BESPOKE SOFTWARE
ActiveFrom the official registers: KBO 20 annual accounts at the National Bank publications in the Belgian Official Gazette
Summary
BESPOKE SOFTWARE has been active since 2005 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €544,040 and a net result of €37,274. Equity is growing by about 12% per year across the filed financial years. Its solvency ranks better than 95% of 21,120 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Overview
Official details
KBO- Status
- Active since 08-06-2005 Normal situation
- Legal form
- Private limited company
- Registered office
- Van Crombrugghelaan 10, 1150 Sint-Pieters-Woluwe
- Activity
- Computer consultancy and computer facilities management NACE 62200and 2 others
- Establishment unit
- 2.148.364.611 1150 Sint-Pieters-Woluwe, since 03-06-2005
- Financial year end
- 31 December
- Peppol
- Reachable since 20-10-2025
How it is doing
- Bankruptcy probabilitywithin 12 months
- < 0.1%
- Gross margin
- €30,370
- ▼ 55.7%
- Turnover
- ≈ €100,000
- estimated
- Profit
- €37,274
- ▼ 33.5%
- Equity
- €544,040
- ▲ 7.4%
- Total assets
- €552,868
- ▲ 5.5%
Why 94lowers riskLiquidity: current ratio 62.56, cash €100,730Equity €544,040 (98.4% of total assets)Sector: Computer programming, consultancy and related activities (NACE 62)Size: total assets €552,868Show the evidence
Checked score
Fewer than 1 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 85% on solvency, 56% on liquidity, 22% on profitability and 53% on growth.
The bankruptcy probability was computed on 31-10-2026 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).
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Signals
This company filed its last 7 accounts on average 19 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)
Financials · financial year 2025, micro format
Annual accounts 2025
- Financial year ended
- 31-12-2025
- Filed on
- 22-07-2026
- Format
- micro format
- Reference
- 2026-00317532
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result has fallen two years in a row; 2025 is 56% below 2024 and is the lowest result in the available series.
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.
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 20,136 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 95.0% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
For this company itself Checked computes a bankruptcy probability of < 0.1% 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 497,445 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 20,136 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 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €0 | - | - | - | - | - |
| Other operating charges640/8 | - | - | - | €348 | €348 | €384 | €387 | €400 | ▲ 3.2% |
| Gross operating margin9900 | €52,784 | €52,037 | €53,439 | €51,827 | €57,199 | €76,828 | €68,488 | €30,370 | ▼ 55.7% |
| Operating profit (loss)9901 | €52,437 | €51,689 | €53,091 | €51,479 | €56,852 | €76,444 | €68,100 | €29,971 | ▼ 56.0% |
| Financial income75/76B | - | - | - | €968 | €1,070 | €7,414 | €14,918 | €25,880 | ▲ 73.5% |
| Recurring financial income75 | €635 | €248 | €587 | €968 | €1,070 | €7,414 | €14,918 | €25,880 | ▲ 73.5% |
| Financial charges65/66B | - | - | - | €872 | €1,009 | €399 | €475 | €991 | ▲ 109% |
| Recurring financial charges65 | €4,681 | €8,976 | €1,548 | €872 | €1,009 | €399 | €475 | €991 | ▲ 109% |
| Profit (loss) for the period before taxes9903 | €48,391 | €42,961 | €52,130 | €51,575 | €56,913 | €83,458 | €82,544 | €54,860 | ▼ 33.5% |
| Income taxes67/77 | €17,606 | €15,548 | €14,348 | €14,108 | €18,401 | €31,595 | €26,534 | €17,586 | ▼ 33.7% |
| Profit (loss) for the period9904 | €30,785 | €27,413 | €37,782 | €37,467 | €38,513 | €51,863 | €56,010 | €37,274 | ▼ 33.5% |
| Profit (loss) for the period to be appropriated9905 | €30,785 | €27,413 | €37,782 | €37,467 | €38,513 | €51,863 | €56,010 | €37,274 | ▼ 33.5% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €263,033 | €295,566 | €332,175 | €368,663 | €409,704 | €471,235 | €524,165 | €552,868 | ▲ 5.5% |
| Fixed assets21/28 | €600 | €600 | €600 | €600 | €600 | €600 | €600 | €600 | = |
| Tangible fixed assets22/27 | €600 | €600 | €600 | €600 | €600 | €600 | €600 | €600 | = |
| Furniture and vehicles24 | - | - | - | €600 | €600 | €600 | €600 | €600 | = |
| Current assets29/58 | €262,433 | €294,966 | €331,575 | €368,063 | €409,104 | €470,635 | €523,565 | €552,268 | ▲ 5.5% |
| Amounts receivable within one year40/41 | €14,960 | €10,193 | €25,342 | €3,187 | €0 | €12 | €4,004 | €7,486 | ▲ 87.0% |
| Trade receivables40 | - | - | - | €0 | - | - | €4,004 | €7,486 | ▲ 87.0% |
| Other amounts receivable41 | - | - | - | €3,187 | €0 | €12 | €0 | - | - |
| Current investments50/53 | €86,545 | €136,768 | €173,662 | €281,290 | €281,419 | €385,882 | €426,123 | €444,052 | ▲ 4.2% |
| Cash at bank and in hand54/58 | €160,929 | €148,004 | €132,572 | €83,586 | €127,685 | €84,741 | €93,439 | €100,730 | ▲ 7.8% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €263,033 | €295,566 | €332,175 | €368,663 | €409,704 | €471,235 | €524,165 | €552,868 | ▲ 5.5% |
| Equity10/15 | €257,718 | €285,132 | €322,914 | €360,381 | €398,893 | €450,757 | €506,766 | €544,040 | ▲ 7.4% |
| Contributions10/11 | €12,400 | €12,400 | - | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €245,318 | €272,732 | €310,514 | €347,981 | €386,493 | €438,357 | €494,366 | €531,640 | ▲ 7.5% |
| Non-distributable reserves130/1 | - | - | - | €1,860 | €1,860 | €0 | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €1,860 | €1,860 | €0 | - | - | - |
| Distributable reserves133 | - | - | - | €346,121 | €384,633 | €438,357 | €494,366 | €531,640 | ▲ 7.5% |
| Amounts payable17/49 | €5,315 | €10,434 | €9,262 | €8,282 | €10,811 | €20,478 | €17,399 | €8,828 | ▼ 49.3% |
| Amounts payable within one year42/48 | €5,315 | €10,434 | €9,262 | €8,282 | €10,811 | €20,478 | €17,399 | €8,828 | ▼ 49.3% |
| Trade debts44 | €666 | €2,314 | €845 | €625 | €1,393 | €564 | €870 | €944 | ▲ 8.5% |
| Suppliers440/4 | - | - | - | €625 | €1,393 | €564 | €870 | €944 | ▲ 8.5% |
| Taxes, remuneration and social security45 | - | - | - | €7,310 | €9,009 | €18,573 | €16,181 | €7,536 | ▼ 53.4% |
| Taxes450/3 | - | - | - | €7,310 | €9,009 | €18,573 | €16,181 | €7,536 | ▼ 53.4% |
| Other amounts payable47/48 | - | - | - | €348 | €409 | €1,341 | €349 | €349 | = |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €30,785 | €27,413 | €37,782 | €37,467 | €38,513 | €51,863 | €56,010 | €37,274 | ▼ 33.5% |
| Operating cash flow (approximation) | €30,785 | €27,413 | €37,782 | €37,467 | €38,513 | €51,863 | €56,010 | €37,274 | ▼ 33.5% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | €0 | €0 | €0 | - |
| Change in cash | - | -€12,924 | -€15,433 | -€48,986 | €44,099 | -€42,945 | €8,698 | €7,291 | ▼ 16.2% |
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 20 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 22-07-2026 | 2026-00317532 | NBB |
| 31-12-2024 | micro format | 20-06-2025 | 2025-00161054 | |
| 31-12-2023 | micro format | 19-08-2024 | 2024-00350073 | |
| 31-12-2022 | micro format | 03-08-2023 | 2023-00309710 | |
| 31-12-2021 | micro format | 16-08-2022 | 2022-20292970 | |
| 31-12-2020 | micro format | 29-03-2021 | 2021-08700374 | |
| 31-12-2019 | micro format | 31-07-2020 | 2020-37300426 | |
| 31-12-2018 | micro format | 19-06-2019 | 2019-21100288 | |
| 31-12-2017 | micro format | 20-06-2018 | 2018-20600469 | |
| 31-12-2016 | micro format | 14-07-2017 | 2017-32000491 |
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
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| CULLOP Paul Leonard |
|
How the board is organised
Who represents it, and how
- Board ruleHow the board is made up, meets and takes decisions.
- “Bestuursorgaan, met of zonder beperking van duur”“Vaste of evenredige vergoeding, algemene kosten, los van representatie-,reis-en verplaatsingskosten”
Oversight and winding up
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Beslissing algemene vergadering beslissende in vormen vereist voor statutenwijziging, op elk moment”
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- One provision in the deed
Articles of association, deed of 31-03-2023 (in Dutch)
Owners and capital
Capital and shareholders
- CULLOP Paul Leonard all shares
- 31-03-2023 Converted to unavailable equity
- 31-03-2023 Converted to available equity
Shares according to the articles of association
Capital, shares and profit
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- One provision in the deed
- Share issue ruleHow and by whom new shares can be issued.
- “Artikel 8, e-mail of gewone post zelfde dag”
Other provisionsRules from the articles on subjects other than the board, the shares, the purpose and the meetings.
Articles of association, deed of 31-03-2023 (in Dutch)
Group and network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
31-03
Gazette deed
Resignation: CULLOP Paul Leonard (manager)Appointment: CULLOP Paul Leonard (director) · Shareholding · Amendment of the articles12 facts ▸
- General meeting, 29-03-2023
- Shareholding, 29-03-2023, 100
- Other provision, “agenda buitengewone algemene vergadering, statuten aanpassen aan WVV” (deed in Dutch)
- Other provision, “geldigheid vergadering” (deed in Dutch)
- Amendment of the articles (2 times)
- Capital conversion, “statutair onbeschikbare eigen vermogensrekening” (deed in Dutch)
- Capital conversion, “beschikbaar voor uitkering” (deed in Dutch)
- Director in office, CULLOP Paul Leonard (director)
- Director resignation, CULLOP Paul Leonard (manager)
- Director appointment, CULLOP Paul Leonard (director (not named in the articles))
- Other provision, “kwijting ontslagnemende zaakvoerder, te beslissen” (deed in Dutch)
- Registered office clause, “1150 Sint-Pieters-Woluwe, Van Crombrugghelaan 10” (deed in Dutch)
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
Register details
Who it is
KBO recordWhere it is based
What it does
NACEBEL 2025Invoicing and payment
Financial year and general meeting
Accounts at the NBBScores and ratios are computed by Checked and are not a credit decision.
Purpose according to the articles of association
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- Bespoke Software
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Vlaams Gewest, Artikel 2”
Articles of association, deed of 31-03-2023 (in Dutch)
Sites & property
1 establishment unit
Buildings and parcels at the address
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 21683D0371/00K026 | Brussels | 185 m² | 1 · 68 m² | 11.9 m · 3 |