Equity
BT4DM has made a profit in every financial year since 2023.
BT4DM has made a profit in every financial year since 2023.
The micro format states no turnover.
Higher solvency than 92% of companies in computer programming and consultancy. Sector median 60.0% · 21,217 companies.
In July 2024, 39,274 companies had the same profile as BT4DM has now. Each dot stands for 99 companies, two years later.
Another 0.1% stopped without a precise date, possibly only after those two years.
The method was tested on the 497,331 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 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
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 39,274 companies, not a prediction for BT4DM. 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.
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.
| Company | ||||
|---|---|---|---|---|
| BT4DM Ath | €110,551 | €40,396 | 93.0% | - |
| JS HighT Consult Charleroi | €125,441 | €44,274 | 70.1% | - |
| NetOps Insights Charleroi | €101,336 | €41,385 | 56.3% | - |
| DRIANCOURT Pont-à-Celles | €101,327 | €37,802 | 3.0% | - |
| YDEAL SERVICES Haacht | €117,873 | €41,646 | 80.2% | - |
| BRIGHT-TECHNOLOGIES Molenbeek-Saint-Jean | €107,195 | €40,586 | 83.5% | - |
| GIHANA IT SERVICES SOLUTIONS Overijse | €102,352 | €39,660 | 89.4% | - |
These companies have the same main activity as BT4DM: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €101,000 and €125,000, founded between 2022 and 2024.
BT4DM files the micro format. That format states no turnover. The gross margin fell from €46,133 in 2023 to €40,396 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
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