BisschOPS
ActiveSummary
BisschOPS has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €78,246 and a net result of €40,182. Equity is growing by ~45.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 20783 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability100▲+11
Solvency100▲+25
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7,000 at 30 days acceptable
Liquidity ample (current ratio 14.49 against 1.61 in 2023; short-term debt: 4.3% and cash: 34.4% of total assets), and 4.3% of the assets are financed with debt.
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Signals
Four 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
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-06-2025, 51 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
2024
51 d early
2023
29 d early
2022
35 d early
2021
60 d late
2020
46 d early
2019
112 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 2 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€78,246▲ 40.2%
2023 · €55,822
Total assets
€81,750▼ 26.4%
2023 · €111,056
Net result
€40,182▲ 127%
2023 · €17,686
Working capital
€47,263▲ 40.2%
2023 · €33,712
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€30,509€3,208▼ 89.5%€15,906▲ 396%€22,289▲ 40.1%€52,083▲ 134%
Net result€26,057-€661€12,507€17,686▲ 41.4%€40,182▲ 127%
Equity€24,789€24,129▼ 2.7%€38,136▲ 58.1%€55,822▲ 46.4%€78,246▲ 40.2%
Total assets€97,757▲ 16.6%€86,019▼ 12.0%€105,612▲ 22.8%€111,056▲ 5.2%€81,750▼ 26.4%
Debt€68,515▼ 19.3%€61,890▼ 9.7%€67,476▲ 9.0%€55,234▼ 18.1%€3,504▼ 93.7%
Working capital€14,655€10,432▼ 28.8%€26,073▲ 150%€33,712▲ 29.3%€47,263▲ 40.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 134% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €81,750
Fixed assets
€30,983 ▲ 40.1%
Current assets
€50,767 ▼ 42.9%
Equity and liabilities €81,750
Equity
€78,246 ▲ 40.2%
Debt
€3,504 ▼ 93.7%
Debt's share of the balance-sheet total falls from 49.7% to 4.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€59,837▲
2023 · €43,629
Cash flow
€47,936▲
2023 · €39,026
Current ratio
14.49▲
2023 · 1.61
Debt to equity
0.04▼
2023 · 0.99
ROE
51.4%▲
2023 · 31.7%
ROA
49.2%▲
2023 · 15.9%
Interest coverage
109.99▲
2023 · 74.58
Debt ≤ 1 year
€3,504▼
2023 · €55,234
Income taxes
€11,385▲
2023 · €4,018
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,964 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.5%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.5% 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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 26,964 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.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €19,801 | €20,535 | €21,650 | €21,340 | €7,754 | ▼ 63.7% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €1,270 | - | - | - | - |
| Other operating charges640/8 | - | - | €718 | €748 | €976 | ▲ 30.5% |
| Gross operating margin9900 | €55,538 | €25,013 | €38,274 | €44,377 | €60,813 | ▲ 37.0% |
| Operating profit (loss)9901 | €30,509 | €3,208 | €15,906 | €22,289 | €52,083 | ▲ 134% |
| Financial income75/76B | - | - | €17 | - | €28 | - |
| Recurring financial income75 | - | - | €17 | - | €28 | - |
| Financial charges65/66B | - | €1,369 | €728 | €585 | €544 | ▼ 7.0% |
| Recurring financial charges65 | - | €1,369 | €728 | €585 | €544 | ▼ 7.0% |
| Profit (loss) for the period before taxes9903 | €30,509 | €1,839 | €15,195 | €21,704 | €51,567 | ▲ 138% |
| Income taxes67/77 | €4,452 | €2,500 | €2,688 | €4,018 | €11,385 | ▲ 183% |
| Profit (loss) for the period9904 | €26,057 | -€661 | €12,507 | €17,686 | €40,182 | ▲ 127% |
| Transfer to tax-exempt reserves689 | - | - | €3,367 | €3,367 | €3,367 | = |
| Profit (loss) for the period to be appropriated9905 | €22,690 | -€661 | €9,140 | €14,319 | €36,815 | ▲ 157% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €97,757 | €86,019 | €105,612 | €111,056 | €81,750 | ▼ 26.4% |
| Fixed assets21/28 | €65,697 | €52,565 | €35,533 | €22,110 | €30,983 | ▲ 40.1% |
| Tangible fixed assets22/27 | €65,517 | €52,185 | €35,153 | €21,730 | €30,603 | ▲ 40.8% |
| Land and buildings22 | - | €14,071 | €12,548 | €11,024 | €9,500 | ▼ 13.8% |
| Plant, machinery and equipment23 | - | - | €2,781 | €7,408 | €14,437 | ▲ 94.9% |
| Furniture and vehicles24 | - | €4,463 | €2,999 | €3,298 | €6,666 | ▲ 102% |
| Leasing and similar rights25 | - | €33,651 | €16,825 | - | - | - |
| Financial fixed assets28 | €180 | €380 | €380 | €380 | €380 | = |
| Current assets29/58 | €32,060 | €33,454 | €70,079 | €88,946 | €50,767 | ▼ 42.9% |
| Amounts receivable within one year40/41 | €1,020 | €23,002 | €28,679 | €19,511 | €21,727 | ▲ 11.4% |
| Trade receivables40 | - | €12,868 | €15,686 | €15,704 | €19,727 | ▲ 25.6% |
| Other amounts receivable41 | - | €10,134 | €12,993 | €3,807 | €2,000 | ▼ 47.5% |
| Cash at bank and in hand54/58 | €14,597 | €9,639 | €40,375 | €68,541 | €28,142 | ▼ 58.9% |
| Deferred charges and accrued income490/1 | - | €813 | €1,025 | €894 | €898 | ▲ 0.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €97,757 | €86,019 | €105,612 | €111,056 | €81,750 | ▼ 26.4% |
| Equity10/15 | €24,789 | €24,129 | €38,136 | €55,822 | €78,246 | ▲ 40.2% |
| Contributions10/11 | - | - | €1,500 | €1,500 | €1,500 | = |
| Reserves13 | €7,031 | €7,031 | €10,398 | €13,765 | €17,132 | ▲ 24.5% |
| Tax-exempt reserves132 | - | €7,031 | €10,398 | €13,765 | €17,132 | ▲ 24.5% |
| Profit (loss) carried forward14 | €17,758 | €17,098 | €26,238 | €40,557 | €59,614 | ▲ 47.0% |
| Provisions and deferred taxes16 | €4,452 | - | - | - | - | - |
| Amounts payable17/49 | €68,515 | €61,890 | €67,476 | €55,234 | €3,504 | ▼ 93.7% |
| Amounts payable after more than one year17 | €51,110 | €38,868 | €23,470 | - | - | - |
| Financial debts170/4 | - | €38,868 | €23,470 | - | - | - |
| Amounts payable within one year42/48 | €17,405 | €23,022 | €44,006 | €55,234 | €3,504 | ▼ 93.7% |
| Current portion of amounts payable after more than one year42 | - | €12,086 | €12,404 | €23,470 | - | - |
| Financial debts43 | - | - | €60 | €22 | €22 | = |
| Credit institutions430/8 | - | - | €60 | €22 | €22 | = |
| Trade debts44 | €2,176 | €1,592 | €24,722 | €24,227 | - | - |
| Suppliers440/4 | - | €1,592 | €24,722 | €24,227 | - | - |
| Taxes, remuneration and social security45 | - | €9,344 | €6,660 | €7,450 | €3,080 | ▼ 58.7% |
| Taxes450/3 | - | €9,344 | €6,660 | €7,269 | €2,879 | ▼ 60.4% |
| Remuneration and social security454/9 | - | - | - | €181 | €201 | ▲ 11.0% |
| Other amounts payable47/48 | - | - | €160 | €65 | €402 | ▲ 518% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €26,057 | -€661 | €12,507 | €17,686 | €40,182 | ▲ 127% |
| + Depreciation and write-downs630 | €19,801 | €20,535 | €21,650 | €21,340 | €7,754 | ▼ 63.7% |
| Operating cash flow (approximation) | €45,857 | €19,874 | €34,157 | €39,026 | €47,936 | ▲ 22.8% |
| Investment in fixed assets (approximation) | - | -€7,403 | -€4,618 | -€7,917 | -€16,627 | ▼ 110% |
| Change in cash | - | -€4,958 | €30,736 | €28,166 | -€40,399 | ▼ 243% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2019net €40,182 ▲127%
Operating result €52,083, net result €40,182, both a record.
31-12
Financial
Liquidity times 9current ratio 14.49
Current ratio from 1.61 to 14.49; short-term debt falls from €55,234 to €3,504.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €12,507
Net result €12,507 after one loss-making year.
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 60 days late
2021
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €26,057
Net result €26,057 after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 1.84
Current ratio from 0.56 to 1.84; short-term debt falls from €21,909 to €17,405.
20-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 112 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Liège · 1 establishment unit since 2019
Ground area
1,146 m²
Building footprint
31 m²
Volume, LiDAR
110 m³
Parcel 62059C0176/00E002, Wallonia · tallest building 4.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
BisschOPS
since 20192.290.629.462
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62059C0176/00E002 | Wallonia | 1,146 m² | 1 · 31 m² | 4.7 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
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 30,007 companies in sector 62200 we hold annual accounts for 18,396. 15,584 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded13-06-2019
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
46500Wholesale of information and communication equipment
62900Other information technology and computer services
63100Computing infrastructure, data processing, hosting and related activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0728462674
Also
9925:BE0728462674
Registered
27-10-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.