Cloud Holding
ActiveCloud Holding has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5.70M and a net result of €488k. Equity is growing by ~9.9% per year across the filed fiscal years. Its solvency ranks better than 56% of 2685 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
70
/ 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
Profitability49▼-1
Solvency79▲+7
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €390k at 30 days acceptable
Liquidity short (current ratio 0.17 against 0.89 in 2024; short-term debt: 5.5% and cash: 0.8% of total assets), and 46.2% 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
53.8%
Return on assets
4.6%
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 13-07-2026, 18 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
18 d early
2024
38 d early
2023
30 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, abbreviated schema
Equity
€5.70M▲ 9.4%
2024 · €5.21M
2023: €4.66M
2024: €5.21M
2023 → 2025
Total assets
€10.59M▼ 3.5%
2024 · €10.98M
2023: €10.40M
2024: €10.98M
2023 → 2025
Net result
€488k▼ 10.5%
2024 · €546k
2023: €13k
2024: €546k
2023 → 2025
Working capital
€-486k▼ 703%
2024 · €-60k
2023: €-456k
2024: €-60k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€4.66M-€5.21M▲ 11.7%€5.70M▲ 9.4%
Operating result€59k-€253k▲ 331%€171k▼ 32.4%
Net result€13k-€546k▲ 4,253%€488k▼ 10.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 32% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €10.59M
Fixed assets
€10.49M=
Current assets
€99k▼ 79.7%
Equity and liabilities €10.59M
Equity
€5.70M▲ 9.4%
Debt
€4.90M▼ 15.2%
The debt ratio falls from 52.6% to 46.2%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
53.8%▲
2024 · 47.4%
Current ratio
0.17▼
2024 · 0.89
Quick ratio
0.17▼
2024 · 0.89
Debt / equity
0.86▼
2024 · 1.11
ROE
8.6%▼
2024 · 10.5%
ROA
4.6%▼
2024 · 5.0%
Debt
€4.90M▼
2024 · €5.77M
Debt ≤ 1 year
€585k▲
2024 · €549k
Debt > 1 year
€4.31M▼
2024 · €4.87M
Income taxes
€16k▼
2024 · €35k
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€10.98M€10.59M▼
Fixed assets21/28€10.49M€10.49M=
Financial fixed assets28€10.49M€10.49M=
Current assets29/58€488k€99k▼
Amounts receivable after more than one year29€14k€14k=
Other amounts receivable291€14k€14k=
Amounts receivable within one year40/41€400k€0▼
Trade receivables40€400k€0▼
Cash at bank and in hand54/58€74k€85k▲
Deferred charges and accrued income490/1€13€363▲
Equity and liabilities
Total equity and liabilities10/49€10.98M€10.59M▼
Equity10/15€5.21M€5.70M▲
Contributions10/11€4.65M€4.65M=
Profit (loss) carried forward14€558k€1.05M▲
Amounts payable17/49€5.77M€4.90M▼
Amounts payable after more than one year17€4.87M€4.31M▼
Financial debts170/4€4.87M€4.31M▼
Amounts payable within one year42/48€549k€585k▲
Current portion of amounts payable after more than one year42€497k€512k▲
Trade debts44€6k€7k▲
Suppliers440/4€6k€7k▲
Taxes, remuneration and social security45€46k€66k▲
Taxes450/3€46k€66k▲
Accrued charges and deferred income492/3€360k€3k▼
Income statement
Code20242025
Other operating charges640/8€590€1k▲
Gross operating margin9900€254k€172k▼
Operating profit (loss)9901€253k€171k▼
Financial income75/76B€442k€441k▼
Recurring financial income75€442k€441k▼
Financial charges65/66B€114k€108k▼
Recurring financial charges65€114k€108k▼
Profit (loss) for the period before taxes9903€581k€504k▼
Income taxes67/77€35k€16k▼
Profit (loss) for the period9904€546k€488k▼
Profit (loss) for the period to be appropriated9905€546k€488k▼
Appropriation of the result
Profit (loss) to be appropriated9906€558k€1.05M▲
Profit (loss) brought forward from the previous period14P€13k€558k▲
The notes to these accounts (13 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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2023net €546k ▲4253%
Operating result €253k, net result €546k, both a record.
31-12
Financial
Equity above €5MEq €5.21M ▲11.7%
2 profitable years in a row build equity to €5.21M.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated 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, Antwerpen · 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.
Delacenseriestraat 142018 AntwerpenGround area
839 m²
Parcel 11808H1129/08_000, Flanders. Linked by address, not a title deed.
1 establishment unit
Cloud Holding
since 20232.347.689.713
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11808H1129/08_000 | Flanders | 839 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
DAVINSI LABS
BE 0550.853.793
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URBANTZ
BE 0635.807.680
Elsene · Eq €5.75M
YIELDS
BE 0674.499.495
Gent · Eq €5.77M
KOWIFRA
BE 0438.139.991
Bilzen-Hoeselt · Eq €5.61M
AVERNA
BE 0464.745.113
Hasselt · Eq €5.79M
Of 16,886 companies in sector 62100 we hold annual accounts for 8,776. 1,193 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-07-2023
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
62020IT consultancy
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
73110Advertising agencies
95100Repair and maintenance of computers and communication equipment
95110Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.