28happy
Active28happy has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €58k and a net result of €40k. Equity is growing by ~38.1% per year across the filed fiscal years. Its solvency ranks better than 21% of 16935 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency14▼-86
Growth78=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days only on tighter terms
Liquidity short (current ratio 0.49 against 2.18 in 2024), and 79.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
20.3%
Return on assets
14%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 16935 sector peers (2025).
NBB · sector comparisonPosition among 16935 sector peers
Solvency
better than 21%
← weakest
strongest →
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 24-04-2026, 98 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
98 d early
2024
42 d early
2023
1 d early
2022
31 d early
2021
37 d early
2020
36 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€58k▼ 65.5%
2024 · €168k
2020: €32k
2021: €59k
2022: €138k
2023: €122k
2024: €168k
2020 → 2025
Total assets
€285k▲ 43.3%
2024 · €199k
2020: €45k
2021: €73k
2022: €152k
2023: €231k
2024: €199k
2020 → 2025
Net result
€40k▼ 37.9%
2024 · €64k
2020: €27k
2021: €27k
2022: €79k
2023: €74k
2024: €64k
2020 → 2025
Working capital
€-115k
2024 · €35k
2020: €32k
2021: €53k
2022: €129k
2023: €15k
2024: €35k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€59k-€138k▲ 134%€122k▼ 11.8%€168k▲ 38.1%€58k▼ 65.5%
Operating result€35k-€100k▲ 186%€90k▼ 9.8%€83k▼ 7.3%€110k▲ 32.2%
Net result€27k-€79k▲ 198%€74k▼ 6.5%€64k▼ 12.7%€40k▼ 37.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 32% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €285k
Fixed assets
€173k▲ 28.3%
Current assets
€112k▲ 74.6%
Equity and liabilities €285k
Equity
€58k▼ 65.5%
Debt
€227k▲ 630%
The debt ratio rises from 15.6% to 79.7%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€112k▲
2024 · €86k
Cash flow
€42k▼
2024 · €67k
Solvency
20.3%▼
2024 · 84.4%
Current ratio
0.49▼
2024 · 2.18
Quick ratio
0.49▼
2024 · 2.18
Debt / equity
3.92▲
2024 · 0.19
ROE
68.8%▲
2024 · 38.3%
ROA
14.0%▼
2024 · 32.3%
Interest coverage
1.98▼
2024 · 1165.84
Debt
€227k▲
2024 · €31k
Debt ≤ 1 year
€227k▲
2024 · €29k
Income taxes
€13k▼
2024 · €19k
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€199k€285k▲
Fixed assets21/28€135k€173k▲
Tangible fixed assets22/27€8k€6k▼
Furniture and vehicles24€8k€6k▼
Financial fixed assets28€127k€167k▲
Current assets29/58€64k€112k▲
Amounts receivable within one year40/41€55k€57k▲
Trade receivables40€53k€56k▲
Other amounts receivable41€2k€1k▼
Cash at bank and in hand54/58€8k€54k▲
Deferred charges and accrued income490/1€1k€837▼
Equity and liabilities
Total equity and liabilities10/49€199k€285k▲
Equity10/15€168k€58k▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€163k€53k▼
Amounts payable17/49€31k€227k▲
Amounts payable within one year42/48€29k€227k▲
Trade debts44€1k€486▼
Suppliers440/4€1k€486▼
Taxes, remuneration and social security45€10k€27k▲
Taxes450/3€10k€27k▲
Other amounts payable47/48€18k€199k▲
Accrued charges and deferred income492/3€2k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€387€400▲
Gross operating margin9900€86k€113k▲
Operating profit (loss)9901€83k€110k▲
Financial income75/76B€25-
Recurring financial income75€25-
Financial charges65/66B€74€57k▲
Recurring financial charges65€74€57k▲
Profit (loss) for the period before taxes9903€83k€53k▼
Income taxes67/77€19k€13k▼
Profit (loss) for the period9904€64k€40k▼
Profit (loss) for the period to be appropriated9905€64k€40k▼
Appropriation of the result
Profit (loss) to be appropriated9906€181k€203k▲
Profit (loss) brought forward from the previous period14P€117k€163k▲
Profit to be distributed694/7€18k€150k▲
Return on contributions (dividend)694€18k€150k▲
The notes to these accounts (9 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
24-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150kEq €168k ▲38.1%
5 profitable years in a row build equity to €168k.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2020net €79k ▲198%
Net result €79k, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 10.31
Current ratio from 5.07 to 10.31.
31-12
Financial
Equity above €100kEq €138k ▲134%
3 profitable years in a row build equity to €138k.
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €27k ▼3.5%
Net result drops to €27k, the lowest in the series; recovery starts the following year.
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Kraainem · 1 establishment unit since 2019
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.
Séquoyaslaan 241950 KraainemGround area
872 m²
Building footprint
209 m²
Volume, LiDAR
1,550 m³
2 parcels, Brussels, Flanders · tallest building 11.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
28happy
since 20192.296.847.954
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22002C0004/00A021 | Flanders | 625 m² | 1 · 133 m² | 11.5 m · 3 fl. |
| 21683D0030/00A003 | Brussels | 248 m² | 1 · 76 m² | 11.1 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
254900B8PC1EWNOT6944
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Of 29,889 companies in sector 62200 we hold annual accounts for 18,318. 15,377 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-11-2019
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
46500Wholesale of information and communication equipment
46510Wholesale trade
46520Wholesale trade
47400Retail sale of information and communication equipment
47410Retail trade
62010Computer programming, consultancy and related activities
62030Computer programming, consultancy and related activities
62100Computer programming
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.