Buddi
ActiveBuddi has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €79k and a net result of €28k. Equity is growing by ~61.7% per year across the filed fiscal years. Its solvency ranks better than 84% of 17007 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+1
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 7.35 against 3.46 in 2024; short-term debt: 12.9% and cash: 64.7% of total assets), and 12.9% 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
87.1%
Return on assets
31.2%
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 22-07-2026, 9 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
9 d early
2024
15 d early
2023
26 d early
2022
87 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€79k▲ 55.8%
2024 · €51k
2022: €19k
2023: €29k
2024: €51k
2022 → 2025
Total assets
€91k▲ 32.6%
2024 · €69k
2022: €29k
2023: €36k
2024: €69k
2022 → 2025
Net result
€28k▲ 30.5%
2024 · €22k
2022: €17k
2023: €11k
2024: €22k
2022 → 2025
Working capital
€74k▲ 69.7%
2024 · €44k
2022: €19k
2023: €29k
2024: €44k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€19k-€29k▲ 51.9%€51k▲ 74.8%€79k▲ 55.8%
Operating result€21k-€15k▼ 28.1%€29k▲ 90.6%€38k▲ 28.7%
Net result€17k-€11k▼ 36.7%€22k▲ 103%€28k▲ 30.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 29% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €91k
Fixed assets
€5k▼ 29.3%
Current assets
€86k▲ 39.7%
Equity and liabilities €91k
Equity
€79k▲ 55.8%
Debt
€12k▼ 34.2%
The debt ratio falls from 25.9% to 12.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€41k▲
2024 · €30k
Cash flow
€32k▲
2024 · €22k
Solvency
87.1%▲
2024 · 74.1%
Current ratio
7.35▲
2024 · 3.46
Quick ratio
7.35▲
2024 · 3.46
Debt / equity
0.15▼
2024 · 0.35
ROE
35.8%▼
2024 · 42.8%
ROA
31.2%▼
2024 · 31.7%
Interest coverage
46.21▲
2024 · 31.98
Debt
€12k▼
2024 · €18k
Debt ≤ 1 year
€12k▼
2024 · €18k
Income taxes
€8k▲
2024 · €7k
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€69k€91k▲
Fixed assets21/28€7k€5k▼
Tangible fixed assets22/27€7k€5k▼
Plant, machinery and equipment23€7k€5k▼
Current assets29/58€62k€86k▲
Amounts receivable within one year40/41€37k€23k▼
Trade receivables40€37k€21k▼
Other amounts receivable41-€2k
Cash at bank and in hand54/58€17k€59k▲
Deferred charges and accrued income490/1€8k€4k▼
Equity and liabilities
Total equity and liabilities10/49€69k€91k▲
Equity10/15€51k€79k▲
Contributions10/11€3k€3k=
Reserves13€48k€76k▲
Distributable reserves133€48k€76k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€18k€12k▼
Amounts payable within one year42/48€18k€12k▼
Trade debts44€6k€2k▼
Suppliers440/4€6k€2k▼
Taxes, remuneration and social security45€10k€7k▼
Taxes450/3€10k€7k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€1k€3k▲
Income statement
Code20242025
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€548€3k▲
Other operating charges640/8€584€1k▲
Gross operating margin9900€30k€43k▲
Operating profit (loss)9901€29k€38k▲
Financial income75/76B-€2
Recurring financial income75-€2
Financial charges65/66B€935€890▼
Recurring financial charges65€935€890▼
Profit (loss) for the period before taxes9903€28k€37k▲
Income taxes67/77€7k€8k▲
Profit (loss) for the period9904€22k€28k▲
Profit (loss) for the period to be appropriated9905€22k€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€22k€28k▲
Transfer to equity691/2€22k€28k▲
To other reserves6921€22k€28k▲
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €28k ▲30.5%
Operating result €38k, net result €28k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 7.35
Current ratio from 3.46 to 7.35; short-term debt falls from €18k to €12k.
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €11k ▼36.7%
Net result drops to €11k, the lowest in the series; recovery starts the following year.
05-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro 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, Kapellen · 1 establishment unit since 2022
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.
Haagdoornlaan 142950 KapellenGround area
2,509 m²
Building footprint
425 m²
Volume, LiDAR
2,411 m³
Parcel 11902E0240/00R000, Flanders · tallest building 19.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Waved
since 20222.335.426.141
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11902E0240/00R000 | Flanders | 2,509 m² | 1 · 425 m² | 19.8 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
2022 to 2025 · 3 entries · 3,339 EUR awarded · 3,339 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,730 EUR | 1,730 EUR |
| 2023 | 1 | 903 EUR | 903 EUR |
| 2022 | 1 | 706 EUR | 706 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 30,000 companies in sector 62200 we hold annual accounts for 18,394. 15,589 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-05-2022
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
82990Other business support services
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.buddi.be
E-mail:angelica@buddi.be