CONTEXT+
ActiveCONTEXT+ has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €37k and a net result of €4k. Equity is growing by ~11.3% per year across the filed fiscal years. Its solvency ranks better than 65% of 17022 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▼-17
Solvency98▼-2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 3.74 against 11.69 in 2024; short-term debt: 26.8% and cash: 28.8% of total assets), and 26.8% 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○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
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
73.2%
Return on assets
7.6%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 15-12-2025, 47 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
47 d early
2024
1 d early
2023
23 d early
2022
6 d late
2021
40 d early
2020
41 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€37k▲ 11.5%
2024 · €33k
2019: €20k
2020: €22k
2021: €17k
2022: €21k
2023: €25k
2024: €33k
2019 → 2025
Total assets
€51k▲ 39.3%
2024 · €36k
2019: €50k
2020: €37k
2021: €38k
2022: €37k
2023: €35k
2024: €36k
2019 → 2025
Net result
€4k▼ 50.1%
2024 · €8k
2019: €-373
2020: €2k
2021: €-5k
2022: €4k
2023: €4k
2024: €8k
2019 → 2025
Working capital
€37k▲ 11.5%
2024 · €33k
2019: €13k
2020: €19k
2021: €13k
2022: €17k
2023: €23k
2024: €33k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€17k-€21k▲ 26.0%€25k▲ 21.2%€33k▲ 30.1%€37k▲ 11.5%
Operating result€-3k-€6k€8k▲ 36.8%€11k▲ 41.3%€5k▼ 50.7%
Net result€-5k-€4k€4k▲ 2.8%€8k▲ 72.4%€4k▼ 50.1%
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 51% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €51k
Equity
€37k▲ 11.5%
Debt
€14k▲ 336%
The debt ratio rises from 8.6% to 26.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€5k▼
2024 · €13k
Cash flow
€4k▼
2024 · €10k
Solvency
73.2%▼
2024 · 91.4%
Current ratio
3.74▼
2024 · 11.69
Quick ratio
3.74▼
2024 · 11.69
Debt / equity
0.37▲
2024 · 0.09
ROE
10.4%▼
2024 · 23.2%
ROA
7.6%▼
2024 · 21.2%
Interest coverage
40.98▲
2024 · 22.51
Debt
€14k▲
2024 · €3k
Debt ≤ 1 year
€14k▲
2024 · €3k
Income taxes
€1k▼
2024 · €3k
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€36k€51k▲
Current assets29/58€36k€51k▲
Amounts receivable within one year40/41€32k€34k▲
Trade receivables40€26k€29k▲
Other amounts receivable41€6k€5k▼
Cash at bank and in hand54/58€1k€15k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€36k€51k▲
Equity10/15€33k€37k▲
Contributions10/11€15k€15k=
Profit (loss) carried forward14€18k€22k▲
Amounts payable17/49€3k€14k▲
Amounts payable within one year42/48€3k€14k▲
Trade debts44€3k€13k▲
Suppliers440/4€3k€13k▲
Other amounts payable47/48€79€79=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€0▼
Other operating charges640/8€966€2k▲
Gross operating margin9900€14k€7k▼
Operating profit (loss)9901€11k€5k▼
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€571€131▼
Recurring financial charges65€571€131▼
Profit (loss) for the period before taxes9903€10k€5k▼
Income taxes67/77€3k€1k▼
Profit (loss) for the period9904€8k€4k▼
Profit (loss) for the period to be appropriated9905€8k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€18k€22k▲
Profit (loss) brought forward from the previous period14P€10k€18k▲
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
2025
15-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Highest result since 2019net €8k ▲72.4%
Operating result €11k, net result €8k, both a record.
30-06
Financial
Liquidity triplescurrent ratio 11.69
Current ratio from 3.39 to 11.69; short-term debt falls from €10k to €3k.
08-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
06-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 6 days late
2022
30-06
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
2021
22-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Weakest financial yearnet €-5k ▼373%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
2020
21-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-06
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
25-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Oostende · 1 establishment unit since 2008
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.
Hendrik Serruyslaan 728400 OostendeGround area
288 m²
Building footprint
288 m²
Volume, LiDAR
7,450 m³
Parcel 35013A1253/00S000, Flanders · tallest building 31.2 m, ±10 floors. Linked by address, not a title deed.
1 establishment unit
CONTEXT+
since 20082.171.053.109
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35013A1253/00S000 | Flanders | 288 m² | 1 · 288 m² | 31.1 m · 10 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
AKRB Solutions
BE 0775.333.470
Elsene · Eq €37k
Tyrell Corporation
BE 0782.326.378
Sint-Gillis (bij-Brussel) · Eq €37k
g3dvise
BE 1002.856.175
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DG - Innovative
BE 0536.470.178
Kapellen · Eq €37k
ETLdonkey
BE 1026.490.622
Schaarbeek · Eq €37k
Of 16,887 companies in sector 62100 we hold annual accounts for 8,777. 6,589 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-03-2008
Fiscal year end30-06
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
58290Other software publishing
62020IT consultancy
62030Computer programming, consultancy and related activities
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
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress 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.