SF CONFORT
ActiveSF CONFORT has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €113k and a net result of €-45k. Equity is growing by ~15% per year across the filed fiscal years. Its solvency ranks better than 33% of 2167 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
50
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability7▼-27
Solvency48=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.69 against 1.61 in 2024; short-term debt: 10.7% and cash: 6.3% of total assets), and 77% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
23%
Return on assets
-9.2%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-45k
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
20 d late
2023
26 d early
2022
3 d early
2021
16 d early
2020
26 d late
2019
28 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-45k▼ 453%
2024 · €-8k
2018: €-9k
2019: €-37k
2020: €49k
2021: €79k
2022: €19k
2023: €16k
2024: €-8k
2018 → 2025
Working capital
€-16k
2024 · €35k
2018: €39k
2019: €3k
2020: €3k
2021: €351k
2022: €135k
2023: €31k
2024: €35k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€133k-€152k▲ 14.2%€167k▲ 10.3%€159k▼ 4.9%€113k▼ 28.6%
Operating result€125k-€51k▼ 59.4%€59k▲ 17.2%€13k▼ 77.3%€-31k
Net result€79k-€19k▼ 76.0%€16k▼ 17.5%€-8k€-45k▼ 453%
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €31k after €13k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €492k
Fixed assets
€456k▼ 24.4%
Current assets
€36k▼ 61.4%
Equity and liabilities €492k
Equity
€113k▼ 28.6%
Provisions
€10k▼ 14.5%
Debt
€369k▼ 29.9%
The debt ratio falls from 75.5% to 74.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-3k▼
2024 · €48k
Cash flow
€-17k▼
2024 · €26k
Solvency
23.0%▲
2024 · 22.8%
Current ratio
0.69▼
2024 · 1.61
Quick ratio
0.69▼
2024 · 0.87
Debt / equity
3.25▼
2024 · 3.31
ROE
-40.1%▼
2024 · -5.2%
ROA
-9.2%▼
2024 · -1.2%
Interest coverage
-0.17▼
2024 · 2.05
Debt
€369k▼
2024 · €526k
Debt ≤ 1 year
€52k▼
2024 · €58k
Debt > 1 year
€316k▼
2024 · €465k
Income taxes
€12▲
2024 · €10
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€697k€492k▼
Fixed assets21/28€603k€456k▼
Tangible fixed assets22/27€603k€456k▼
Land and buildings22€432k€337k▼
Plant, machinery and equipment23€171k€119k▼
Current assets29/58€94k€36k▼
Stocks and contracts in progress3€43k-
Stocks30/36€43k-
Amounts receivable within one year40/41€22k€4k▼
Trade receivables40€17k-
Other amounts receivable41€5k€4k▼
Cash at bank and in hand54/58€27k€31k▲
Deferred charges and accrued income490/1€1k€920▼
Equity and liabilities
Total equity and liabilities10/49€697k€492k▼
Equity10/15€159k€113k▼
Contributions10/11€20k€20k=
Reserves13€53k€46k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€51k€44k▼
Profit (loss) carried forward14€86k€47k▼
Provisions and deferred taxes16€12k€10k▼
Deferred taxes168€12k€10k▼
Amounts payable17/49€526k€369k▼
Amounts payable after more than one year17€465k€316k▼
Financial debts170/4€465k€316k▼
Amounts payable within one year42/48€58k€52k▼
Current portion of amounts payable after more than one year42€23k€19k▼
Trade debts44€5k€574▼
Suppliers440/4€5k€574▼
Taxes, remuneration and social security45€5k€5k▲
Taxes450/3€5k€5k▲
Other amounts payable47/48€26k€28k▲
Accrued charges and deferred income492/3€3k€26▼
Income statement
Code20242025
Non-recurring operating income76A€9€7k▲
Remuneration, social security and pensions62€391-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€29k▼
Other operating charges640/8€4k€6k▲
Non-recurring operating charges66A€4k€18k▲
Gross operating margin9900€56k€21k▼
Operating profit (loss)9901€13k€-31k▼
Financial income75/76B€75€39▼
Recurring financial income75€75€39▼
Financial charges65/66B€23k€16k▼
Recurring financial charges65€23k€16k▼
Profit (loss) for the period before taxes9903€-10k€-47k▼
Transfer from deferred taxes780€2k€2k=
Income taxes67/77€10€12▲
Profit (loss) for the period9904€-8k€-45k▼
Transfer from tax-exempt reserves789€7k€7k=
Profit (loss) for the period to be appropriated9905€-1k€-39k▼
Appropriation of the result
Profit (loss) to be appropriated9906€86k€47k▼
Profit (loss) brought forward from the previous period14P€87k€86k▼
The notes to these accounts (12 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-45k
Net result drops to €-45k, the lowest in the series.
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 20 days late
2024
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €152k ▲14.2%
3 profitable years in a row build equity to €152k.
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €79k ▲59.2%
Operating result €125k, net result €79k, both a record.
31-12
Financial
Equity above €100kEq €133k ▲145%
2 profitable years in a row build equity to €133k.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
31-12
Financial
Back to profitnet €49k
Net result €49k after 2 loss-making years.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Trooz · 1 establishment unit since 2010
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.
Rue Lonhienne 34870 TroozGround area
845 m²
Building footprint
290 m²
Parcel 62040G0356/00A000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue Lonhienne 3, 4870 Trooz
since 20102.193.008.860
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62040G0356/00A000 | Wallonia | 845 m² | 1 · 290 m² | - |
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.
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VANDECAETSBEEK J.P.J.
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Of 29,803 companies in sector 41001 we hold annual accounts for 16,040. 13,026 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-10-2010
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
25110Manufacture of metal structures and parts of structures
43211General electrical installation work
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
43990Other specialised construction activities
43999Specialised construction activities
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 15 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.
Contact details
1 entryPhone:0497 11 56 73