AboveRF
ActiveAboveRF has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €116k and a net result of €28k. Equity is growing by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 55% of 17022 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▼-8
Solvency89▲+8
Growth32=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 2.85 against 2.23 in 2024; short-term debt: 35% and cash: 84.3% of total assets), and 35.7% of the assets are financed with debt.
Credit advice 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 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
64.3%
Return on assets
15.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-08-2026, 14 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
14 d late
2024
6 d early
2023
26 d early
2022
28 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€116k▲ 31.3%
2024 · €88k
2022: €170k
2023: €53k
2024: €88k
2022 → 2025
Total assets
€180k▲ 13.6%
2024 · €159k
2022: €216k
2023: €228k
2024: €159k
2022 → 2025
Net result
€28k▼ 20.6%
2024 · €35k
2022: €160k
2023: €-4k
2024: €35k
2022 → 2025
Working capital
€117k▲ 35.2%
2024 · €86k
2022: €168k
2023: €51k
2024: €86k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€170k-€53k▼ 68.5%€88k▲ 65.1%€116k▲ 31.3%
Operating result€160k-€12k▼ 92.5%€45k▲ 271%€37k▼ 16.5%
Net result€160k-€-4k€35k€28k▼ 20.6%
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 17% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €180k
Fixed assets
€504▼ 75.0%
Current assets
€180k▲ 14.8%
Equity and liabilities €180k
Equity
€116k▲ 31.3%
Debt
€64k▼ 8.6%
The debt ratio falls from 44.3% to 35.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€39k▼
2024 · €46k
Cash flow
€29k▼
2024 · €36k
Solvency
64.3%▲
2024 · 55.7%
Current ratio
2.85▲
2024 · 2.23
Quick ratio
2.85▲
2024 · 2.23
Debt / equity
0.55▼
2024 · 0.80
ROE
23.8%▼
2024 · 39.4%
ROA
15.3%▼
2024 · 22.0%
Interest coverage
224.31▲
2024 · 161.35
Debt
€64k▼
2024 · €70k
Debt ≤ 1 year
€63k▼
2024 · €70k
Income taxes
€9k▼
2024 · €10k
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€159k€180k▲
Fixed assets21/28€2k€504▼
Tangible fixed assets22/27€2k€504▼
Plant, machinery and equipment23€2k€504▼
Current assets29/58€157k€180k▲
Amounts receivable within one year40/41€37k€28k▼
Trade receivables40€19k€25k▲
Other amounts receivable41€18k€2k▼
Cash at bank and in hand54/58€119k€152k▲
Deferred charges and accrued income490/1€295-
Equity and liabilities
Total equity and liabilities10/49€159k€180k▲
Equity10/15€88k€116k▲
Contributions10/11€10k€10k=
Reserves13-€28k
Distributable reserves133-€28k
Profit (loss) carried forward14€78k€78k=
Amounts payable17/49€70k€64k▼
Amounts payable within one year42/48€70k€63k▼
Trade debts44€20k€32k▲
Suppliers440/4€20k€32k▲
Taxes, remuneration and social security45€20k€9k▼
Taxes450/3€17k€6k▼
Remuneration and social security454/9€3k€3k▲
Other amounts payable47/48€30k€22k▼
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€505€7k▲
Gross operating margin9900€47k€46k▼
Operating profit (loss)9901€45k€37k▼
Financial income75/76B€6€0▼
Recurring financial income75€6€0▼
Financial charges65/66B€286€173▼
Recurring financial charges65€286€173▼
Profit (loss) for the period before taxes9903€44k€37k▼
Income taxes67/77€10k€9k▼
Profit (loss) for the period9904€35k€28k▼
Profit (loss) for the period to be appropriated9905€35k€28k▼
Appropriation of the result
Profit (loss) to be appropriated9906€78k€106k▲
Profit (loss) brought forward from the previous period14P€43k€78k▲
Transfer to equity691/2-€28k
To other reserves6921-€28k
The notes to these accounts (4 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
14-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 14 days late
2025
31-12
Financial
Equity above €100kEq €116k ▲31.3%
2 profitable years in a row build equity to €116k.
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €35k
Net result €35k after one loss-making year.
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-4k ▼103%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Antwerpen · 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.
Arthur Goemaerelei 892018 AntwerpenGround area
269 m²
Building footprint
98 m²
Volume, LiDAR
1,090 m³
Parcel 11810K1907/00F002, Flanders · tallest building 14.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
AboveRF
since 20212.319.179.829
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11810K1907/00F002 | Flanders | 269 m² | 1 · 98 m² | 14.7 m · 4 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
2024 · 1 entry · 180 EUR awarded · 180 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 180 EUR | 180 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 16,887 companies in sector 62100 we hold annual accounts for 8,777. 6,941 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-07-2021
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.