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FRANCOIS COMTE

Active
Private limited companyfounded 198937 yrs activeRue du Cornillon 44B, 4100 Seraing, BelgiumKBO/BCE: BE 0437.111.197
Summary

FRANCOIS COMTE has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €378,719 and a net result of €98,076. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 42% of 9592 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch ReportCompare
FRANCOIS COMTEActiveChecked score 95/100
Risk analysis ReportCompare

Overview

Activity
Wholesale of live animals
NACE 46231NACE 51230
1 site
Size
€1.0mtotal assets 2025
Equity
€378,719
Profit
€98,076
Financial health
95 Excellent Checked score 2025
Bankruptcy chance 12 m
0.1%
Structure
Accounts filed 8 d late0 of 1 deed read
Why 95- Sector Wholesale trade (NACE 46)+ Size: total assets €1.0m+ Founded in 1989+ Figures for FY 2025 (filed 08-08-2026)Show the evidence

Checked score

Score 2025
95 / 100
Excellent
Probability in this band: under 0.55%
Better than 57% of its sector peers (NACE 46, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 61-3
equity 36.3% of total assets
Liquidity 28-5
short-term debt 61.8% · cash 8.2%
Profitability 80+9
return on assets 9.4%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,865 companies)
Last 24 months 11-2024: 0.2% 12-2024: 0.2%● 0.0% vs 11-2024 01-2025: 0.2%● 0.0% vs 12-2024 02-2025: 0.2%● 0.0% vs 01-2025 03-2025: 0.2%▲ +1.7% vs 02-2025 04-2025: 0.2%▲ +10.6% vs 03-2025 05-2025: 0.2%▲ +2.0% vs 04-2025 06-2025: 0.2%▲ +16.3% vs 05-2025 07-2025: 0.1%▼ -78.0% vs 06-2025lowest value 08-2025: 0.1%● 0.0% vs 07-2025lowest value 09-2025: 0.1%● 0.0% vs 08-2025lowest value 10-2025: 0.1%● 0.0% vs 09-2025lowest value 11-2025: 0.1%● 0.0% vs 10-2025lowest value 12-2025: 0.1%● 0.0% vs 11-2025lowest value 01-2026: 0.1%● 0.0% vs 12-2025lowest value 02-2026: 0.1%▲ +1.9% vs 01-2026 03-2026: 0.1%▲ +3.8% vs 02-2026 04-2026: 0.1%▲ +5.5% vs 03-2026 05-2026: 0.1%▲ +10.3% vs 04-2026 06-2026: 0.1%▲ +12.5% vs 05-2026 07-2026: 0.1%▲ +26.4% vs 06-2026 08-2026: 0.3%▲ +197% vs 07-2026highest value 09-2026: 0.1%▼ -80.0% vs 08-2026 10-2026: 0.1%● 0.0% vs 09-2026
  • Size: total assets €1.0m lowers the probability for this profile
  • Founded in 1989 lowers the probability for this profile
  • Figures for FY 2025 (filed 08-08-2026) lowers the probability
  • Sector Wholesale trade (NACE 46) raises the probability
Credit up to €35,000 at 30 days acceptable
Liquidity tight (current ratio 1.44 against 1.4 in 2024; short-term debt: 61.8% and cash: 8.2% of total assets), and 63.7% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 46, micro). Better than this share of them on solvency 45%, liquidity 25%, profitability 73%, growth against the median 84%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Size: total assets €1.0m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Founded in 1989
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Figures for FY 2025 (filed 08-08-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Sector Wholesale trade (NACE 46)
In the bankruptcy model this factor raises the probability.
KBO
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 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year €378,719
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-08-2026, 8 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filings
Deviation from the deadline
2025
8 d late
2024
38 d early
2023
35 d early
2022
41 d early
2021
60 d early
2020
47 d early
2019
59 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 39 days before 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. Usually files around 23 June (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
04-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Highest result since 2018net €98,076 ▲103%
  3. Annual accounts filedfiscal year 2024 · full…

Key points

  • Positive: Equity rose in 2025from €276,053 to €378,719 ▲ 37.2% View
  • Active since 1989founded 28-03-1989 37 years View
  • Total assets 20256 fiscal years filed €1.0m View

By topic

Financials

Fiscal year
2025
Total assets
€1.0m
Profit
€98,076
Solvency
36.3%
Total assets▲ 46.5%
Net result
20182025
Go to Financials

Timeline

Events
14
Since
2017
Next accounts
by 31-07-2027
  1. 08-08-2026Annual accounts filed
  2. 31-12-2025Highest result since 2018
  3. 23-06-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Wholesale of live animalsNACE 46231
Founded
28-03-1989
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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