COMVADIS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €610k and a net result of €47k. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 95% of 8013 sector peers (fiscal year 2025). The company has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
21 d early
2023
1 d early
2022
on the day
2021
on the day
2020
2 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close21-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€610k▲ 8.3%
2024 · €563k
2019: €563k
2020: €563k
2021: €562k
2022: €565k
2023: €562k
2024: €563k
2019 → 2025
Net result
€47k▲ 3,386%
2024 · €1k
2019: €-748
2020: €41
2021: €-1k
2022: €3k
2023: €-3k
2024: €1k
2019 → 2025
Total assets
€618k▲ 8.2%
2024 · €571k
2019: €613k
2020: €613k
2021: €612k
2022: €615k
2023: €570k
2024: €571k
2019 → 2025
Solvency
98.6%▲ 0.1pp
2024 · 98.6%
2019: 91.9%
2020: 91.8%
2021: 91.8%
2022: 91.8%
2023: 98.5%
2024: 98.6%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€562k-€565k▲ 0.6%€562k▼ 0.6%€563k▲ 0.2%€610k▲ 8.3%
Operating result€-2k-€-608▲ 69.9%€-3k▼ 358%€-3k▼ 2.1%€38k
Net result€-1k-€3k€-3k€1k€47k▲ 3,386%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €38k after a loss of €3k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €618k
Fixed assets
€2k
Current assets
€617k
Equity and liabilities €618k
Equity
€610k▲ 8.3%
Debt
€9k▲ 4.2%
The debt ratio falls from 1.4% to 1.4%. Equity and debt are higher.
Key figures and ratios
Solvency
98.6%▲
2024 · 98.6%
ROE
7.7%▲
2024 · 0.2%
ROA
7.5%▲
2024 · 0.2%
Debt
€9k▲
2024 · €8k
Debt ≤ 1 year
€9k▲
2024 · €8k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€571k€618k▲
Fixed assets21/28-€2k
Tangible fixed assets22/27-€2k
Plant, machinery and equipment23-€2k
Current assets29/58€571k€617k▲
Amounts receivable within one year40/41€60k€69k▲
Trade receivables40€700€10k▲
Other amounts receivable41€59k€59k▲
Current investments50/53€465k€447k▼
Cash at bank and in hand54/58€43k€96k▲
Deferred charges and accrued income490/1€4k€4k=
Equity and liabilities
Total equity and liabilities10/49€571k€618k▲
Equity10/15€563k€610k▲
Contributions10/11€620k€620k=
Capital10€620k€620k=
Issued capital100€620k€620k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Profit (loss) carried forward14€-59k€-12k▲
Amounts payable17/49€8k€9k▲
Amounts payable within one year42/48€8k€9k▲
Trade debts44€8k€9k▲
Suppliers440/4€8k€9k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€410
Other operating charges640/8€611€647▲
Gross operating margin9900€-2k€39k▲
Operating profit (loss)9901€-3k€38k▲
Financial income75/76B€4k€9k▲
Recurring financial income75€4k€9k▲
Financial charges65/66B€44€48▲
Recurring financial charges65€44€48▲
Profit (loss) for the period before taxes9903€1k€47k▲
Income taxes67/77€-127-
Profit (loss) for the period9904€1k€47k▲
Profit (loss) for the period to be appropriated9905€1k€47k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-59k€-12k▲
Profit (loss) brought forward from the previous period14P€-60k€-59k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2019net €47k ▲3386%
Operating result €38k, net result €47k, both a record.
10-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Weakest financial yearnet €-3k ▼198%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity times 5current ratio 66.21
Current ratio from 12.27 to 66.21; short-term debt falls from €50k to €9k.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Back to profitnet €41
Net result €41 after one loss-making year.
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 55 days late
2016
28-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Bornem · 1 establishment unit since 2003
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Ploegstraat(BOR) 102880 BornemGround area
1.1 ha
Building footprint
4,490 m²
Volume, LiDAR
35,682 m³
2 parcels, Flanders · tallest building 9.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Cesar Van Kerckhovenstraat(HIN) 110, 2880 Bornem
since 20032.132.850.846
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12007C0138/00P002 | Flanders | 1.1 ha | 1 · 4,325 m² | 9.7 m · 3 fl. |
| 12362E0108/00B002 | Flanders | 662 m² | 1 · 165 m² | 8.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,479 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded27-06-2003
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.