SUNCOMFORT
ActiveSummary
SUNCOMFORT has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.95M and a net result of €541k. Equity is growing by ~12.6% per year across the filed fiscal years. Its solvency ranks better than 61% of 7445 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability87▲+47
Solvency77▲+13
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €140k at 30 days acceptable
Liquidity ample (current ratio 1.97 against 1.86 in 2023; short-term debt: 17.7% and cash: 5.8% of total assets), and 47.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 43
Relative position
BE, all sectors
reference
Sector 43
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
52.2%
Return on assets
14.5%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
28 d late
2023
30 d late
2022
60 d late
2021
58 d late
2020
60 d late
2019
91 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, abbreviated schema
Equity
€1.95M▲ 29.2%
2023 · €1.51M
2018: €814k
2019: €1.03M
2020: €1.28M
2021: €1.58M
2022: €1.67M
2023: €1.51M
2018 → 2024
Total assets
€3.74M▼ 3.6%
2023 · €3.87M
2018: €1.59M
2019: €1.78M
2020: €2.12M
2021: €2.33M
2022: €3.98M
2023: €3.87M
2018 → 2024
Net result
€541k▲ 1,183%
2023 · €42k
2018: €193k
2019: €220k
2020: €359k
2021: €297k
2022: €237k
2023: €42k
2018 → 2024
Working capital
€643k▲ 2.6%
2023 · €627k
2018: €597k
2019: €699k
2020: €941k
2021: €1.39M
2022: €830k
2023: €627k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€1.28M-€1.58M▲ 23.1%€1.67M▲ 5.4%€1.51M▼ 9.4%€1.95M▲ 29.2%
Operating result€549k-€520k▼ 5.3%€343k▼ 34.0%€47k▼ 86.2%€321k▲ 576%
Net result€359k-€297k▼ 17.2%€237k▼ 20.3%€42k▼ 82.2%€541k▲ 1,183%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 576% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €3.74M
Fixed assets
€2.43M ▼ 3.6%
Current assets
€1.31M ▼ 3.5%
Equity and liabilities €3.74M
Equity
€1.95M ▲ 29.2%
Provisions
€27k ▼ 10.0%
Debt
€1.76M ▼ 24.7%
Debt's share of the balance-sheet total falls from 60.2% to 47.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€410k▲
2023 · €161k
Cash flow
€630k▲
2023 · €156k
Current ratio
1.97▲
2023 · 1.86
Quick ratio
1.83▲
2023 · 1.77
Debt to equity
0.90▼
2023 · 1.54
ROE
27.7%▲
2023 · 2.8%
ROA
14.5%▲
2023 · 1.1%
Interest coverage
8.58▲
2023 · 2.36
Debt ≤ 1 year
€662k▼
2023 · €726k
Debt > 1 year
€1.10M▼
2023 · €1.61M
Income taxes
€160k▲
2023 · €-55k
Staff costs
€294k▼
2023 · €485k
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 · 66 lines
Balance sheet
Code20232024
Assets
Total assets20/58€3.87M€3.74M▼
Fixed assets21/28€2.52M€2.43M▼
Tangible fixed assets22/27€1.52M€1.43M▼
Land and buildings22€1.46M€1.39M▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€55k€36k▼
Other tangible fixed assets26€371€186▼
Financial fixed assets28€1.00M€1.00M▼
Current assets29/58€1.35M€1.31M▼
Amounts receivable after more than one year29€417k€367k▼
Other amounts receivable291€417k€367k▼
Stocks and contracts in progress3€69k€93k▲
Stocks30/36€69k€93k▲
Amounts receivable within one year40/41€492k€415k▼
Trade receivables40€175k€159k▼
Other amounts receivable41€317k€255k▼
Cash at bank and in hand54/58€236k€218k▼
Deferred charges and accrued income490/1€139k€213k▲
Equity and liabilities
Total equity and liabilities10/49€3.87M€3.74M▼
Equity10/15€1.51M€1.95M▲
Contributions10/11€10k€10k=
Reserves13€882k€1.32M▲
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Tax-exempt reserves132€65k€59k▼
Distributable reserves133€815k€1.26M▲
Profit (loss) carried forward14€619k€621k▲
Provisions and deferred taxes16€30k€27k▼
Deferred taxes168€30k€27k▼
Amounts payable17/49€2.33M€1.76M▼
Amounts payable after more than one year17€1.61M€1.10M▼
Financial debts170/4€1.61M€1.10M▼
Amounts payable within one year42/48€726k€662k▼
Current portion of amounts payable after more than one year42€163k€114k▼
Financial debts43€14€17k▲
Credit institutions430/8€14€17k▲
Trade debts44€325k€241k▼
Suppliers440/4€325k€241k▼
Taxes, remuneration and social security45€40k€190k▲
Taxes450/3€15k€145k▲
Remuneration and social security454/9€25k€45k▲
Other amounts payable47/48€198k€100k▼
Income statement
Code20232024
Remuneration, social security and pensions62€485k€294k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€114k€89k▼
Other operating charges640/8€16k€19k▲
Gross operating margin9900€662k€723k▲
Operating profit (loss)9901€47k€321k▲
Financial income75/76B€10k€425k▲
Recurring financial income75€10k€425k▲
Financial charges65/66B€73k€48k▼
Recurring financial charges65€68k€48k▼
Non-recurring financial charges66B€5k-
Profit (loss) for the period before taxes9903€-16k€698k▲
Transfer from deferred taxes780€3k€3k=
Income taxes67/77€-55k€160k▲
Profit (loss) for the period9904€42k€541k▲
Transfer from tax-exempt reserves789€6k€6k=
Profit (loss) for the period to be appropriated9905€48k€546k▲
Appropriation of the result
Profit (loss) to be appropriated9906€619k€1.17M▲
Profit (loss) brought forward from the previous period14P€571k€619k▲
Transfer from equity791/2€198k€100k▼
Transfer to equity691/2-€545k
To other reserves6921-€545k
Profit to be distributed694/7€198k€100k▼
Return on contributions (dividend)694€198k€100k▼
Social balance
Average headcount (FTE)90875.95.2▼
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
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 28 days late
2024
31-12
Financial
Highest result since 2018net €541k ▲1183%
Net result €541k, the highest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €42k ▼82.2%
Net result drops to €42k, the lowest in the series; recovery starts the following year.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 60 days late
2022
27-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 58 days late
2021
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 60 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 91 days late
2019
31-12
Financial
Equity above €1MEq €1.03M ▲27%
2 profitable years in a row build equity to €1.03M.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 days late
2016
18-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 18 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, Asse · 1 establishment unit since 2004
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.
Z. 3 Doornveld 1701731 AsseGround area
809 m²
Building footprint
809 m²
Volume, LiDAR
4,584 m³
Parcel 23095B0028/00A003, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SUNCOMFORT
since 20042.137.099.446
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23095B0028/00A003 | Flanders | 809 m² | 1 · 809 m² | 9.3 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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 2,975 EUR awarded · 2,927 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 89 EUR | 140 EUR |
| 2022 | 1 | 2,886 EUR | 2,787 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 4,097 companies in sector 43240 we hold annual accounts for 1,632. 474 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-02-2004
Fiscal year end31-12
Activities, NACEBEL 2025
43240Other construction installation
43320Joinery installation
46412Wholesale of household textiles and bedding
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.