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Generated 11-08-2026
Active BE 0803.893.042Private limited company

BlackBear Labs

IJzerenpoortkaai 3 ·2000 Antwerpen, Belgium· 3 yrs active
Sector: Ontwerpen van computerprogramma’s (62100)
Conclusion Checked

The computed 12-month bankruptcy probability of BlackBear Labs is 0.6% (low). The 2024 annual accounts show equity of €29k and a net result of €4k. Its solvency ranks better than 14% of 7336 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €29k
Net result €4k
Better than sector 14%
Active 3 yrs
Snowflake analysis 4 of 5 axes measured · computed by Checked
Health60Profitability67Solvency26Growth-Stability79
58 / 100

Mixed profile: strong on stability, weaker on solvency.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 60
Profitability 67
Solvency 26
Growth -
Stability 79
Bankruptcy probability (12 mo) Checked model v1 · free
0.6% Low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Young company +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags 0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2024 · computed
60 / 100 Healthy
050100
Computed from 3 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

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Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview1 NBB filings
Annual accounts filed on 01-10-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 62, Computer programming & consultancy · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 15.9% 65.0%
better than 14% of 7336 sector peers
Net result €4k €32k
better than 21% of 7333 sector peers
Equity €29k €58k
better than 29% of 7338 sector peers
Gross operating margin €6k €52k
better than 15% of 7327 sector peers
Total assets €181k €103k
better than 76% of 7339 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenue-
EBITDA-
Net profit€4k
Cash flow-
Staff costs-
Income taxes€1k
Dividends-
Total assets€181k
Equity€29k
Debt€152k
of which ≤ 1y€152k
of which > 1y-
Working capital€29k
Employees (FTE)-
Ratios (computed)
2024
Current ratio1.19
Quick ratio1.19
Working capital ratio15.9%
Solvency15.9%
Debt / equity5.28
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA2.1%
ROE13.4%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€181k
Current assets 29/58€181k
Amounts receivable within one year 40/41€102k
Cash & bank 54/58€79k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€181k
Equity 10/15€29k
Contributions / capital 10/11€25k
Reserves 13€4k
Amounts payable 17/49€152k
Amounts payable within one year 42/48€152k
Trade debts payable within one year 44€68k
Income statement
Gross operating margin 9900€6k
Operating result 9901€5k
Financial income 75€0
Financial charges 65€408
Result before taxes 9903€5k
Income taxes 67/77€1k
Net result for the period 9904€4k
Result to be appropriated 9905€4k
Ratios computed by Checked.
Legal Structure
NACE primary Ontwerpen van computerprogramma’s(62100)
Legal form Private limited company(610)
Incorporation12-07-2023
StatusActive
Postal code2000
Establishment units 1 location
BlackBear / Finn
IJzerenpoortkaai 3, 2000 AntwerpenReparatie en onderhoud van elektronische en optische apparatuur
since 20232.347.679.617
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11811L3958/00T000 Flanders 449 m² 1 · 438 m² 20.1 m · 5 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 2 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
01-10-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
23-10-2024
State Gazette act Minor change
Agm rules change · Nicky De Smet
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 1 year ago
2024
23-10-2024 Publication in the Belgian Official Gazette, Minor change Minor change·Nicky De Smet
Summary: Agm rules changeNotary: Nicky De Smet · Antwerpen
Technical details 
{
  "notary": {
    "name": "Nicky De Smet",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Antwerpen",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2024-10-23",
    "filing_date": "2024-10-21",
    "act_kind_objet": "DOEL"
  },
  "decision": {
    "body": "buitengewone_algemene_vergadering",
    "date": "2024-10-14",
    "unanimous": null
  },
  "agm_change": {
    "new_schedule": null,
    "old_schedule": null,
    "effective_from_year": null,
    "rule_changes_summary": "De vennootschap mag vanaf heden ook de handelsbenaming \u201CSafety Workwear Shop\u201D gebruiken. Artikel 1 van de statuten wordt in die zin aangepast."
  },
  "detected_kind": "agm_rules_change",
  "other_address": null,
  "mandate_renewal": null,
  "subject_company": {
    "kbo": "0803.893.042",
    "name_full": "BLACKBEAR LABS",
    "legal_form": "BV"
  },
  "accounts_deposit": null,
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null
  },
  "co_filed_documents": [
    "afschrift akte",
    "geco\u00F6rdineerde statuten"
  ],
  "fiscal_year_change": null,
  "liquidation_closure": null,
  "officer_designation": null,
  "special_procuration": null,
  "is_volet_a_only_stub": false,
  "vakbekwaamheid_change": null,
  "should_reroute_to_category": null,
  "single_shareholder_declaration": null
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Ontwerpen en programmeren van computerprogramma's62010Ontwerpen van computerprogramma’s62100Detailhandel in ICT-apparatuur47400Detailhandel in computers, randapparatuur en software in gespecialiseerde winkels47410Overige uitgeverijen van software58290Uitgeven van overige software58290Computerconsultancy-activiteiten62020Activiteiten op het gebied van computerconsultancy en beheer van computerfaciliteiten62200Mediarepresentatie73120Mediarepresentatie73120
Primary activity highlighted.
Names & trade names
Legal nameNL BlackBear Labs
Registered office
IJzerenpoortkaai 3
2000 Antwerpen, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative