Bizz & Tech Consult
ActiveBizz & Tech Consult has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €97k and a net result of €8k. Equity is growing by ~6.1% per year across the filed fiscal years. Its solvency ranks better than 55% of 9430 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▲+7
Solvency84▼-6
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 1.77 against 2.38 in 2024; short-term debt: 33.2% and cash: 41.8% of total assets), and 40.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
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
59.3%
Return on assets
4.6%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-03-2026, 143 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
143 d early
2024
92 d early
2023
28 d early
2022
42 d early
2021
20 d early
2020
17 d early
2019
36 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€97k▼ 16.6%
2024 · €116k
2018: €76k
2019: €84k
2020: €98k
2021: €137k
2022: €164k
2023: €125k
2024: €116k
2018 → 2025
Total assets
€163k▼ 9.2%
2024 · €180k
2018: €145k
2019: €137k
2020: €127k
2021: €195k
2022: €231k
2023: €245k
2024: €180k
2018 → 2025
Net result
€8k
2024 · €-409
2018: €1k
2019: €8k
2020: €14k
2021: €40k
2022: €27k
2023: €9k
2024: €-409
2018 → 2025
Working capital
€42k▼ 25.8%
2024 · €56k
2018: €60k
2019: €74k
2020: €96k
2021: €128k
2022: €117k
2023: €64k
2024: €56k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€137k-€164k▲ 19.6%€125k▼ 24.3%€116k▼ 6.9%€97k▼ 16.6%
Operating result€56k-€37k▼ 33.6%€12k▼ 67.9%€2k▼ 81.9%€13k▲ 499%
Net result€40k-€27k▼ 31.9%€9k▼ 68.0%€-409€8k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 499% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €163k
Fixed assets
€67k▼ 18.9%
Current assets
€96k▼ 0.9%
Equity and liabilities €163k
Equity
€97k▼ 16.6%
Debt
€66k▲ 4.1%
The debt ratio rises from 35.5% to 40.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€45k▲
2024 · €29k
Cash flow
€39k▲
2024 · €27k
Solvency
59.3%▼
2024 · 64.5%
Current ratio
1.77▼
2024 · 2.38
Quick ratio
1.77▼
2024 · 2.38
Debt / equity
0.69▲
2024 · 0.55
ROE
7.8%▲
2024 · -0.4%
ROA
4.6%▲
2024 · -0.2%
Interest coverage
26.96▲
2024 · 11.63
Debt
€66k▲
2024 · €64k
Debt ≤ 1 year
€54k▲
2024 · €41k
Debt > 1 year
€12k▼
2024 · €23k
Income taxes
€4k▲
2024 · €707
Staff costs
€23k
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€180k€163k▼
Fixed assets21/28€83k€67k▼
Intangible fixed assets21€3k€2k▼
Tangible fixed assets22/27€80k€65k▼
Plant, machinery and equipment23€18k€23k▲
Furniture and vehicles24€62k€42k▼
Current assets29/58€97k€96k▼
Amounts receivable within one year40/41€23k€26k▲
Trade receivables40€18k€26k▲
Other amounts receivable41€4k€818▼
Cash at bank and in hand54/58€73k€68k▼
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€180k€163k▼
Equity10/15€116k€97k▼
Contributions10/11€25k€25k=
Reserves13€91k€72k▼
Distributable reserves133€91k€72k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€64k€66k▲
Amounts payable after more than one year17€23k€12k▼
Financial debts170/4€23k€12k▼
Amounts payable within one year42/48€41k€54k▲
Current portion of amounts payable after more than one year42€17k€11k▼
Financial debts43€2k€422▼
Credit institutions430/8€2k€422▼
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€12k€12k▲
Taxes450/3€12k€8k▼
Remuneration and social security454/9-€4k
Other amounts payable47/48€8k€27k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€23k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€32k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-1k€753▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€29k€69k▲
Operating profit (loss)9901€2k€13k▲
Financial income75/76B€654€463▼
Recurring financial income75€654€463▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€298€12k▲
Income taxes67/77€707€4k▲
Profit (loss) for the period9904€-409€8k▲
Profit (loss) for the period to be appropriated9905€-409€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-409€8k▲
Transfer from equity791/2€9k€27k▲
Transfer to equity691/2€0€8k▲
To other reserves6921€0€8k▲
Profit to be distributed694/7€8k€27k▲
Return on contributions (dividend)694€8k€27k▲
The notes to these accounts (12 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
10-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-409 ▼105%
Net result drops to €-409, the lowest in the series; recovery starts the following year.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €150kEq €164k ▲19.6%
5 profitable years in a row build equity to €164k.
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €40k ▲184%
Operating result €56k, net result €40k, both a record.
31-12
Financial
Equity above €100kEq €137k ▲40.4%
4 profitable years in a row build equity to €137k.
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-06
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, Zemst · 1 establishment unit since 2000
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.
Tuilstraat 321982 ZemstGround area
3,474 m²
Building footprint
217 m²
Volume, LiDAR
1,545 m³
Parcel 23018C0149/00X000, Flanders · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Infrasonor
since 20002.099.518.280
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23018C0149/00X000 | Flanders | 3,474 m² | 1 · 217 m² | 10.5 m · 2 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 378 EUR awarded · 378 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 378 EUR | 378 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 2,145 companies in sector 71209 we hold annual accounts for 1,085. 823 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-02-2000
Fiscal year end31-12
Activities, NACEBEL
71209Other technical testing and analysis
74302
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.