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Axipat

Active
Private limited company (pre-2019)founded 201412 yrs activeAlbertdreef 31, 2950 Kapellen, BelgiumKBO/BCE: BE 0554.769.031

Axipat has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €59k and a net result of €-26k. Equity is growing by ~7.1% per year across the filed fiscal years. Its solvency ranks better than 79% of 7740 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Checked score

Score 2025
62 / 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 3.82 against 6.19 in 2024; short-term debt: 19.5% and cash: 15.2% of total assets), and 19.5% 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 riskneutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
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 2025
Solvency, return and age of the figures
Solvency
80.5%
Return on assets
-34.9%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
elevated failure risk from 2 to 8 years 12 years 0 20 y
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
1819202122232425
2018 to 2025 · latest year €-26k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 filings
Deviation from the deadline
2025
31 d late
2024
1 d early
2023
31 d late
2022
31 d late
2021
31 d late
2020
90 d late
2019
137 d late
← 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 months
Position in the running window
22-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity
€59k▼ 30.3%
2024 · €85k
2018: €56k 2019: €27k 2020: €86k 2021: €144k 2022: €154k 2023: €108k 2024: €85k
2018 → 2025
Total assets
€74k▼ 26.2%
2024 · €100k
2018: €66k 2019: €44k 2020: €109k 2021: €193k 2022: €182k 2023: €136k 2024: €100k
2018 → 2025
Net result
€-26k▼ 10.3%
2024 · €-23k
2018: €22k 2019: €1k 2020: €53k 2021: €58k 2022: €10k 2023: €114k 2024: €-23k
2018 → 2025
Working capital
€40k▼ 46.3%
2024 · €75k
2018: €51k 2019: €22k 2020: €81k 2021: €140k 2022: €150k 2023: €104k 2024: €75k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20212022202320242025Trend
Equity€144k-€154k▲ 6.9%€108k▼ 29.7%€85k▼ 21.5%€59k▼ 30.3%
Operating result€76k-€16k▼ 79.1%€151k▲ 850%€-24k€-26k▼ 9.1%
Net result€58k-€10k▼ 82.7%€114k▲ 1,047%€-23k€-26k▼ 10.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€-50k€0€50k€100k€150kOperating result 2021: €76k€76kNet result 2021: €58k€58kOperating result 2022: €16k€16kNet result 2022: €10k€10kOperating result 2023: €151k€151kNet result 2023: €114k€114kOperating result 2024: €-24k€-24kNet result 2024: €-23k€-23kOperating result 2025: €-26k€-26kNet result 2025: €-26k€-26k20212022202320242025
The operating result stays negative: a loss of €26k in 2025 against €24k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €74k
Fixed assets €19k▲ 89.9%
Current assets €55k▼ 39.0%
Equity and liabilities €74k
Equity €59k▼ 30.3%
Debt €14k▼ 3.3%
The debt ratio rises from 14.9% to 19.5%. Equity and debt are lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€-20k
2024 · €-21k
Cash flow
€-20k
2024 · €-20k
Solvency
80.5%
2024 · 85.1%
Current ratio
3.82
2024 · 6.19
Quick ratio
3.82
2024 · 6.19
Debt / equity
0.24
2024 · 0.18
ROE
-43.4%
2024 · -27.4%
ROA
-34.9%
2024 · -23.4%
Interest coverage
-75.28
2024 · -40.58
Debt
€14k
2024 · €15k
Debt ≤ 1 year
€14k
2024 · €15k
Income taxes
€582
2024 · €522
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€100k€74k
Fixed assets21/28€10k€19k
Tangible fixed assets22/27€10k€19k
Plant, machinery and equipment23€239-
Furniture and vehicles24€9k€18k
Other tangible fixed assets26€825€825=
Current assets29/58€90k€55k
Amounts receivable after more than one year29€34k€25k
Other amounts receivable291€34k€25k
Amounts receivable within one year40/41€22k€17k
Trade receivables40€3k-
Other amounts receivable41€19k€17k
Cash at bank and in hand54/58€33k€11k
Deferred charges and accrued income490/1€2k€2k
Equity and liabilities
Total equity and liabilities10/49€100k€74k
Equity10/15€85k€59k
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€64k€39k
Amounts payable17/49€15k€14k
Amounts payable within one year42/48€15k€14k
Trade debts44€197€758
Suppliers440/4€197€758
Taxes, remuneration and social security45€5k€3k
Taxes450/3€2k€2k
Remuneration and social security454/9€3k€2k
Other amounts payable47/48€9k€10k
Accrued charges and deferred income492/3€356€11
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€6k
Other operating charges640/8€634€603
Gross operating margin9900€-20k€-19k
Operating profit (loss)9901€-24k€-26k
Financial income75/76B€1k€954
Recurring financial income75€1k€954
Financial charges65/66B€509€261
Recurring financial charges65€509€261
Profit (loss) for the period before taxes9903€-23k€-25k
Income taxes67/77€522€582
Profit (loss) for the period9904€-23k€-26k
Profit (loss) for the period to be appropriated9905€-23k€-26k
Appropriation of the result
Profit (loss) to be appropriated9906€64k€39k
Profit (loss) brought forward from the previous period14P€88k€64k

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
31-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial Weakest financial yearnet €-26k
Net result drops to €-26k, the lowest in the series.
30-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
31-08
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-12
Financial Highest result since 2018net €114k ▲1047%
Operating result €151k, net result €114k, both a record.
31-08
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial Equity above €150kEq €154k ▲6.9%
5 profitable years in a row build equity to €154k.
31-08
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial Equity above €100kEq €144k ▲66.9%
4 profitable years in a row build equity to €144k.
29-10
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 90 days late
2020
15-12
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 137 days late
2019
31-08
NBB filing Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
01-10
NBB filing Annual accounts filed
fiscal year 2017 · micro schema · 62 days late
2017
27-09
NBB filing Annual accounts filed
fiscal year 2016 · micro schema · 58 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, Kapellen · 1 establishment unit since 2014
establishment The establishment unit on the map
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.

Albertdreef 312950 Kapellen
Ground area
364 m²
Building footprint
159 m²
Volume, LiDAR
947 m³
Parcel 11902F0025/00W003, Flanders · tallest building 11.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Axipat
Albertdreef 31, 2950 KapellenActivities auxiliary to financial services and insurance activities
since 20142.233.196.158
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11902F0025/00W003 Flanders 364 m² 1 · 159 m² 11.2 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.

Public money · subsidies and aid

Flemish government

2024 · 1 entry · 149 EUR awarded · 149 EUR paid
Year Entries awardedpaid
2024 1 149 EUR149 EUR
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
1 entry · 149 EUR · 149 EUR paid · Fonds voor Innoveren en Ondernemen

Similar companies · same sector, comparable size

Of 24,503 companies in sector 82990 we hold annual accounts for 9,402. 7,033 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification
Legal formPrivate limited company (pre-2019)
Founded26-06-2014
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
70100Activities of head offices
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers

Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.