Turnover
≈ €130,000 estimated
The micro format states no turnover.
Bits & Bricks
Overview
Lifetime
2 annual accounts with figures on one time axispeak €62,753 (2024)
€54,296▼ 13.5%
peak €49,516 (2024)
€41,705▼ 15.8%
peak €93,221 (2025)
€93,221▲ 81.0%
€23,067▲ 6.5%
Board1 name since 2024
1 directorDURVAUX Xavier Christian Thierry
Documentsfilings and deeds
31-08-202631 days late
2025micro format
Gross margin from €62,753 to €54,296Equity from €51,516 to €93,221Cash from €10,303 to €58,667
Key points
from the 2025 annual accountsInvestments
€1,684 1.7 × depreciation
Green is investment, beige is depreciation.
Liquidity
4.89 was 3.26 in 2024
Short-term debts rose from €21,638 to €23,057.
2025 accounts filed 31 days after the deadline
Checked score
98
Excellent
Financially stronger than 84% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,932 companies (NACE 62, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2025: 0.1%
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.2%▲ +0.1 percentage points vs 07-2026highest value
09-2026: < 0.1%▼ -0.2 percentage points vs 08-2026lowest value
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Founded in 2024
lowers risk
Sector: Computer programming, consultancy and related activities (NACE 62)
Liquidity: current ratio 4.89, cash €58,667
Equity €93,221 (80.2% of total assets)
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, 83% on liquidity, 82% on profitability and 87% on growth.
The bankruptcy probability was computed on 08-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 11,279 companies had the same profile as Bits & Bricks has now. Each dot stands for 29 companies, two years later.
96.6%
were still trading
2.6%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of Bits & Bricks itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 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 11,279 companies, not a prediction for Bits & Bricks. 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.
Credit verdict
Credit of up to €9,000 on 30-day terms, only on tighter conditions: young company (under 3 years) without a track record
Liquidity is ample, with a current ratio of 4.89 (3.26 in 2024), above the usual 1.5. Short-term debt is 19.8% and cash 50.5% of total assets. 19.8% of the assets are financed with debt and provisions.
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
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 2 filingsDeviation from the deadline
2025
31 days late
2024
26 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 29 days after 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)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1016339571
Incorporation
Founding capital of €2,000, 100 shares · Founder: DURVAUX Xavier Christian Thierry · Appointment: DURVAUX Xavier Christian Thierry (director) · published on 21-11-2024 · Gazette deed
First establishment
Rue de Gozée 215, Montigny-le-Tilleul
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Bits & Bricks Montigny-le-Tilleul | €116,288 | €54,296 | 80.2% | - |
| MICROLAND Anderlues | €124,300 | €67,760 | 38.1% | - |
| DigiBlockX Moerbeke (Waas) | €107,671 | €60,799 | 38.0% | - |
| Lagae IT Solutions Woluwe-Saint-Lambert | €119,637 | €60,750 | 73.8% | - |
| NAPOSI Florennes | €122,645 | €63,427 | 37.5% | - |
| LUCERVIUM Mortsel | €116,920 | €64,207 | 34.2% | - |
| SOLARIS ANALYTICS Woluwe-Saint-Lambert | €103,483 | €49,688 | 55.3% | - |
These companies have the same main activity as Bits & Bricks: computer programming (NACE 62100). They are comparable in size and age: total assets between €103,000 and €124,000, founded in 2024.
Official details
Source: KBO- Status
- Active since 19-11-2024Normal situation
- Activity
- Computer programmingNACE 62100and 3 others
- Establishment unit
- 2.367.485.7306110 Montigny-le-Tilleul, since 19-11-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 06-01-2026
Annual accounts 2025
- €54,296▼ 13.5%
- €41,705▼ 15.8%
- €93,221▲ 81.0%
- €116,288▲ 58.9%
- Filing
- Filed on 31-08-2026
Insights on Bits & Bricks
Bits & Bricks has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €93,221 and a net result of €41,705.
Its solvency ranks better than 75% of 21,206 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 31-08-2026, 31 days late€54,296
▼ 13.5%
€52,512
▼ 15.3%
€41,705
▼ 15.8%
€89,758
▲ 83.9%
80.2%
▲ 9.8 percentage points
4.89
▲ 1.64
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €130,000. Estimated: probably between €110,000 and €160,000.
Balance sheet
balance sheet total €116,288 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
80.2%
Higher than 75% of 21,206 companies in 2025.
4.89
Higher than 74% of 20,569 companies in 2025.
35.9%
Higher than 74% of 20,744 companies in 2025.
Bits & Bricks
Middle half of the sector
80% of the sector
Micro accounts in computer programming and consultancy (NACE 62)
Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
116,288 | 73,166 | |
21/28 |
3,473 | 2,728 | |
22/27 |
3,416 | 2,728 | |
24 |
3,416 | 2,728 | |
28 |
57 | - | |
29/58 |
112,814 | 70,437 | |
40/41 |
52,872 | 60,055 | |
40 |
37,667 | 37,897 | |
41 |
15,205 | 22,158 | |
54/58 |
58,667 | 10,303 | |
490/1 |
1,275 | 79 | |
| Balance sheet: equity and liabilities | |||
10/49 |
116,288 | 73,166 | |
10/15 |
93,221 | 51,516 | |
10/11 |
2,000 | 2,000 | |
14 |
91,221 | 49,516 | |
17/49 |
23,067 | 21,650 | |
42/48 |
23,057 | 21,638 | |
42 |
2,781 | - | |
44 |
1,465 | 2,697 | |
440/4 |
1,465 | 2,697 | |
45 |
18,811 | 18,941 | |
450/3 |
18,811 | 18,941 | |
492/3 |
10 | 12 | |
| Income statement | |||
9900 |
54,296 | 62,753 | |
630 |
997 | 767 | |
640/8 |
787 | - | |
9901 |
52,512 | 61,987 | |
75/76B |
951 | 79 | |
75 |
951 | 79 | |
65/66B |
985 | - | |
65 |
985 | - | |
9903 |
52,478 | 62,066 | |
67/77 |
10,773 | 12,550 | |
9904 |
41,705 | 49,516 | |
9905 |
41,705 | 49,516 | |
| Appropriation of the result | |||
9906 |
91,221 | 49,516 | |
14P |
49,516 | - | |
| Document | |||
The notes to these accounts have 7 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 31-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 31 days after the deadline. Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00467801.
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| 53,509 | 62,753 | ||
| 42,702 | 50,283 | ||
| 1,742 | 2,790 | ||
| 48,365 | - | ||
| 89,758 | 48,799 | ||
| 80.2% | 70.4% | ||
| 4.89 | 3.26 | ||
| 0.25 | 0.42 | ||
| 44.7% | 96.1% | ||
| 35.9% | 67.7% | ||
| 54.32 | - |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 | 2024 |
|---|---|---|
| Tangible fixed assets | €1,684 | €2,790 |
| Financial fixed assets | €57 | - |
| €997 | €767 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Insights on Bits & Bricks
The operating result for 2025 is 15% lower than in 2024.
Debt's share of the balance-sheet total falls from 29.6% to 19.8%. Equity and debt are higher.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
appointed by deed of 21-11-2024
term without a fixed end
listed in the 2025 annual accounts, filed on 31-08-2026
Mandates through the years
1 name, the dashed line is todayDURVAUX Xavier Christian Thierry
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- DURVAUX Xavier Christian Thierry
- Director (not named in the articles), appointed by deed of 21-11-2024, still in office
Control
Founder
This company
Bits & Bricks
Equity €93,221
Profit €41,705 in 2025
Capital
- Contribution
- €2,000
- Shares
- 100
- Contribution per share
- €20
- Equity per share
- €932 in 2025
- Source
- deed of 21-11-2024
Articles of association
deed of 21-11-2024 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Fixe ou proportionnelle, assemblée générale”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Fourth Wednesday of June at 16:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Shareholders
At incorporation
deed of 21-11-2024 ↗
- DURVAUX Xavier Christian Thierry 100 shares (100%) · €2,000
Network & group
No group
Bits & Bricks has no parent and no holdings in its annual accounts. DURVAUX Xavier Christian Thierry is the only director. Bits & Bricks shares no director with another company.
At the same address
Rue de Gozée 215, 6110 Montigny-le-Tilleul · 1 other company| Durvaux, Xavier (sole trader)
establishment since 01-10-2012 |
founded in 2012 0848.670.717 |
Timeline
Timeline
5 events since 2024Filings
Establishments
202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 31 days late
Registered in the Peppol Directory Reachable for e-invoices through 0208:1016339571
2025
Annual accounts 2024 filed NBBmicro format · 26 days late
2024
IncorporationFounding capital of €2,000, 100 shares · Founder: DURVAUX Xavier Christian Thierry · Appointment: DURVAUX Xavier Christian Thierry (director) · published on 21-11-20246 points ▸
- Founder, DURVAUX Xavier Christian Thierry
- Founding capital, €2,000, 100 shares
- DURVAUX Xavier Christian Thierry holds all the shares
- Registered office clause, rue de Gozée, numéro 215, 6110 Montigny-le-Tilleul
- Board rule, 1
- Director appointment, DURVAUX Xavier Christian Thierry (director (not named in the articles))
- The deed holds 9 more points.
First establishment Rue de Gozée 215, Montigny-le-Tilleul
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
On 19 November 2024, Bits & Bricks was incorporated as a private limited company by one natural person, with a starting capital of €2,000.12 DURVAUX Xavier Christian Thierry is director of the company, appointed by deed of 21-11-2024.2 The company has filed 2 sets of annual accounts, the latest for financial year 2025.3
Company details
Identity
- Enterprise number
- 1016.339.571
- VAT number
- BE 1016.339.571
- Peppol ID
- 0208:1016339571
- Other Peppol ID
- 9925:BE1016339571
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 19-11-2024
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Fourth Wednesday of June at 16:00deed of 21-11-2024 (in French)
- Peppol
- Reachable since 06-01-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- Bits & Bricks in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 21-11-2024 (in French)
- Name clauseThe company operates under this name according to its articles.
- Bits & Bricksdeed of 21-11-2024 (in French)
Activities
NACEBEL 202562100
Computer programming main activity
Codes under NACEBEL 2008
62010
Computer programming, consultancy and related activities main activity
62020
IT consultancy
62030
Computer programming, consultancy and related activities
62090
Computer programming, consultancy and related activities
63110
Computing infrastructure, data processing, hosting and other information service activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “La collecte,l’analyse et l’exploitation d’informations accessibles au public,provenant de sources ouvertes,pour des usages…”deed of 21-11-2024 (in French)
13 activities
- La collecte,l’analyse et l’exploitation d’informations accessibles au public,provenant de sources ouvertes,pour des usages stratégiques,opérationnels ou décisionnels.
- La veille stratégique et concurrentielle,incluant l’analyse des tendances du marché,des technologies,et des comportements en ligne.
- Le conseil en gestion et sécurisation des informations recueillies via des moyens légaux et conformes aux normes éthiques.
- La conception et le développement de systèmes ou outils d’automatisation de la collecte d’informations.
- La formation et l’accompagnement des entreprises ou organisations sur les techniques d’OSINT et la gestion des risques liés à l’information publique.
- Activités liées à la plongée sous-marine,principalement dans le cadre du rôle de Divemaster,incluant,sans s'y limiter,l'organisation de cours,formations,sorties,stages,et la vente ou location d'équipements de plongée.
- Prestations de conseil et de conception dans le domaine de l'architecture et de l'urbanisme,sans exercer directement les fonctions réservées aux architectes inscrits à l'ordre.Ces prestations incluent les services d'assistance à la maîtrise d'ouvrage,de conception d'espaces,d'aménagement intérieur,et de gestion de projet pour des travaux de construction et de rénovation.
- Prestations en informatique,incluant le développement de logiciels,la conception de sites web,la gestion de systèmes informatiques et de bases de données,le conseil en technologie de l'information,la conception,l'analyse,l'hébergement,et le développement de sites Internet,la programmation,ainsi que la création de solutions numériques,y compris des activités de recherche et développement.La société peut également fournir des services concernant l'Internet,l'image,la télévision,les CD Rom,les CD,et les jeux vidéos,ainsi que la vente et la distribution de logiciels et matériel informatique.
- La collecte,le traitement,l’analyse,et l’interprétation de données quantitatives et qualitatives.
- Le développement de modèles statistiques et prédictifs pour des applications dans divers secteurs(commerce,santé,finance,etc.).
- La création de rapports et tableaux de bord pour la prise de décision stratégique.
- Le conseil en méthodologie et en gestion de projets d’analyse statistique.
- La formation et l’accompagnement en analyse de données et en utilisation d’outils statistiques.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Rue de Gozée 215 registered office 6110 Montigny-le-Tilleul | 19-11-2024 | 2.367.485.730 |
Buildings and parcels at the address
- Ground area
- 406 m²
- Buildings
- 67 m²
- Volume, LiDAR
- 710 m³
- Tallest building
- 12.0 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 52048A0147/00G002 | 406 m² | 1 · 67 m² | 12.0 m · 4 |