BY-SYSTEMS
ActiveBY-SYSTEMS has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €91k and a net result of €17k. Its solvency ranks better than 95% of 17022 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▼-14
Solvency100▲+15
Growth56
Track record94
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 26.46 against 2.47 in 2024; short-term debt: 3.7% and cash: 32.7% of total assets), and 3.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
96.3%
Return on assets
17.7%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
1 d early
2024
2 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close22-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Turnover
€225k▲ 9.1%
2024 · €206k
2024: €206k
2024 → 2025
EBIT margin
13.6%▼ 12.9pp
2024 · 26.5%
2024: 26.5%
2024 → 2025
Net result
€17k▼ 69.1%
2024 · €54k
2024: €54k
2024 → 2025
Working capital
€89k▲ 22.7%
2024 · €72k
2024: €72k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Turnover€206k-€225k▲ 9.1%
Equity€74k-€91k▲ 22.6%
Operating result€55k-€31k▼ 44.2%
Net result€54k-€17k▼ 69.1%
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 44% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €95k
Fixed assets
€2k▲ 17.8%
Current assets
€92k▼ 24.0%
Equity and liabilities €95k
Equity
€91k▲ 22.6%
Debt
€3k▼ 92.9%
The debt ratio falls from 39.7% to 3.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€32k▼
2024 · €55k
Cash flow
€18k▼
2024 · €54k
Solvency
96.3%▲
2024 · 60.3%
Current ratio
26.46▲
2024 · 2.47
Quick ratio
26.46▲
2024 · 2.47
Debt / equity
0.04▼
2024 · 0.66
ROE
18.4%▼
2024 · 73.1%
ROA
17.7%▼
2024 · 44.1%
Interest coverage
35.01▼
2024 · 340.12
Debt
€3k▼
2024 · €49k
Debt ≤ 1 year
€3k▼
2024 · €49k
Income taxes
€16k
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€124k€95k▼
Fixed assets21/28€2k€2k▲
Tangible fixed assets22/27€2k€2k▲
Furniture and vehicles24€2k€2k▲
Current assets29/58€121k€92k▼
Amounts receivable within one year40/41€10k€43k▲
Trade receivables40-€43k
Other amounts receivable41€10k€12▼
Cash at bank and in hand54/58€112k€31k▼
Deferred charges and accrued income490/1-€18k
Equity and liabilities
Total equity and liabilities10/49€124k€95k▼
Equity10/15€74k€91k▲
Contributions10/11€20k€20k=
Reserves13€20k€20k=
Distributable reserves133€20k€20k=
Profit (loss) carried forward14€34k€51k▲
Amounts payable17/49€49k€3k▼
Amounts payable within one year42/48€49k€3k▼
Trade debts44€49k€2k▼
Suppliers440/4€49k€2k▼
Taxes, remuneration and social security45-€1k
Taxes450/3-€1k
Other amounts payable47/48-€356
Income statement
Code20242025
Turnover70€206k€225k▲
Goods, raw materials, services and sundry goods60/61€150k€193k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2€1k▲
Other operating charges640/8€2k€448▼
Gross operating margin9900€56k€32k▼
Operating profit (loss)9901€55k€31k▼
Financial income75/76B€0€3k▲
Recurring financial income75€0€3k▲
Financial charges65/66B€161€906▲
Recurring financial charges65€161€906▲
Profit (loss) for the period before taxes9903€54k€33k▼
Income taxes67/77-€16k
Profit (loss) for the period9904€54k€17k▼
Profit (loss) for the period to be appropriated9905€54k€17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€54k€51k▼
Profit (loss) brought forward from the previous period14P-€34k
Transfer to equity691/2€20k-
To other reserves6921€20k-
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
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Liquidity times 11current ratio 26.46
Current ratio from 2.47 to 26.46; short-term debt falls from €49k to €3k.
2024
29-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Anderlecht · 1 establishment unit since 2023
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.
Charles Plisnierlaan 131070 AnderlechtGround area
166 m²
Building footprint
63 m²
Volume, LiDAR
668 m³
Parcel 21001A0102/00R002, Brussels · tallest building 14.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
BY-SYSTEMS
since 20232.344.354.891
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21001A0102/00R002 | Brussels | 166 m² | 1 · 63 m² | 14.9 m · 4 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.
Similar companies · same sector, comparable size
IL Services
BE 0555.926.103
Geetbets · Eq €91k
CANW Client Solutions
BE 0800.234.459
Zele · Eq €91k
LISTO CONSULTING
BE 0760.952.231
Gent · Eq €91k
Verto Group
BE 0565.969.462
Hemiksem · Eq €91k
Le Alchimie
BE 0654.729.313
Etterbeek · Eq €91k
Of 30,000 companies in sector 62200 we hold annual accounts for 18,394. 15,595 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-04-2023
Fiscal year end31-03
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
43211General electrical installation work
46500Wholesale of information and communication equipment
46510Wholesale trade
62010Computer programming, consultancy and related activities
62100Computer programming
71121Engineering and related technical consultancy, excluding land surveyors
77330Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.