BRED.IT
ActiveBRED.IT has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €104k and a net result of €27k. Equity is growing by ~4.6% per year across the filed fiscal years. Its solvency ranks better than 35% of 16619 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
91
/ 100
Excellent▼ -2 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+15
Solvency80▼-17
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 1.77 against 2.97 in 2024), but 58.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
41.6%
Return on assets
10.8%
Age of the figures
11 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 15-04-2026, 15 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
15 d early
2024
26 d early
2023
28 d early
2022
40 d early
2021
30 d early
2020
38 d early
2019
38 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
05-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€104k▼ 23.9%
2024 · €136k
2022: €103k
2023: €113k
2024: €136k
2022 → 2025
Total assets
€249k▼ 1.6%
2024 · €254k
2022: €224k
2023: €239k
2024: €254k
2022 → 2025
Net result
€27k▲ 16.0%
2024 · €23k
2022: €23k
2023: €24k
2024: €23k
2022 → 2025
Working capital
€63k▼ 30.0%
2024 · €90k
2022: €70k
2023: €80k
2024: €90k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€103k-€113k▲ 9.6%€136k▲ 20.5%€104k▼ 23.9%
Operating result€35k-€40k▲ 13.9%€34k▼ 14.8%€38k▲ 11.7%
Net result€23k-€24k▲ 4.6%€23k▼ 5.0%€27k▲ 16.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 12% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €249k
Fixed assets
€104k▼ 11.7%
Current assets
€145k▲ 7.0%
Equity and liabilities €249k
Equity
€104k▼ 23.9%
Debt
€146k▲ 24.3%
The debt ratio rises from 46.2% to 58.4%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€58k▲
2024 · €53k
Cash flow
€47k▲
2024 · €42k
Solvency
41.6%▼
2024 · 53.8%
Current ratio
1.77▼
2024 · 2.97
Quick ratio
1.74▼
2024 · 2.97
Debt / equity
1.40▲
2024 · 0.86
ROE
25.9%▲
2024 · 17.0%
ROA
10.8%▲
2024 · 9.1%
Interest coverage
20.22▼
2024 · 27.74
Debt
€146k▲
2024 · €117k
Debt ≤ 1 year
€82k▲
2024 · €46k
Debt > 1 year
€63k▼
2024 · €71k
Income taxes
€11k▲
2024 · €10k
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
Total assets
20/58€254k€249k▼
Fixed assets
21/28€118k€104k▼
Tangible fixed assets
22/27€118k€104k▼
Current assets
29/58€136k€145k▲
Stocks & contracts in progress
3-€2k
Amounts receivable within one year
40/41€34k€43k▲
Investments
50/53€28k€15k▼
Cash & bank
54/58€73k€83k▲
Total equity & liabilities
10/49€254k€249k▼
Equity
10/15€136k€104k▼
Contributions / capital
10/11€6k€6k=
Reserves
13€127k€96k▼
Accumulated profits (losses)
14€4k€2k▼
Amounts payable
17/49€117k€146k▲
Amounts payable after one year
17€71k€63k▼
Amounts payable within one year
42/48€46k€82k▲
Trade debts payable within one year
44€3k€9k▲
Income statement
Code20242025
Gross operating margin
9900€54k€59k▲
Operating result
9901€34k€38k▲
Financial income
75€1k€3k▲
Financial charges
65€2k€3k▲
Result before taxes
9903€33k€38k▲
Income taxes
67/77€10k€11k▲
Net result for the period
9904€23k€27k▲
Result to be appropriated
9905€23k€27k▲
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
15-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2022net €27k ▲16%
Net result €27k, the highest in the series.
04-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Weakest financial yearnet €23k ▼5%
Net result drops to €23k, the lowest in the series; recovery starts the following year.
02-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
21-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
23-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
23-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
12-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
Wehi
BE 0642.972.517
Sint-Truiden · Eq €104k
DAMATEC
BE 0670.546.845
Kortrijk · Eq €104k
MAXELI Consulting
BE 1004.013.841
Grez-Doiceau · Eq €104k
RBOX Services
BE 0800.026.009
Buggenhout · Eq €104k
TVH CONSULT
BE 0739.654.989
Deinze · Eq €104k
Of 29,862 companies in sector 62200 we hold annual accounts for 18,021. 15,295 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-12-2016
Fiscal year end30-09
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
46500Wholesale of information and communication equipment
46510Wholesale trade
47400Retail sale of information and communication equipment
47410Retail trade
62010Computer programming, consultancy and related activities
62100Computer programming
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 17-08-2026. Scores and ratios are computed by Checked and are not a credit decision.