Anchovy Labs
ActiveSummary
Anchovy Labs has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €22k and a net result of €56k. Equity is shrinking by ~30.3% per year across the filed fiscal years. Its solvency ranks better than 23% of 17090 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency48▼-23
Growth32=
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.01 against 1.08 in 2024; short-term debt: 76.7% and cash: 54.4% of total assets), and 76.7% 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 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← 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
23.3%
Return on assets
60.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 17090 sector peers (2025).
NBB · sector comparisonPosition among 17090 sector peers
Solvency
better than 23%
← 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 19-02-2026, 162 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
162 d early
2024
21 d early
2023
127 d late
2022
28 d late
2021
17 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€22k▼ 16.8%
2024 · €26k
2021: €83k
2022: €161k▲ +94.9% vs 2021highest in 5 years
2023: €116k▼ -27.9% vs 2022
2024: €26k▼ -77.7% vs 2023
2025: €22k▼ -16.8% vs 2024lowest in 5 years
2021 → 2025
Total assets
€92k▲ 63.0%
2024 · €57k
2021: €133k
2022: €222k▲ +67.5% vs 2021highest in 5 years
2023: €146k▼ -34.3% vs 2022
2024: €57k▼ -61.2% vs 2023lowest in 5 years
2025: €92k▲ +63.0% vs 2024
2021 → 2025
Net result
€56k▲ 39.7%
2024 · €40k
2021: €108khighest in 5 years
2022: €78k▼ -27.2% vs 2021
2023: €-45k▼ -157% vs 2022lowest in 5 years
2024: €40k▲ +189% vs 2023
2025: €56k▲ +39.7% vs 2024
2021 → 2025
Working capital
€639▼ 73.1%
2024 · €2k
2021: €80k
2022: €151k▲ +88.6% vs 2021highest in 5 years
2023: €100k▼ -33.9% vs 2022
2024: €2k▼ -97.6% vs 2023
2025: €639▼ -73.1% vs 2024lowest in 5 years
2021 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€83k-€161k▲ 94.9%€116k▼ 27.9%€26k▼ 77.7%€22k▼ 16.8%
2021: €83k
2022: €161k▲ +94.9% vs 2021highest in 5 years
2023: €116k▼ -27.9% vs 2022
2024: €26k▼ -77.7% vs 2023
2025: €22k▼ -16.8% vs 2024lowest in 5 years
Operating result€126k-€97k▼ 23.7%€-49k€40k€75k▲ 87.7%
2021: €126khighest in 5 years
2022: €97k▼ -23.7% vs 2021
2023: €-49k▼ -150% vs 2022lowest in 5 years
2024: €40k▲ +182% vs 2023
2025: €75k▲ +87.7% vs 2024
Net result€108k-€78k▼ 27.2%€-45k€40k€56k▲ 39.7%
2021: €108khighest in 5 years
2022: €78k▼ -27.2% vs 2021
2023: €-45k▼ -157% vs 2022lowest in 5 years
2024: €40k▲ +189% vs 2023
2025: €56k▲ +39.7% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 88% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €92k
Fixed assets
€21k ▼ 11.1%
Current assets
€71k ▲ 116%
Equity and liabilities €92k
Equity
€22k ▼ 16.8%
Debt
€71k ▲ 130%
Debt's share of the balance-sheet total rises from 54.3% to 76.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€80k▲
2024 · €45k
Cash flow
€61k▲
2024 · €45k
Current ratio
1.01▼
2024 · 1.08
Debt to equity
3.29▲
2024 · 1.19
ROE
258.6%▲
2024 · 154.0%
ROA
60.3%▼
2024 · 70.4%
Interest coverage
767.24▲
2024 · 273.28
Debt ≤ 1 year
€71k▲
2024 · €31k
Income taxes
€19k▲
2024 · €-215
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€57k€92k▲
Fixed assets21/28€23k€21k▼
Tangible fixed assets22/27€23k€21k▼
Furniture and vehicles24€23k€21k▼
Current assets29/58€33k€71k▲
Amounts receivable within one year40/41€5k€21k▲
Trade receivables40-€7k
Other amounts receivable41€5k€14k▲
Cash at bank and in hand54/58€28k€50k▲
Deferred charges and accrued income490/1-€325
Equity and liabilities
Total equity and liabilities10/49€57k€92k▲
Equity10/15€26k€22k▼
Contributions10/11€5k€5k=
Reserves13-€17k
Distributable reserves133-€17k
Profit (loss) carried forward14€21k-
Amounts payable17/49€31k€71k▲
Amounts payable within one year42/48€31k€71k▲
Financial debts43-€377
Credit institutions430/8-€377
Trade debts44€4k€5k▲
Suppliers440/4€4k€5k▲
Taxes, remuneration and social security45€24k€6k▼
Taxes450/3€24k€6k▼
Other amounts payable47/48€2k€60k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€5k▼
Other operating charges640/8€387€400▲
Gross operating margin9900€46k€80k▲
Operating profit (loss)9901€40k€75k▲
Financial income75/76B€23€13▼
Recurring financial income75€23€13▼
Financial charges65/66B€166€104▼
Recurring financial charges65€166€104▼
Profit (loss) for the period before taxes9903€40k€75k▲
Income taxes67/77€-215€19k▲
Profit (loss) for the period9904€40k€56k▲
Profit (loss) for the period to be appropriated9905€40k€56k▲
Appropriation of the result
Profit (loss) to be appropriated9906€151k€77k▼
Profit (loss) brought forward from the previous period14P€111k€21k▼
Transfer to equity691/2-€17k
To other reserves6921-€17k
Profit to be distributed694/7€130k€60k▼
Return on contributions (dividend)694€130k€60k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1k | €2k | €3k | €6k | €5k | ▼ 10.8% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €38k | - | - | - |
| Other operating charges640/8 | - | - | €384 | €387 | €400 | ▲ 3.2% |
| Gross operating margin9900 | €127k | €99k | €-7k | €46k | €80k | ▲ 75.1% |
| Operating profit (loss)9901 | €126k | €97k | €-49k | €40k | €75k | ▲ 87.7% |
| Financial income75/76B | €447 | €1k | €4k | €23 | €13 | ▼ 41.5% |
| Recurring financial income75 | €447 | €1k | €4k | €23 | €13 | ▼ 41.5% |
| Financial charges65/66B | €148 | €184 | €73 | €166 | €104 | ▼ 37.4% |
| Recurring financial charges65 | €148 | €184 | €73 | €166 | €104 | ▼ 37.4% |
| Profit (loss) for the period before taxes9903 | €127k | €98k | €-45k | €40k | €75k | ▲ 88.2% |
| Income taxes67/77 | €19k | €19k | €349 | €-215 | €19k | ▲ 8,888% |
| Profit (loss) for the period9904 | €108k | €78k | €-45k | €40k | €56k | ▲ 39.7% |
| Profit (loss) for the period to be appropriated9905 | €108k | €78k | €-45k | €40k | €56k | ▲ 39.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €133k | €222k | €146k | €57k | €92k | ▲ 63.0% |
| Fixed assets21/28 | €2k | €10k | €16k | €23k | €21k | ▼ 11.1% |
| Tangible fixed assets22/27 | €2k | €10k | €16k | €23k | €21k | ▼ 11.1% |
| Furniture and vehicles24 | €2k | €10k | €16k | €23k | €21k | ▼ 11.1% |
| Current assets29/58 | €130k | €213k | €130k | €33k | €71k | ▲ 116% |
| Amounts receivable within one year40/41 | €22k | €56k | €107k | €5k | €21k | ▲ 339% |
| Trade receivables40 | €7k | €30k | €1k | - | €7k | - |
| Other amounts receivable41 | €16k | €26k | €106k | €5k | €14k | ▲ 193% |
| Cash at bank and in hand54/58 | €108k | €156k | €23k | €28k | €50k | ▲ 77.0% |
| Deferred charges and accrued income490/1 | - | €591 | €10 | - | €325 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €133k | €222k | €146k | €57k | €92k | ▲ 63.0% |
| Equity10/15 | €83k | €161k | €116k | €26k | €22k | ▼ 16.8% |
| Contributions10/11 | €5k | €5k | €5k | €5k | €5k | = |
| Reserves13 | - | - | - | - | €17k | - |
| Distributable reserves133 | - | - | - | - | €17k | - |
| Profit (loss) carried forward14 | €78k | €156k | €111k | €21k | - | - |
| Amounts payable17/49 | €50k | €61k | €30k | €31k | €71k | ▲ 130% |
| Amounts payable within one year42/48 | €50k | €61k | €30k | €31k | €71k | ▲ 130% |
| Financial debts43 | - | €1k | - | - | €377 | - |
| Credit institutions430/8 | - | €1k | - | - | €377 | - |
| Trade debts44 | €64 | €433 | €2k | €4k | €5k | ▲ 2.4% |
| Suppliers440/4 | €64 | €433 | €2k | €4k | €5k | ▲ 2.4% |
| Taxes, remuneration and social security45 | €20k | €30k | €28k | €24k | €6k | ▼ 76.2% |
| Taxes450/3 | €20k | €30k | €28k | €24k | €6k | ▼ 76.2% |
| Other amounts payable47/48 | €30k | €30k | - | €2k | €60k | ▲ 3,086% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €108k | €78k | €-45k | €40k | €56k | ▲ 39.7% |
| + Depreciation and write-downs630 | €1k | €2k | €3k | €6k | €5k | ▼ 10.8% |
| Operating cash flow (approximation) | €109k | €81k | €-42k | €45k | €61k | ▲ 33.5% |
| Investment in fixed assets (approximation) | - | €-10k | €-10k | €-13k | €-2k | ▲ 82.0% |
| Change in cash | - | €48k | €-133k | €5k | €22k | ▲ 316% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
19-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €40k
Net result €40k after one loss-making year.
05-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 127 days late
2023
31-12
Financial
Weakest financial yearnet €-45k
Net result drops to €-45k, 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
2022
31-12
Financial
Equity above €150kEq €161k ▲94.9%
2 profitable years in a row build equity to €161k.
17-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Sint-Gillis (bij-Brussel) · 1 establishment unit since 2020
Ground area
177 m²
Building footprint
93 m²
Volume, LiDAR
1,127 m³
Parcel 21562A0122/00T013, Brussels · tallest building 17.1 m, ±5 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Anchovy Labs
since 20202.309.833.581
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21562A0122/00T013 | Brussels | 177 m² | 1 · 93 m² | 17.1 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
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 16,879 companies in sector 62100 we hold annual accounts for 8,771. 5,888 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded01-10-2020
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
Scores and ratios are computed by Checked and are not a credit decision.