Summary
Cometecco 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 €188k and a net result of €15k. Equity is growing by ~11.3% per year across the filed fiscal years. Its solvency ranks better than 35% of 8023 sector peers (fiscal year 2025). The company has been active since 2021 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
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
on the day
2022
2 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€188k▼ 66.0%
2024 · €552k
2022: €267k
2023: €365k
2024: €552k
2022 → 2025
Net result
€15k▼ 91.8%
2024 · €188k
2022: €262k
2023: €98k
2024: €188k
2022 → 2025
Total assets
€578k▼ 15.9%
2024 · €688k
2022: €370k
2023: €407k
2024: €688k
2022 → 2025
Solvency
32.4%▼ 47.9pp
2024 · 80.3%
2022: 72.1%
2023: 89.6%
2024: 80.3%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€267k-€365k▲ 36.7%€552k▲ 51.4%€188k▼ 66.0%
Operating result€345k-€128k▼ 63.0%€240k▲ 88.2%€10k▼ 95.7%
Net result€262k-€98k▼ 62.6%€188k▲ 91.5%€15k▼ 91.8%
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 2025; 2025 is 96% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €578k
Fixed assets
€23k ▼ 31.3%
Current assets
€555k ▼ 15.1%
Equity and liabilities €578k
Equity
€188k ▼ 66.0%
Debt
€391k ▲ 189%
Debt's share of the balance-sheet total rises from 19.7% to 67.6%. Equity is lower and debt is higher.
Key figures and ratios
ROE
8.2%▼
2024 · 34.0%
ROA
2.6%▼
2024 · 27.3%
Debt ≤ 1 year
€391k▲
2024 · €65k
Income taxes
€7k▼
2024 · €61k
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 · 2025 against 2024 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€688k€578k▼
Fixed assets21/28€34k€23k▼
Tangible fixed assets22/27€34k€23k▼
Land and buildings22€13k€11k▼
Plant, machinery and equipment23€675€389▼
Furniture and vehicles24€20k€12k▼
Current assets29/58€654k€555k▼
Amounts receivable after more than one year29€320k€320k=
Trade receivables290€320k-
Other amounts receivable291-€320k
Amounts receivable within one year40/41€5k€4k▼
Trade receivables40€0-
Other amounts receivable41€5k€4k▼
Current investments50/53€181k€181k=
Cash at bank and in hand54/58€146k€50k▼
Deferred charges and accrued income490/1€3k€1k▼
Equity and liabilities
Total equity and liabilities10/49€688k€578k▼
Equity10/15€552k€188k▼
Contributions10/11€5k€5k=
Reserves13€547k€183k▼
Distributable reserves133€547k€183k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€135k€391k▲
Amounts payable within one year42/48€65k€391k▲
Financial debts43€449€461▲
Credit institutions430/8€449€461▲
Trade debts44€4k€4k▼
Suppliers440/4€4k€4k▼
Taxes, remuneration and social security45€61k€6k▼
Taxes450/3€61k€6k▼
Other amounts payable47/48-€380k
Accrued charges and deferred income492/3€70k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k=
Other operating charges640/8€1k€832▼
Gross operating margin9900€252k€22k▼
Operating profit (loss)9901€240k€10k▼
Financial income75/76B€9k€13k▲
Recurring financial income75€9k€13k▲
Financial charges65/66B€578€1k▲
Recurring financial charges65€578€1k▲
Profit (loss) for the period before taxes9903€248k€22k▼
Income taxes67/77€61k€7k▼
Profit (loss) for the period9904€188k€15k▼
Profit (loss) for the period to be appropriated9905€188k€15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€188k€15k▼
Transfer from equity791/2-€380k
Transfer to equity691/2€188k€15k▼
To other reserves6921€188k€15k▼
Profit to be distributed694/7-€380k
Return on contributions (dividend)694-€380k
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
Next filing, fiscal year 2026, expected by
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Weakest financial yearnet €15k ▼91.8%
Net result drops to €15k, the lowest in the series.
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Equity above €500kEq €552k ▲51.4%
3 profitable years in a row build equity to €552k.
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
07-08
State Gazette act
Board meeting · General meeting
Power of attorney · Director appointment
31-03
Financial
Liquidity triplescurrent ratio 8.61
Current ratio from 3.06 to 8.61; short-term debt falls from €103k to €42k.
2022
02-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
Financial milestoneState Gazette actNBB 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, Ukkel · 1 establishment unit since 2021
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.
Schoon Uitzichtlaan 321180 UkkelGround area
1,013 m²
Building footprint
544 m²
Volume, LiDAR
9,901 m³
Parcel 21612C0056/02W078, Brussels · tallest building 22.1 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Cometecco
since 20212.318.756.888
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21612C0056/02W078 | Brussels | 1,013 m² | 1 · 544 m² | 22.1 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.
Similar companies · same sector, comparable size
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LUMOFIN
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MIVC
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Les Portes invest
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,479 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
Founded04-06-2021
Fiscal year end31-03
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.