COM & CO
ActiveSummary
COM & CO has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.36M and a net result of €578k. Equity is growing by ~29.2% per year across the filed fiscal years. Its solvency ranks better than 77% of 1410 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+23
Solvency98▲+29
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €110k at 30 days acceptable
Liquidity ample (current ratio 4.04 against 1.93 in 2023; short-term debt: 22.3% and cash: 23.8% of total assets), and 26.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
73.4%
Return on assets
31.1%
Age of the figures
21 mo
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 26-06-2025, 35 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
35 d early
2023
35 d early
2022
54 d early
2021
54 d early
2020
40 d early
2019
9 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, abbreviated schema
Equity
€1.36M▲ 73.6%
2023 · €786k
2018: €302k
2019: €348k
2020: €483k
2021: €632k
2022: €913k
2023: €786k
2018 → 2024
Total assets
€1.86M▲ 5.2%
2023 · €1.77M
2018: €1.03M
2019: €997k
2020: €1.17M
2021: €2.14M
2022: €1.87M
2023: €1.77M
2018 → 2024
Net result
€578k▲ 370%
2023 · €123k
2018: €227k
2019: €146k
2020: €335k
2021: €649k
2022: €431k
2023: €123k
2018 → 2024
Working capital
€1.26M▲ 63.8%
2023 · €770k
2018: €317k
2019: €322k
2020: €521k
2021: €758k
2022: €764k
2023: €770k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€483k-€632k▲ 30.8%€913k▲ 44.4%€786k▼ 13.9%€1.36M▲ 73.6%
Operating result€462k-€882k▲ 90.9%€587k▼ 33.5%€175k▼ 70.1%€795k▲ 353%
Net result€335k-€649k▲ 93.6%€431k▼ 33.6%€123k▼ 71.4%€578k▲ 370%
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 353% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.86M
Fixed assets
€184k ▲ 10.0%
Current assets
€1.67M ▲ 4.7%
Equity and liabilities €1.86M
Equity
€1.36M ▲ 73.6%
Debt
€494k ▼ 49.6%
Debt's share of the balance-sheet total falls from 55.5% to 26.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€839k▲
2023 · €229k
Cash flow
€622k▲
2023 · €177k
Current ratio
4.04▲
2023 · 1.93
Debt to equity
0.36▼
2023 · 1.25
ROE
42.4%▲
2023 · 15.7%
ROA
31.1%▲
2023 · 7.0%
Interest coverage
1390.19▲
2023 · 770.15
Debt ≤ 1 year
€414k▼
2023 · €830k
Income taxes
€219k▲
2023 · €58k
Staff costs
€1.80M▲
2023 · €1.68M
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 · 55 lines
Balance sheet
Code20232024
Assets
Total assets20/58€1.77M€1.86M▲
Fixed assets21/28€167k€184k▲
Intangible fixed assets21€18k€13k▼
Tangible fixed assets22/27€131k€152k▲
Land and buildings22€64k€56k▼
Plant, machinery and equipment23€17k€20k▲
Furniture and vehicles24€50k€75k▲
Financial fixed assets28€19k€19k=
Current assets29/58€1.60M€1.67M▲
Amounts receivable within one year40/41€1.10M€1.20M▲
Trade receivables40€1.10M€1.20M▲
Other amounts receivable41€1k€0▼
Cash at bank and in hand54/58€469k€442k▼
Deferred charges and accrued income490/1€31k€37k▲
Equity and liabilities
Total equity and liabilities10/49€1.77M€1.86M▲
Equity10/15€786k€1.36M▲
Contributions10/11€21k€21k=
Reserves13€765k€1.34M▲
Tax-exempt reserves132€3k€3k=
Distributable reserves133€762k€1.34M▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€980k€494k▼
Amounts payable within one year42/48€830k€414k▼
Trade debts44€243k€97k▼
Suppliers440/4€243k€97k▼
Taxes, remuneration and social security45€313k€315k▲
Taxes450/3€132k€138k▲
Remuneration and social security454/9€182k€177k▼
Other amounts payable47/48€273k€2k▼
Accrued charges and deferred income492/3€151k€80k▼
Income statement
Code20232024
Non-recurring operating income76A€0€673▲
Remuneration, social security and pensions62€1.68M€1.80M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€54k€44k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€14k€16k▲
Non-recurring operating charges66A-€450
Gross operating margin9900€1.92M€2.66M▲
Operating profit (loss)9901€175k€795k▲
Financial income75/76B€6k€3k▼
Recurring financial income75€768€3k▲
Non-recurring financial income76B€5k€0▼
Financial charges65/66B€297€603▲
Recurring financial charges65€297€603▲
Profit (loss) for the period before taxes9903€181k€797k▲
Income taxes67/77€58k€219k▲
Profit (loss) for the period9904€123k€578k▲
Transfer from tax-exempt reserves789€0-
Profit (loss) for the period to be appropriated9905€123k€578k▲
Appropriation of the result
Profit (loss) to be appropriated9906€123k€578k▲
Transfer from equity791/2€127k€0▼
Transfer to equity691/2€0€578k▲
To other reserves6921€0€578k▲
Profit to be distributed694/7€250k€0▼
Return on contributions (dividend)694€250k€0▼
Social balance
Average headcount (FTE)908726.125.5▼
The notes to these accounts (17 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity doublescurrent ratio 4.04
Current ratio from 1.93 to 4.04; short-term debt falls from €830k to €414k.
31-12
Financial
Equity above €1MEq €1.36M ▲73.6%
7 profitable years in a row build equity to €1.36M.
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €123k ▼71.4%
Net result drops to €123k, the lowest in the series; recovery starts the following year.
07-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €649k ▲93.6%
Operating result €882k, net result €649k, both a record.
31-12
Financial
Equity above €500kEq €632k ▲30.8%
4 profitable years in a row build equity to €632k.
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Gent · 1 establishment unit since 2018
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.
Lange Kruisstraat 319000 GentGround area
1,140 m²
Building footprint
1,139 m²
Volume, LiDAR
18,334 m³
Parcel 44803C0620/00H000, Flanders · tallest building 23.3 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
COM & CO
since 20182.282.547.085
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44803C0620/00H000 | Flanders | 1,140 m² | 1 · 1,139 m² | 23.3 m · 6 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 2025 · 4 entries · 4,431 EUR awarded · 4,431 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 0 EUR | 450 EUR |
| 2024 | 1 | 450 EUR | 0 EUR |
| 2023 | 1 | 2,465 EUR | 3,981 EUR |
| 2022 | 1 | 1,516 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 13,421 companies in sector 73300 we hold annual accounts for 6,901. 2,563 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
Founded01-10-2018
Fiscal year end31-12
Activities, NACEBEL 2025
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.