Financials
- Fiscal year
- 2025
- Total assets
- €254,578
- Loss
- -€42,526
- Solvency
- 81.5%
Complissimo
ActiveSummary
Complissimo has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €207,474 and a net result of -€42,526. Its solvency ranks better than 76% of 20,907 sector peers (NACE 62, fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Overview
Activity
Computer programming
NACE 62100
1 site
Size
€254,578total assets 2025
- Equity
- €207,474
- Loss
- -€42,526
Turnover not published (abridged schema)
Structure
- Largest shareholder
- SPLYNTER · 30%
- PayInnovate.euChair · permanent representative PEETERS Sophie Marcel Arlette
- LUCALOTDirector · permanent representative MEIRE Filip Hendrik
- SPLYNTERDirector · permanent representative BOEYNAEMS Michael Lieven Erik
Accounts filed 7 days late2 of 3 deeds read
Why 88- 1 change of registered office in 24 months- Loss of €42,526 (FY 2025)+ Sector Computer programming, consultancy and related activities (NACE 62)+ Liquidity: current ratio 2.19, cash €100,768Show the evidence
Checked score
Score 2025
88
/ 100
Excellent
Probability in this band: under 0.55%
Financially better than 58% of its sector peers (NACE 62, micro)
Financial strength
Strong
Solvency
100
equity 81.5% of total assets
Liquidity
94
short-term debt 18.5% · cash 39.6%
Profitability
0
return on assets -16.7%
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
09-2025: 0.4%
10-2025: 0.4%● unchanged vs 09-2025
11-2025: 0.4%● unchanged vs 10-2025
12-2025: 0.4%● unchanged vs 11-2025
01-2026: 0.4%● unchanged vs 12-2025
02-2026: 0.4%● unchanged vs 01-2026
03-2026: 0.4%● unchanged vs 02-2026
04-2026: 0.5%▲ +0.1 percentage points vs 03-2026
05-2026: 0.5%● unchanged vs 04-2026
06-2026: 0.5%● unchanged vs 05-2026
07-2026: 0.5%● unchanged vs 06-2026
08-2026: 0.6%▲ +0.1 percentage points vs 07-2026highest value
09-2026: 0.1%▼ -0.5 percentage points vs 08-2026lowest value
10-2026: 0.3%▲ +0.2 percentage points vs 09-2026
Credit up to €18,000 at 30 days only on tighter terms
Liquidity ample (current ratio 2.19; short-term debt: 18.5% and cash: 39.6% of total assets), and 18.5% of the assets are financed with debt.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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): better than 85% on solvency, 83% on liquidity and 5% on profitability.
The bankruptcy probability was computed on 07-10-2026 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.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Six signals.
−lowers risk+raises risk○neutral
raises risk · Young company
Founded in 2024, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-08-2026, 7 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 · 1 filingDeviation from the deadline
2025
7 days late
← before the deadline
after the deadline →
Checked, nothing found (1)
- Registered officeRegistered-office move
- Annual accounts filedfiscal year 2025 · micro…
- Appointments: PAYINNOVATE.EU, LUCALOT and SPLYNTERPermanent representatives: PEETERS Sophie Marcel…
Key points
By topic
Board & ownership
- Board
- 3 members
- Largest shareholder
- SPLYNTER · 30%
- PayInnovate.euChair
- LUCALOTDirector
- SPLYNTERDirector
Timeline
- Events
- 3
- Since
- 2025
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Computer programmingNACE 62100
- Founded
- 29-08-2024
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Articles of association
- Provisions read
- 16
- Annual meeting
- Second Monday of June at 10:00
- Purpose
- Het ontwikkelen en commercialiseren van technologie en software die gebruikers uit de…
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