The computed 12-month bankruptcy probability of PUNTO Y COMA is 9.0% (elevated). For PUNTO Y COMA, at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show equity of €49,713 and a net result of -€8,833. Equity is shrinking by about 11% per year across the filed financial years. Its solvency ranks better than 33% of 24,037 sector peers (NACE 47, financial year 2023). The company has been active since 1996 and the Belgian Official Gazette contains no insolvency or warning signals.
Signalsraises riskFigures for financial year 2023 (filed 23-08-2024)2 financial years not filed after the legal deadline; latest accounts 22 days late; 2 of the last 3 lateLiquidity: current ratio 1.13, cash €1,174Two or more financial years not filedlowers riskFounded in 1996neutralFiled after the deadlineShow the evidence
Bankruptcy probability
No current score
Checked score
A figure from 0 to 100: the higher it is, the smaller the chance that the company goes bankrupt within twelve months. The band, from Critical to Excellent, follows from that chance; within the band, how the company does against its sector peers counts too. With a low score, agree a shorter payment term, an advance or security.
Figures too old
The available figures for FY 2023 are too old to assess current financial health.
Bankruptcy probability: Elevated
Filing: At least two filing cycles are missing
Financial strength, FY 2023 · tick = 2022
Financial strength
How strong the balance sheet and results are: solvency, liquidity and profitability from the latest annual accounts, each out of 100. It does not directly set the Checked score's band; how the company does on these and on growth against its sector peers does count for its place within the band.
Weak
Solvency39-6
equity 13.7% of total assets
Liquidity3-4
short-term debt 86.3% · cash 0.3%
Profitability16+5
return on assets -2.4%
Bankruptcy probability, 12 months
Bankruptcy probability
The chance that the company goes bankrupt within twelve months, estimated from the registers, the annual accounts and the Belgian Official Gazette. 0.2% means about 2 in 1,000 comparable companies. The higher it is, the shorter the payment term to agree.
9.0%Elevated
0%0.5%1.5%4%10%≥ 25%
About 9 in 100 comparable companies go bankrupt within 12 months (an estimate).
Sector median 0.6% (40,211 companies, NACE 47, micro)
Last 24 months11-2024: 1.4%12-2024: 1.4%● unchanged vs 11-202401-2025: 1.4%● unchanged vs 12-202402-2025: 1.3%▼ -0.1 percentage points vs 01-202503-2025: 1.3%● unchanged vs 02-202504-2025: 1.3%● unchanged vs 03-202505-2025: 1.3%● unchanged vs 04-202506-2025: 1.2%▼ -0.1 percentage points vs 05-2025lowest value07-2025: 1.5%▲ +0.3 percentage points vs 06-202508-2025: 2.2%▲ +0.7 percentage points vs 07-202509-2025: 2.5%▲ +0.3 percentage points vs 08-202510-2025: 3.1%▲ +0.6 percentage points vs 09-202511-2025: 3.3%▲ +0.2 percentage points vs 10-202512-2025: 4.2%▲ +0.9 percentage points vs 11-202501-2026: 6.9%▲ +2.7 percentage points vs 12-202502-2026: 6.9%● unchanged vs 01-202603-2026: 7.2%▲ +0.3 percentage points vs 02-202604-2026: 6.5%▼ -0.7 percentage points vs 03-202605-2026: 6.5%● unchanged vs 04-202606-2026: 6.5%● unchanged vs 05-202607-2026: 6.5%● unchanged vs 06-202608-2026: 8.3%▲ +1.8 percentage points vs 07-202609-2026: 9.0%▲ +0.7 percentage points vs 08-2026highest value10-2026: 9.0%● unchanged vs 09-2026highest value
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
31-12-2024 year end31-07-2025 deadline17-10-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 22-08-2024, 22 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 31 days after the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.
Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
Annual accounts filedfinancial year 2023 · micro…
Annual accounts filedfinancial year 2022 · micro…
Weakest financial yearnet -€18,258
Key points
Risk: Accounts not fileddeadline was 31-07-2025443 days lateView
Risk: 4 loss-making years in a rowloss financial year 2023-€8,833View
Caution: Among the weakest 20% on net resultsector median €4,131 · 24,007 companies-€8,833View