CONFORTECH
ActiveSummary
CONFORTECH has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €238k and a net result of €22k. Equity is growing by ~14.2% per year across the filed fiscal years. Its solvency ranks better than 16% of 7777 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▼-1
Solvency39▼-7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity tight (current ratio 1.06 against 1.28 in 2024; short-term debt: 46.2% and cash: 13.4% of total assets), and 85.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
14.4%
Return on assets
1.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 7777 sector peers (2025).
NBB · sector comparisonPosition among 7777 sector peers
Solvency
better than 16%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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
29 d late
2024
8 d late
2023
30 d late
2022
30 d late
2021
64 d late
2020
65 d late
2019
81 d late
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€22k▲ 13.2%
2024 · €19k
2018: €17k
2019: €41k
2020: €22k
2021: €-466
2022: €22k
2023: €36k
2024: €19k
2018 → 2025
Working capital
€45k▼ 70.9%
2024 · €153k
2018: €45k
2019: €33k
2020: €101k
2021: €120k
2022: €137k
2023: €113k
2024: €153k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€139k-€161k▲ 15.5%€197k▲ 22.6%€217k▲ 9.7%€238k▲ 10.0%
Operating result€16k-€38k▲ 139%€70k▲ 87.9%€40k▼ 43.5%€45k▲ 13.9%
Net result€-466-€22k€36k▲ 68.1%€19k▼ 47.3%€22k▲ 13.2%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 14% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.65M
Fixed assets
€842k ▲ 174%
Current assets
€808k ▲ 14.3%
Equity and liabilities €1.65M
Equity
€238k ▲ 10.0%
Debt
€1.41M ▲ 77.1%
Debt's share of the balance-sheet total rises from 78.6% to 85.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€141k▲
2024 · €99k
Cash flow
€117k▲
2024 · €79k
Current ratio
1.06▼
2024 · 1.28
Quick ratio
0.58▼
2024 · 0.80
Debt to equity
5.92▲
2024 · 3.68
ROE
9.1%▲
2024 · 8.9%
ROA
1.3%▼
2024 · 1.9%
Interest coverage
8.59▲
2024 · 7.11
Debt ≤ 1 year
€763k▲
2024 · €553k
Debt > 1 year
€648k▲
2024 · €244k
Income taxes
€10k▲
2024 · €8k
Staff costs
€340k▲
2024 · €326k
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 · 56 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.01M€1.65M▲
Fixed assets21/28€307k€842k▲
Tangible fixed assets22/27€306k€841k▲
Land and buildings22€38k€33k▼
Plant, machinery and equipment23€237k€788k▲
Furniture and vehicles24€32k€21k▼
Financial fixed assets28€591€591=
Current assets29/58€706k€808k▲
Stocks and contracts in progress3€265k€369k▲
Stocks30/36€265k€369k▲
Amounts receivable within one year40/41€109k€168k▲
Trade receivables40€75k€134k▲
Other amounts receivable41€34k€34k=
Cash at bank and in hand54/58€282k€221k▼
Deferred charges and accrued income490/1€51k€50k▼
Equity and liabilities
Total equity and liabilities10/49€1.01M€1.65M▲
Equity10/15€217k€238k▲
Contributions10/11€19k€19k=
Reserves13€22k€22k=
Tax-exempt reserves132€20k€20k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€176k€198k▲
Amounts payable17/49€797k€1.41M▲
Amounts payable after more than one year17€244k€648k▲
Financial debts170/4€44k€463k▲
Other amounts payable178/9€200k€185k▼
Amounts payable within one year42/48€553k€763k▲
Current portion of amounts payable after more than one year42€19k€86k▲
Financial debts43€100k€100k=
Credit institutions430/8€100k€100k=
Trade debts44€182k€354k▲
Suppliers440/4€182k€354k▲
Taxes, remuneration and social security45€133k€100k▼
Taxes450/3€90k€49k▼
Remuneration and social security454/9€43k€51k▲
Other amounts payable47/48€119k€123k▲
Income statement
Code20242025
Remuneration, social security and pensions62€326k€340k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€60k€96k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-15k-
Other operating charges640/8€12k€11k▼
Non-recurring operating charges66A€625€7k▲
Gross operating margin9900€423k€499k▲
Operating profit (loss)9901€40k€45k▲
Financial income75/76B€1k€10k▲
Recurring financial income75€1k€357▼
Non-recurring financial income76B-€9k
Financial charges65/66B€14k€24k▲
Recurring financial charges65€14k€16k▲
Non-recurring financial charges66B-€7k
Profit (loss) for the period before taxes9903€27k€32k▲
Income taxes67/77€8k€10k▲
Profit (loss) for the period9904€19k€22k▲
Profit (loss) for the period to be appropriated9905€19k€22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€176k€198k▲
Profit (loss) brought forward from the previous period14P€157k€176k▲
Social balance
Average headcount (FTE)9087-5.0
The notes to these accounts (13 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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 29 days late
2025
08-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 8 days late
2024
31-12
Financial
Equity above €200kEq €217k ▲9.7%
3 profitable years in a row build equity to €217k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 30 days late
2022
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
31-12
Financial
Equity above €150kEq €161k ▲15.5%
Equity rises from €139k to €161k.
03-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 64 days late
2021
31-12
Financial
Weakest financial yearnet €-466 ▼102%
Net result drops to €-466, the lowest in the series; recovery starts the following year.
04-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 65 days late
2020
20-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 81 days late
2019
31-12
Financial
Highest result since 2018net €41k ▲138%
Net result €41k, the highest in the series.
Show earlier events
31-12
Financial
Equity above €100kEq €117k ▲59.1%
2 profitable years in a row build equity to €117k.
13-11
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 105 days late
2018
08-10
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 69 days late
10-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 163 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Ottignies-Louvain-la-Neuve · 1 establishment unit since 2000
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.
Rue de Profondsart 211342 Ottignies-Louvain-la-NeuveGround area
578 m²
Building footprint
98 m²
Volume, LiDAR
647 m³
Parcel 25056A0404/00S003, Wallonia · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue de Profondsart 21, 1342 Ottignies-Louvain-la-Neuve
since 20002.100.911.914
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25056A0404/00S003 | Wallonia | 578 m² | 1 · 98 m² | 7.9 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
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Of 11,135 companies in sector 43910 we hold annual accounts for 5,488. 4,402 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
Founded06-04-2000
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43910Bricklaying and masonry work
41003General construction of other non-residential buildings
43120Site preparation
43230Insulation installation
43410Roofing work
43422Screed work
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.