KONFIDA
ActiveSummary
KONFIDA has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €422k and a net result of €78k. Equity is growing by ~8.7% per year across the filed fiscal years. Its solvency ranks better than 61% of 19356 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability29▼-51
Solvency70▼-18
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 4.01 against 5.1 in 2023; short-term debt: 12.3% and cash: 22.6% of total assets), but 54.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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 19-06-2025, 42 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
42 d early
2023
27 d early
2022
47 d early
2021
16 d early
2020
44 d early
2019
18 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€422k▲ 16.7%
2023 · €362k
2018: €233klowest in 7 years
2019: €278k▲ +19.6% vs 2018
2020: €385k▲ +38.5% vs 2019
2021: €283k▼ -26.7% vs 2020
2022: €330k▲ +16.7% vs 2021
2023: €362k▲ +9.7% vs 2022
2024: €422k▲ +16.7% vs 2023highest in 7 years
2018 → 2024
Total assets
€932k▲ 62.8%
2023 · €572k
2018: €272klowest in 7 years
2019: €318k▲ +17.1% vs 2018
2020: €441k▲ +38.5% vs 2019
2021: €429k▼ -2.5% vs 2020
2022: €396k▼ -7.7% vs 2021
2023: €572k▲ +44.4% vs 2022
2024: €932k▲ +62.8% vs 2023highest in 7 years
2018 → 2024
Net result
€78k▲ 56.5%
2023 · €50k
2018: €134khighest in 7 years
2019: €46k▼ -65.8% vs 2018
2020: €107k▲ +135% vs 2019
2021: €35k▼ -67.7% vs 2020lowest in 7 years
2022: €47k▲ +36.1% vs 2021
2023: €50k▲ +6.3% vs 2022
2024: €78k▲ +56.5% vs 2023
2018 → 2024
Working capital
€345k▲ 11.3%
2023 · €310k
2018: €224klowest in 7 years
2019: €232k▲ +3.4% vs 2018
2020: €368k▲ +58.8% vs 2019highest in 7 years
2021: €249k▼ -32.3% vs 2020
2022: €298k▲ +19.5% vs 2021
2023: €310k▲ +4.2% vs 2022
2024: €345k▲ +11.3% vs 2023
2018 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€385k-€283k▼ 26.7%€330k▲ 16.7%€362k▲ 9.7%€422k▲ 16.7%
2020: €385k
2021: €283k▼ -26.7% vs 2020lowest in 5 years
2022: €330k▲ +16.7% vs 2021
2023: €362k▲ +9.7% vs 2022
2024: €422k▲ +16.7% vs 2023highest in 5 years
Operating result€148k-€46k▼ 69.0%€61k▲ 33.2%€68k▲ 10.7%€-43k
2020: €148khighest in 5 years
2021: €46k▼ -69.0% vs 2020
2022: €61k▲ +33.2% vs 2021
2023: €68k▲ +10.7% vs 2022
2024: €-43k▼ -163% vs 2023lowest in 5 years
Net result€107k-€35k▼ 67.7%€47k▲ 36.1%€50k▲ 6.3%€78k▲ 56.5%
2020: €107khighest in 5 years
2021: €35k▼ -67.7% vs 2020lowest in 5 years
2022: €47k▲ +36.1% vs 2021
2023: €50k▲ +6.3% vs 2022
2024: €78k▲ +56.5% vs 2023
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €43k after €68k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €932k
Fixed assets
€471k ▲ 153%
Current assets
€460k ▲ 19.2%
Equity and liabilities €932k
Equity
€422k ▲ 16.7%
Debt
€510k ▲ 142%
Debt's share of the balance-sheet total rises from 36.8% to 54.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€-15k▼
2023 · €85k
Cash flow
€107k▲
2023 · €67k
Current ratio
4.01▼
2023 · 5.10
Debt to equity
1.21▲
2023 · 0.58
ROE
18.6%▲
2023 · 13.8%
ROA
8.4%▼
2023 · 8.7%
Interest coverage
-1.00▼
2023 · 21.61
Debt ≤ 1 year
€115k▲
2023 · €76k
Debt > 1 year
€395k▲
2023 · €135k
Income taxes
€420▼
2023 · €15k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 47 lines
Balance sheet
Code20232024
Assets
Total assets20/58€572k€932k▲
Fixed assets21/28€186k€471k▲
Tangible fixed assets22/27€169k€471k▲
Land and buildings22€158k€469k▲
Furniture and vehicles24€11k€2k▼
Other tangible fixed assets26€428€0▼
Financial fixed assets28€17k€0▼
Current assets29/58€386k€460k▲
Amounts receivable within one year40/41€299k€249k▼
Trade receivables40€259k€158k▼
Other amounts receivable41€39k€91k▲
Cash at bank and in hand54/58€86k€211k▲
Deferred charges and accrued income490/1€1k€734▼
Equity and liabilities
Total equity and liabilities10/49€572k€932k▲
Equity10/15€362k€422k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€341k€402k▲
Amounts payable17/49€211k€510k▲
Amounts payable after more than one year17€135k€395k▲
Financial debts170/4€135k€395k▲
Amounts payable within one year42/48€76k€115k▲
Current portion of amounts payable after more than one year42€19k€29k▲
Trade debts44€9k€40k▲
Suppliers440/4€9k€40k▲
Taxes, remuneration and social security45€10k€9k▼
Taxes450/3€10k€9k▼
Other amounts payable47/48€37k€37k=
Accrued charges and deferred income492/3€0-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€28k▲
Other operating charges640/8€18k€33k▲
Gross operating margin9900€102k€19k▼
Operating profit (loss)9901€68k€-43k▼
Financial income75/76B€829€136k▲
Recurring financial income75€829€136k▲
Financial charges65/66B€4k€15k▲
Recurring financial charges65€4k€15k▲
Profit (loss) for the period before taxes9903€65k€79k▲
Income taxes67/77€15k€420▼
Profit (loss) for the period9904€50k€78k▲
Profit (loss) for the period to be appropriated9905€50k€78k▲
Appropriation of the result
Profit (loss) to be appropriated9906€359k€420k▲
Profit (loss) brought forward from the previous period14P€309k€341k▲
Profit to be distributed694/7€18k€18k=
Return on contributions (dividend)694€18k€18k=
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €9k | €9k | €10k | €17k | €28k | ▲ 67.6% |
| Other operating charges640/8 | - | €780 | €867 | €18k | €33k | ▲ 90.4% |
| Gross operating margin9900 | €159k | €56k | €72k | €102k | €19k | ▼ 81.6% |
| Operating profit (loss)9901 | €148k | €46k | €61k | €68k | €-43k | ▼ 163% |
| Financial income75/76B | - | €5 | €542 | €829 | €136k | ▲ 16,342% |
| Recurring financial income75 | €2k | €5 | €542 | €829 | €136k | ▲ 16,342% |
| Financial charges65/66B | - | €737 | €622 | €4k | €15k | ▲ 272% |
| Recurring financial charges65 | €287 | €737 | €622 | €4k | €15k | ▲ 272% |
| Profit (loss) for the period before taxes9903 | €149k | €45k | €61k | €65k | €79k | ▲ 21.8% |
| Income taxes67/77 | €42k | €11k | €14k | €15k | €420 | ▼ 97.1% |
| Profit (loss) for the period9904 | €107k | €35k | €47k | €50k | €78k | ▲ 56.5% |
| Profit (loss) for the period to be appropriated9905 | €107k | €35k | €47k | €50k | €78k | ▲ 56.5% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €441k | €429k | €396k | €572k | €932k | ▲ 62.8% |
| Fixed assets21/28 | €53k | €48k | €38k | €186k | €471k | ▲ 153% |
| Tangible fixed assets22/27 | €36k | €31k | €21k | €169k | €471k | ▲ 178% |
| Land and buildings22 | - | - | - | €158k | €469k | ▲ 197% |
| Furniture and vehicles24 | - | €29k | €20k | €11k | €2k | ▼ 83.0% |
| Other tangible fixed assets26 | - | €1k | €856 | €428 | €0 | ▼ 100% |
| Financial fixed assets28 | €17k | €17k | €17k | €17k | €0 | ▼ 100% |
| Current assets29/58 | €387k | €382k | €358k | €386k | €460k | ▲ 19.2% |
| Amounts receivable within one year40/41 | €310k | €275k | €320k | €299k | €249k | ▼ 16.7% |
| Trade receivables40 | - | €146k | €137k | €259k | €158k | ▼ 39.1% |
| Other amounts receivable41 | - | €129k | €184k | €39k | €91k | ▲ 131% |
| Cash at bank and in hand54/58 | €76k | €105k | €36k | €86k | €211k | ▲ 145% |
| Deferred charges and accrued income490/1 | - | €2k | €2k | €1k | €734 | ▼ 50.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €441k | €429k | €396k | €572k | €932k | ▲ 62.8% |
| Equity10/15 | €385k | €283k | €330k | €362k | €422k | ▲ 16.7% |
| Contributions10/11 | - | €19k | €19k | €19k | €19k | = |
| Reserves13 | €2k | €2k | €2k | €2k | €2k | = |
| Non-distributable reserves130/1 | - | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | - | €2k | €2k | €2k | €2k | = |
| Profit (loss) carried forward14 | €377k | €262k | €309k | €341k | €402k | ▲ 17.7% |
| Amounts payable17/49 | €55k | €147k | €67k | €211k | €510k | ▲ 142% |
| Amounts payable after more than one year17 | €36k | €14k | €5k | €135k | €395k | ▲ 192% |
| Financial debts170/4 | - | €14k | €5k | €135k | €395k | ▲ 192% |
| Amounts payable within one year42/48 | €19k | €133k | €61k | €76k | €115k | ▲ 51.8% |
| Current portion of amounts payable after more than one year42 | - | €16k | €16k | €19k | €29k | ▲ 50.7% |
| Trade debts44 | €3k | €2k | €3k | €9k | €40k | ▲ 342% |
| Suppliers440/4 | - | €2k | €3k | €9k | €40k | ▲ 342% |
| Taxes, remuneration and social security45 | - | €9k | €10k | €10k | €9k | ▼ 12.4% |
| Taxes450/3 | - | €9k | €10k | €10k | €9k | ▼ 12.4% |
| Other amounts payable47/48 | - | €106k | €32k | €37k | €37k | = |
| Accrued charges and deferred income492/3 | - | - | €660 | €0 | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €107k | €35k | €47k | €50k | €78k | ▲ 56.5% |
| + Depreciation and write-downs630 | €9k | €9k | €10k | €17k | €28k | ▲ 67.6% |
| Operating cash flow (approximation) | €116k | €44k | €57k | €67k | €107k | ▲ 59.3% |
| Investment in fixed assets (approximation) | - | €-4k | €0 | €-165k | €-313k | ▼ 89.3% |
| Change in cash | - | €29k | €-69k | €50k | €125k | ▲ 152% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity doublescurrent ratio 5.90
Current ratio from 2.88 to 5.90; short-term debt falls from €133k to €61k.
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €35k ▼67.7%
Net result drops to €35k, the lowest in the series; recovery starts the following year.
17-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity triplescurrent ratio 20.09
Current ratio from 6.84 to 20.09; short-term debt falls from €40k to €19k.
18-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 18 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
21-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Herent · 1 establishment unit since 2014
Ground area
999 m²
Building footprint
117 m²
Parcel 24422D0091/00C000, Flanders. Linked by address, not a title deed.
1 establishment unit
Heideveldweg 20, 3020 Herent
since 20142.296.500.041
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24422D0091/00C000 | Flanders | 999 m² | 1 · 117 m² | 0.0 m |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 11,748 companies in sector 68310 we hold annual accounts for 6,905. 4,726 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded28-10-2014
Fiscal year end31-12
Activities, NACEBEL 2025
68310Real estate agency activities
43240Other construction installation
43350Other building finishing work
68321Property management for co-owned buildings (syndics)
68322Real estate appraisal on a fee or contract basis
Contact
E-mail
bvbakonfida@gmail.com
Phone
0478591518
Scores and ratios are computed by Checked and are not a credit decision.