COMYN FILIP

Active

Private limited companyfounded 20206 yrs activeZonnebeekseweg 194, 8900 Ieper, BelgiumKBO/BCE: BE 0753.671.984

Summary

The computed 12-month bankruptcy probability of COMYN FILIP is 1.7% (moderate). The 2025 annual accounts show equity of €88k and a net result of €15k. Equity is growing by ~21.1% per year across the filed fiscal years. Its solvency ranks better than 84% of 7453 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

80 / 100

Excellent

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability85▲+20

Solvency100=

Growth52=

Track record100

Bankruptcy probability, 12 months

1.7% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €7k at 30 days acceptable

Liquidity ample (current ratio 4.38 against 4.81 in 2024; short-term debt: 22.3% and cash: 92.8% of total assets), and 23.4% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Four signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 41

Relative position

BE, all sectors

reference

Sector 41

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

76.6%

Return on assets

13.1%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-07-2026, 30 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

30 d early

2024

4 d late

2023

33 d early

2022

27 d early

2021

29 d late

← before the deadline after the deadline →

Checked, nothing found (2)

The next deadline is still running

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

24-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€88k▲ 20.6%

2024 · €73k

2021: €41k 2022: €54k 2023: €71k 2024: €73k

2021 → 2025

Total assets

€115k▲ 24.2%

2024 · €93k

2021: €51k 2022: €66k 2023: €88k 2024: €93k

2021 → 2025

Net result

€15k▲ 482%

2024 · €3k

2021: €21k 2022: €14k 2023: €16k 2024: €3k

2021 → 2025

Working capital

€87k▲ 23.3%

2024 · €70k

2021: €34k 2022: €50k 2023: €68k 2024: €70k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€41k-€54k▲ 33.8%€71k▲ 30.2%€73k▲ 3.7%€88k▲ 20.6%

Operating result€29k-€20k▼ 29.7%€26k▲ 27.8%€6k▼ 77.0%€25k▲ 318%

Net result€21k-€14k▼ 33.4%€16k▲ 19.8%€3k▼ 84.2%€15k▲ 482%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result recovers in 2025; 2025 is 318% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €115k

97.5%

Fixed assets €3k ▼ 27.5%

Current assets €113k ▲ 26.6%

Equity and liabilities €115k

76.6%

23.4%

Equity €88k ▲ 20.6%

Debt €27k ▲ 37.6%

Debt's share of the balance-sheet total rises from 21.1% to 23.4%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€26k▲

2024 · €8k

Cash flow

€16k▲

2024 · €5k

Current ratio

4.38▼

2024 · 4.81

Quick ratio

4.30▼

2024 · 4.57

Debt to equity

0.31▲

2024 · 0.27

ROE

17.1%▲

2024 · 3.5%

ROA

13.1%▲

2024 · 2.8%

Interest coverage

15.23▲

2024 · 5.09

Debt ≤ 1 year

€26k▲

2024 · €18k

Income taxes

€8k▲

2024 · €2k

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 · 2025 against 2024 · 42 lines

Balance sheet Code20242025

Assets

Total assets20/58€93k€115k▲

Fixed assets21/28€4k€3k▼

Tangible fixed assets22/27€4k€3k▼

Plant, machinery and equipment23€4k€3k▼

Furniture and vehicles24€0-

Current assets29/58€89k€113k▲

Stocks and contracts in progress3€4k€2k▼

Stocks30/36€4k€2k▼

Amounts receivable within one year40/41€14k€3k▼

Trade receivables40€8k€3k▼

Other amounts receivable41€5k€722▼

Cash at bank and in hand54/58€71k€107k▲

Deferred charges and accrued income490/1€265€0▼

Equity and liabilities

Total equity and liabilities10/49€93k€115k▲

Equity10/15€73k€88k▲

Contributions10/11€20k€20k=

Reserves13€53k€68k▲

Distributable reserves133€53k€68k▲

Amounts payable17/49€20k€27k▲

Amounts payable within one year42/48€18k€26k▲

Current portion of amounts payable after more than one year42€0-

Trade debts44€677€84▼

Suppliers440/4€677€84▼

Taxes, remuneration and social security45€0€2k▲

Taxes450/3€0€2k▲

Other amounts payable47/48€18k€23k▲

Accrued charges and deferred income492/3€1k€1k▲

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€1k▼

Other operating charges640/8€1k€2k▲

Gross operating margin9900€9k€28k▲

Operating profit (loss)9901€6k€25k▲

Financial income75/76B€16€51▲

Recurring financial income75€16€51▲

Financial charges65/66B€2k€2k▲

Recurring financial charges65€2k€2k▲

Profit (loss) for the period before taxes9903€4k€23k▲

Income taxes67/77€2k€8k▲

Profit (loss) for the period9904€3k€15k▲

Profit (loss) for the period to be appropriated9905€3k€15k▲

Appropriation of the result

Profit (loss) to be appropriated9906€3k€15k▲

Transfer to equity691/2€3k€15k▲

To other reserves6921€3k€15k▲

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 6Financial 1Filings 5

Next filing, fiscal year 2026, expected by 31-07-2027

2026

01-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

04-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 4 days late

2024

31-12

Financial Weakest financial yearnet €3k ▼84.2%

Net result drops to €3k, the lowest in the series; recovery starts the following year.

28-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

04-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

29-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 29 days late

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, Ieper · 1 establishment unit since 2020

establishment The establishment unit on the map

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.

Zonnebeekseweg 1948900 Ieper

Ground area

5,769 m²

Building footprint

283 m²

Volume, LiDAR

1,291 m³

Parcel 33302B0120/00N000, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

COMYN FILIP

Zonnebeekseweg 194, 8900 IeperGeneral construction of buildings

since 20202.306.639.214

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
33302B0120/00N000	Flanders	5,769 m²	1 · 283 m²	9.0 m · 2 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1

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

Anderlecht · Eq €88,418

Remento

BE 0747.874.156

Aartselaar · Eq €88,440

Consulting and Finance

BE 0776.613.375

Asse · Eq €88,446

MAISON PONCIN Nicolas

BE 0874.623.066

Etalle · Eq €88,467

Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 13,171 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded03-09-2020

Fiscal year end31-12

Activities, NACEBEL 2025

41001General construction of residential buildings

43211General electrical installation work

43320Joinery installation

43410Roofing work

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.