Ciphera
ActiveCiphera has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €13k and a net result of €10k. Its solvency ranks better than 52% of 17022 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability98
Solvency87
Growth-
Track record67
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 2.36; short-term debt: 38.5% and cash: 15.9% of total assets), and 38.5% 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+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 · Young company
A young company has little track record yet and statistically fails more often than an established one.
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
61.5%
Return on assets
49.6%
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 30-06-2026, 31 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
31 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€13k
Total assets
€21k
Net result
€10k
Working capital
€11k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €21k
Fixed assets
€2k
Current assets
€19k
Equity and liabilities €21k
Equity
€13k
Debt
€8k
Debt finances 38.5% of the balance-sheet total.
Key figures and ratios
EBITDA
€19k
Cash flow
€10k
Solvency
61.5%
Current ratio
2.36
Quick ratio
2.36
Debt / equity
0.63
ROE
80.5%
ROA
49.6%
Interest coverage
5.79
Debt
€8k
Debt ≤ 1 year
€8k
Income taxes
€5k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€21k
Fixed assets21/28€2k
Tangible fixed assets22/27€2k
Furniture and vehicles24€2k
Financial fixed assets28€200
Current assets29/58€19k
Amounts receivable within one year40/41€15k
Trade receivables40€7k
Other amounts receivable41€8k
Cash at bank and in hand54/58€3k
Deferred charges and accrued income490/1€337
Equity and liabilities
Total equity and liabilities10/49€21k
Equity10/15€13k
Contributions10/11€3k
Reserves13€10k
Distributable reserves133€10k
Amounts payable17/49€8k
Amounts payable within one year42/48€8k
Trade debts44€3k
Suppliers440/4€3k
Taxes, remuneration and social security45€5k
Taxes450/3€5k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€85
Other operating charges640/8€2k
Gross operating margin9900€21k
Operating profit (loss)9901€19k
Financial income75/76B€15
Recurring financial income75€15
Financial charges65/66B€3k
Recurring financial charges65€3k
Profit (loss) for the period before taxes9903€16k
Income taxes67/77€5k
Profit (loss) for the period9904€10k
Profit (loss) for the period to be appropriated9905€10k
Appropriation of the result
Profit (loss) to be appropriated9906€10k
Transfer to equity691/2€10k
To other reserves6921€10k
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
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, Machelen (Brab.) · 1 establishment unit since 2024
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.
De Kleetlaan 21831 Machelen (Brab.)Ground area
9,429 m²
Building footprint
2,601 m²
Volume, LiDAR
56,695 m³
Parcel 23015B0161/00A006, Flanders · tallest building 30.5 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
Ciphera
since 20242.363.791.713
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23015B0161/00A006 | Flanders | 9,429 m² | 1 · 2,601 m² | 30.5 m · 8 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.
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Of 16,886 companies in sector 62100 we hold annual accounts for 8,777. 4,963 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-09-2024
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
62020IT consultancy
62030Computer programming, consultancy and related activities
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.