ASSEC-IT
ActiveASSEC-IT has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €52k and a net result of €2k. Equity is growing by ~5.2% per year across the filed fiscal years. Its solvency ranks better than 88% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▼-2
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 9.94 against 10.59 in 2024; short-term debt: 9.9% and cash: 69.9% of total assets), and 9.9% 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
90.1%
Return on assets
3.9%
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 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
22 d early
2023
65 d early
2022
60 d early
2021
62 d early
2020
72 d early
2019
64 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€52k▲ 4.6%
2024 · €50k
2018: €38k
2019: €38k
2020: €36k
2021: €43k
2022: €42k
2023: €46k
2024: €50k
2018 → 2025
Total assets
€58k▲ 5.4%
2024 · €55k
2018: €53k
2019: €55k
2020: €56k
2021: €55k
2022: €59k
2023: €53k
2024: €55k
2018 → 2025
Net result
€2k▼ 37.5%
2024 · €4k
2018: €10k
2019: €188
2020: €-1k
2021: €7k
2022: €-590
2023: €4k
2024: €4k
2018 → 2025
Working capital
€51k▲ 6.0%
2024 · €48k
2018: €38k
2019: €38k
2020: €36k
2021: €43k
2022: €42k
2023: €46k
2024: €48k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€43k-€42k▼ 1.4%€46k▲ 8.3%€50k▲ 7.9%€52k▲ 4.6%
Operating result€9k-€127▼ 98.6%€5k▲ 4,230%€6k▲ 5.7%€3k▼ 42.7%
Net result€7k-€-590€4k€4k▲ 3.4%€2k▼ 37.5%
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 43% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €58k
Fixed assets
€1k▼ 32.9%
Current assets
€56k▲ 6.7%
Equity and liabilities €58k
Equity
€52k▲ 4.6%
Debt
€6k▲ 13.7%
The debt ratio rises from 9.1% to 9.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€4k▼
2024 · €6k
Cash flow
€3k▼
2024 · €4k
Solvency
90.1%▼
2024 · 90.9%
Current ratio
9.94▼
2024 · 10.59
Quick ratio
9.94▼
2024 · 10.28
Debt / equity
0.11▲
2024 · 0.10
ROE
4.4%▼
2024 · 7.3%
ROA
3.9%▼
2024 · 6.7%
Interest coverage
7.99▲
2024 · 5.92
Debt
€6k▲
2024 · €5k
Debt ≤ 1 year
€6k▲
2024 · €5k
Income taxes
€567▼
2024 · €1k
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€55k€58k▲
Fixed assets21/28€2k€1k▼
Tangible fixed assets22/27€2k€1k▼
Furniture and vehicles24€2k€1k▼
Financial fixed assets28€57€57=
Current assets29/58€53k€56k▲
Stocks and contracts in progress3€2k-
Stocks30/36€2k-
Amounts receivable within one year40/41€26k€16k▼
Trade receivables40€19k€11k▼
Other amounts receivable41€6k€5k▼
Cash at bank and in hand54/58€26k€40k▲
Equity and liabilities
Total equity and liabilities10/49€55k€58k▲
Equity10/15€50k€52k▲
Contributions10/11€8k€8k=
Reserves13€7k€7k=
Distributable reserves133€7k€7k=
Profit (loss) carried forward14€35k€37k▲
Amounts payable17/49€5k€6k▲
Amounts payable within one year42/48€5k€6k▲
Current portion of amounts payable after more than one year42€514€512▼
Trade debts44€4k€4k▼
Suppliers440/4€4k€4k▼
Taxes, remuneration and social security45€310€2k▲
Taxes450/3€310€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33€578▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€3k
Other operating charges640/8€387€400▲
Gross operating margin9900€6k€7k▲
Operating profit (loss)9901€6k€3k▼
Financial income75/76B€127€0▼
Recurring financial income75€127€0▼
Financial charges65/66B€984€488▼
Recurring financial charges65€984€488▼
Profit (loss) for the period before taxes9903€5k€3k▼
Income taxes67/77€1k€567▼
Profit (loss) for the period9904€4k€2k▼
Profit (loss) for the period to be appropriated9905€4k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€38k€37k▼
Profit (loss) brought forward from the previous period14P€34k€35k▲
Transfer to equity691/2€4k-
To other reserves6921€4k-
The notes to these accounts (5 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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 7.33
Current ratio from 3.57 to 7.33; short-term debt falls from €17k to €7k.
01-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
20-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-1k ▼844%
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
28-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
14-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
14-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
18-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Walcourt · 1 establishment unit since 2002
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.
Route de Philippeville(Tar) 575651 WalcourtGround area
6,063 m²
Building footprint
685 m²
Volume, LiDAR
968 m³
2 parcels, Wallonia · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Tienne du Fire(HSH) 12, 6120 Ham-sur-Heure-Nalinnes
since 20022.115.216.345
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 93076D0036/00F000 | Wallonia | 5,204 m² | 1 · 534 m² | - |
| 56034C0516/00Y000 | Wallonia | 858 m² | 1 · 151 m² | 8.3 m · 2 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 82,570 companies in sector 70200 we hold annual accounts for 52,574. 38,262 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-12-2002
Fiscal year end31-12
Abbreviation FR
ASSEC
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
46190Agents in non-specialised wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 23 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.