CONFORTY
ActiveSummary
CONFORTY has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.5m and a net result of €572,448. Equity is growing by ~23.3% per year across the filed fiscal years. Its solvency ranks better than 81% of 7940 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability89▼-10
Solvency97▼-2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €220,000 at 30 days acceptable
Liquidity ample (current ratio 3.02 against 3.05 in 2024; short-term debt: 27.3% and cash: 38.2% of total assets), and 27.8% of the assets are financed with debt.
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Signals
Five 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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
72.2%
Return on assets
16.4%
Age of the figures
9 mo
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 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
34 d early
2023
22 d early
2022
28 d early
2021
37 d early
2020
29 d early
2019
52 d early
← 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 31 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% 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. Usually files around 3 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#2 employer in Fernelmont, Construction sector#4 company by equity in Fernelmont, Construction sector#6 oldest company in Fernelmont, Construction sector
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€572,448▼ 9.5%
2024 · €632,455
Working capital
€1.9m▲ 39.0%
2024 · €1.4m
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, 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€85,653▲ 72.2%€290,353▲ 239%€430,074▲ 48.1%€841,923▲ 95.8%€770,870▼ 8.4%
Net result€44,320within the sector's middle half▲ 78.6%€207,258above the sector's middle half▲ 368%€312,075above the sector's middle half▲ 50.6%€632,455above the sector's middle half▲ 103%€572,448above the sector's middle half▼ 9.5%
Equity€794,491above the sector's middle half▲ 5.9%€1.0mabove the sector's middle half▲ 26.1%€1.3mabove the sector's middle half▲ 31.2%€1.9mabove the sector's middle half▲ 48.1%€2.5mabove the sector's middle half▲ 29.4%
Total assets€2.3mabove the sector's middle half▼ 4.2%€2.3mabove the sector's middle half▲ 0.8%€2.0mabove the sector's middle half▼ 14.4%€2.6mabove the sector's middle half▲ 33.5%€3.5mabove the sector's middle half▲ 32.3%
Debt€1.5m▼ 8.8%€1.3m▼ 12.6%€661,069▼ 49.4%€690,491▲ 4.5%€968,836▲ 40.3%
Working capital€1.4mabove the sector's middle half▲ 3.3%€1.3mabove the sector's middle half▼ 7.7%€1.0mabove the sector's middle half▼ 20.2%€1.4mabove the sector's middle half▲ 32.0%€1.9mabove the sector's middle half▲ 39.0%
Solvency34.7%within the sector's middle half▲ 3.3pp43.4%within the sector's middle half▲ 8.7pp66.5%above the sector's middle half▲ 23.1pp73.8%above the sector's middle half▲ 7.3pp72.2%above the sector's middle half▼ 1.6pp
Current ratio3.09above the sector's middle half▲ 0.432.89above the sector's middle half▼ 0.203.33above the sector's middle half▲ 0.443.05above the sector's middle half▼ 0.283.02within the sector's middle half▼ 0.03
Return on assets (ROA)1.9%within the sector's middle half▲ 0.9pp9.0%within the sector's middle half▲ 7.0pp15.8%above the sector's middle half▲ 6.8pp24.0%above the sector's middle half▲ 8.2pp16.4%above the sector's middle half▼ 7.6pp
Staff (FTE)29.4above the sector's middle half▲ 0.3%28.8above the sector's middle half▼ 2.0%29.1above the sector's middle half▲ 1.0%29.4above the sector's middle half▲ 1.0%32.7above the sector's middle half▲ 11.2%
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 8% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.5m
Fixed assets
€612,714 ▲ 5.9%
Current assets
€2.9m ▲ 39.7%
Equity and liabilities €3.5m
Equity
€2.5m ▲ 29.4%
Debt
€968,836 ▲ 40.3%
Debt's share of the balance-sheet total rises from 26.2% to 27.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€937,534▼
2024 · €972,809
Cash flow
€739,112▼
2024 · €763,342
Quick ratio
2.83▲
2024 · 2.78
Debt to equity
0.38▲
2024 · 0.35
ROE
22.7%▼
2024 · 32.5%
Interest coverage
123.10▼
2024 · 165.58
Debt ≤ 1 year
€951,448▲
2024 · €674,491
Income taxes
€197,256▼
2024 · €218,838
Staff costs
€2.0m▲
2024 · €1.6m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 20,134 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 95% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.2%
went bankrupt
4.7%
stopped otherwise
95%
still going
For this company itself Checked computes a bankruptcy probability of 0.6% 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 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
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 20,134 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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €3,303 | - | - | - | - |
| Remuneration, social security and pensions62 | €1.5m | €1.5m | €1.7m | €1.6m | €2.0m | ▲ 22.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €48,307 | €58,317 | €92,589 | €130,886 | €166,664 | ▲ 27.3% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | €104,861 | €1,805 | ▼ 98.3% |
| Other operating charges640/8 | €8,604 | €50,054 | €12,708 | €25,023 | €8,273 | ▼ 66.9% |
| Non-recurring operating charges66A | - | €4,253 | - | - | - | - |
| Gross operating margin9900 | €1.6m | €1.9m | €2.2m | €2.7m | €2.9m | ▲ 7.4% |
| Operating profit (loss)9901 | €85,653 | €290,353 | €430,074 | €841,923 | €770,870 | ▼ 8.4% |
| Financial income75/76B | €75 | €339 | €115 | €15,245 | €6,450 | ▼ 57.7% |
| Recurring financial income75 | €75 | €339 | €115 | €15,245 | €6,450 | ▼ 57.7% |
| Non-recurring financial income76B | - | €339 | €115 | - | - | - |
| Financial charges65/66B | €12,286 | €7,339 | €2,115 | €5,875 | €7,616 | ▲ 29.6% |
| Recurring financial charges65 | €12,286 | €2,519 | €687 | €5,875 | €7,616 | ▲ 29.6% |
| Non-recurring financial charges66B | - | €4,820 | €1,428 | - | - | - |
| Profit (loss) for the period before taxes9903 | €73,443 | €283,353 | €428,074 | €851,293 | €769,704 | ▼ 9.6% |
| Income taxes67/77 | €29,122 | €76,094 | €116,000 | €218,838 | €197,256 | ▼ 9.9% |
| Profit (loss) for the period9904 | €44,320 | €207,258 | €312,075 | €632,455 | €572,448 | ▼ 9.5% |
| Profit (loss) for the period to be appropriated9905 | €44,320 | €207,258 | €312,075 | €632,455 | €572,448 | ▼ 9.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.3m | €2.3m | €2.0m | €2.6m | €3.5m | ▲ 32.3% |
| Fixed assets21/28 | €185,580 | €298,891 | €477,694 | €578,796 | €612,714 | ▲ 5.9% |
| Tangible fixed assets22/27 | €145,682 | €251,408 | €427,102 | €522,332 | €541,114 | ▲ 3.6% |
| Plant, machinery and equipment23 | €41,647 | €35,185 | €30,158 | €27,459 | €57,158 | ▲ 108% |
| Furniture and vehicles24 | €70,571 | €187,088 | €372,138 | €474,395 | €467,807 | ▼ 1.4% |
| Other tangible fixed assets26 | €33,463 | €29,135 | €24,806 | €20,477 | €16,148 | ▼ 21.1% |
| Financial fixed assets28 | €39,899 | €47,483 | €50,592 | €56,464 | €71,600 | ▲ 26.8% |
| Current assets29/58 | €2.1m | €2.0m | €1.5m | €2.1m | €2.9m | ▲ 39.7% |
| Stocks and contracts in progress3 | €256,500 | €184,470 | €164,240 | €179,960 | €182,250 | ▲ 1.3% |
| Stocks30/36 | €256,500 | €184,470 | €164,240 | €179,960 | €182,250 | ▲ 1.3% |
| Amounts receivable within one year40/41 | €1.1m | €1.5m | €997,658 | €1.1m | €1.3m | ▲ 22.4% |
| Trade receivables40 | €1.0m | €1.4m | €920,463 | €1.0m | €1.3m | ▲ 26.0% |
| Other amounts receivable41 | €71,798 | €121,810 | €77,195 | €79,225 | €61,055 | ▼ 22.9% |
| Cash at bank and in hand54/58 | €706,834 | €260,051 | €302,459 | €748,191 | €1.3m | ▲ 78.3% |
| Deferred charges and accrued income490/1 | €22,320 | €22,923 | €32,842 | €44,537 | €30,157 | ▼ 32.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.3m | €2.3m | €2.0m | €2.6m | €3.5m | ▲ 32.3% |
| Equity10/15 | €794,491 | €1.0m | €1.3m | €1.9m | €2.5m | ▲ 29.4% |
| Contributions10/11 | €150,000 | €150,000 | €150,000 | €150,000 | €150,000 | = |
| Capital10 | €150,000 | - | - | - | - | - |
| Issued capital100 | €150,000 | - | - | - | - | - |
| Reserves13 | €133,625 | €133,625 | €133,625 | €133,625 | €133,625 | = |
| Non-distributable reserves130/1 | €15,000 | €15,000 | €15,000 | €15,000 | €15,000 | = |
| Legal reserve130 | €15,000 | - | - | - | - | - |
| Reserves not available under the articles1311 | - | €15,000 | €15,000 | €15,000 | €15,000 | = |
| Tax-exempt reserves132 | €5,000 | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Distributable reserves133 | €113,625 | €113,625 | €113,625 | €113,625 | €113,625 | = |
| Profit (loss) carried forward14 | €510,866 | €718,125 | €1.0m | €1.7m | €2.2m | ▲ 34.4% |
| Amounts payable17/49 | €1.5m | €1.3m | €661,069 | €690,491 | €968,836 | ▲ 40.3% |
| Amounts payable after more than one year17 | €800,000 | €600,000 | €200,000 | - | - | - |
| Other amounts payable178/9 | €800,000 | €600,000 | €200,000 | - | - | - |
| Amounts payable within one year42/48 | €679,642 | €694,029 | €449,069 | €674,491 | €951,448 | ▲ 41.1% |
| Financial debts43 | €108,342 | €10,469 | €8,478 | €33,817 | €50,556 | ▲ 49.5% |
| Credit institutions430/8 | €108,342 | €10,469 | €8,478 | €33,817 | €50,556 | ▲ 49.5% |
| Trade debts44 | €545,470 | €579,351 | €380,577 | €478,914 | €831,121 | ▲ 73.5% |
| Suppliers440/4 | €545,470 | €579,351 | €380,577 | €478,914 | €831,121 | ▲ 73.5% |
| Taxes, remuneration and social security45 | €25,831 | €104,210 | €60,014 | €161,761 | €69,771 | ▼ 56.9% |
| Taxes450/3 | - | €52,500 | - | €24,352 | €68 | ▼ 99.7% |
| Remuneration and social security454/9 | €25,831 | €51,710 | €60,014 | €137,409 | €69,703 | ▼ 49.3% |
| Accrued charges and deferred income492/3 | €14,750 | €11,400 | €12,000 | €16,000 | €17,389 | ▲ 8.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €44,320 | €207,258 | €312,075 | €632,455 | €572,448 | ▼ 9.5% |
| + Depreciation and write-downs630 | €48,307 | €58,317 | €92,589 | €130,886 | €166,664 | ▲ 27.3% |
| Operating cash flow (approximation) | €92,627 | €265,575 | €404,663 | €763,342 | €739,112 | ▼ 3.2% |
| Investment in fixed assets (approximation) | - | -€171,628 | -€271,392 | -€231,988 | -€200,582 | ▲ 13.5% |
| Change in cash | - | -€446,782 | €42,408 | €445,731 | €585,475 | ▲ 31.4% |
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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
05-06
State Gazette act
Appointment: SRL Be Audit (statutory auditor)Registered office clause3 facts ▸
State Gazette act
Appointment: SRL Be Audit (statutory auditor)
Registered office clause3 facts ▸
- Registered office clause, Rue Georges Cosse 20, 5380 Fernelmont
- General meeting, 17-11-2025
- Auditor appointment, SRL Be Audit (statutory auditor)
2025
31-12
Financial
Equity above €2mEq €2.5m ▲29.4%
8 profitable years in a row build equity to €2.5m.
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2018net €632,455 ▲103%
Operating result €841,923, net result €632,455, both a record.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Equity above €1mEq €1.0m ▲26.1%
5 profitable years in a row build equity to €1.0m.
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
09-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
04-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
19-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 7 acts read
About the unread acts
Of the 7 Belgian State Gazette acts we know for this company, 1 has been read. The other 6 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
Statutory auditor 1
BE Audit SRL
CurrentStatutory auditor · since 31-12-2025
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Location & real-estate footprint
Registered office, Fernelmont · 1 establishment unit since 1996
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 Georges Cosse, ZI, Nov. 205380 Fernelmont1 establishment unit
CONFORTY
since 19962.075.524.341
Mandate history
1 person since 2025, 1 in office
- Statutory auditor
| Name | Functions and periods |
|---|---|
| BE Audit SRL |
|
Structure & network
Owners and holdings
1 ownerChain of control
- Leo Special Building Techniques
- CONFORTY
Highest known parent: Leo Special Building Techniques. The sources do not say who stands above it.
Owners 1
-
100%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Recognitions · licences · registrations
Recognised contractor
3 categoriesCONFORTY SRL23736
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Of 9,537 companies in sector 43222 we hold annual accounts for 5,668. 1,752 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
Founded05-01-1996
Fiscal year end31-12
Activities, NACEBEL 2025
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
47789Other retail sale of new goods
E-invoicing
Reachable via Peppol
Peppol ID
0208:0456917609
Also
9925:BE0456917609
Registered
24-07-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.