COMSEC
ActiveSummary
COMSEC has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €25,825 and a net result of €23,825. Its solvency ranks better than 35% of 21,099 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
- Staff
- ≈ 0.4 FTE, estimated
- Equity
- €25,825
- Profit
- €23,825
Why 92raises riskFigures for financial year 2025 (filed 02-11-2025)Founded in 2024lowers riskSector: Computer programming, consultancy and related activities (NACE 62)Liquidity: current ratio 1.47, cash €18,949Show the evidence
Checked score
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
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 37% on solvency, 42% on liquidity and 82% on profitability.
The bankruptcy probability was computed on 28-10-2026 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
Searched, nothing found (1)
- Annual accounts filedfinancial year 2025 · micro…
- Purpose · Amendment of the articlesPurpose change · Power of…
- IncorporationAppointment: BENKADOUR Mohamed Najib (director)…
Financials · financial year 2025, micro format
Turnover and EBIT margin not published: the micro format does not require them. The turnover shown is an estimate from the gross margin.
Peer companies
Historical observationOf the 39,278 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 95.9% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
For this company itself Checked computes a lower bankruptcy probability: 0.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 39,278 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2025 |
|---|---|
| Remuneration, social security and pensions62 | €12,038 |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,526 |
| Other operating charges640/8 | €44 |
| Gross operating margin9900 | €44,688 |
| Operating profit (loss)9901 | €30,080 |
| Financial income75/76B | €1 |
| Recurring financial income75 | €1 |
| Financial charges65/66B | €49 |
| Recurring financial charges65 | €49 |
| Profit (loss) for the period before taxes9903 | €30,032 |
| Income taxes67/77 | €6,207 |
| Profit (loss) for the period9904 | €23,825 |
| Profit (loss) for the period to be appropriated9905 | €23,825 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €61,009 | |
| Fixed assets21/28 | €9,393 | |
| Tangible fixed assets22/27 | €9,393 | |
| Furniture and vehicles24 | €9,393 | |
| Current assets29/58 | €51,616 | |
| Amounts receivable within one year40/41 | €32,668 | |
| Trade receivables40 | €15,648 | |
| Other amounts receivable41 | €17,020 | |
| Cash at bank and in hand54/58 | €18,949 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €61,009 | |
| Equity10/15 | €25,825 | |
| Contributions10/11 | €2,000 | |
| Reserves13 | €23,825 | |
| Distributable reserves133 | €23,825 | |
| Amounts payable17/49 | €35,184 | |
| Amounts payable within one year42/48 | €35,184 | |
| Trade debts44 | €16,908 | |
| Suppliers440/4 | €16,908 | |
| Taxes, remuneration and social security45 | €18,245 | |
| Taxes450/3 | €8,576 | |
| Remuneration and social security454/9 | €9,670 | |
| Other amounts payable47/48 | €30 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €23,825 |
| + Depreciation and write-downs630 | €2,526 |
| Operating cash flow (approximation) | €26,351 |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (1)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-03-2025 | micro format | 31-10-2025 | 2025-00558772 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| BENKADOUR Mohamed Najib |
|
Owners and capital
Capital and shareholders
- BENKADOUR Mohamed Najib 100 shares (100%) · €2,000 in cash
The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.
- 19-03-2024 Incorporation · €2,000 · 100 shares
Group and network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
25-11
Gazette deed
Purpose · Amendment of the articlesPurpose change · Power of attorney7 facts ▸
- General meeting, 20-11-2024
- Other provision, “statuts non modifiés depuis la constitution” (deed in French)
- Other provision, “PREMIER RÉSOLUTION : RAPPORT DE L’ORGANE DE GESTION POUR LA MODIFICATION DE L’OBJET SOCIAL, approuve la proposition et les résolutions y contenues” (deed in French)
- Purpose change
- Power of attorney
- Power of attorney, Charlotte VAN CAUWELAERT
- Other provision, “extrait délivré avant enregistrement, article 173,1° bis du Code des Droits d'Enregistrement” (deed in French)
19-03
Gazette deed
IncorporationAppointment: BENKADOUR Mohamed Najib (director) · Founder · Founding capital10 facts ▸
- Incorporation, “COMSEC” (deed in French)
- Founder, BENKADOUR Mohamed Najib (comparant)
- Founding capital, €2,000
- Other provision, “compte de capitaux propres statutairement indisponible” (deed in French)
- Other provision, “premier exercice social et première assemblée générale ordinaire”, 1 (deed in French)
- Registered office clause, “1000 Bruxelles, Rue des Colonies 11”, 2 (deed in French)
- Board rule, 1, 3
- Director appointment, BENKADOUR Mohamed Najib (director (not named in the articles))
- Pre-incorporation commitments, “takeover, tous les engagements ainsi que les obligations qui en résultent, et toutes les activités entreprises par le comparant au nom et pour compte de la soci…” (deed in French)
- Other provision, “délivrance avant enregistrement, avant enregistrement” (deed in French)
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 21804D1424/00E002 | Brussels | 3,406 m² | 1 · 3,354 m² | 35.3 m · 9 |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “La prestation de tous services,le conseil,la fourniture de services et de produits dans le domaine de l'informatique,notamment la…” (deed in French)
9 activities (deed in French)
- La prestation de tous services,le conseil,la fourniture de services et de produits dans le domaine de l'informatique,notamment la création,la conception et la gestion de sites,de programmes,de pages et d'accès à des services en ligne (Internet) et la fourniture de services connexes,sur place ou à distance,le développement et la fourniture de logiciels informatiques,ainsi que la conclusion de tous contrats d'études,de développements et de tous conseils dans le domaine de l'informatique et du droit d'auteur
- L'achat,la vente,l'importation,l'exportation,la représentation,la distribution,la conception et la fabrication de tous les équipements liés à la bureautique,à l'informatique,à la domotique et à l'électronique,ainsi que de tous les accessoires et nécessaires
- L'installation,l'entretien,la réparation et le dépannage de tout équipement informatique,bureautique,domotique ou électronique,de machines industrielles,ainsi que de tous les accessoires et logiciels connexes,sur place ou à distance
- L'étude,le traitement et l'enseignement des technologies de l'information,y compris la commercialisation et la maintenance de matériel et/ou de produits informatiques
- La production et la publication de livres et de documentation concernant l'informatique,la domotique ou l'électronique et toutes leurs applications,ainsi que leur diffusion
- L'organisation de congrès,de cours et de formations continues
- Toutes les activités de recherche dans le domaine des technologies avancées,ainsi que l'exploitation et la diffusion de celles-ci,par quelque moyen que ce soit
- Prestations de conseil et accompagnement auprès des particuliers,des entreprises,des collectivités et autres organismes publics ou privés
- Conseil en stratégie,organisation,management,gestion
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- COMSEC
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Région de Bruxelles-Capitale, peut établir par simple décision de l’organe d’administration des sièges…” (deed in French)
Who represents it, and how
- Board ruleHow the board is made up, meets and takes decisions.
- “1, nommés avec ou sans limitation de durée;pouvant s’ils sont nommés dans les statuts avoir la qualité d’administrateur statutaire” (deed in French)1 more provision on this in the deed
Capital, shares and profit
- Kind of sharesWhich classes of shares exist and what rights each class carries.
- “100, Chaque action donne un droit égal dans la répartition des bénéfices et des produits de la liquidation” (deed in French)“Nominatives, inscrites dans le registre des actions nominatives avec mentions requises par le Code des sociétés et des…” (deed in French)
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- “Cession entre vifs ou transmission pour cause de mort sans agrément” (deed in French)
- Share issue ruleHow and by whom new shares can be issued.
- “Apport en numéraire avec émission de nouvelles actions - droit de préférence, l’organe qui procède à l’émission” (deed in French)
Oversight and winding up
- Statutory auditorA statutory auditor is a registered auditor who checks the accounts; small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Formes prévues pour les modifications aux statuts, assemblée générale” (deed in French)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Sans préjudice de la faculté de l'assemblée générale de désigner un ou plusieurs liquidateurs et de déterminer leurs pouvoirs et émoluments…” (deed in French)