APS CONSULT
ActiveAPS CONSULT has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €19k and a net result of €51k. Equity is shrinking by ~8.6% per year across the filed fiscal years. Its solvency ranks better than 14% of 121 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2026
Axes · tick = 2025
Profitability100=
Solvency17▲+2
Growth58=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.97 against 0.88 in 2025), and 89.7% 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 →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2026Solvency, return and age of the figures
Solvency
10.3%
Return on assets
28.4%
Age of the figures
2 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 121 sector peers (2026).
NBB · sector comparisonPosition among 121 sector peers
Solvency
better than 14%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2026 was due by 31-01-2027 and was filed on 08-09-2026, 145 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
145 d early
2025
145 d early
2024
150 d early
2023
120 d early
2022
83 d early
2021
61 d early
2020
40 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2027 and is due by 31-01-2028. Nothing is late today.
Companies Code · seven monthsPosition in the running window
12-09-2026 today30-06-2027 close31-01-2028 deadline
Financials · fiscal year 2026, micro schema
Equity
€19k▼ 0.7%
2025 · €19k
2019: €23k
2020: €82k
2021: €28k
2022: €29k
2023: €20k
2024: €19k
2025: €19k
2019 → 2026
Total assets
€180k▼ 8.4%
2025 · €196k
2019: €40k
2020: €99k
2021: €103k
2022: €100k
2023: €199k
2024: €176k
2025: €196k
2019 → 2026
Net result
€51k▼ 2.0%
2025 · €52k
2019: €16k
2020: €47k
2021: €38k
2022: €36k
2023: €68k
2024: €36k
2025: €52k
2019 → 2026
Working capital
€-4k▲ 74.3%
2025 · €-14k
2019: €19k
2020: €81k
2021: €16k
2022: €20k
2023: €-18k
2024: €-9k
2025: €-14k
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€29k-€20k▼ 28.2%€19k▼ 9.0%€19k▲ 0.5%€19k▼ 0.7%
Operating result€50k-€87k▲ 74.5%€50k▼ 42.8%€71k▲ 42.0%€69k▼ 2.5%
Net result€36k-€68k▲ 87.9%€36k▼ 47.4%€52k▲ 46.1%€51k▼ 2.0%
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 2026; 2026 is 3% below 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €180k
Fixed assets
€70k▼ 28.3%
Current assets
€110k▲ 11.3%
Equity and liabilities €180k
Equity
€19k▼ 0.7%
Debt
€161k▼ 9.2%
The debt ratio falls from 90.5% to 89.7%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€96k▲
2025 · €83k
Cash flow
€78k▲
2025 · €64k
Solvency
10.3%▲
2025 · 9.5%
Current ratio
0.97▲
2025 · 0.88
Quick ratio
0.97▲
2025 · 0.88
Debt / equity
8.66▼
2025 · 9.47
ROE
274.4%▼
2025 · 278.1%
ROA
28.4%▲
2025 · 26.6%
Interest coverage
39.61▲
2025 · 23.08
Debt
€161k▼
2025 · €177k
Debt ≤ 1 year
€113k▲
2025 · €113k
Debt > 1 year
€48k▼
2025 · €65k
Income taxes
€16k▲
2025 · €15k
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€196k€180k▼
Fixed assets21/28€97k€70k▼
Tangible fixed assets22/27€97k€70k▼
Furniture and vehicles24€96k€69k▼
Other tangible fixed assets26€1k€939▼
Financial fixed assets28€310-
Current assets29/58€99k€110k▲
Amounts receivable within one year40/41€16k€18k▲
Trade receivables40€16k€18k▲
Cash at bank and in hand54/58€83k€92k▲
Equity and liabilities
Total equity and liabilities10/49€196k€180k▼
Equity10/15€19k€19k▼
Contributions10/11€19k€19k=
Profit (loss) carried forward14€132€1▼
Amounts payable17/49€177k€161k▼
Amounts payable after more than one year17€65k€48k▼
Financial debts170/4€65k€48k▼
Amounts payable within one year42/48€113k€113k▲
Current portion of amounts payable after more than one year42€17k€17k▲
Trade debts44€3k€144▼
Suppliers440/4€3k€144▼
Taxes, remuneration and social security45€11k€16k▲
Taxes450/3€11k€16k▲
Other amounts payable47/48€81k€80k▼
Income statement
Code20252026
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€27k▲
Other operating charges640/8€2k€938▼
Gross operating margin9900€85k€97k▲
Operating profit (loss)9901€71k€69k▼
Financial income75/76B€509€492▼
Recurring financial income75€509€492▼
Financial charges65/66B€4k€2k▼
Recurring financial charges65€4k€2k▼
Profit (loss) for the period before taxes9903€68k€67k▼
Income taxes67/77€15k€16k▲
Profit (loss) for the period9904€52k€51k▼
Profit (loss) for the period to be appropriated9905€52k€51k▼
Appropriation of the result
Profit (loss) to be appropriated9906€52k€51k▼
Profit (loss) brought forward from the previous period14P€33€132▲
Profit to be distributed694/7€52k€51k▼
Return on contributions (dividend)694€52k€51k▼
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 2027, expected by
2026
08-09
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
2025
08-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
03-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
03-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Highest result since 2019net €68k ▲87.9%
Operating result €87k, net result €68k, both a record.
2022
09-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
01-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
22-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-06
Financial
Liquidity triplescurrent ratio 5.82
Current ratio from 2.09 to 5.82; short-term debt falls from €17k to €17k.
10-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
02-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 2 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, Waterloo · 1 establishment unit since 2016
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.
Avenue du Clairpré 221410 WaterlooGround area
698 m²
Building footprint
132 m²
Volume, LiDAR
643 m³
Parcel 25110A0404/00N000, Wallonia · tallest building 6.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
APS CONSULT
since 20162.256.229.601
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25110A0404/00N000 | Wallonia | 698 m² | 1 · 132 m² | 6.8 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.
Similar companies · same sector, comparable size
INTO OBJECTS
BE 0544.590.167
Leuven · Eq €19k
Opqode
BE 0554.702.715
Leuven · Eq €19k
DroidBender
BE 0556.808.902
Houthalen-Helchteren · Eq €19k
MINDBYTE
BE 0556.871.555
Sint-Katelijne-Waver · Eq €19k
Ackrosoft
BE 0566.930.356
Bonheiden · Eq €19k
Of 16,807 companies in sector 62100 we hold annual accounts for 8,747. 5,660 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-06-2016
Fiscal year end30-06
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.