Summary
Komafi is a financial institution. The bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €48,153 and a net result of €21,834. Equity has been growing by about 73% per year since 2023. Its solvency ranks better than 88% of 3,056 sector peers (NACE 66, financial year 2025). The company has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 09-12-2022 Normal situation
- Activity
- Insurance agents and brokers NACE 66220
- Establishment unit
- 2.338.998.513 9250 Waasmunster, since 02-01-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 02-12-2025
Financial position
Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
- Profit
- €21,834
- ▲ 33.5%
- Equity
- €48,153
- ▲ 83.0%
- Total assets
- €54,118
- ▲ 71.9%
SignalsneutralLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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Signals
1 signal.
neutral
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 18-06-2026, 43 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
43 days early
2024
50 days early
2023
61 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 51 days before the deadline. In the sector (NACE 66), the median for financial year 2024 was 5 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 11 June (3 of the last 3 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 18-06-2026 at the NBB all 3 filings
Equity
€48,153▲ 83.0%
2024 · €26,319
Net result
€21,834▲ 33.5%
2024 · €16,356
Total assets
€54,118▲ 71.9%
2024 · €31,484
Solvency
89.0%▲ 5.4pp
2024 · 83.6%
Trend over the years
2023 to 2025, 3 financial years
The operating result for 2025 is 26% higher than in 2024 and the highest since 2023. It is the second rise in a row.
Operating result€32,157
2025
Net result€21,834
2025
Total assets€54,118
2025
Equity€48,153
2025
Debt€5,965
2025
Working capital€45,374
2025
Return on assets (ROA)40.3%
2025
Solvency89.0%
2025
Current ratio8.61
2025
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Activities auxiliary to financial services and insurance activities (NACE 66). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio and return on assets (ROA).
Every figure with its change against the financial year before
favourable
unfavourable
Line202320242025
Operating result€13,605-€25,443▲ 87.0%€32,157▲ 26.4%
Net result€7,964within the sector's middle half-€16,356within the sector's middle half▲ 105%€21,834within the sector's middle half▲ 33.5%
Equity€9,964below the sector's middle half-€26,319below the sector's middle half▲ 164%€48,153within the sector's middle half▲ 83.0%
Total assets€14,417below the sector's middle half-€31,484below the sector's middle half▲ 118%€54,118below the sector's middle half▲ 71.9%
Debt€4,454-€5,165▲ 16.0%€5,965▲ 15.5%
Working capital€7,877within the sector's middle half-€24,673within the sector's middle half▲ 213%€45,374within the sector's middle half▲ 83.9%
Solvency69.1%within the sector's middle half-83.6%above the sector's middle half▲ 14.5pp89.0%above the sector's middle half▲ 5.4pp
Current ratio2.77within the sector's middle half-5.78above the sector's middle half▲ 3.018.61above the sector's middle half▲ 2.83
Return on assets (ROA)55.2%above the sector's middle half-51.9%above the sector's middle half▼ 3.3pp40.3%above the sector's middle half▼ 11.6pp
above
within
below
The sector band is the middle half of the companies in Activities auxiliary to financial services and insurance activities (NACE 66). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €54,118
Fixed assets
€2,779 ▲ 68.8%
Current assets
€51,339 ▲ 72.1%
Equity and liabilities €54,118
Equity
€48,153 ▲ 83.0%
Debt
€5,965 ▲ 15.5%
Debt's share of the balance-sheet total falls from 16.4% to 11.0%. Equity and debt are higher.
Key figures and ratios
ROE
45.3%▼
2024 · 62.1%
Debt ≤ 1 year
€5,965▲
2024 · €5,165
Income taxes
€7,602▲
2024 · €5,789
Staff costs
€0▼
2024 · €8
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Investments
| Item | 2023 | 2024 | 2025 |
|---|---|---|---|
| Tangible fixed assets | €2,196 | - | €1,809 |
| Depreciation and write-downs of the year | €110 | €439 | €676 |
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
Subsidies and aid
Flemish government
2023 · 1 entry · €123 awarded · €123 paidAnnual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €8 | €0 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €110 | €439 | €676 | ▲ 54.0% |
| Other operating charges640/8 | €1,996 | €1,835 | €1,768 | ▼ 3.7% |
| Non-recurring operating charges66A | - | - | €299 | - |
| Gross operating margin9900 | €15,711 | €27,726 | €34,900 | ▲ 25.9% |
| Operating profit (loss)9901 | €13,605 | €25,443 | €32,157 | ▲ 26.4% |
| Financial income75/76B | €0 | €0 | €511 | - |
| Recurring financial income75 | €0 | €0 | €511 | - |
| Financial charges65/66B | €2,402 | €3,298 | €3,233 | ▼ 2.0% |
| Recurring financial charges65 | €2,402 | €3,298 | €3,233 | ▼ 2.0% |
| Profit (loss) for the period before taxes9903 | €11,202 | €22,145 | €29,436 | ▲ 32.9% |
| Income taxes67/77 | €3,239 | €5,789 | €7,602 | ▲ 31.3% |
| Profit (loss) for the period9904 | €7,964 | €16,356 | €21,834 | ▲ 33.5% |
| Profit (loss) for the period to be appropriated9905 | €7,964 | €16,356 | €21,834 | ▲ 33.5% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €14,417 | €31,484 | €54,118 | ▲ 71.9% |
| Fixed assets21/28 | €2,086 | €1,647 | €2,779 | ▲ 68.8% |
| Tangible fixed assets22/27 | €2,086 | €1,647 | €2,779 | ▲ 68.8% |
| Plant, machinery and equipment23 | €2,086 | €1,647 | €1,208 | ▼ 26.7% |
| Furniture and vehicles24 | - | - | €1,572 | - |
| Current assets29/58 | €12,331 | €29,837 | €51,339 | ▲ 72.1% |
| Amounts receivable within one year40/41 | €3,761 | €2,761 | €19,791 | ▲ 617% |
| Other amounts receivable41 | €3,761 | €2,761 | €19,791 | ▲ 617% |
| Cash at bank and in hand54/58 | €7,871 | €7,822 | €5,243 | ▼ 33.0% |
| Deferred charges and accrued income490/1 | €699 | €19,253 | €26,305 | ▲ 36.6% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €14,417 | €31,484 | €54,118 | ▲ 71.9% |
| Equity10/15 | €9,964 | €26,319 | €48,153 | ▲ 83.0% |
| Contributions10/11 | €2,000 | €2,000 | €2,000 | = |
| Profit (loss) carried forward14 | €7,964 | €24,319 | €46,153 | ▲ 89.8% |
| Amounts payable17/49 | €4,454 | €5,165 | €5,965 | ▲ 15.5% |
| Amounts payable within one year42/48 | €4,454 | €5,165 | €5,965 | ▲ 15.5% |
| Financial debts43 | €2,363 | €2,028 | €2,776 | ▲ 36.9% |
| Credit institutions430/8 | €2,363 | €2,028 | €2,776 | ▲ 36.9% |
| Trade debts44 | €1,975 | €1,052 | €3,188 | ▲ 203% |
| Suppliers440/4 | €1,975 | €1,052 | €3,188 | ▲ 203% |
| Taxes, remuneration and social security45 | - | €1,789 | €0 | ▼ 100% |
| Taxes450/3 | - | €1,789 | €0 | ▼ 100% |
| Other amounts payable47/48 | €115 | €295 | €0 | ▼ 100% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €7,964 | €16,356 | €21,834 | ▲ 33.5% |
| + Depreciation and write-downs630 | €110 | €439 | €676 | ▲ 54.0% |
| Operating cash flow (approximation) | €8,073 | €16,795 | €22,511 | ▲ 34.0% |
| Investment in fixed assets (approximation) | - | €0 | -€1,809 | - |
| Change in cash | - | -€49 | -€2,580 | ▼ 5,144% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Board & ownership
Directors
Directors
1 director, no change since 2022
MAES Koen
Current
Enige niet statutaire bestuurder · since 09-12-2022 · term without a fixed end · listed in the 2025 annual accounts, filed on 18-06-2026
Owners and capital
Shareholders
At incorporation
act of 13-12-2022 ↗
- MAES Koen 20 shares (100%)
Capital transactions
Capital over time
- 13-12-2022 Incorporation · €2,000 · 20 shares
Network & group
Komafi shares no director with another company.
Connections & network
1 current directorThe network starts from the directors of Komafi. Every other company they run is a node.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2026
18-06
micro format · 43 days before the deadline
2025
31-12
Financial
Highest result from 2023 to 2025net €21,834 ▲33.5%
The operating result of €32,157 and the net result of €21,834 are both a record.
11-06
micro format · 50 days before the deadline
2024
31-12
Financial
Liquidity more than doubledcurrent ratio 5.78
The current ratio rises from 2.77 to 5.78.
31-05
micro format · 61 days before the deadline
2022
13-12
Gazette deed
IncorporationStarting capital €2,000 · Appointment: MAES Koen (enige niet statutaire bestuurder) · Founder5 points ▸
Gazette deed
Incorporation
Starting capital €2,000 · Appointment: MAES Koen (enige niet statutaire bestuurder) · Founder5 points ▸
- Incorporation, 08-12-2022
- Founder, MAES Koen (oprichter in de zin van artikel 5:11,tweede lid van het wetboek van vennootschappen en verenigingen)
- Founding capital, €2,000
- Bank account, “KBC Bank, bijzondere rekening op naam van de vennootschap in oprichting” (deed in Dutch)
- Director appointment, MAES Koen (enige niet statutaire bestuurder)
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
Komafi in Dutch
Enterprise number
0794.594.801
LEI code
6994004N9WAN0Y3V1F93
no longer live in the LEI register
Legal form
Private limited company
Status
Active, normale toestand
Founded
09-12-2022
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 13-12-2022 (in Dutch)Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Vlaams Gewest, Sint-Annastraat 73,9250 Waasmunster”
deed of 13-12-2022 (in Dutch)Registered office and establishments
Registered office
Sint-Annastraat 73, 9250 Waasmunster, Belgium
Establishment unit
Komafi, Sint-Annastraat 73, 9250 Waasmunster since 02-01-2023 · unit number 2.338.998.513
Activities
NACEBEL 202566220
Insurance agents and brokers main activity
Codes under NACEBEL 2008
66220
Activities auxiliary to financial services and insurance activities main activity
PurposeThe purpose describes the activities the company may carry out under its articles.
deed of 13-12-2022 (in Dutch)
“Handelsagentuur voor het bemiddelen in verzekeringsovereenkomsten; Adviesbureau op het gebied van bedrijfsvoering en beheer waaronder onder…”
15 activities
- Handelsagentuur voor het bemiddelen in verzekeringsovereenkomsten;
- Adviesbureau op het gebied van bedrijfsvoering en beheer waaronder onder meer,maar niet uitsluitend,het verlenen van advies en praktische hulp aan bedrijven in verband met public relations en communicatie,het verlenen van adviezen en hulp aan het bedrijfsleven en de overheid op gebied van onder meer planning,organisatie,efficiëntie en toezicht,het verschaffen van informatie aan de bedrijfsleiding,het berekenen van de kosten en baten van de voorgestelde maatregelen op het gebied van planning,organisatie en efficiëntie,het verlenen van adviezen op het gebied van beheer in het algemeen;
- Het verlenen van bijstand,advies en leiding aan ondernemingen,privépersonen en instellingen,voornamelijk doch niet uitsluitend op het vlak van bedrijfsbeheer,bedrijfsvoering,compliance,administratie,management,projectopvolging,(financieel) beheer,logistiek,personeelsbeleid,informatica,verkoop,marketing en communicatie;
- Het verlenen van gestructureerde adviezen en hulp aan het bedrijfsleven en de overheid op gebied van planning,organisatie,efficiëntie en toezicht,het verschaffen van informatie aan de bedrijfsleiding,het berekenen van de kosten en baten van de voorgestelde maatregelen op gebied van planning,organisatie,efficiëntie en toezicht,het verschaffen van informatie aan de bedrijfsleiding,alsook de uitvoering ervan;
- Alle taken die betrekking hebben op projectmanagement,change management,crisismanagement,continuïteitsmanagement,strategisch management,organisatorisch management,operationeel management en financieel management;
- Het verrichten van consultancydiensten in de meest ruime zin;
- Overige zakelijke dienstverlening die niet eerder werd genoemd;
- Het organiseren van cursussen,workshops,beroepsopleidingen en demonstraties met betrekking tot voormelde activiteiten,evenals het ontwikkelen van een marketingconcept specifiek voor deze activiteiten;
- Managementactiviteiten van holdings,waaronder het ter beschikking stellen van management;het voeren van bedrijfsmanagement in de meest ruime zin van het woord,daarin begrepen het uitoefenen van de functie van bestuurder of vereffenaar van vennootschappen;het uitoefenen van bedrijfsleiding en het organiseren ervan;het optreden als mandataris voor alle binnenlandse en buitenlandse vennootschappen;alsook het waarnemen van beheer op alle niveaus,zowel voor eigen rekening als voor rekening of indeelneming met derden.Dit alles voor ondernemingen,bestaande onder om het even welke vorm,en dit zonder enige beperking;
- De vennootschap kan,steeds voor eigen rekening,een roerend en/of onroerend vermogen aanleggen,oordeelkundig uitbouwen en beheren en alle verrichtingen in dit verband stellen,met inbegrip van,maar niet beperkt tot,wat betreft onroerende goederen:de aan-en verkoop,de bouw,de verbouwing,de inrichting en decoratie,de huur en verhuur,de ruil,de verkaveling en,in het algemeen,alle verrichtingen die rechtstreeks of onrechtstreeks betrekking hebben op het beheer of op het productief maken van onroerende goederen of onroerende zakelijke rechten,en,wat betreft roerende goederen:de aan-en verkoop,de huur en verhuur,de ruil,en in het bijzonder het beheer en de valorisatie van alle verhandelbare waardepapieren,aandelen,obligaties,staatsfondsen.
- De vennootschap kan alle onroerende goederen en rechten verwerven teneinde deze geheel of gedeeltelijk als woon-en/of werkplaats ter beschikking te stellen van de leden van het bestuursorgaan,de aandeelhouders en hun familieleden.
- Onverminderd wat hoger is bepaald inzake het aanleggen,uitbouwen en beheren van een roerend en/of onroerend vermogen,handelt de vennootschap voor eigen rekening,in consignatie,in commissie,als tussenpersoon of als vertegenwoordiger.
- De vennootschap kan in het algemeen alle handelingen stellen en verrichten doen die rechtstreeks of onrechtstreeks in verband staan met haar voorwerp of die van aard zijn op enige manier bij te dragen tot de verwezenlijking van haar voorwerp.
- De vennootschap mag het bestuur waarnemen dan wel optreden als vereffenaar van andere rechtspersonen,en mag alle leningen,ongeacht hun vorm en duur,toestaan aan derden en kan alle soorten waarborgen,zowel zakelijke als persoonlijke,verstrekken,zowel voor eigen verbintenissen als voor verbintenissen van derden.
- Zij mag bij wijze van inbreng,overdracht,fusie of op enige andere wijze een belang verwerven in alle bestaande of op te richten rechtspersonen waarvan het voorwerp identiek,gelijkaardig of verwant is met het hare,of waarvan het voorwerp van aard is om op enige manier de verwezenlijking van haar eigen voorwerp te bevorderen.
Invoicing and payment
VAT number
BE 0794.594.801
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Last Friday of May at 18:00
deed of 13-12-2022 (in Dutch)Sites & property
Location
Buildings and parcels at the address
Ground area
1,262 m²
Building footprint
91 m²
Building volume
601 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 42342C2121/00W000 | Flanders | 1,262 m² | 1 · 91 m² | 10.1 m · 2 |