Komafi is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €26k and a net result of €16k. Its solvency ranks better than 83% of 3322 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
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 11-06-2025, 50 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
not confirmed
2024
50 d early
2023
61 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€26k▲ 164%
2023 · €10k
2023: €10k
2023 → 2024
Net result
€16k▲ 105%
2023 · €8k
2023: €8k
2023 → 2024
Total assets
€31k▲ 118%
2023 · €14k
2023: €14k
2023 → 2024
Solvency
83.6%▲ 14.5pp
2023 · 69.1%
2023: 69.1%
2023 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232024Trend
Equity€10k-€26k▲ 164%
Operating result€14k-€25k▲ 87.0%
Net result€8k-€16k▲ 105%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2024; 2024 is 87% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €31k
Fixed assets
€2k▼ 21.1%
Current assets
€30k▲ 142%
Equity and liabilities €31k
Equity
€26k▲ 164%
Debt
€5k▲ 16.0%
The debt ratio falls from 30.9% to 16.4%. Equity and debt are higher.
Key figures and ratios
Solvency
83.6%▲
2023 · 69.1%
ROE
62.1%▼
2023 · 79.9%
ROA
51.9%▼
2023 · 55.2%
Debt
€5k▲
2023 · €4k
Debt ≤ 1 year
€5k▲
2023 · €4k
Income taxes
€6k▲
2023 · €3k
Staff costs
€8
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€14k€31k▲
Fixed assets21/28€2k€2k▼
Tangible fixed assets22/27€2k€2k▼
Plant, machinery and equipment23€2k€2k▼
Current assets29/58€12k€30k▲
Amounts receivable within one year40/41€4k€3k▼
Other amounts receivable41€4k€3k▼
Cash at bank and in hand54/58€8k€8k▼
Deferred charges and accrued income490/1€699€19k▲
Equity and liabilities
Total equity and liabilities10/49€14k€31k▲
Equity10/15€10k€26k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€8k€24k▲
Amounts payable17/49€4k€5k▲
Amounts payable within one year42/48€4k€5k▲
Financial debts43€2k€2k▼
Credit institutions430/8€2k€2k▼
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45-€2k
Taxes450/3-€2k
Other amounts payable47/48€115€295▲
Income statement
Code20232024
Remuneration, social security and pensions62-€8
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€110€439▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€16k€28k▲
Operating profit (loss)9901€14k€25k▲
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€11k€22k▲
Income taxes67/77€3k€6k▲
Profit (loss) for the period9904€8k€16k▲
Profit (loss) for the period to be appropriated9905€8k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€8k€24k▲
Profit (loss) brought forward from the previous period14P-€8k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
11-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 5.78
Current ratio from 2.77 to 5.78.
31-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
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, Waasmunster · 1 establishment unit since 2023
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.
Sint-Annastraat 739250 WaasmunsterGround area
1,262 m²
Building footprint
91 m²
Volume, LiDAR
601 m³
Parcel 42342C2121/00W000, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Komafi
since 20232.338.998.513
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42342C2121/00W000 | Flanders | 1,262 m² | 1 · 91 m² | 10.1 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 123 EUR awarded · 123 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 123 EUR | 123 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
6994004N9WAN0Y3V1F93
Similar companies · same sector, comparable size
Assurances, Gestion et Conseils
BE 0442.042.460
La Louvière · Eq €26k
OLEANDER
BE 0762.644.781
Aalter · Eq €26k
SD ACP ASSUR
BE 0677.745.928
Sprimont · Eq €26k
COLONVAL-GESTASSUR
BE 0437.754.862
Ham-sur-Heure-Nalinnes · Eq €26k
CREDIMO - INVEST
BE 0425.315.702
Asse · Eq €26k
Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 1,765 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-12-2022
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.