BELIGUM
ActiveBELIGUM has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €116k and a net result of €13k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 20% of 17007 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
67
/ 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
Profitability61=
Solvency43▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity short (current ratio 0.58 against 0.41 in 2024; short-term debt: 11.5% and cash: 1.7% of total assets), and 82% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 · 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
18%
Return on assets
2%
Age of the figures
12 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 17007 sector peers (2025).
NBB · sector comparisonPosition among 17007 sector peers
Solvency
better than 20%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €116k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 23-03-2026, 38 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
38 d early
2024
2 d early
2023
6 d early
2022
3 d early
2021
30 d early
2020
30 d early
2019
31 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
20-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€116k▲ 12.7%
2024 · €103k
2018: €92k
2019: €117k
2020: €135k
2021: €115k
2022: €122k
2023: €102k
2024: €103k
2018 → 2025
Total assets
€643k▼ 2.9%
2024 · €662k
2018: €109k
2019: €131k
2020: €139k
2021: €415k
2022: €414k
2023: €695k
2024: €662k
2018 → 2025
Net result
€13k▲ 3,399%
2024 · €374
2018: €31k
2019: €25k
2020: €18k
2021: €-20k
2022: €24k
2023: €-20k
2024: €374
2018 → 2025
Working capital
€-31k▲ 36.1%
2024 · €-49k
2018: €93k
2019: €117k
2020: €135k
2021: €62k
2022: €72k
2023: €-74k
2024: €-49k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€115k-€122k▲ 5.8%€102k▼ 16.0%€103k▲ 0.4%€116k▲ 12.7%
Operating result€-19k-€30k€-11k€12k€26k▲ 107%
Net result€-20k-€24k€-20k€374€13k▲ 3,399%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 107% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €643k
Fixed assets
€600k▼ 4.4%
Current assets
€43k▲ 24.3%
Equity and liabilities €643k
Equity
€116k▲ 12.7%
Debt
€527k▼ 5.8%
The debt ratio falls from 84.5% to 82.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€53k▼
2024 · €60k
Cash flow
€41k▼
2024 · €48k
Solvency
18.0%▲
2024 · 15.5%
Current ratio
0.58▲
2024 · 0.41
Quick ratio
0.58▲
2024 · 0.41
Debt / equity
4.54▼
2024 · 5.44
ROE
11.3%▲
2024 · 0.4%
ROA
2.0%▲
2024 · 0.1%
Interest coverage
4.71▼
2024 · 5.07
Debt
€527k▼
2024 · €559k
Debt ≤ 1 year
€74k▼
2024 · €83k
Debt > 1 year
€448k▼
2024 · €472k
Income taxes
€1k▲
2024 · €150
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€662k€643k▼
Fixed assets21/28€628k€600k▼
Tangible fixed assets22/27€628k€600k▼
Land and buildings22€627k€600k▼
Plant, machinery and equipment23€636€0▼
Financial fixed assets28€25€25=
Current assets29/58€34k€43k▲
Amounts receivable within one year40/41€22k€30k▲
Trade receivables40€22k€27k▲
Other amounts receivable41€48€3k▲
Cash at bank and in hand54/58€10k€11k▲
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€662k€643k▼
Equity10/15€103k€116k▲
Contributions10/11€6k€6k=
Reserves13€114k€114k=
Distributable reserves133€114k€114k=
Profit (loss) carried forward14€-18k€-5k▲
Amounts payable17/49€559k€527k▼
Amounts payable after more than one year17€472k€448k▼
Financial debts170/4€467k€443k▼
Other amounts payable178/9€5k€5k▲
Amounts payable within one year42/48€83k€74k▼
Current portion of amounts payable after more than one year42€23k€24k▲
Financial debts43€86€2k▲
Credit institutions430/8€86€2k▲
Trade debts44€8k€33▼
Suppliers440/4€8k€33▼
Taxes, remuneration and social security45€4k€1k▼
Taxes450/3€3k€150▼
Remuneration and social security454/9€1k€1k=
Other amounts payable47/48€48k€48k▼
Accrued charges and deferred income492/3€4k€5k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€48k€28k▼
Other operating charges640/8€2k€6k▲
Non-recurring operating charges66A€722€0▼
Gross operating margin9900€63k€59k▼
Operating profit (loss)9901€12k€26k▲
Financial charges65/66B€12k€11k▼
Recurring financial charges65€12k€11k▼
Profit (loss) for the period before taxes9903€524€14k▲
Income taxes67/77€150€1k▲
Profit (loss) for the period9904€374€13k▲
Profit (loss) for the period to be appropriated9905€374€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-18k€-5k▲
Profit (loss) brought forward from the previous period14P€-18k€-18k▲
Transfer from equity791/2€0-
The notes to these accounts (10 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
23-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Back to profitnet €374
Net result €374 after one loss-making year.
24-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Back to profitnet €24k
Net result €24k after one loss-making year.
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Weakest financial yearnet €-20k ▼208%
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
31-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Liquidity quadruplescurrent ratio 34.21
Current ratio from 9.23 to 34.21; short-term debt falls from €14k to €4k.
30-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Equity above €100kEq €117k ▲26.6%
2 profitable years in a row build equity to €117k.
25-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
21-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are 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, Gent · 1 establishment unit since 2007
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.
Groenbrugstraat 49000 GentGround area
81 m²
Building footprint
80 m²
Volume, LiDAR
601 m³
Parcel 44021A2334/00E000, Flanders · tallest building 13.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BELIGUM
since 20072.166.063.547
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44021A2334/00E000 | Flanders | 81 m² | 1 · 80 m² | 13.5 m · 3 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.
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Of 16,886 companies in sector 62100 we hold annual accounts for 8,776. 6,941 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-09-2007
Fiscal year end30-09
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
72220
62020IT consultancy
62200Computer consultancy and computer facilities management
64200Holdings
64210Activities of holding companies
68203Renting and operating of own or leased non-residential real estate, excluding land
90393Specialised image, lighting and sound technical services
92313
Sources
Crossroads Bank for EnterprisesNational Bank · 18 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.