand54/58€1k€23k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€1.12M€995k▼
Equity10/15€601k€567k▼
Contributions10/11€6k€6k=
Reserves13€694k€694k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€694k€694k=
Profit (loss) carried forward14€-99k€-132k▼
Amounts payable17/49€518k€428k▼
Amounts payable within one year42/48€518k€428k▼
Trade debts44€0€891▲
Suppliers440/4€0€891▲
Taxes, remuneration and social security45€0-
Taxes450/3€0-
Other amounts payable47/48€518k€427k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€807▼
Other operating charges640/8€6k€4k▼
Gross operating margin9900€-14k€-7k▲
Operating profit (loss)9901€-21k€-12k▲
Financial income75/76B€5k€5k▼
Recurring financial income75€5k€4k▼
Non-recurring financial income76B-€779
Financial charges65/66B€-141k€27k▲
Recurring financial charges65€-141k€-7k▲
Non-recurring financial charges66B-€33k
Profit (loss) for the period before taxes9903€125k€-34k▼
Income taxes67/77€-1k€-837▲
Profit (loss) for the period9904€126k€-33k▼
Profit (loss) for the period to be appropriated9905€126k€-33k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-99k€-132k▼
Profit (loss) brought forward from the previous period14P€-226k€-99k▲
Transfer from equity791/2€0-
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €19k | €0 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €42k | €32k | €31k | €1k | €807 | ▼ 42.7% |
| Other operating charges640/8 | - | €25k | €6k | €6k | €4k | ▼ 29.4% |
| Non-recurring operating charges66A | - | €0 | - | - | - | - |
| Gross operating margin9900 | €388k | €119k | €-14k | €-14k | €-7k | ▲ 49.5% |
| Operating profit (loss)9901 | €331k | €62k | €-50k | €-21k | €-12k | ▲ 43.6% |
| Financial income75/76B | - | €11k | €3k | €5k | €5k | ▼ 9.3% |
| Recurring financial income75 | €0 | €11k | €3k | €5k | €4k | ▼ 24.6% |
| Non-recurring financial income76B | - | - | - | - | €779 | - |
| Financial charges65/66B | - | €2k | €233k | €-141k | €27k | ▲ 119% |
| Recurring financial charges65 | €269 | €2k | €233k | €-141k | €-7k | ▲ 95.4% |
| Non-recurring financial charges66B | - | - | - | - | €33k | - |
| Profit (loss) for the period before taxes9903 | €330k | €71k | €-280k | €125k | €-34k | ▼ 127% |
| Income taxes67/77 | €113k | €25k | €0 | €-1k | €-837 | ▲ 35.3% |
| Profit (loss) for the period9904 | €218k | €45k | €-280k | €126k | €-33k | ▼ 126% |
| Profit (loss) for the period to be appropriated9905 | €218k | €45k | €-280k | €126k | €-33k | ▼ 126% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.66M | €1.65M | €1.16M | €1.12M | €995k | ▼ 11.0% |
| Fixed assets21/28 | €476k | €480k | €485k | €501k | €509k | ▲ 1.6% |
| Tangible fixed assets22/27 | €476k | €480k | €485k | €501k | €509k | ▲ 1.6% |
| Land and buildings22 | - | €213k | €185k | €185k | €185k | = |
| Plant, machinery and equipment23 | - | €2k | €308 | €0 | €0 | ▼ 100% |
| Furniture and vehicles24 | - | €2k | €2k | €1k | €354 | ▼ 69.5% |
| Other tangible fixed assets26 | - | €263k | €297k | €315k | €324k | ▲ 2.8% |
| Current assets29/58 | €1.18M | €1.17M | €678k | €618k | €486k | ▼ 21.3% |
| Amounts receivable within one year40/41 | €71k | €630 | €2k | €1k | €1k | ▲ 12.3% |
| Trade receivables40 | - | €0 | €334 | €0 | €300 | - |
| Other amounts receivable41 | - | €630 | €1k | €1k | €1k | ▼ 10.9% |
| Current investments50/53 | €2k | €1k | €606k | €614k | €460k | ▼ 25.0% |
| Cash at bank and in hand54/58 | €1.10M | €1.17M | €70k | €1k | €23k | ▲ 1,521% |
| Deferred charges and accrued income490/1 | - | €906 | €1k | €1k | €2k | ▲ 11.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.66M | €1.65M | €1.16M | €1.12M | €995k | ▼ 11.0% |
| Equity10/15 | €782k | €755k | €474k | €601k | €567k | ▼ 5.5% |
| Contributions10/11 | - | €6k | €6k | €6k | €6k | = |
| Reserves13 | €776k | €748k | €694k | €694k | €694k | = |
| Non-distributable reserves130/1 | - | €2k | €2k | €0 | - | - |
| Reserves not available under the articles1311 | - | €2k | €2k | €0 | - | - |
| Distributable reserves133 | - | €746k | €692k | €694k | €694k | = |
| Profit (loss) carried forward14 | - | €0 | €-226k | €-99k | €-132k | ▼ 33.3% |
| Amounts payable17/49 | €873k | €895k | €689k | €518k | €428k | ▼ 17.4% |
| Amounts payable within one year42/48 | €873k | €895k | €689k | €518k | €428k | ▼ 17.4% |
| Trade debts44 | - | - | €2k | €0 | €891 | - |
| Suppliers440/4 | - | - | €2k | €0 | €891 | - |
| Taxes, remuneration and social security45 | - | €47k | €23k | €0 | - | - |
| Taxes450/3 | - | €47k | €23k | €0 | - | - |
| Other amounts payable47/48 | - | €848k | €663k | €518k | €427k | ▼ 17.6% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €218k | €45k | €-280k | €126k | €-33k | ▼ 126% |
| + Depreciation and write-downs630 | €42k | €32k | €31k | €1k | €807 | ▼ 42.7% |
| Operating cash flow (approximation) | €260k | €78k | €-249k | €128k | €-32k | ▼ 125% |
| Investment in fixed assets (approximation) | - | €-36k | €-36k | €-17k | €-9k | ▲ 49.2% |
| Change in cash | - | €62k | €-1.10M | €-68k | €22k | ▲ 132% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
06-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €126k
Net result €126k after one loss-making year.
31-12
Financial
Equity above €500kEq €601k ▲26.6%
Equity rises from €474k to €601k.
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-280k
Net result drops to €-280k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
25-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 86 days late
2020
31-12
Financial
Highest result since 2018net €218k ▲53.2%
Operating result €331k, net result €218k, both a record.
21-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 52 days late
2019
31-12
Financial
Equity above €1MEq €1.11M ▲14.7%
2 profitable years in a row build equity to €1.11M.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
Show earlier events
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 57 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
2016
28-09
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 59 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Knokke-Heist · 1 establishment unit since 1996
Ground area
364 m²
Building footprint
364 m²
Volume, LiDAR
5,018 m³
Parcel 31013A0863/00A000, Flanders · tallest building 25.6 m, ±6 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
COMPLEMENTI
since 19962.074.589.379
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31013A0863/00A000 | Flanders | 364 m² | 1 · 364 m² | 25.6 m · 6 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
967600TD087H6836S354
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Of 9,136 companies in sector 68201 we hold annual accounts for 6,765. 5,013 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded25-09-1995
Fiscal year end31-12
Activities, NACEBEL 2025
68201Renting and operating of own or leased residential real estate, excluding social housing
66199Other activities auxiliary to financial services, excluding insurance and pension funding
66300Activities auxiliary to financial services and insurance activities
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.