BUSINESS EN COMPUTER TECHNOLOGY SERVICES
ActiveSummary
BUSINESS EN COMPUTER TECHNOLOGY SERVICES has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1k and a net result of €26k. Equity is growing by ~24.9% per year across the filed fiscal years. Its solvency ranks better than 15% of 17043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+92
Solvency35▲+35
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Four 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 →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 17043 sector peers (2025).
NBB · sector comparisonPosition among 17043 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
24 d late
2024
27 d late
2023
61 d late
2022
107 d late
2021
92 d late
2020
88 d late
2019
87 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€22k
EBIT margin
65.6%
Net result
€26k
2024 · €-745
2018: €14k
2019: €2k
2020: €10k
2021: €6k
2022: €23k
2023: €-5k
2024: €-745
2018 → 2025
Working capital
€456
2024 · €-26k
2018: €-61k
2019: €-59k
2020: €-49k
2021: €-42k
2022: €-20k
2023: €-25k
2024: €-26k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-41k-€-19k▲ 54.8%€-24k▼ 27.4%€-25k▼ 3.1%€1k
Operating result€12k-€23k▲ 89.1%€-5k€-582▲ 88.3%€32k
Net result€6k-€23k▲ 255%€-5k€-745▲ 85.5%€26k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €32k after a loss of €582 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €14k
Fixed assets
€995 ▼ 11.8%
Current assets
€13k ▲ 74.7%
Equity and liabilities €14k
Equity
€1k
Debt
€13k
Debt finances 90.0% of the balance-sheet total.
Key figures and ratios
EBITDA
€32k▲
2024 · €-448
Cash flow
€26k▲
2024 · €-612
Current ratio
1.04▲
2024 · 0.23
Debt to equity
8.95▲
2024 · -1.36
ROA
180.4%▲
2024 · -8.4%
Interest coverage
89.06▲
2024 · -2.75
Debt ≤ 1 year
€13k▼
2024 · €33k
Income taxes
€7k
A ratio outside any meaningful range has been withheld (balance sheet total €14k, equity €1k).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€9k€14k▲
Fixed assets21/28€1k€995▼
Tangible fixed assets22/27€378€245▼
Furniture and vehicles24€378€245▼
Financial fixed assets28€750€750=
Current assets29/58€8k€13k▲
Amounts receivable within one year40/41€5k€11k▲
Trade receivables40€3k€10k▲
Other amounts receivable41€2k€2k▲
Cash at bank and in hand54/58€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€9k€14k▲
Equity10/15€-25k€1k▲
Contributions10/11€6k€6k=
Reserves13€24k€24k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€22k€22k=
Profit (loss) carried forward14€-54k€-28k▲
Amounts payable17/49€33k€13k▼
Amounts payable within one year42/48€33k€13k▼
Trade debts44€31k€6k▼
Suppliers440/4€31k€6k▼
Taxes, remuneration and social security45-€7k
Taxes450/3-€7k
Other amounts payable47/48€3k€205▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€133€133=
Other operating charges640/8-€425
Gross operating margin9900€-448€33k▲
Operating profit (loss)9901€-582€32k▲
Financial income75/76B-€767
Recurring financial income75-€767
Non-recurring financial income76B-€767
Financial charges65/66B€163€363▲
Recurring financial charges65€163€363▲
Profit (loss) for the period before taxes9903€-745€33k▲
Income taxes67/77-€7k
Profit (loss) for the period9904€-745€26k▲
Profit (loss) for the period to be appropriated9905€-745€26k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-54k€-28k▲
Profit (loss) brought forward from the previous period14P€-54k€-54k▼
The notes to these accounts (5 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
31-12
Financial
Back to profitnet €26k
Net result €26k after 2 loss-making years.
31-12
Financial
Liquidity quadruplescurrent ratio 1.04
Current ratio from 0.23 to 1.04; short-term debt falls from €33k to €13k.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Weakest financial yearnet €-5k ▼123%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
15-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 107 days late
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 92 days late
2021
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 88 days late
2020
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 87 days late
28-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 181 days late
2019
28-02
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 212 days late
28-02
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 577 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Leuven · 1 establishment unit since 1998
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.
Grauwmeer 1/383001 LeuvenGround area
2,588 m²
Parcel 24514B0181/00Z000, Flanders. Linked by address, not a title deed.
1 establishment unit
BUSINESS & COMPUTER TECHNOLOGY SERVICES
since 19982.086.397.051
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24514B0181/00Z000 | Flanders | 2,588 m² | - | - |
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.
Similar companies · same sector, comparable size
Almanax
BE 0639.968.188
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OPEN TECH HIVE
BE 0647.987.912
Turnhout · Eq €1,436
CROSSNODE
BE 0558.894.697
Liège · Eq €1,468
I.A. CONSULTING
BE 0761.512.752
Ukkel · Eq €1,473
MORPHO BLUE
BE 0660.622.854
Dinant · Eq €1,422
Of 16,884 companies in sector 62100 we hold annual accounts for 8,775. 1,239 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded08-04-1998
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.