B-Informed
ActiveSummary
B-Informed has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €63,261 and a net result of €27,414. Equity has been growing by about 71% per year since 2023. Its solvency ranks better than 82% of 21,148 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 22-06-2023 Normal situation
- Activity
- Computer programming NACE 62100
- Establishment unit
- 2.346.372.590 2920 Kalmthout, since 22-06-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 22-05-2025
Financial position
- Bankruptcy probabilitywithin 12 months
- < 0.1%
- Gross margin
- €39,469
- ▲ 14.3%
- Turnover
- ≈ €130,000
- estimated
- Profit
- €27,414
- ▲ 17.2%
- Equity
- €63,261
- ▲ 76.5%
- Total assets
- €74,240
- ▲ 40.3%
- 2025 accounts filed 27 days after the deadline
Score breakdownraises riskFounded in 2023lowers riskSector: Computer programming, consultancy and related activities (NACE 62)Liquidity: current ratio 6.36, cash €55,236Equity €63,261 (85.2% of total assets)Show the evidence
Checked score
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro). It does better than 85% of them on solvency, 88% on liquidity, 82% on profitability and 86% on growth.
The bankruptcy probability was computed on 01-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 3 accounts on average 101 days before the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
2025 annual accounts filed 27 days after the deadline Filed on 27 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00440267.
Annual accounts 2025 filed on 27-08-2026 at the NBB all 3 filings
2023 to 2025, 3 financial years
The operating result for 2025 is 13% higher than in 2024 and the highest since 2023. It is the second rise in a row.
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Computer programming, consultancy and related activities (NACE 62). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio and return on assets (ROA).
Investments
| Item | 2023 | 2024 | 2025 |
|---|---|---|---|
| Tangible fixed assets | €1,930 | - | €4,283 |
| Financial fixed assets | €350 | - | - |
| Depreciation and write-downs of the year | €322 | €643 | €1,214 |
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €322 | €643 | €1,214 | ▲ 88.7% |
| Other operating charges640/8 | - | €124 | €120 | ▼ 2.9% |
| Gross operating margin9900 | €11,341 | €34,524 | €39,469 | ▲ 14.3% |
| Operating profit (loss)9901 | €11,019 | €33,757 | €38,135 | ▲ 13.0% |
| Financial income75/76B | - | €0 | - | - |
| Recurring financial income75 | - | €0 | - | - |
| Financial charges65/66B | €1,186 | €3,044 | €2,457 | ▼ 19.3% |
| Recurring financial charges65 | €1,186 | €3,044 | €2,457 | ▼ 19.3% |
| Profit (loss) for the period before taxes9903 | €9,833 | €30,713 | €35,677 | ▲ 16.2% |
| Income taxes67/77 | €2,369 | €7,330 | €8,263 | ▲ 12.7% |
| Profit (loss) for the period9904 | €7,464 | €23,383 | €27,414 | ▲ 17.2% |
| Profit (loss) for the period to be appropriated9905 | €7,464 | €23,383 | €27,414 | ▲ 17.2% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €32,206 | €52,903 | €74,240 | ▲ 40.3% |
| Fixed assets21/28 | €1,958 | €1,315 | €4,383 | ▲ 233% |
| Tangible fixed assets22/27 | €1,608 | €965 | €4,033 | ▲ 318% |
| Plant, machinery and equipment23 | €1,608 | €965 | €4,033 | ▲ 318% |
| Financial fixed assets28 | €350 | €350 | €350 | = |
| Current assets29/58 | €30,247 | €51,587 | €69,857 | ▲ 35.4% |
| Amounts receivable within one year40/41 | €11,646 | €12,651 | €13,590 | ▲ 7.4% |
| Trade receivables40 | €11,646 | €11,931 | €12,632 | ▲ 5.9% |
| Other amounts receivable41 | - | €720 | €957 | ▲ 32.9% |
| Cash at bank and in hand54/58 | €18,131 | €37,597 | €55,236 | ▲ 46.9% |
| Deferred charges and accrued income490/1 | €470 | €1,340 | €1,032 | ▼ 23.0% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €32,206 | €52,903 | €74,240 | ▲ 40.3% |
| Equity10/15 | €12,464 | €35,847 | €63,261 | ▲ 76.5% |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | = |
| Reserves13 | €7,464 | €30,847 | €58,261 | ▲ 88.9% |
| Distributable reserves133 | €7,464 | €30,847 | €58,261 | ▲ 88.9% |
| Amounts payable17/49 | €19,742 | €17,055 | €10,979 | ▼ 35.6% |
| Amounts payable within one year42/48 | €19,742 | €17,055 | €10,979 | ▼ 35.6% |
| Trade debts44 | €3,924 | €1,101 | €2,336 | ▲ 112% |
| Suppliers440/4 | €3,924 | €1,101 | €2,336 | ▲ 112% |
| Taxes, remuneration and social security45 | €6,533 | €6,086 | €3,325 | ▼ 45.4% |
| Taxes450/3 | €6,533 | €6,086 | €3,325 | ▼ 45.4% |
| Other amounts payable47/48 | €9,285 | €9,868 | €5,318 | ▼ 46.1% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €7,464 | €23,383 | €27,414 | ▲ 17.2% |
| + Depreciation and write-downs630 | €322 | €643 | €1,214 | ▲ 88.7% |
| Operating cash flow (approximation) | €7,786 | €24,026 | €28,629 | ▲ 19.2% |
| Investment in fixed assets (approximation) | - | €0 | -€4,283 | - |
| Change in cash | - | €19,466 | €17,639 | ▼ 9.4% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 39,278 companies had the same profile as B-Informed has now. Two years later, 1.8% had gone bankrupt and 95.9% were still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
The bankruptcy probability of B-Informed itself is lower: < 0.1% within 12 months. It rests on far more data about B-Informed than the profile alone.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for B-Informed. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Board & ownership
Directors
Owners and capital
Shareholders
- VAN HOOYDONCK Bram 100 shares (100%)
Capital transactions
- 26-06-2023 Incorporation · €5,000 · 100 shares
Articles of association
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “1, één of meerdere bestuurders”
Articles of association, deed of 26-06-2023 (in Dutch)
Network & group
B-Informed shares no director with another company.
Connections & network
1 current directorThe network starts from the directors of B-Informed. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
26-06
Gazette deed
IncorporationStarting capital €5,000 · Appointment: VAN HOOYDONCK Bram (director) · Founder6 points ▸
- Incorporation, 22-06-2023
- Founder, VAN HOOYDONCK Bram
- Founding capital, €5,000
- Bank account, “attest afgeleverd door instelling overhandigd aan notaris, bijzondere rekening ten name van de vennootschap in oprichting” (deed in Dutch)
- Director appointment, VAN HOOYDONCK Bram (director (not named in the articles))
- Pre-incorporation commitments, “takeover, alle verrichtingen gesteld in naam en voor rekening van vennootschap” (deed in Dutch)
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
10 activities
- Het commercialiseren en ontwikkelen van computerprogramma’s,systeemsoftware,software voor de automatisering van bedrijfsmatige toepassingen in bedrijven en instellingen,computers,randapparatuur,netwerken en aanverwante producten.
- Het adviseren,realiseren en installeren van computerprogramma’s en informatiesystemen voor bedrijfsmatige toepassingen.
- Het verlenen van opleiding,service en ondersteuning met betrekking tot het bovenstaande.
- Coaching
- Grafische vormgeving.
- Tuinbouwwerken.
- Managementactiviteiten van holdings.
- Het tussenkomen in het dagelijks bestuur,het vertegenwoordigen van bedrijven op grond van het bezit van of de controle over het maatschappelijk kapitaal en andere managementactiviteiten.
- Het verlenen van hulp en adviezen aan het bedrijfsleven en de overheid op het gebied van planning,organisatie,efficiëntie en toezicht,het verschaffen van informatie aan de bedrijfsleiding.
- Overige zakelijke dienstverlening.
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 11662E0009/00E003 | Flanders | 229 m² | 1 · 300 m² | 6.2 m · 1 |