KOMPLET
ActiveKOMPLET has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €97k and a net result of €12k. Equity is growing by ~3% per year across the filed fiscal years. Its solvency ranks better than 38% of 538 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
61
/ 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
Profitability55▲+16
Solvency55▼-9
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.06 against 8.71 in 2024; short-term debt: 20.1% and cash: 4.6% of total assets), but 69.6% 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.
−lowers risk+raises risk○neutral
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
30.4%
Return on assets
3.9%
Age of the figures
12 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 16
Relative position
BE, all sectors
reference
Sector 16
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 16-03-2026, 45 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
45 d early
2024
16 d early
2023
27 d early
2022
59 d early
2021
47 d early
2020
50 d early
2019
10 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€97k▼ 13.4%
2024 · €112k
2018: €66k
2019: €83k
2020: €110k
2021: €114k
2022: €117k
2023: €109k
2024: €112k
2018 → 2025
Total assets
€320k▲ 9.8%
2024 · €291k
2018: €95k
2019: €110k
2020: €150k
2021: €122k
2022: €154k
2023: €132k
2024: €291k
2018 → 2025
Net result
€12k▲ 209%
2024 · €4k
2018: €134
2019: €18k
2020: €27k
2021: €5k
2022: €18k
2023: €-7k
2024: €4k
2018 → 2025
Working capital
€68k▼ 32.6%
2024 · €101k
2018: €61k
2019: €77k
2020: €103k
2021: €108k
2022: €116k
2023: €108k
2024: €101k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€114k-€117k▲ 2.4%€109k▼ 6.8%€112k▲ 2.9%€97k▼ 13.4%
Operating result€5k-€24k▲ 365%€-9k€11k€26k▲ 125%
Net result€5k-€18k▲ 245%€-7k€4k€12k▲ 209%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 125% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €320k
Fixed assets
€187k▲ 5.9%
Current assets
€133k▲ 15.8%
Equity and liabilities €320k
Equity
€97k▼ 13.4%
Debt
€223k▲ 24.4%
The debt ratio rises from 61.4% to 69.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€37k▲
2024 · €19k
Cash flow
€23k▲
2024 · €12k
Solvency
30.4%▼
2024 · 38.6%
Current ratio
2.06▼
2024 · 8.71
Quick ratio
2.06▼
2024 · 8.71
Debt / equity
2.29▲
2024 · 1.59
ROE
12.7%▲
2024 · 3.6%
ROA
3.9%▲
2024 · 1.4%
Interest coverage
3.71▲
2024 · 2.21
Debt
€223k▲
2024 · €179k
Debt ≤ 1 year
€64k▲
2024 · €13k
Debt > 1 year
€158k▼
2024 · €164k
Income taxes
€6k▲
2024 · €1k
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€291k€320k▲
Fixed assets21/28€177k€187k▲
Tangible fixed assets22/27€177k€187k▲
Land and buildings22€170k€161k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€158€76▼
Other tangible fixed assets26€5k€24k▲
Current assets29/58€115k€133k▲
Amounts receivable after more than one year29€70k€70k=
Other amounts receivable291€70k€70k=
Amounts receivable within one year40/41€9k€44k▲
Trade receivables40€8k€38k▲
Other amounts receivable41€444€6k▲
Cash at bank and in hand54/58€32k€15k▼
Deferred charges and accrued income490/1€4k€4k▼
Equity and liabilities
Total equity and liabilities10/49€291k€320k▲
Equity10/15€112k€97k▼
Contributions10/11€13k€13k=
Reserves13€100k€85k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€100k€85k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€179k€223k▲
Amounts payable after more than one year17€164k€158k▼
Financial debts170/4€164k€158k▼
Amounts payable within one year42/48€13k€64k▲
Current portion of amounts payable after more than one year42€5k€6k▲
Trade debts44€4k€24k▲
Suppliers440/4€4k€24k▲
Taxes, remuneration and social security45€2k€9k▲
Taxes450/3€2k€9k▲
Other amounts payable47/48€2k€26k▲
Accrued charges and deferred income492/3€2k€0▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€11k▲
Other operating charges640/8€8k€2k▼
Non-recurring operating charges66A€39€0▼
Gross operating margin9900€28k€39k▲
Operating profit (loss)9901€11k€26k▲
Financial income75/76B€2k€2k▼
Recurring financial income75€2k€2k▼
Financial charges65/66B€9k€10k▲
Recurring financial charges65€9k€10k▲
Profit (loss) for the period before taxes9903€5k€18k▲
Income taxes67/77€1k€6k▲
Profit (loss) for the period9904€4k€12k▲
Profit (loss) for the period to be appropriated9905€4k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€4k€12k▲
Transfer from equity791/2€859€27k▲
Transfer to equity691/2€4k€12k▲
To other reserves6921€4k€12k▲
Profit to be distributed694/7€859€27k▲
Return on contributions (dividend)694€859€27k▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
16-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
14-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
03-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet €-7k ▼140%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
02-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
14-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Liquidity quadruplescurrent ratio 14.60
Current ratio from 3.75 to 14.60; short-term debt falls from €37k to €8k.
11-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Highest result since 2018net €27k ▲51.7%
Operating result €43k, net result €27k, both a record.
30-09
Financial
Equity above €100kEq €110k ▲31.9%
3 profitable years in a row build equity to €110k.
20-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Gent · 1 establishment unit since 2013
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.
Luchterenkerkweg 919031 GentGround area
572 m²
Building footprint
245 m²
Volume, LiDAR
1,308 m³
Parcel 44017A0951/00M002, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
KOMPLET
since 20132.216.083.576
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44017A0951/00M002 | Flanders | 572 m² | 1 · 245 m² | 8.4 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.
Similar companies · same sector, comparable size
JUNTOS MANAGEMENT
BE 0835.503.659
Schoten · Eq €97k
ACO-Châssis
BE 1002.338.216
Anhée · Eq €98k
SIMENON RUDY
BE 0474.375.431
Oupeye · Eq €96k
A. WELSCH
BE 0453.862.703
Büllingen · Eq €98k
ESPACE ET FORMES - WEEXPO
BE 0662.703.901
Fléron · Eq €98k
Of 1,600 companies in sector 16230 we hold annual accounts for 782. 620 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-01-2013
Fiscal year end30-09
Activities, NACEBEL
16230Manufacture of other builders' carpentry and joinery
31001Manufacture of furniture
31009Manufacture of furniture
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.