CONFORTLUXE
ActiveSummary
CONFORTLUXE has been active since 1972 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €11.04M and a net result of €1.53M. Equity remains stable across the filed fiscal years (±1.8% per year). Its solvency ranks better than 87% of 130 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▲+9
Solvency100=
Growth73▲+5
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €850k at 30 days acceptable
Liquidity ample (current ratio 5.88 against 5.62 in 2024; short-term debt: 15.3% and cash: 10.9% of total assets), and 19.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
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
80.3%
Return on assets
11.1%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 31
Relative position
BE, all sectors
reference
Sector 31
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €11.04M
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
13 d early
2023
6 d early
2022
12 d early
2021
11 d early
2020
11 d early
2019
22 d early
← 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, full schema
Turnover
€33.03M▲ 40.8%
2024 · €23.46M
2018: €17.55M
2019: €19.28M
2020: €19.34M
2021: €21.68M
2022: €20.34M
2023: €17.32M
2024: €23.46M
2018 → 2025
EBIT margin
7.0%▲ 3.3pp
2024 · 3.7%
2018: 0.7%
2019: 1.8%
2020: 6.8%
2021: 6.3%
2022: 0.9%
2023: 1.5%
2024: 3.7%
2018 → 2025
Net result
€1.53M▲ 127%
2024 · €674k
2018: €102k
2019: €44k
2020: €832k
2021: €1.07M
2022: €112k
2023: €250k
2024: €674k
2018 → 2025
Working capital
€10.30M▲ 17.4%
2024 · €8.77M
2018: €7.85M
2019: €7.83M
2020: €6.85M
2021: €7.50M
2022: €4.56M
2023: €4.77M
2024: €8.77M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€21.68M-€20.34M▼ 6.2%€17.32M▼ 14.9%€23.46M▲ 35.5%€33.03M▲ 40.8%
Equity€8.55M-€5.16M▼ 39.6%€5.41M▲ 4.8%€9.50M▲ 75.6%€11.04M▲ 16.1%
Operating result€1.37M-€177k▼ 87.1%€255k▲ 43.7%€868k▲ 240%€2.30M▲ 165%
Net result€1.07M-€112k▼ 89.5%€250k▲ 123%€674k▲ 170%€1.53M▲ 127%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 165% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €13.75M
Fixed assets
€1.35M ▲ 7.7%
Current assets
€12.41M ▲ 16.3%
Equity and liabilities €13.75M
Equity
€11.04M ▲ 16.1%
Provisions
€604k ▲ 17.6%
Debt
€2.11M ▲ 11.2%
Debt's share of the balance-sheet total falls from 15.9% to 15.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€2.43M▲
2024 · €966k
Cash flow
€1.66M▲
2024 · €772k
Current ratio
5.88▲
2024 · 5.62
Quick ratio
4.44▲
2024 · 4.18
Debt to equity
0.19▼
2024 · 0.20
ROE
13.9%▲
2024 · 7.1%
ROA
11.1%▲
2024 · 5.7%
Interest coverage
683.77▲
2024 · 63.84
Debt ≤ 1 year
€2.11M▲
2024 · €1.90M
Income taxes
€516k▲
2024 · €240k
Staff costs
€2.54M▼
2024 · €2.86M
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 · 83 lines
Balance sheet
Code20242025
Assets
Total assets20/58€11.92M€13.75M▲
Fixed assets21/28€1.25M€1.35M▲
Intangible fixed assets21€167k€217k▲
Tangible fixed assets22/27€1.08M€1.13M▲
Land and buildings22€927k€918k▼
Plant, machinery and equipment23€80k€158k▲
Furniture and vehicles24€58k€38k▼
Other tangible fixed assets26€17k€14k▼
Financial fixed assets28€0-
Other financial fixed assets284/8€0-
Amounts receivable and cash guarantees285/8€0-
Current assets29/58€10.67M€12.41M▲
Stocks and contracts in progress3€2.73M€3.04M▲
Stocks30/36€2.73M€3.04M▲
Raw materials and consumables30/31€5k€6k▲
Goods purchased for resale34€2.72M€3.03M▲
Advance payments36€0-
Amounts receivable within one year40/41€4.17M€4.62M▲
Trade receivables40€4.14M€4.47M▲
Other amounts receivable41€27k€150k▲
Current investments50/53€1.80M€3.24M▲
Other investments51/53€1.80M€3.24M▲
Cash at bank and in hand54/58€1.95M€1.50M▼
Deferred charges and accrued income490/1€19k€12k▼
Equity and liabilities
Total equity and liabilities10/49€11.92M€13.75M▲
Equity10/15€9.50M€11.04M▲
Contributions10/11€2.61M€2.61M=
Capital10€2.61M€2.61M=
Issued capital100€2.61M€2.61M=
Reserves13€6.89M€8.43M▲
Non-distributable reserves130/1€261k€261k=
Legal reserve130€261k€261k=
Tax-exempt reserves132€251k€988k▲
Distributable reserves133€6.38M€7.18M▲
Provisions and deferred taxes16€513k€604k▲
Provisions for liabilities and charges160/5€513k€604k▲
Pensions and similar obligations160€342€0▼
Other liabilities and charges164/5€513k€604k▲
Deferred taxes168€0-
Amounts payable17/49€1.90M€2.11M▲
Amounts payable within one year42/48€1.90M€2.11M▲
Trade debts44€1.44M€1.48M▲
Suppliers440/4€1.44M€1.48M▲
Taxes, remuneration and social security45€412k€631k▲
Taxes450/3€48k€230k▲
Remuneration and social security454/9€365k€400k▲
Other amounts payable47/48€43k€3k▼
Income statement
Code20242025
Operating income70/76A€25.13M€34.13M▲
Turnover70€23.46M€33.03M▲
Other operating income74€1.62M€1.09M▼
Non-recurring operating income76A€52k€8k▼
Operating charges60/66A€24.26M€31.83M▲
Goods for resale, raw materials and consumables60€15.02M€20.88M▲
Purchases600/8€14.60M€21.19M▲
Change in stocks: decrease (increase)609€416k€-309k▼
Services and other goods61€5.66M€7.60M▲
Remuneration, social security and pensions62€2.86M€2.54M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€98k€125k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-84k€49k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€-108k€90k▲
Other operating charges640/8€756k€547k▼
Non-recurring operating charges66A€65k€0▼
Operating profit (loss)9901€868k€2.30M▲
Financial income75/76B€152k€167k▲
Recurring financial income75€152k€167k▲
Income from current assets751€74k€73k▼
Other financial income752/9€78k€94k▲
Financial charges65/66B€107k€420k▲
Recurring financial charges65€107k€420k▲
Debt charges650€15k€4k▼
Other financial charges652/9€91k€416k▲
Profit (loss) for the period before taxes9903€913k€2.05M▲
Transfer from deferred taxes780€295€0▼
Income taxes67/77€240k€516k▲
Taxes670/3€240k€516k▲
Profit (loss) for the period9904€674k€1.53M▲
Transfer from tax-exempt reserves789€884€0▼
Transfer to tax-exempt reserves689-€737k
Profit (loss) for the period to be appropriated9905€675k€796k▲
Appropriation of the result
Profit (loss) to be appropriated9906€675k€796k▲
Transfer to equity691/2€675k€796k▲
To other reserves6921€675k€796k▲
Social balance
Average headcount (FTE)908741.839.2▼
The notes to these accounts (67 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Highest result since 2018net €1.53M ▲127%
Operating result €2.30M, net result €1.53M, both a record.
31-12
Financial
Equity above €10MEq €11.04M ▲16.1%
8 profitable years in a row build equity to €11.04M.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Weakest financial yearnet €44k ▼57.2%
Net result drops to €44k, the lowest in the series; recovery starts the following year.
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
22-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
16 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, Wervik · 3 establishment units since 1973
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.
Menensesteenweg 408940 WervikGround area
2.9 ha
Building footprint
2.0 ha
Volume, LiDAR
138,982 m³
3 parcels, Flanders · tallest building 13.1 m, ±3 floors. Linked by address, not a title deed.
3 establishment units
CONFORTLUXE / BOXTRADE
since 19732.008.041.441
CONFORTLUXE
since 19982.008.041.540
DSTOCK
since 20082.174.818.291
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33029B0642/00R000 | Flanders | 2.0 ha | 1 · 1.7 ha | 13.1 m · 2 fl. |
| 33029B0759/00Y000 | Flanders | 8,912 m² | 1 · 2,672 m² | 13.1 m · 3 fl. |
| 33029B0136/00R003 | Flanders | 484 m² | 1 · 141 m² | 7.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Ownership & control
1 parent companyControl over this companyparent company per the LEI register1
Wervik · LEI lapsed
controls
CONFORTLUXEBE 0412.863.078
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 29 EUR awarded · 29 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 29 EUR | 29 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
5493006E3QDEIHM7CO43
Similar companies · same sector, comparable size
VINCENT SHEPPARD
BE 0456.646.801
Spiere-Helkijn · Eq €12.20M
EVAN FURNITURE
BE 0405.521.465
Zedelgem · Eq €9.70M
Hima
BE 0411.980.180
Kortemark · Eq €9.52M
Meubelfabriek Lievens
BE 0413.666.990
Tielt · Eq €13.25M
PERFECTA
BE 0415.525.630
Gavere · Eq €8.90M
Of 1,499 companies in sector 31004 we hold annual accounts for 620. 103 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 formPublic limited company
Founded29-12-1972
Fiscal year end31-12
Activities, NACEBEL 2025
31004Manufacture of dining room, living room, bedroom and bathroom furniture
46494Wholesale of non-electrical household articles
Sources
Crossroads Bank for EnterprisesNational Bank · 58 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.