COLLECTION DATABASE SERVICES
ActiveSummary
COLLECTION DATABASE SERVICES has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €370k and a net result of €50k. Equity is growing by ~10% per year across the filed fiscal years. Its solvency ranks better than 68% of 17090 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability81▲+2
Solvency100▲+8
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity tight (current ratio 1.08 against 0.82 in 2024; short-term debt: 18.8% and cash: 4.2% of total assets), and 24.6% of the assets are financed with debt.
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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
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← 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
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
75.4%
Return on assets
10.1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 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
3 d late
2024
70 d late
2023
30 d late
2022
28 d late
2021
31 d late
2020
27 d late
2019
62 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
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Roughly what is this company worth?Value indication
Financials · fiscal year 2025, micro schema
Equity
€370k▲ 11.5%
2024 · €332k
Total assets
€491k▼ 1.0%
2024 · €496k
Net result
€50k▲ 20.4%
2024 · €41k
Working capital
€7k
2024 · €-18k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€68k▲ 8.8%€65k▼ 4.7%€75k▲ 15.1%€69k▼ 7.1%€80k▲ 15.1%
Net result€40k▲ 10.4%€37k▼ 6.8%€43k▲ 16.4%€41k▼ 4.5%€50k▲ 20.4%
Equity€222k▼ 0.9%€247k▲ 11.5%€291k▲ 17.5%€332k▲ 14.2%€370k▲ 11.5%
Total assets€531k▼ 7.8%€506k▼ 4.8%€495k▼ 2.0%€496k▲ 0.1%€491k▼ 1.0%
Debt€309k▼ 12.2%€258k▼ 16.4%€205k▼ 20.7%€164k▼ 20.0%€120k▼ 26.4%
Working capital€-63k▼ 10.7%€-50k▲ 20.5%€-38k▲ 24.0%€-18k▲ 52.5%€7k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 15% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €491k
Fixed assets
€391k ▼ 5.3%
Current assets
€100k ▲ 20.1%
Equity and liabilities €491k
Equity
€370k ▲ 11.5%
Debt
€120k ▼ 26.4%
Debt's share of the balance-sheet total falls from 33.0% to 24.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€109k▲
2024 · €98k
Cash flow
€78k▲
2024 · €70k
Current ratio
1.08▲
2024 · 0.82
Quick ratio
0.73▲
2024 · 0.50
Debt to equity
0.33▼
2024 · 0.49
ROE
13.4%▲
2024 · 12.4%
ROA
10.1%▲
2024 · 8.3%
Interest coverage
18.43▲
2024 · 18.09
Debt ≤ 1 year
€92k▼
2024 · €101k
Debt > 1 year
€27k▼
2024 · €60k
Income taxes
€25k▲
2024 · €23k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €4k | - | €500 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €36k | €37k | €37k | €29k | €29k | ▼ 0.7% |
| Other operating charges640/8 | €4k | €4k | €4k | €4k | €4k | ▼ 6.5% |
| Gross operating margin9900 | €108k | €105k | €117k | €102k | €112k | ▲ 9.7% |
| Operating profit (loss)9901 | €68k | €65k | €75k | €69k | €80k | ▲ 15.1% |
| Financial income75/76B | €1 | €0 | €798 | €9 | €569 | ▲ 6,227% |
| Recurring financial income75 | €1 | €0 | €798 | €9 | €569 | ▲ 6,227% |
| Financial charges65/66B | €17k | €9k | €10k | €5k | €6k | ▲ 8.4% |
| Recurring financial charges65 | €17k | €9k | €10k | €5k | €6k | ▲ 8.4% |
| Profit (loss) for the period before taxes9903 | €51k | €56k | €66k | €64k | €74k | ▲ 16.5% |
| Income taxes67/77 | €11k | €19k | €22k | €23k | €25k | ▲ 9.5% |
| Profit (loss) for the period9904 | €40k | €37k | €43k | €41k | €50k | ▲ 20.4% |
| Profit (loss) for the period to be appropriated9905 | €40k | €37k | €43k | €41k | €50k | ▲ 20.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €531k | €506k | €495k | €496k | €491k | ▼ 1.0% |
| Fixed assets21/28 | €477k | €446k | €428k | €413k | €391k | ▼ 5.3% |
| Tangible fixed assets22/27 | €477k | €446k | €428k | €413k | €391k | ▼ 5.3% |
| Land and buildings22 | €440k | €419k | €415k | €402k | €382k | ▼ 4.9% |
| Plant, machinery and equipment23 | €17k | €15k | €13k | €11k | €9k | ▼ 19.6% |
| Furniture and vehicles24 | €21k | €11k | €741 | €194 | - | - |
| Current assets29/58 | €54k | €60k | €67k | €83k | €100k | ▲ 20.1% |
| Stocks and contracts in progress3 | €32k | €32k | €32k | €32k | €32k | = |
| Stocks30/36 | €32k | €32k | €32k | €32k | €32k | = |
| Amounts receivable within one year40/41 | €12k | €13k | €21k | €37k | €41k | ▲ 12.7% |
| Trade receivables40 | €12k | €13k | €19k | €33k | €20k | ▼ 39.0% |
| Other amounts receivable41 | - | - | €1k | €4k | €21k | ▲ 471% |
| Cash at bank and in hand54/58 | €8k | €13k | €13k | €12k | €21k | ▲ 75.3% |
| Deferred charges and accrued income490/1 | €2k | €2k | €797 | €2k | €5k | ▲ 137% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €531k | €506k | €495k | €496k | €491k | ▼ 1.0% |
| Equity10/15 | €222k | €247k | €291k | €332k | €370k | ▲ 11.5% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Reserves13 | €200k | €226k | €269k | €310k | €348k | ▲ 12.3% |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | €198k | €224k | €267k | €308k | €346k | ▲ 12.4% |
| Profit (loss) carried forward14 | €16k | €16k | €16k | €16k | €16k | = |
| Amounts payable17/49 | €309k | €258k | €205k | €164k | €120k | ▼ 26.4% |
| Amounts payable after more than one year17 | €192k | €146k | €100k | €60k | €27k | ▼ 54.5% |
| Financial debts170/4 | €186k | €139k | €93k | €53k | €21k | ▼ 61.6% |
| Other amounts payable178/9 | €6k | €7k | €7k | €7k | €7k | ▼ 1.4% |
| Amounts payable within one year42/48 | €116k | €110k | €105k | €101k | €92k | ▼ 8.6% |
| Current portion of amounts payable after more than one year42 | €50k | €49k | €49k | €38k | €31k | ▼ 18.3% |
| Financial debts43 | - | €1k | - | €2k | €8k | ▲ 309% |
| Credit institutions430/8 | - | €1k | - | €2k | €8k | ▲ 309% |
| Trade debts44 | €21k | €28k | €14k | €21k | €17k | ▼ 18.1% |
| Suppliers440/4 | €21k | €28k | €14k | €21k | €17k | ▼ 18.1% |
| Taxes, remuneration and social security45 | €19k | €19k | €32k | €39k | €24k | ▼ 39.8% |
| Taxes450/3 | €19k | €19k | €32k | €39k | €24k | ▼ 39.8% |
| Other amounts payable47/48 | €27k | €12k | €10k | - | €12k | - |
| Accrued charges and deferred income492/3 | €900 | €2k | - | €2k | €743 | ▼ 68.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €40k | €37k | €43k | €41k | €50k | ▲ 20.4% |
| + Depreciation and write-downs630 | €36k | €37k | €37k | €29k | €29k | ▼ 0.7% |
| Operating cash flow (approximation) | €76k | €74k | €81k | €70k | €78k | ▲ 11.7% |
| Investment in fixed assets (approximation) | - | €-5k | €-20k | €-13k | €-7k | ▲ 47.9% |
| Change in cash | - | €5k | €313 | €-2k | €9k | ▲ 666% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
31-12
Financial
Highest result since 2018net €50k ▲20.4%
Operating result €80k, net result €50k, both a record.
09-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 70 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
01-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 62 days late
2019
31-12
Financial
Equity above €200kEq €204k ▲6%
2 profitable years in a row build equity to €204k.
09-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 70 days late
2018
08-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 8 days late
2017
22-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Schaarbeek · 1 establishment unit since 2005
Ground area
222 m²
Building footprint
146 m²
Volume, LiDAR
1,778 m³
2 parcels, Brussels · tallest building 17.5 m, ±5 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
COLLECTION BD
since 20052.150.195.931
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21904B0469/00P003 | Brussels | 175 m² | 1 · 104 m² | 17.5 m · 5 fl. |
| 21810L2177/00C000 | Brussels | 47 m² | 1 · 42 m² | 16.8 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 30,002 companies in sector 62200 we hold annual accounts for 18,394. 13,107 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded29-11-2005
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
47621Retail sale of newspapers and periodicals
Contact
E-mail
nacho@collectionbd.comBrussel
Phone
0496/300.341Brussel
Scores and ratios are computed by Checked and are not a credit decision.