ALTIFOR
ActiveSummary
ALTIFOR has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €59k and a net result of €-12k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 66% of 20780 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0=
Solvency100▲+13
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 2.48 against 2.66 in 2023; short-term debt: 24.8% and cash: 57.4% of total assets), and 24.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 · 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
75.2%
Return on assets
-15.5%
Age of the figures
21 mo
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 · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year €-12k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
12 d late
2022
37 d late
2021
41 d early
2020
31 d late
2019
39 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€59k▼ 17.1%
2023 · €71k
2018: €14k
2019: €14k
2020: €62k
2021: €101k
2022: €146k
2023: €71k
2018 → 2024
Total assets
€78k▼ 31.7%
2023 · €114k
2018: €54k
2019: €68k
2020: €138k
2021: €181k
2022: €235k
2023: €114k
2018 → 2024
Net result
€-12k▲ 83.9%
2023 · €-75k
2018: €-3k
2019: €44
2020: €48k
2021: €39k
2022: €44k
2023: €-75k
2018 → 2024
Working capital
€29k▼ 39.3%
2023 · €47k
2018: €28k
2019: €45k
2020: €103k
2021: €146k
2022: €196k
2023: €47k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€62k-€101k▲ 63.5%€146k▲ 43.7%€71k▼ 51.5%€59k▼ 17.1%
Operating result€71k-€54k▼ 23.8%€56k▲ 2.9%€-75k€-12k▲ 83.6%
Net result€48k-€39k▼ 17.3%€44k▲ 12.6%€-75k€-12k▲ 83.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €12k in 2024 against €75k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €78k
Fixed assets
€30k ▼ 22.1%
Current assets
€48k ▼ 36.6%
Equity and liabilities €78k
Equity
€59k ▼ 17.1%
Debt
€19k ▼ 55.5%
Debt's share of the balance-sheet total falls from 38.1% to 24.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-4k▲
2023 · €-71k
Cash flow
€-4k▲
2023 · €-71k
Current ratio
2.48▼
2023 · 2.66
Debt to equity
0.33▼
2023 · 0.62
ROE
-20.6%▲
2023 · -106.3%
ROA
-15.5%▲
2023 · -65.8%
Interest coverage
-64.97▲
2023 · -1088.73
Debt ≤ 1 year
€19k▼
2023 · €28k
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 · 46 lines
Balance sheet
Code20232024
Assets
Total assets20/58€114k€78k▼
Fixed assets21/28€38k€30k▼
Tangible fixed assets22/27€38k€30k▼
Furniture and vehicles24€38k€30k▼
Current assets29/58€76k€48k▼
Amounts receivable within one year40/41€31k€3k▼
Trade receivables40€14k-
Other amounts receivable41€17k€3k▼
Cash at bank and in hand54/58€45k€45k▲
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€114k€78k▼
Equity10/15€71k€59k▼
Contributions10/11€12k€12k=
Reserves13€87k€87k=
Non-distributable reserves130/1-€87k
Other1319-€87k
Distributable reserves133€87k-
Profit (loss) carried forward14€-29k€-41k▼
Amounts payable17/49€43k€19k▼
Amounts payable after more than one year17€15k-
Other amounts payable178/9€15k-
Amounts payable within one year42/48€28k€19k▼
Financial debts43€326-
Credit institutions430/8€326-
Trade debts44€25k€121▼
Suppliers440/4€25k€121▼
Taxes, remuneration and social security45€57-
Taxes450/3€57-
Other amounts payable47/48€3k€19k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€8k▲
Other operating charges640/8€760€387▼
Gross operating margin9900€-70k€-3k▲
Operating profit (loss)9901€-75k€-12k▲
Financial income75/76B€62€259▲
Recurring financial income75€62€259▲
Financial charges65/66B€65€59▼
Recurring financial charges65€65€59▼
Profit (loss) for the period before taxes9903€-75k€-12k▲
Income taxes67/77€113-
Profit (loss) for the period9904€-75k€-12k▲
Profit (loss) for the period to be appropriated9905€-75k€-12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-74k€-41k▲
Profit (loss) brought forward from the previous period14P€911€-29k▼
Transfer from equity791/2€45k-
Transfer to equity691/2€0-
To other reserves6921€0-
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
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 12 days late
2023
31-12
Financial
Weakest financial yearnet €-75k
Net result drops to €-75k, the lowest in the series; recovery starts the following year.
06-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 37 days late
2022
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100kEq €101k ▲63.5%
3 profitable years in a row build equity to €101k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Highest result since 2018net €48k ▲107,150%
Operating result €71k, net result €48k, both a record.
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €44
Net result €44 after one loss-making year.
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
20-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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Directors · office · real estate
Directors
4 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, Deinze · 1 establishment unit since 2010
Ground area
1,163 m²
Building footprint
201 m²
Volume, LiDAR
974 m³
Parcel 44006B0273/00L000, Flanders · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
6
companies at this address
See who is registered here
1 establishment unit
Leernsesteenweg 237, 9800 Deinze
since 20102.188.071.164
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44006B0273/00L000 | Flanders | 1,163 m² | 1 · 201 m² | 7.2 m · 2 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.
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Of 29,993 companies in sector 62200 we hold annual accounts for 18,396. 15,440 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
Founded07-05-2010
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
46190Agents in non-specialised wholesale trade
73200Market research and public opinion polling
82100Office administrative and support services
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.