COMBO//A2
ActiveSummary
COMBO//A2 has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €22k and a net result of €-620. Equity is growing by ~38.2% per year across the filed fiscal years. Its solvency ranks better than 77% of 11615 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability26▼-74
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 4.23 against 12.13 in 2023; short-term debt: 21.3% and cash: 42.9% of total assets), and 21.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← 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 2024Solvency, return and age of the figures
Solvency
78.7%
Return on assets
-2.2%
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 25-06-2025, 36 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
36 d early
2023
33 d early
2022
32 d early
2021
67 d early
2020
51 d early
2019
57 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€22k▼ 2.7%
2023 · €23k
2018: €-7k
2019: €2k
2020: €14k
2021: €10k
2022: €13k
2023: €23k
2018 → 2024
Total assets
€28k▲ 14.5%
2023 · €25k
2018: €4k
2019: €3k
2020: €15k
2021: €13k
2022: €24k
2023: €25k
2018 → 2024
Net result
€-620
2023 · €10k
2018: €-9k
2019: €9k
2020: €12k
2021: €-4k
2022: €3k
2023: €10k
2018 → 2024
Working capital
€20k▼ 3.8%
2023 · €20k
2018: €-8k
2019: €2k
2020: €14k
2021: €10k
2022: €9k
2023: €20k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€14k-€10k▼ 26.1%€13k▲ 24.8%€23k▲ 81.2%€22k▼ 2.7%
Operating result€12k-€-4k€3k€11k▲ 249%€1k▼ 89.3%
Net result€12k-€-4k€3k€10k▲ 309%€-620
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 89% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €28k
Fixed assets
€3k ▲ 5.6%
Current assets
€26k ▲ 15.6%
Equity and liabilities €28k
Equity
€22k ▼ 2.7%
Debt
€6k ▲ 232%
Debt's share of the balance-sheet total rises from 7.3% to 21.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€2k▼
2023 · €12k
Cash flow
€298▼
2023 · €11k
Current ratio
4.23▼
2023 · 12.13
Quick ratio
2.13▼
2023 · 6.99
Debt to equity
0.27▲
2023 · 0.08
ROE
-2.8%▼
2023 · 44.8%
ROA
-2.2%▼
2023 · 41.5%
Interest coverage
1.25▼
2023 · 11.50
Debt ≤ 1 year
€6k▲
2023 · €2k
Income taxes
€140
Staff costs
€8k
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 · 45 lines
Balance sheet
Code20232024
Assets
Total assets20/58€25k€28k▲
Fixed assets21/28€3k€3k▲
Tangible fixed assets22/27€2k€2k▲
Furniture and vehicles24€2k€2k▲
Financial fixed assets28€1k€1k=
Current assets29/58€22k€26k▲
Stocks and contracts in progress3€9k€13k▲
Stocks30/36€9k€13k▲
Amounts receivable within one year40/41€845€356▼
Trade receivables40€845€356▼
Cash at bank and in hand54/58€12k€12k▲
Deferred charges and accrued income490/1€258€334▲
Equity and liabilities
Total equity and liabilities10/49€25k€28k▲
Equity10/15€23k€22k▼
Contributions10/11€19k€19k=
Reserves13€4k€4k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€3k€2k▼
Amounts payable17/49€2k€6k▲
Amounts payable within one year42/48€2k€6k▲
Trade debts44€1k€868▼
Suppliers440/4€1k€868▼
Taxes, remuneration and social security45€74€3k▲
Taxes450/3€74€2k▲
Remuneration and social security454/9-€1k
Other amounts payable47/48€336€2k▲
Income statement
Code20232024
Remuneration, social security and pensions62-€8k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€885€918▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€14k€11k▼
Operating profit (loss)9901€11k€1k▼
Financial income75/76B€0€13▲
Recurring financial income75€0€13▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€10k€-480▼
Income taxes67/77-€140
Profit (loss) for the period9904€10k€-620▼
Profit (loss) for the period to be appropriated9905€10k€-620▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€-620▼
Profit (loss) brought forward from the previous period14P€-8k-
Transfer from equity791/2-€620
Transfer to equity691/2€3k-
To other reserves6921€3k-
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity times 7current ratio 12.13
Current ratio from 1.81 to 12.13; short-term debt falls from €11k to €2k.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
25-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
10-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €12k ▲29.4%
Operating result €12k, net result €12k, both a record.
31-12
Financial
Liquidity times 5current ratio 10.52
Current ratio from 2.02 to 10.52; short-term debt falls from €2k to €1k.
04-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
31-12
Financial
Liquidity times 7current ratio 2.02
Current ratio from 0.27 to 2.02; short-term debt falls from €11k to €2k.
Show earlier events
31-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
11-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
06-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
23-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Sint-Gillis (bij-Brussel) · 2 establishment units 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.
Louis Moricharplein 161060 Sint-Gillis (bij-Brussel)Ground area
393 m²
Building footprint
354 m²
Volume, LiDAR
5,613 m³
3 parcels, Brussels · tallest building 27.9 m, ±8 floors. Linked by address, not a title deed.
2 establishment units
COMBO//A2
since 20042.138.661.245
COMBO//A2
since 20242.353.986.892
3 parcels
Brussels
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21013B0349/00N003 | Brussels | 157 m² | 1 · 146 m² | 27.9 m · 8 fl. |
| 21447B0236/00D005 | Brussels | 124 m² | 1 · 112 m² | 20.3 m · 5 fl. |
| 21013B0316/02C003 | Brussels | 111 m² | 1 · 96 m² | 17.8 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
FMB ARCHITECTURE
BE 0672.723.308
Tervuren · Eq €22,367
GALVA architectuur
BE 1020.548.678
Mechelen · Eq €22,396
Walravens Weets Architecten
BE 0778.856.154
Merchtem · Eq €22,347
KLELS ARCHI
BE 0677.617.749
Habay · Eq €22,346
ACTES - ARCHITECTES
BE 0827.596.872
Gerpinnes · Eq €22,406
Of 18,255 companies in sector 71111 we hold annual accounts for 6,321. 4,626 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
Founded15-07-1998
Fiscal year end31-12
Activities, NACEBEL 2025
71111Activities of building architects
47551Retail sale of household furniture
47793Retail sale of other second-hand goods, excluding clothing
70200Business and other management consultancy
71112Activities of interior architects
74130Interior design
95240Repair and maintenance of furniture and upholstery
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.