beCAD
ActiveSummary
beCAD has been active since 2009 and the Belgian Official Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €8,136 and a net result of €27,611. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 13% of 406 sector peers (NACE 62, financial year 2026). The computed 12-month bankruptcy probability is 0.3% (very low).
Overview
- Equity
- €8,136
- Profit
- €27,611
Why 87raises risk1 change of registered office in 24 monthslowers riskSector: Computer programming, consultancy and related activities (NACE 62)Liquidity: current ratio 1.02, cash €27,424Size: total assets €96,493Show the evidence
Checked score
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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): better than 15% on solvency, 23% on liquidity, 82% on profitability and 93% on growth.
The bankruptcy probability was computed on 25-10-2026 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
This company filed its last 7 accounts on average 8 days before the deadline; the sector median (NACE 62) for financial year 2024 is 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2026 · micro…
- Registered officeRegistered-office move
- Back to profitnet €27,611
Financials · financial year 2026, micro format
2022 to 2026, 5 financial years 2019 to 2026, 8 financial years
The operating result returns to profit in 2026: €32,571 after a loss of €25,499 in 2025.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Average staff in full-time equivalents (FTE).
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 62, Computer programming, consultancy and related activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Peer companies
Historical observationOf the 1,325 companies that looked in July 2024 the way this one looks now, 1.4% went bankrupt within 24 months and 95.1% are still going.
- Micro
- 10 to 20 years old
- solvency under 10%
- a profit of 5% of the balance sheet or more
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,475 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 1,325 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €20,450 | €36,064 | €35,451 | €35,694 | €36,780 | ▲ 3.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,545 | €1,458 | €738 | €9,725 | €12,371 | €14,629 | €12,457 | €19,852 | ▲ 59.4% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | €160 | - | -€160 | - | - | - |
| Other operating charges640/8 | - | - | - | €4,583 | €1,554 | €1,699 | €4,360 | €1,533 | ▼ 64.8% |
| Gross operating margin9900 | €82,674 | €36,571 | €72,992 | €68,958 | €72,468 | €33,170 | €27,012 | €90,736 | ▲ 236% |
| Operating profit (loss)9901 | €51,863 | €38,162 | €68,963 | €34,041 | €22,479 | -€18,448 | -€25,499 | €32,571 | - |
| Financial income75/76B | - | - | - | - | €1,503 | €998 | €633 | €324 | ▼ 48.8% |
| Recurring financial income75 | - | €0 | €445 | - | €1,503 | €998 | €633 | €324 | ▼ 48.8% |
| Financial charges65/66B | - | - | - | €4,279 | €2,813 | €3,424 | €5,544 | €4,645 | ▼ 16.2% |
| Recurring financial charges65 | €4,758 | €6,328 | €1,441 | €4,279 | €2,813 | €3,424 | €5,544 | €4,645 | ▼ 16.2% |
| Profit (loss) for the period before taxes9903 | €47,105 | €31,834 | €67,967 | €29,761 | €21,170 | -€20,874 | -€30,410 | €28,250 | - |
| Income taxes67/77 | €13 | €3,614 | €233 | €7,772 | €5,567 | €550 | €664 | €639 | ▼ 3.8% |
| Profit (loss) for the period9904 | €47,092 | €28,220 | €67,734 | €21,989 | €15,602 | -€21,424 | -€31,074 | €27,611 | - |
| Profit (loss) for the period to be appropriated9905 | €47,092 | €28,220 | €67,734 | €21,989 | €15,602 | -€21,424 | -€31,074 | €27,611 | - |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €38,302 | €65,046 | €126,529 | €83,634 | €78,989 | €53,486 | €123,447 | €96,493 | ▼ 21.8% |
| Fixed assets21/28 | €2,196 | €738 | €0 | €21,234 | €21,996 | €7,367 | €47,098 | €27,245 | ▼ 42.2% |
| Intangible fixed assets21 | - | - | €0 | €0 | €0 | €0 | €0 | €0 | - |
| Tangible fixed assets22/27 | €2,196 | €738 | €0 | €21,234 | €21,796 | €7,167 | €46,898 | €27,045 | ▼ 42.3% |
| Plant, machinery and equipment23 | - | - | - | €0 | €0 | €0 | €0 | €0 | - |
| Furniture and vehicles24 | - | - | - | €21,234 | €21,796 | €7,167 | €46,898 | €27,045 | ▼ 42.3% |
| Financial fixed assets28 | - | - | - | - | €200 | €200 | €200 | €200 | = |
| Current assets29/58 | €36,106 | €64,307 | €126,529 | €62,400 | €56,993 | €46,119 | €76,349 | €69,247 | ▼ 9.3% |
| Stocks and contracts in progress3 | €1,211 | - | - | - | - | - | - | - | - |
| Amounts receivable within one year40/41 | €24,181 | €63,858 | €124,774 | €58,565 | €51,801 | €41,724 | €73,747 | €38,037 | ▼ 48.4% |
| Trade receivables40 | - | - | - | €51,980 | €48,941 | €39,473 | €69,341 | €30,345 | ▼ 56.2% |
| Other amounts receivable41 | - | - | - | €6,585 | €2,861 | €2,251 | €4,406 | €7,691 | ▲ 74.6% |
| Cash at bank and in hand54/58 | €10,714 | €26 | €1 | €136 | €1,386 | €2,205 | €17 | €27,424 | ▲ 1,661× |
| Deferred charges and accrued income490/1 | - | - | - | €3,699 | €3,805 | €2,190 | €2,586 | €3,787 | ▲ 46.5% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €38,302 | €65,046 | €126,529 | €83,634 | €78,989 | €53,486 | €123,447 | €96,493 | ▼ 21.8% |
| Equity10/15 | -€100,523 | -€72,303 | -€4,569 | €17,420 | €33,022 | €11,599 | -€19,475 | €8,136 | - |
| Contributions10/11 | €18,600 | €18,600 | - | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | €0 | - | - |
| Non-distributable reserves130/1 | - | - | - | €1,860 | €1,860 | €0 | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €1,860 | €1,860 | €0 | - | - | - |
| Distributable reserves133 | - | - | - | - | - | €1,860 | €0 | - | - |
| Profit (loss) carried forward14 | -€120,983 | -€92,763 | -€25,029 | -€3,040 | €12,562 | -€8,861 | -€38,075 | -€10,464 | ▲ 72.5% |
| Amounts payable17/49 | €138,825 | €137,349 | €131,098 | €66,214 | €45,966 | €41,887 | €142,921 | €88,357 | ▼ 38.2% |
| Amounts payable after more than one year17 | - | - | - | €11,043 | €4,999 | €1,052 | €32,324 | €20,260 | ▼ 37.3% |
| Financial debts170/4 | - | - | - | €11,043 | €4,999 | €1,052 | €32,324 | €20,260 | ▼ 37.3% |
| Amounts payable within one year42/48 | €138,825 | €137,349 | €131,076 | €54,885 | €40,968 | €40,835 | €103,098 | €68,097 | ▼ 33.9% |
| Current portion of amounts payable after more than one year42 | - | - | - | €9,982 | €13,174 | €4,211 | €12,843 | €12,064 | ▼ 6.1% |
| Financial debts43 | - | - | - | €3,092 | €0 | - | €21,120 | €5,000 | ▼ 76.3% |
| Credit institutions430/8 | - | - | - | €3,092 | €0 | - | €21,120 | €5,000 | ▼ 76.3% |
| Trade debts44 | €10,373 | €47,058 | €80,551 | €24,483 | €6,521 | €18,530 | €52,763 | €29,472 | ▼ 44.1% |
| Suppliers440/4 | - | - | - | €24,483 | €6,521 | €18,530 | €52,763 | €29,472 | ▼ 44.1% |
| Advances received on contracts in progress46 | - | - | - | - | - | - | €2,500 | €0 | ▼ 100% |
| Taxes, remuneration and social security45 | - | - | - | €12,560 | €15,894 | €16,731 | €13,871 | €21,561 | ▲ 55.4% |
| Taxes450/3 | - | - | - | €10,866 | €9,267 | €9,632 | €6,590 | €14,079 | ▲ 114% |
| Remuneration and social security454/9 | - | - | - | €1,695 | €6,626 | €7,099 | €7,281 | €7,482 | ▲ 2.8% |
| Other amounts payable47/48 | - | - | - | €4,768 | €5,379 | €1,363 | €0 | €0 | - |
| Accrued charges and deferred income492/3 | - | - | - | €286 | €0 | - | €7,500 | €0 | ▼ 100% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €47,092 | €28,220 | €67,734 | €21,989 | €15,602 | -€21,424 | -€31,074 | €27,611 | - |
| + Depreciation and write-downs630 | €1,545 | €1,458 | €738 | €9,725 | €12,371 | €14,629 | €12,457 | €19,852 | ▲ 59.4% |
| Operating cash flow (approximation) | €48,638 | €29,677 | €68,473 | €31,714 | €27,974 | -€6,794 | -€18,617 | €47,463 | - |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€30,958 | -€13,134 | €0 | -€52,188 | €0 | - |
| Change in cash | - | -€10,688 | -€25 | €136 | €1,250 | €818 | -€2,188 | €27,407 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 17 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-03-2026 | micro format | 09-09-2026 | 2026-00510163 |
| 31-03-2025 | micro format | 09-10-2025 | 2025-00536954 |
| 31-03-2024 | micro format | 30-10-2024 | 2024-00519568 |
| 31-03-2023 | micro format | 27-10-2023 | 2023-00494723 |
| 31-03-2022 | micro format | 31-10-2022 | 2022-20479431 |
| 31-03-2021 | micro format | 29-10-2021 | 2021-75200496 |
| 31-03-2020 | micro format | 26-11-2020 | 2020-72000598 |
| 31-03-2019 | micro format | 31-10-2019 | 2019-72800567 |
| 31-03-2018 | micro format | 29-11-2018 | 2018-73000376 |
| 31-03-2017 | micro format | 06-11-2017 | 2017-69100303 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Owners and capital
Capital and shareholders
- HALET Philippe 600 shares
- NYSTEN Anne-Sophie 400 shares
The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.
- 20-12-2023 Converted to unavailable equity
Group and network
Connections & network
No directors read yet: 2 of 5 Gazette acts processed.
History
Acts, filings and financial milestones
27-07
Gazette deed
Registered officeRegistered-office move2 facts ▸
- General meeting, 04-06-2026
- Registered-office move, 4000 Liège, Esplanade Simone Veil 1
20-12
Gazette deed
Purpose · Amendment of the articles · Legal-form change · Resignations & appointmentsCapital conversion · Reserve release · Approval14 facts ▸
- General meeting, 15-12-2023
- Amendment of the articles (2 times)
- Capital conversion, “compte de capitaux propres statutairement indisponible” (deed in French)
- Reserve release, “formes et majorités de la modification des statuts, supprimer” (deed in French)
- Approval, “justifiant la modification proposée à l’objet, rapport spécial établi par l’organe d’administration conformément à l’article 5:101 du Code des Sociétés et des A…” (deed in French)
- Purpose change
- Amendment of the articles, “Article 5” (deed in French)
- Shareholding, 600
- Shareholding, 400
- Share issue, 1000, “bénéfices” (deed in French)
- Registered office clause, “4130 Esneux,Avenue de Hony,9” (deed in French)
- Amendment of the articles, 2
- +2 further facts in this act
Show earlier events
About the unread acts
Of the 5 Belgian Official Gazette deeds we know for this company, 2 have been read. The other 3 have not been read yet: what they contain is neither established nor disproved here.
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 25 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 62814C0006/00G002 | Wallonia | 6,004 m² | - | - |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “De fournir des prestations de Dessin Assisté par Ordinateur (DAO) et de Conception Assistée par Ordinateur (CAO); De fournir des services…” (deed in French)
17 activities (deed in French)
- De fournir des prestations de Dessin Assisté par Ordinateur (DAO) et de Conception Assistée par Ordinateur (CAO)
- De fournir des services spécifiques d'aide aux bureaux d'études, d'architecture, cabinet de géomètres,;
- De réaliser des développements d'applications logicielles à façon ;
- De réaliser l'implémentation de solution logicielles ou matérielles ;
- De mettre en œuvre des systèmes de base de données ;
- De vendre ou de revendre tout type de solutions informatiques (matérielles ou logicielles) pour son compte propre ou pour le compte de tiers ;
- De prester des formations à l'utilisation des solutions matérielles ou logicielles ;
- De fournir une assistance technique aux bureaux d'études, d'architectures, cabinet de géomètres,... ;
- De réaliser des opérations immobilières (achats, ventes, locations) dont notamment :
- L’achat, l'échange, la vente, la prise en location et en sous-location, ainsi que la cession en location et en sous-location, le tout avec ou sans option d'achat, l'exploitation et l'entretien de maisons, appartements, bureaux, magasins, fonds de commerce, terrains, terres et domaines, et de manière générale, de tous biens immobiliers, ainsi que toutes opérations de financement. Elle pourra ériger toutes constructions pour son compte ou pour compte de tiers, en tant que maître de l'ouvrage ou entrepreneur général, et effectuer, éventuellement aux biens immobiliers, des transformations et mises en valeur ainsi que l'étude et l'aménagement de lotissements y compris la construction de routes et égouts; souscrire des engagements en tant que conseiller en construction (études de génie civil et des divers équipements techniques des immeubles); acheter tous matériaux, signer tous contrats d'entreprises qui seraient nécessaires; réaliser toutes opérations de change, commission et courtage, ainsi que la gérance d'immeubles. Elle peut acheter, exploiter et construire tant pour elle-même que pour des tiers, par location ou autrement, tous parkings, garages, station-service et d'entretien.
- La conception, l'invention, la fabrication, la construction, l'importation, l'exportation l'achat et la vente, la distribution, l'entretien, l'exploitation tant en nom propre qu'en qualité d'agent, de commissionnaire ou de courtier:
- De tout bien immobilier accessoire aux biens immobiliers visés au numéro un;
- De parcomètres, ainsi que de tous autres appareils destinés à contrôler, empêcher ou limiter le stationnement de véhicules, tant sur la voie publique que dans les propriétés privées;
- De tous véhicules et machines à moteur, de tous accessoires de pièces de rechange, d'essence, d'huile, de pneumatiques et de tous articles généralement quelconques de garage.
- L'achat et la vente d'œuvres d'arts et d'objets de collection.
- La prestation de tous services dans le cadre de son objet, y compris la gestion de patrimoine.
- La société peut réaliser son objet en tous lieux, en Belgique ou à l'étranger, de toutes manières et suivants les modalités qui lui paraîtront les mieux appropriées.
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- BeCAD
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Région wallonne, par simple décision de l’organe d’administration,sièges administratifs,agences,ateliers,dépôts et succursales,tant en…” (deed in French)
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- “Article 11. Pouvoirs de l’organe d’administration S’il n’y a qu’un seul administrateur, la totalité des pouvoirs d’administration lui est…”
- Board ruleHow the board is made up, meets and takes decisions.
- “Avec ou sans limitation de durée, organe d'administration” (deed in French)“Administrateur, portée aux frais généraux” (deed in French)
Capital, shares and profit
- Kind of sharesWhich classes of shares exist and what rights each class carries.
- One provision in the deed
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- One provision in the deed
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- First Monday of September at 09:00
Oversight and winding up
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Prévues pour modifications aux statuts, en tout temps” (deed in French)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Désigner un ou plusieurs liquidateurs et déterminer pouvoirs et émoluments, dissolution pour quelque cause et à quelque moment” (deed in French)