APPTIMAL
ActiveAPPTIMAL has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €113k and a net result of €69k. Equity is growing by ~50.5% per year across the filed fiscal years. Its solvency ranks better than 39% of 16989 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency72▼-27
Growth78=
Track record94
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 1.86 against 3.73 in 2024; short-term debt: 53.3% and cash: 91.5% of total assets), but 53.3% 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
46.7%
Return on assets
28.3%
Age of the figures
9 mo
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 23-07-2026, 8 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
8 d early
2024
21 d early
2023
7 d early
2022
146 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€113k▼ 12.7%
2024 · €130k
2022: €8k
2023: €62k
2024: €130k
2022 → 2025
Total assets
€242k▲ 37.8%
2024 · €176k
2022: €8k
2023: €102k
2024: €176k
2022 → 2025
Net result
€69k▼ 0.3%
2024 · €69k
2022: €-2k
2023: €53k
2024: €69k
2022 → 2025
Working capital
€111k▼ 12.3%
2024 · €126k
2022: €7k
2023: €60k
2024: €126k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€8k-€62k▲ 647%€130k▲ 110%€113k▼ 12.7%
Operating result€-2k-€68k€90k▲ 31.0%€87k▼ 2.8%
Net result€-2k-€53k€69k▲ 29.0%€69k▼ 0.3%
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 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €242k
Fixed assets
€3k▼ 24.2%
Current assets
€240k▲ 39.1%
Equity and liabilities €242k
Equity
€113k▼ 12.7%
Debt
€129k▲ 179%
The debt ratio rises from 26.3% to 53.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€89k▼
2024 · €90k
Cash flow
€70k▲
2024 · €70k
Solvency
46.7%▼
2024 · 73.7%
Current ratio
1.86▼
2024 · 3.73
Quick ratio
1.86▼
2024 · 3.73
Debt / equity
1.14▲
2024 · 0.36
ROE
60.6%▲
2024 · 53.1%
ROA
28.3%▼
2024 · 39.1%
Interest coverage
1586.58▲
2024 · 40.70
Debt
€129k▲
2024 · €46k
Debt ≤ 1 year
€129k▲
2024 · €46k
Income taxes
€19k▼
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€176k€242k▲
Fixed assets21/28€3k€3k▼
Tangible fixed assets22/27€3k€2k▼
Furniture and vehicles24€3k€2k▼
Financial fixed assets28€200€850▲
Current assets29/58€172k€240k▲
Amounts receivable within one year40/41€17k€18k▲
Trade receivables40€17k€18k▲
Other amounts receivable41€0-
Cash at bank and in hand54/58€155k€222k▲
Deferred charges and accrued income490/1€100€27▼
Equity and liabilities
Total equity and liabilities10/49€176k€242k▲
Equity10/15€130k€113k▼
Contributions10/11€10k€10k=
Profit (loss) carried forward14€120k€103k▼
Amounts payable17/49€46k€129k▲
Amounts payable within one year42/48€46k€129k▲
Trade debts44€1k€4k▲
Suppliers440/4€1k€4k▲
Taxes, remuneration and social security45€44k€52k▲
Taxes450/3€44k€52k▲
Other amounts payable47/48€1k€73k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€744€1k▲
Other operating charges640/8€3k€239▼
Gross operating margin9900€93k€89k▼
Operating profit (loss)9901€90k€87k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€2k€56▼
Recurring financial charges65€2k€56▼
Profit (loss) for the period before taxes9903€87k€87k▼
Income taxes67/77€19k€19k▼
Profit (loss) for the period9904€69k€69k▼
Profit (loss) for the period to be appropriated9905€69k€69k▼
Appropriation of the result
Profit (loss) to be appropriated9906€120k€188k▲
Profit (loss) brought forward from the previous period14P€52k€120k▲
Profit to be distributed694/7€833€85k▲
Return on contributions (dividend)694€833€85k▲
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
2026
23-07
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
Highest result since 2022net €69k ▲29%
Operating result €90k, net result €69k, both a record.
31-12
Financial
Equity above €100kEq €130k ▲110%
2 profitable years in a row build equity to €130k.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €53k
Net result €53k after one loss-making year.
07-03
NBB filing
Annual accounts filed
fiscal year 2022 · 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, Elsene · 1 establishment unit since 2022
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.
Louizalaan 2311050 ElseneGround area
9,201 m²
Building footprint
5,756 m²
Volume, LiDAR
130,454 m³
2 parcels, Brussels · tallest building 45.8 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
APPTIMAL
since 20222.339.085.516
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21807G0131/00T000 | Brussels | 5,672 m² | 1 · 3,878 m² | 45.8 m · 8 fl. |
| 21822R0226/00W011 | Brussels | 3,529 m² | 1 · 1,878 m² | 38.1 m · 7 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.
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Of 29,995 companies in sector 62200 we hold annual accounts for 18,391. 15,542 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-12-2022
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
62010Computer programming, consultancy and related activities
62900Other information technology and computer services
62100Computer programming
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.