KOMMATI

Active

Private limited companyfounded 20197 yrs activePeperstraat 25, 2470 Retie, BelgiumKBO/BCE: BE 0724.843.980

The computed 12-month bankruptcy probability of KOMMATI is 3.0% (moderate). The 2025 annual accounts show equity of €86k and a net result of €47k. Equity is growing by ~25.9% per year across the filed fiscal years. Its solvency ranks better than 73% of 13240 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

73 / 100

Healthy

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100▲+17

Solvency82▲+8

Growth78=

Track record100

Bankruptcy probability, 12 months

3.0% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €6k at 30 days acceptable

Liquidity tight (current ratio 1.19 against 1.13 in 2024; short-term debt: 38.8% and cash: 27.4% of total assets), and 43.2% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 56

Relative position

BE, all sectors

reference

Sector 56

higher

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

56.8%

Return on assets

31%

Age of the figures

15 mo

Latest accounts filed on time

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 13-01-2026, 18 days ahead of the deadline.

NBB · 6 filings

Deviation from the deadline

2025

18 d early

2024

9 d early

2023

23 d early

2022

14 d early

2021

7 d early

2020

128 d late

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

30-06-2026 close20-09-2026 today31-01-2027 deadline

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

Financials · fiscal year 2025, micro schema

Equity

€86k▼ 5.0%

2024 · €91k

2020: €11k 2021: €31k 2022: €81k 2023: €70k 2024: €91k

2020 → 2025

Total assets

€152k▼ 17.8%

2024 · €184k

2020: €259k 2021: €248k 2022: €254k 2023: €251k 2024: €184k

2020 → 2025

Net result

€47k▲ 129%

2024 · €21k

2020: €4k 2021: €20k 2022: €38k 2023: €52k 2024: €21k

2020 → 2025

Working capital

€11k▲ 55.9%

2024 · €7k

2020: €-49k 2021: €-37k 2022: €15k 2023: €-12k 2024: €7k

2020 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€31k-€81k▲ 164%€70k▼ 13.9%€91k▲ 29.3%€86k▼ 5.0%

Operating result€28k-€52k▲ 83.3%€71k▲ 36.7%€31k▼ 55.8%€65k▲ 109%

Net result€20k-€38k▲ 88.4%€52k▲ 34.9%€21k▼ 60.2%€47k▲ 129%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result recovers in 2025; 2025 is 109% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €152k

53.7%

46.3%

Fixed assets €81k▼ 32.4%

Current assets €70k▲ 9.3%

Equity and liabilities €152k

56.8%

43.2%

Equity €86k▼ 5.0%

Debt €65k▼ 30.3%

The debt ratio falls from 50.9% to 43.2%. Equity and debt are lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€106k▲

2024 · €77k

Cash flow

€88k▲

2024 · €66k

Solvency

56.8%▲

2024 · 49.1%

Current ratio

1.19▲

2024 · 1.13

Quick ratio

0.86▲

2024 · 0.85

Debt / equity

0.76▼

2024 · 1.04

ROE

54.6%▲

2024 · 22.6%

ROA

31.0%▲

2024 · 11.1%

Interest coverage

63.06▲

2024 · 24.97

Debt

€65k▼

2024 · €94k

Debt ≤ 1 year

€59k▲

2024 · €57k

Debt > 1 year

€7k▼

2024 · €37k

Income taxes

€17k▲

2024 · €8k

Staff costs

€86k▲

2024 · €64k

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 · 2025 against 2024

Balance sheet Code20242025

Assets

Total assets20/58€184k€152k▼

Fixed assets21/28€120k€81k▼

Intangible fixed assets21€75k€50k▼

Tangible fixed assets22/27€45k€31k▼

Land and buildings22€7k€5k▼

Plant, machinery and equipment23€19k€12k▼

Furniture and vehicles24€5k€3k▼

Other tangible fixed assets26€14k€11k▼

Current assets29/58€64k€70k▲

Stocks and contracts in progress3€16k€20k▲

Stocks30/36€16k€20k▲

Amounts receivable within one year40/41€17k€9k▼

Trade receivables40€5k€4k▼

Other amounts receivable41€12k€5k▼

Cash at bank and in hand54/58€31k€41k▲

Equity and liabilities

Total equity and liabilities10/49€184k€152k▼

Equity10/15€91k€86k▼

Contributions10/11€19k€19k=

Profit (loss) carried forward14€72k€68k▼

Amounts payable17/49€94k€65k▼

Amounts payable after more than one year17€37k€7k▼

Financial debts170/4€37k€7k▼

Amounts payable within one year42/48€57k€59k▲

Current portion of amounts payable after more than one year42€31k€30k▼

Trade debts44€785€6k▲

Suppliers440/4€785€6k▲

Taxes, remuneration and social security45€201€12k▲

Taxes450/3-€5k

Remuneration and social security454/9€201€7k▲

Other amounts payable47/48€25k€10k▼

Income statement Code20242025

Remuneration, social security and pensions62€64k€86k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€46k€41k▼

Other operating charges640/8€7k€5k▼

Gross operating margin9900€148k€197k▲

Operating profit (loss)9901€31k€65k▲

Financial income75/76B€62€80▲

Recurring financial income75€62€80▲

Financial charges65/66B€3k€2k▼

Recurring financial charges65€3k€2k▼

Profit (loss) for the period before taxes9903€28k€64k▲

Income taxes67/77€8k€17k▲

Profit (loss) for the period9904€21k€47k▲

Profit (loss) for the period to be appropriated9905€21k€47k▲

Appropriation of the result

Profit (loss) to be appropriated9906€72k€119k▲

Profit (loss) brought forward from the previous period14P€52k€72k▲

Profit to be distributed694/7-€52k

Return on contributions (dividend)694-€52k

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 8Financial 2Filings 6

Next filing, fiscal year 2026, expected by 31-01-2027

2026

13-01

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

22-01

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

08-01

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

30-06

Financial Highest result since 2020net €52k ▲34.9%

Operating result €71k, net result €52k, both a record.

17-01

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

30-06

Financial Liquidity doublescurrent ratio 1.24

Current ratio from 0.53 to 1.24; short-term debt falls from €77k to €64k.

24-01

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

08-06

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 128 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

3 acts for this company are 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, Retie · 1 establishment unit since 2019

establishment The establishment unit on the map

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.

Peperstraat 252470 Retie

Ground area

565 m²

Building footprint

347 m²

Volume, LiDAR

1,913 m³

Parcel 13036F0012/00G000, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

KOMMATI

Peperstraat 25, 2470 RetieLimited-service restaurants, excluding mobile food services

since 20192.288.515.654

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
13036F0012/00G000	Flanders	565 m²	1 · 347 m²	9.9 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.

Recognitions · licences · registrations

Food safety, FASFC

1 site

Retie2.288.515.654

1 permission

Toelating · Frituur · since 03-09-2019

Similar companies · same sector, comparable size

Dendermonde · Eq €86k

Of 21,896 companies in sector 56112 we hold annual accounts for 9,783. 7,983 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded12-04-2019

Fiscal year end30-06

Activities, NACEBEL

56101Full-service restaurants

56102Limited-service restaurants

56111Full-service restaurants

56112Limited-service restaurants, excluding mobile food services

Sources

Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers

Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.