Converseo
ActiveThe computed 12-month bankruptcy probability of Converseo is 1.6% (moderate). The 2025 annual accounts show negative equity (€-56k) and a net result of €-38k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 10331 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
25
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.11 against 0.12 in 2024; short-term debt: 197.5% and cash: 14.7% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-116.9%
Return on assets
-79.7%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-56k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 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
12 d late
2024
13 d early
2023
4 d late
2022
38 d early
2021
21 d early
2020
32 d early
2019
42 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
€-56k▼ 214%
2024 · €-18k
2018: €41k
2019: €48k
2020: €60k
2021: €35k
2022: €44k
2023: €47k
2024: €-18k
2018 → 2025
Total assets
€48k▼ 2.4%
2024 · €49k
2018: €192k
2019: €194k
2020: €191k
2021: €152k
2022: €135k
2023: €119k
2024: €49k
2018 → 2025
Net result
€-38k▲ 41.0%
2024 · €-64k
2018: €12k
2019: €7k
2020: €12k
2021: €-24k
2022: €9k
2023: €3k
2024: €-64k
2018 → 2025
Working capital
€-84k▼ 114%
2024 · €-39k
2018: €2k
2019: €-5k
2020: €14k
2021: €-3k
2022: €17k
2023: €23k
2024: €-39k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€35k-€44k▲ 24.8%€47k▲ 5.8%€-18k€-56k▼ 214%
Operating result€-23k-€13k€2k▼ 88.1%€-64k€-37k▲ 41.7%
Net result€-24k-€9k€3k▼ 70.8%€-64k€-38k▲ 41.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €37k in 2025 against €64k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €48k
Fixed assets
€37k▼ 13.7%
Current assets
€10k▲ 85.7%
Key figures and ratios
EBITDA
€-31k▲
2024 · €-44k
Cash flow
€-32k▲
2024 · €-44k
Solvency
-116.9%▼
2024 · -36.3%
Current ratio
0.11▼
2024 · 0.12
Quick ratio
0.11▼
2024 · 0.12
Debt / equity
-1.86▲
2024 · -3.75
ROA
-79.7%▲
2024 · -131.9%
Interest coverage
-62.52▲
2024 · -66.52
Debt
€103k▲
2024 · €67k
Debt ≤ 1 year
€94k▲
2024 · €45k
Debt > 1 year
€7k▼
2024 · €20k
Income taxes
€140▲
2024 · €-324
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€49k€48k▼
Fixed assets21/28€43k€37k▼
Tangible fixed assets22/27€43k€37k▼
Land and buildings22€36k€33k▼
Furniture and vehicles24€7k€4k▼
Financial fixed assets28€60€60=
Current assets29/58€6k€10k▲
Amounts receivable within one year40/41€2k€468▼
Trade receivables40€733€133▼
Other amounts receivable41€916€335▼
Cash at bank and in hand54/58€1k€7k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€49k€48k▼
Equity10/15€-18k€-56k▼
Contributions10/11€19k€19k=
Reserves13€19k€19k=
Distributable reserves133€19k€19k=
Profit (loss) carried forward14€-55k€-93k▼
Amounts payable17/49€67k€103k▲
Amounts payable after more than one year17€20k€7k▼
Financial debts170/4€20k€7k▼
Amounts payable within one year42/48€45k€94k▲
Current portion of amounts payable after more than one year42€12k€13k▲
Trade debts44-€213
Suppliers440/4-€213
Taxes, remuneration and social security45€2k€2k=
Taxes450/3€2k€2k=
Other amounts payable47/48€30k€79k▲
Accrued charges and deferred income492/3€2k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€6k▼
Other operating charges640/8€1k€1k▲
Non-recurring operating charges66A€250-
Gross operating margin9900€-42k€-30k▲
Operating profit (loss)9901€-64k€-37k▲
Financial income75/76B€4€9▲
Recurring financial income75€4€9▲
Financial charges65/66B€655€503▼
Recurring financial charges65€655€503▼
Profit (loss) for the period before taxes9903€-65k€-38k▲
Income taxes67/77€-324€140▲
Profit (loss) for the period9904€-64k€-38k▲
Profit (loss) for the period to be appropriated9905€-64k€-38k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-55k€-93k▼
Profit (loss) brought forward from the previous period14P€9k€-55k▼
The notes to these accounts (12 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
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 12 days late
2025
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-64k ▼2617%
Net result drops to €-64k, the lowest in the series; recovery starts the following year.
04-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 4 days late
2023
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
10-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
19-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-06
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, Leuven · 1 establishment unit since 2016
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.
Spaanse-Burchtlaan 23000 LeuvenGround area
689 m²
Building footprint
118 m²
Volume, LiDAR
776 m³
Parcel 24514A0139/00S028, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Converseo
since 20162.254.681.757
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24514A0139/00S028 | Flanders | 688 m² | 1 · 118 m² | 9.2 m · 2 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
IZTEX
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MOONSTRUCK
BE 1017.052.819
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Rochefort Economie Locale Associative Interactive Solidaire coopérative
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Rochefort · Eq €46k
Of 12,959 companies in sector 47120 we hold annual accounts for 2,190. 1,508 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-02-2016
Fiscal year end31-12
Activities, NACEBEL
47120Other non-specialised retail sale
47910Retail trade
46190Agents in non-specialised wholesale trade
73110Advertising agencies
73200Market research and public opinion polling
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.