Firmin Comble
ActiveThe computed 12-month bankruptcy probability of Firmin Comble is 3.8% (moderate). The 2024 annual accounts show equity of €33k and a net result of €-5k. Its solvency ranks better than 95% of 36373 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-100
Solvency100▲+4
Growth32
Track record94
Bankruptcy probability, 12 months
3.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 20.1 against 2.67 in 2023; short-term debt: 3.7% and cash: 54.5% of total assets), and 4.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
95.4%
Return on assets
-15.2%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-09-2025, 41 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 · 2 filingsDeviation from the deadline
2025
not confirmed
2024
41 d late
2023
8 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€33k▼ 13.7%
2023 · €38k
2023: €38k
2023 → 2024
Total assets
€35k▼ 35.4%
2023 · €53k
2023: €53k
2023 → 2024
Net result
€-5k
2023 · €35k
2023: €35k
2023 → 2024
Working capital
€25k▼ 3.5%
2023 · €26k
2023: €26k
2023 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232024Trend
Equity€38k-€33k▼ 13.7%
Operating result€49k-€-5k
Net result€35k-€-5k
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 2024: a loss of €5k after €49k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €35k
Fixed assets
€9k▼ 31.8%
Current assets
€26k▼ 36.5%
Equity and liabilities €35k
Equity
€33k▼ 13.7%
Debt
€2k▼ 89.5%
The debt ratio falls from 28.6% to 4.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-1k▼
2023 · €52k
Cash flow
€-1k▼
2023 · €39k
Solvency
95.4%▲
2023 · 71.4%
Current ratio
20.10▲
2023 · 2.67
Quick ratio
20.10▲
2023 · 2.67
Debt / equity
0.05▼
2023 · 0.40
ROE
-15.9%▼
2023 · 92.1%
ROA
-15.2%▼
2023 · 65.8%
Interest coverage
-30.06▼
2023 · 288.15
Debt
€2k▼
2023 · €15k
Debt ≤ 1 year
€1k▼
2023 · €15k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€53k€35k▼
Fixed assets21/28€13k€9k▼
Tangible fixed assets22/27€13k€9k▼
Furniture and vehicles24€13k€9k▼
Current assets29/58€41k€26k▼
Amounts receivable within one year40/41€8k€6k▼
Trade receivables40€8k€6k▼
Other amounts receivable41-€74
Cash at bank and in hand54/58€29k€19k▼
Deferred charges and accrued income490/1€3k€684▼
Equity and liabilities
Total equity and liabilities10/49€53k€35k▼
Equity10/15€38k€33k▼
Contributions10/11€3k€3k=
Reserves13€35k€35k=
Distributable reserves133€35k€35k=
Profit (loss) carried forward14-€-5k
Amounts payable17/49€15k€2k▼
Amounts payable within one year42/48€15k€1k▼
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€13k€0▼
Taxes450/3€13k€0▼
Other amounts payable47/48€217-
Accrued charges and deferred income492/3-€315
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Other operating charges640/8€5€116▲
Gross operating margin9900€52k€-1k▼
Operating profit (loss)9901€49k€-5k▼
Financial income75/76B€9€4▼
Recurring financial income75€9€4▼
Financial charges65/66B€182€39▼
Recurring financial charges65€182€39▼
Profit (loss) for the period before taxes9903€48k€-5k▼
Income taxes67/77€13k-
Profit (loss) for the period9904€35k€-5k▼
Profit (loss) for the period to be appropriated9905€35k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€35k€-5k▼
Transfer to equity691/2€35k-
To other reserves6921€35k-
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
10-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 41 days late
2024
31-12
Financial
Liquidity times 8current ratio 20.10
Current ratio from 2.67 to 20.10; short-term debt falls from €15k to €1k.
08-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 8 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, Hotton · 1 establishment unit since 2022
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 Lava,Fronville 526990 HottonGround area
792 m²
Building footprint
141 m²
Parcel 83322C0003/02V000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Firmin Comble
since 20222.340.180.626
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 83322C0003/02V000 | Wallonia | 792 m² | 1 · 141 m² | - |
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.
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VEPACO SYSTEMS
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NetCad
BE 0816.728.815
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ESA TECH
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PIERRE MONNOYE SPRL
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Of 1,123 companies in sector 43212 we hold annual accounts for 420. 345 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-12-2022
Fiscal year end31-12
Activities, NACEBEL
43212Electrical installation work in industrial facilities
42220Construction of utility projects for electricity and telecommunications
43211General electrical installation work
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:firmin.comble@hotmail.com