Comma group
ActiveComma group is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €81k and a net result of €-8k. Equity is shrinking by ~20.5% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 85% of 2394 sector peers (fiscal year 2025). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
23 d early
2023
8 d early
2022
10 d late
2021
24 d late
2020
19 d early
2019
22 d early
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€81k▼ 9.5%
2024 · €89k
2018: €1.53M
2019: €1.55M
2020: €1.48M
2021: €1.23M
2022: €1.13M
2023: €100k
2024: €89k
2018 → 2025
Net result
€-8k▲ 22.1%
2024 · €-11k
2018: €1.81M
2019: €14k
2020: €-64k
2021: €-256k
2022: €-94k
2023: €1.83M
2024: €-11k
2018 → 2025
Total assets
€84k▼ 8.9%
2024 · €93k
2018: €2.77M
2019: €2.30M
2020: €2.17M
2021: €1.75M
2022: €1.27M
2023: €214k
2024: €93k
2018 → 2025
Solvency
95.8%▼ 0.6pp
2024 · 96.4%
2018: 55.3%
2019: 67.4%
2020: 68.3%
2021: 70.2%
2022: 89.5%
2023: 47.0%
2024: 96.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€2.19M-€868k▼ 60.4%€495k▼ 43.0%€900▼ 99.8%
Equity€1.23M-€1.13M▼ 7.7%€100k▼ 91.2%€89k▼ 10.8%€81k▼ 9.5%
Operating result€-95k-€-72k▲ 24.5%€-68k▲ 5.2%€-13k▲ 81.3%€-10k▲ 24.4%
Net result€-256k-€-94k▲ 63.3%€1.83M€-11k€-8k▲ 22.1%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €10k in 2025 against €13k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €84k
Equity
€81k▼ 9.5%
Debt
€4k▲ 6.0%
The debt ratio rises from 3.6% to 4.2%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
95.8%▼
2024 · 96.4%
ROE
-10.5%▲
2024 · -12.2%
ROA
-10.0%▲
2024 · -11.7%
Debt
€4k▲
2024 · €3k
Debt ≤ 1 year
€4k▲
2024 · €3k
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€93k€84k▼
Current assets29/58€93k€84k▼
Amounts receivable within one year40/41€89k€79k▼
Trade receivables40€2k€1k▼
Other amounts receivable41€87k€78k▼
Cash at bank and in hand54/58€4k€5k▲
Deferred charges and accrued income490/1-€31
Equity and liabilities
Total equity and liabilities10/49€93k€84k▼
Equity10/15€89k€81k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€27k€19k▼
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€21k€12k▼
Profit (loss) carried forward14€393€426▲
Amounts payable17/49€3k€4k▲
Amounts payable within one year42/48€3k€4k▲
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Income statement
Code20242025
Turnover70€900-
Goods, raw materials, services and sundry goods60/61€15k€9k▼
Other operating charges640/8€1k€861▼
Gross operating margin9900€-11k€-9k▲
Operating profit (loss)9901€-13k€-10k▲
Financial income75/76B€2k€2k▼
Recurring financial income75€2k€2k▼
Financial charges65/66B€556€630▲
Recurring financial charges65€556€630▲
Profit (loss) for the period before taxes9903€-11k€-8k▲
Income taxes67/77€-214-
Profit (loss) for the period9904€-11k€-8k▲
Profit (loss) for the period to be appropriated9905€-11k€-8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-11k€-8k▲
Profit (loss) brought forward from the previous period14P€265€393▲
Transfer from equity791/2€11k€9k▼
The notes to these accounts (2 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity times 15current ratio 28.00
Current ratio from 1.89 to 28.00; short-term debt falls from €113k to €3k.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €1.83M
Net result €1.83M after 3 loss-making years.
10-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 10 days late
2022
31-12
Financial
Liquidity times 6current ratio 5.67
Current ratio from 0.95 to 5.67; short-term debt falls from €520k to €132k.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 24 days late
2021
31-12
Financial
Weakest financial yearnet €-256k
Net result drops to €-256k, the lowest in the series; recovery starts the following year.
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
13-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
03-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 3 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2021
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
02-11-2021
Sam Bambust: Resigned as Director
07-10-2019
Dirk Deroost: Resigned as Director
01-03-2019
Vincent Vanderbeck: Resigned as Director
Location & real-estate footprint
Registered office, Kontich · 1 establishment unit since 2008
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.
Veldkant 33 A2550 KontichGround area
3,333 m²
Building footprint
933 m²
Volume, LiDAR
7,846 m³
Parcel 11024B0079/00F000, Flanders · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Comma Group, Momentis
since 20082.171.646.886
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11024B0079/00F000 | Flanders | 3,333 m² | 1 · 932 m² | 10.3 m · 3 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.
Statutory auditor
2 auditors| Ernst & Young Bedrijfsrevisoren BCVBA Statutory auditor · represented by Ömer Turna | - → 01-01-2017 |
Show 1 earlier auditors
| EY Bedrijfsrevisoren BV Statutory auditor · represented by Paul Eelen | - → 29-09-2020 |
Structure & network
Connections & network
27 connected companiesNetwork connections
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,764. 11,801 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded23-05-2008
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.