BProgramming
ActiveBProgramming has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €68k and a net result of €14k. Equity is growing by ~27% per year across the filed fiscal years. Its solvency ranks better than 76% of 16809 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 4.79 against 5.74 in 2024), and 18.8% 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+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
Sector 62
lower
← 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
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
81.2%
Return on assets
17.3%
Age of the figures
8 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 28-07-2026, 3 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
3 d early
2024
8 d late
2023
28 d late
2022
8 d late
2021
3 d early
2020
4 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
09-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€68k▲ 10.5%
2024 · €61k
2020: €22k
2021: €28k
2022: €29k
2023: €46k
2024: €61k
2020 → 2025
Total assets
€83k▲ 15.7%
2024 · €72k
2020: €29k
2021: €30k
2022: €31k
2023: €51k
2024: €72k
2020 → 2025
Net result
€14k▼ 32.9%
2024 · €22k
2020: €12k
2021: €6k
2022: €780
2023: €17k
2024: €22k
2020 → 2025
Working capital
€59k▲ 15.8%
2024 · €51k
2020: €20k
2021: €26k
2022: €22k
2023: €33k
2024: €51k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€28k-€29k▲ 2.8%€46k▲ 58.8%€61k▲ 33.9%€68k▲ 10.5%
Operating result€10k-€3k▼ 69.8%€22k▲ 652%€30k▲ 33.9%€20k▼ 33.7%
Net result€6k-€780▼ 86.3%€17k▲ 2,071%€22k▲ 27.0%€14k▼ 32.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 34% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €83k
Fixed assets
€8k▼ 17.0%
Current assets
€75k▲ 20.9%
Equity and liabilities €83k
Equity
€68k▲ 10.5%
Debt
€16k▲ 44.9%
The debt ratio rises from 15.0% to 18.8%: debt grows faster than equity.
Key figures and ratios
EBITDA
€24k▼
2024 · €34k
Cash flow
€19k▼
2024 · €26k
Solvency
81.2%▼
2024 · 85.0%
Current ratio
4.79▼
2024 · 5.74
Quick ratio
4.79▼
2024 · 5.74
Debt / equity
0.23▲
2024 · 0.18
ROE
21.3%▼
2024 · 35.1%
ROA
17.3%▼
2024 · 29.8%
Interest coverage
151.47▼
2024 · 232.95
Debt
€16k▲
2024 · €11k
Debt ≤ 1 year
€16k▲
2024 · €11k
Income taxes
€5k▼
2024 · €8k
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€72k€83k▲
Fixed assets21/28€10k€8k▼
Tangible fixed assets22/27€10k€8k▼
Plant, machinery and equipment23€4k€5k▲
Furniture and vehicles24€6k€3k▼
Financial fixed assets28€150€150=
Current assets29/58€62k€75k▲
Amounts receivable within one year40/41€13k€10k▼
Trade receivables40€12k€9k▼
Other amounts receivable41€1k€1k▼
Cash at bank and in hand54/58€49k€65k▲
Deferred charges and accrued income490/1€21€635▲
Equity and liabilities
Total equity and liabilities10/49€72k€83k▲
Equity10/15€61k€68k▲
Contributions10/11€10k€10k=
Reserves13€18k€18k=
Distributable reserves133€18k€18k=
Profit (loss) carried forward14€33k€40k▲
Amounts payable17/49€11k€16k▲
Amounts payable within one year42/48€11k€16k▲
Trade debts44€1k€1k▲
Suppliers440/4€1k€1k▲
Taxes, remuneration and social security45€1k€5k▲
Taxes450/3€1k€5k▲
Remuneration and social security454/9€50€50=
Other amounts payable47/48€8k€10k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€4k▼
Other operating charges640/8€375€319▼
Gross operating margin9900€34k€24k▼
Operating profit (loss)9901€30k€20k▼
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€146€156▲
Recurring financial charges65€146€156▲
Profit (loss) for the period before taxes9903€29k€19k▼
Income taxes67/77€8k€5k▼
Profit (loss) for the period9904€22k€14k▼
Profit (loss) for the period to be appropriated9905€22k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€39k€48k▲
Profit (loss) brought forward from the previous period14P€18k€33k▲
Profit to be distributed694/7€6k€8k▲
Return on contributions (dividend)694€6k€8k▲
The notes to these accounts (6 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
08-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 8 days late
2024
31-12
Financial
Highest result since 2020net €22k ▲27%
Operating result €30k, net result €22k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
08-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 8 days late
2022
31-12
Financial
Weakest financial yearnet €780 ▼86.3%
Net result drops to €780, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity quadruplescurrent ratio 16.43
Current ratio from 4.07 to 16.43; short-term debt falls from €7k to €2k.
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
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.
Have them read with priority
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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, Geetbets · 1 establishment unit since 2019
Ground area
647 m²
Building footprint
143 m²
Volume, LiDAR
505 m³
Parcel 24095B0286/00S003, Flanders · tallest building 8.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
BProgramming
since 20192.291.577.884
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24095B0286/00S003 | Flanders | 647 m² | 1 · 143 m² | 8.6 m · 1 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.
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Of 16,798 companies in sector 62100 we hold annual accounts for 8,744. 6,889 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-07-2019
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 09-09-2026. Scores and ratios are computed by Checked and are not a credit decision.