COMSO
ActiveSummary
COMSO has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €28,974 and a net result of -€2,950. Equity is shrinking by ~14.4% per year across the filed fiscal years. Its solvency ranks better than 18% of 9722 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability37▲+19
Solvency27=
Growth58▲+26
Track record94
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days only on tighter terms
Liquidity tight (current ratio 1.02 against 1.03 in 2023; short-term debt: 97.7% and cash: 0.4% of total assets), and 97.7% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 →
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
2.3%
Return on assets
-0.2%
Age of the figures
21 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
21222324
2021 to 2024 · latest year -€2,950
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 9722 sector peers (2024).
NBB · sector comparisonPosition among 9722 sector peers
Solvency
better than 18%
← weakest
strongest →
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 24-07-2025, 7 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
7 d early
2023
28 d early
2022
13 d early
2021
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 4 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, abbreviated schema
Equity
€28,974▼ 9.2%
2023 · €31,924
Total assets
€1.3m▼ 1.6%
2023 · €1.3m
Net result
-€2,950▲ 50.6%
2023 · -€5,973
Working capital
€28,974▼ 9.2%
2023 · €31,924
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2021202220232024
Operating result-€5,263--€6,828▼ 29.7%-€6,158▲ 9.8%-€2,883▲ 53.2%
Net result-€5,263within the sector's middle half--€6,839within the sector's middle half▼ 29.9%-€5,973within the sector's middle half▲ 12.7%-€2,950within the sector's middle half▲ 50.6%
Equity€44,737below the sector's middle half-€37,897below the sector's middle half▼ 15.3%€31,924below the sector's middle half▼ 15.8%€28,974below the sector's middle half▼ 9.2%
Total assets€1.3mwithin the sector's middle half-€1.3mwithin the sector's middle half▲ 0.6%€1.3mwithin the sector's middle half▼ 0.9%€1.3mwithin the sector's middle half▼ 1.6%
Debt€1.3m-€1.3m▲ 1.1%€1.3m▼ 0.4%€1.2m▼ 1.4%
Working capital€43,348-€37,897▼ 12.6%€31,924▼ 15.8%€28,974▼ 9.2%
Solvency3.5%below the sector's middle half-2.9%below the sector's middle half▼ 0.5pp2.5%below the sector's middle half▼ 0.4pp2.3%below the sector's middle half▼ 0.2pp
above
within
below
the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2,883 in 2024 against €6,158 in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €1.3m
Equity
€28,974 ▼ 9.2%
Debt
€1.2m ▼ 1.4%
Debt's share of the balance-sheet total rises from 97.5% to 97.7%. Equity and debt are lower.
Key figures and ratios
Current ratio
1.02▼
2023 · 1.03
Quick ratio
0.00▼
2023 · 0.02
Debt to equity
42.84▲
2023 · 39.43
ROE
-10.2%▲
2023 · -18.7%
ROA
-0.2%▲
2023 · -0.5%
Debt ≤ 1 year
€1.2m▼
2023 · €1.3m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 818 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 94% are still going.
- Small
- 5 to 10 years old
- solvency under 10%
- a small loss
1.8%
went bankrupt
3.3%
stopped otherwise
94%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.0% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 818 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.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €463 | €1,389 | €0 | - | - |
| Other operating charges640/8 | €778 | €1,623 | €1,875 | €1,929 | ▲ 2.8% |
| Gross operating margin9900 | -€4,023 | -€3,817 | -€4,283 | -€954 | ▲ 77.7% |
| Operating profit (loss)9901 | -€5,263 | -€6,828 | -€6,158 | -€2,883 | ▲ 53.2% |
| Financial income75/76B | - | €10 | €230 | €0 | ▼ 100% |
| Recurring financial income75 | - | €10 | €230 | €0 | ▼ 100% |
| Financial charges65/66B | - | €21 | €45 | €68 | ▲ 50.6% |
| Recurring financial charges65 | - | €21 | €45 | €68 | ▲ 50.6% |
| Profit (loss) for the period before taxes9903 | -€5,263 | -€6,839 | -€5,973 | -€2,950 | ▲ 50.6% |
| Profit (loss) for the period9904 | -€5,263 | -€6,839 | -€5,973 | -€2,950 | ▲ 50.6% |
| Profit (loss) for the period to be appropriated9905 | -€5,263 | -€6,839 | -€5,973 | -€2,950 | ▲ 50.6% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €1.3m | €1.3m | €1.3m | €1.3m | ▼ 1.6% |
| Formation expenses20 | €1,389 | €0 | - | - | - |
| Current assets29/58 | €1.3m | €1.3m | €1.3m | €1.3m | ▼ 1.6% |
| Stocks and contracts in progress3 | €1.2m | €1.3m | €1.3m | €1.3m | ▲ 0.4% |
| Stocks30/36 | €1.2m | €1.3m | €1.3m | €1.3m | ▲ 0.4% |
| Amounts receivable within one year40/41 | €357 | €2,139 | €14,194 | €1 | ▼ 100.0% |
| Trade receivables40 | €357 | €0 | €13,310 | €0 | ▼ 100% |
| Other amounts receivable41 | - | €2,139 | €884 | €1 | ▼ 99.9% |
| Cash at bank and in hand54/58 | €44,991 | €37,868 | €16,691 | €5,631 | ▼ 66.3% |
| Deferred charges and accrued income490/1 | - | - | €120 | €223 | ▲ 86.0% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €1.3m | €1.3m | €1.3m | €1.3m | ▼ 1.6% |
| Equity10/15 | €44,737 | €37,897 | €31,924 | €28,974 | ▼ 9.2% |
| Contributions10/11 | €50,000 | €50,000 | €50,000 | €50,000 | = |
| Profit (loss) carried forward14 | -€5,263 | -€12,103 | -€18,076 | -€21,026 | ▼ 16.3% |
| Amounts payable17/49 | €1.3m | €1.3m | €1.3m | €1.2m | ▼ 1.4% |
| Amounts payable within one year42/48 | €1.3m | €1.3m | €1.3m | €1.2m | ▼ 1.4% |
| Trade debts44 | - | €13,406 | €23,121 | €503 | ▼ 97.8% |
| Suppliers440/4 | - | €13,406 | €23,121 | €503 | ▼ 97.8% |
| Taxes, remuneration and social security45 | - | €75 | €0 | - | - |
| Taxes450/3 | - | €75 | €0 | - | - |
| Other amounts payable47/48 | €1.3m | €1.3m | €1.2m | €1.2m | ▲ 0.4% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€5,263 | -€6,839 | -€5,973 | -€2,950 | ▲ 50.6% |
| + Depreciation and write-downs630 | €463 | €1,389 | €0 | - | - |
| Operating cash flow (approximation) | -€4,800 | -€5,450 | -€5,973 | -€2,950 | ▲ 50.6% |
| Change in cash | - | -€7,123 | -€21,176 | -€11,060 | ▲ 47.8% |
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
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet -€6,839
Net result drops to -€6,839, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Hamme (Vl.) · 1 establishment unit since 2021
Ground area
134 m²
Building footprint
75 m²
Volume, LiDAR
387 m³
Parcel 42008A0271/00E000, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
9
companies at this address
See who is registered here
1 establishment unit
COMSO
since 20212.323.001.332
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42008A0271/00E000 | Flanders | 134 m² | 1 · 75 m² | 9.5 m · 2 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.
Similar companies · same sector, comparable size
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VILLA MEDICA
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Of 9,146 companies in sector 68201 we hold annual accounts for 6,770. 2,655 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
Founded24-09-2021
Fiscal year end31-12
Activities, NACEBEL 2025
68201Renting and operating of own or leased residential real estate, excluding social housing
68121Development of residential building projects
68122Development of non-residential building projects
66300Activities auxiliary to financial services and insurance activities
68203Renting and operating of own or leased non-residential real estate, excluding land
68204Real estate activities
71121Engineering and related technical consultancy, excluding land surveyors
E-invoicing
Reachable via Peppol
Peppol ID
0208:0774569051
Also
9925:BE0774569051
Registered
21-01-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.