Confort-Plan
ActiveSummary
Confort-Plan has been active since 1973 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €123,498 and a net result of -€4,931. Equity is shrinking by ~7.7% per year across the filed fiscal years. Its solvency ranks better than 83% of 11472 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability15▼-60
Solvency100=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9,000 at 30 days acceptable
Liquidity ample (current ratio 5.19 against 4.92 in 2024; short-term debt: 17.7% and cash: 45.3% of total assets), and 17.8% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-08-2026, 23 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 · 10 filingsDeviation from the deadline
2025
23 d late
2024
21 d late
2023
26 d late
2022
29 d late
2021
29 d late
2020
31 d late
2019
91 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 36 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
neutral · 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 monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€123,498▼ 3.8%
2024 · €128,429
Total assets
€150,171▼ 4.9%
2024 · €157,926
Net result
-€4,931
2024 · €7,822
Working capital
€111,609▼ 3.5%
2024 · €115,715
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, 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
Line20212022202320242025
Operating result-€13,391-€10,724▲ 19.9%-€24,474▼ 128%€7,914-€5,606
Net result-€1,747within the sector's middle half-€18,497below the sector's middle half▼ 959%-€23,803below the sector's middle half▼ 28.7%€7,822within the sector's middle half-€4,931below the sector's middle half
Equity€227,012above the sector's middle half▼ 0.8%€208,516above the sector's middle half▼ 8.1%€122,273within the sector's middle half▼ 41.4%€128,429within the sector's middle half▲ 5.0%€123,498within the sector's middle half▼ 3.8%
Total assets€234,853within the sector's middle half▼ 0.4%€220,667within the sector's middle half▼ 6.0%€150,280within the sector's middle half▼ 31.9%€157,926within the sector's middle half▲ 5.1%€150,171within the sector's middle half▼ 4.9%
Debt€7,841▲ 10.7%€12,151▲ 55.0%€28,007▲ 131%€29,497▲ 5.3%€26,674▼ 9.6%
Working capital€211,311▼ 1.2%€194,583▼ 7.9%€109,146▼ 43.9%€115,715▲ 6.0%€111,609▼ 3.5%
Solvency96.7%above the sector's middle half▼ 0.3pp94.5%above the sector's middle half▼ 2.2pp81.4%above the sector's middle half▼ 13.1pp81.3%above the sector's middle half=82.2%above the sector's middle half▲ 0.9pp
Staff (FTE)1=1=1=1=1=
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €5,606 after €7,914 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €150,171
Fixed assets
€11,918 ▼ 6.3%
Current assets
€138,254 ▼ 4.8%
Equity and liabilities €150,171
Equity
€123,498 ▼ 3.8%
Debt
€26,674 ▼ 9.6%
Debt's share of the balance-sheet total falls from 18.7% to 17.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€4,809▼
2024 · €8,710
Cash flow
-€4,134▼
2024 · €8,619
Current ratio
5.19▲
2024 · 4.92
Quick ratio
4.38▲
2024 · 4.19
Debt to equity
0.22▼
2024 · 0.23
ROE
-4.0%▼
2024 · 6.1%
ROA
-3.3%▼
2024 · 5.0%
Interest coverage
-10.93▼
2024 · 19.21
Debt ≤ 1 year
€26,645▼
2024 · €29,497
Income taxes
€157▼
2024 · €976
Staff costs
€17,958▲
2024 · €12,197
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 12,304 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 90% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a small loss
0.6%
went bankrupt
8.6%
stopped otherwise
90%
still going
A further 0.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.4% 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 12,304 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 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €9,424 | €9,880 | €10,752 | €12,197 | €17,958 | ▲ 47.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,048 | €925 | €797 | €797 | €797 | = |
| Other operating charges640/8 | €882 | €1,942 | €1,591 | €1,735 | €11,010 | ▲ 535% |
| Gross operating margin9900 | -€1,037 | €2,024 | -€11,335 | €22,642 | €24,159 | ▲ 6.7% |
| Operating profit (loss)9901 | -€13,391 | -€10,724 | -€24,474 | €7,914 | -€5,606 | ▼ 171% |
| Financial income75/76B | €9,462 | €1,102 | €1,453 | €1,337 | €1,271 | ▼ 4.9% |
| Recurring financial income75 | €9,462 | €1,102 | €1,453 | €1,337 | €1,271 | ▼ 4.9% |
| Financial charges65/66B | €156 | €8,541 | €594 | €453 | €440 | ▼ 2.9% |
| Recurring financial charges65 | €156 | €8,541 | €594 | €453 | €440 | ▼ 2.9% |
| Profit (loss) for the period before taxes9903 | -€4,085 | -€18,163 | -€23,615 | €8,798 | -€4,775 | ▼ 154% |
| Income taxes67/77 | -€2,338 | €334 | €188 | €976 | €157 | ▼ 84.0% |
| Profit (loss) for the period9904 | -€1,747 | -€18,497 | -€23,803 | €7,822 | -€4,931 | ▼ 163% |
| Profit (loss) for the period to be appropriated9905 | -€1,747 | -€18,497 | -€23,803 | €7,822 | -€4,931 | ▼ 163% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €234,853 | €220,667 | €150,280 | €157,926 | €150,171 | ▼ 4.9% |
| Fixed assets21/28 | €15,701 | €13,933 | €13,511 | €12,715 | €11,918 | ▼ 6.3% |
| Tangible fixed assets22/27 | €14,787 | €13,019 | €12,222 | €11,426 | €10,629 | ▼ 7.0% |
| Land and buildings22 | €12,332 | €11,832 | €11,332 | €10,832 | €10,332 | ▼ 4.6% |
| Furniture and vehicles24 | €971 | - | - | - | - | - |
| Other tangible fixed assets26 | €1,484 | €1,187 | €890 | €594 | €297 | ▼ 50.0% |
| Financial fixed assets28 | €914 | €914 | €1,289 | €1,289 | €1,289 | = |
| Current assets29/58 | €219,152 | €206,734 | €136,769 | €145,212 | €138,254 | ▼ 4.8% |
| Stocks and contracts in progress3 | €28,359 | €25,487 | €21,374 | €21,749 | €21,477 | ▼ 1.3% |
| Stocks30/36 | €28,359 | €25,487 | €21,374 | €21,749 | €21,477 | ▼ 1.3% |
| Amounts receivable within one year40/41 | €73,463 | €73,383 | €17,607 | €13,871 | €5,353 | ▼ 61.4% |
| Trade receivables40 | €18,380 | €15,971 | €17,436 | €13,871 | €5,303 | ▼ 61.8% |
| Other amounts receivable41 | €55,083 | €57,411 | €171 | - | €51 | - |
| Current investments50/53 | €44,559 | €37,125 | €37,125 | €37,125 | €37,125 | = |
| Cash at bank and in hand54/58 | €70,072 | €67,450 | €57,325 | €69,713 | €67,956 | ▼ 2.5% |
| Deferred charges and accrued income490/1 | €2,699 | €3,289 | €3,338 | €2,754 | €6,342 | ▲ 130% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €234,853 | €220,667 | €150,280 | €157,926 | €150,171 | ▼ 4.9% |
| Equity10/15 | €227,012 | €208,516 | €122,273 | €128,429 | €123,498 | ▼ 3.8% |
| Contributions10/11 | €43,381 | €43,381 | €61,973 | €61,973 | €61,973 | = |
| Reserves13 | €25,223 | €25,223 | €27,083 | €33,238 | €33,238 | = |
| Non-distributable reserves130/1 | €4,338 | €4,338 | - | - | - | - |
| Reserves not available under the articles1311 | €4,338 | €4,338 | - | - | - | - |
| Tax-exempt reserves132 | €8,833 | - | - | - | - | - |
| Distributable reserves133 | €12,052 | €20,885 | €27,083 | €33,238 | €33,238 | = |
| Profit (loss) carried forward14 | €158,408 | €139,911 | €33,217 | €33,217 | €28,286 | ▼ 14.8% |
| Amounts payable17/49 | €7,841 | €12,151 | €28,007 | €29,497 | €26,674 | ▼ 9.6% |
| Amounts payable within one year42/48 | €7,841 | €12,151 | €27,623 | €29,497 | €26,645 | ▼ 9.7% |
| Current portion of amounts payable after more than one year42 | €1,672 | - | - | - | - | - |
| Trade debts44 | €2,729 | €5,711 | €7,777 | €6,418 | €2,258 | ▼ 64.8% |
| Suppliers440/4 | €2,729 | €5,711 | €7,777 | €6,418 | €2,258 | ▼ 64.8% |
| Taxes, remuneration and social security45 | €2,006 | €5,021 | €3,249 | €4,739 | €5,624 | ▲ 18.7% |
| Taxes450/3 | €778 | €2,851 | €365 | €2,496 | €2,492 | ▼ 0.2% |
| Remuneration and social security454/9 | €1,228 | €2,170 | €2,884 | €2,244 | €3,132 | ▲ 39.6% |
| Other amounts payable47/48 | €1,434 | €1,419 | €16,597 | €18,339 | €18,763 | ▲ 2.3% |
| Accrued charges and deferred income492/3 | - | - | €384 | - | €29 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€1,747 | -€18,497 | -€23,803 | €7,822 | -€4,931 | ▼ 163% |
| + Depreciation and write-downs630 | €2,048 | €925 | €797 | €797 | €797 | = |
| Operating cash flow (approximation) | €301 | -€17,572 | -€23,006 | €8,619 | -€4,134 | ▼ 148% |
| Investment in fixed assets (approximation) | - | €843 | -€375 | €0 | €0 | - |
| Change in cash | - | -€2,622 | -€10,125 | €12,388 | -€1,756 | ▼ 114% |
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
Next filing, fiscal year 2026, expected by
2026
23-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 23 days late
2025
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
31-12
Financial
Back to profitnet €7,822
Net result €7,822 after 3 loss-making years.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €3,931
Net result €3,931 after 2 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 38.09
Current ratio from 13.06 to 38.09; short-term debt falls from €16,743 to €5,766.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
11-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 11 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, Antwerpen · 1 establishment unit since 1974
Ground area
264 m²
Building footprint
102 m²
Volume, LiDAR
733 m³
Parcel 11382A0309/00P002, Flanders · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CONFORT PLAN
since 19742.009.632.637
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11382A0309/00P002 | Flanders | 264 m² | 1 · 102 m² | 11.0 m · 3 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.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 4,000 EUR awarded · 4,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,000 EUR | 2,000 EUR |
| 2023 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
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Of 679 companies in sector 46494 we hold annual accounts for 530. 378 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
Founded31-08-1973
Fiscal year end31-12
Activities, NACEBEL 2025
46494Wholesale of non-electrical household articles
47551Retail sale of household furniture
E-invoicing
Reachable via Peppol
Peppol ID
0208:0413670356
Also
9925:BE0413670356
Registered
25-08-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.