Equity
€49,363 ▲ 200%
CraftWare paid out €37,500 in dividends. That is 53% of the 2025 profit.
CraftWare
Overview
Lifetime
2 annual accounts with figures on one time axispeak €89,437 (2025)
€89,437▲ 224%
peak €70,424 (2025)
€70,424▲ 242%
peak €49,363 (2025)
€49,363▲ 200%
€57,173▲ 210%
Board1 name since 2024
1 directorBERTRAND Antoine Luc Edouard
Documentsfilings and deeds
21-08-202621 days late
2025micro format
Gross margin from €27,567 to €89,437Result from €20,582 to €70,424Dividend €37,500Equity from €16,439 to €49,363Debts from €18,453 to €57,173Cash from €21,139 to €90,483
Key points
from the 2025 annual accountsTurnover
≈ €210,000 estimated
The micro format states no turnover.
Investments
€7,030 6.3 × depreciation
Green is investment, beige is depreciation.
2025 accounts filed 21 days after the deadline
Checked score
96
Excellent
Financially stronger than 68% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,932 companies (NACE 62, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
08-2025: 0.4%highest value
09-2025: < 0.1%▼ -0.4 percentage points vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: 0.1%▲ +0.1 percentage points vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: < 0.1%▼ -0.1 percentage points vs 08-2026lowest value
10-2026: < 0.1%● unchanged vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Founded in 2024
lowers risk
Sector: Computer programming, consultancy and related activities (NACE 62)
Liquidity: current ratio 1.76, cash €90,483
Size: total assets €106,536
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro). It does better than 40% of them on solvency, 56% on liquidity, 82% on profitability and 95% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as CraftWare has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of CraftWare itself is lower: < 0.1% within 12 months. It rests on far more data about CraftWare than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for CraftWare. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €4,500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.76 (2.02 in 2024), above the usual 1.5. Short-term debt is 53.7% and cash 84.9% of total assets. However, 53.7% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 21 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 2 filingsDeviation from the deadline
2025
21 days late
2024
25 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 23 days after the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1011104739
Incorporation
Founding capital of €3,000, 100 shares · Founder: BERTRAND Antoine Luc Edouard (comparant) · Appointment: BERTRAND Antoine Luc Edouard (director) · published on 05-07-2024 · Gazette deed
First establishment
CraftWare SRL, Rue des Ecoles 74, Liège
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CraftWare Liège | €106,536 | €89,437 | 46.3% | - |
| CLAPPS Liège | €101,262 | €82,908 | 97.6% | - |
| Modelio Liège | €98,844 | €84,344 | 95.2% | - |
| Quantum Nexus Solutions La Louvière | €107,991 | €93,915 | 71.4% | - |
| FineTuned Mont-Saint-Guibert | €109,929 | €93,572 | 91.8% | - |
| DSE SOLUTIONS Antwerp | €100,578 | €92,941 | 86.6% | - |
| VARETO CONSULTING Lievegem | €107,467 | €83,340 | 82.7% | - |
These companies have the same main activity as CraftWare: computer programming (NACE 62100). They are comparable in size and age: total assets between €98,800 and €110,000, founded in 2024.
Official details
Source: KBO- Status
- Active since 03-07-2024Normal situation
- Activity
- Computer programmingNACE 62100and 4 others
- Establishment unit
- 2.361.340.5814031 Liège, since 03-07-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 06-11-2025
Annual accounts 2025
- €89,437▲ 224%
- €70,424▲ 242%
- €49,363▲ 200%
- €106,536▲ 205%
- Filing
- Filed on 21-08-2026
Insights on CraftWare
CraftWare has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €49,363 and a net result of €70,424.
Its solvency ranks better than 38% of 21,208 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 21-08-2026, 21 days late€89,437
▲ 224%
€88,314
▲ 241%
€70,424
▲ 242%
€43,455
▲ 146%
46.3%
▼ 0.8 percentage points
1.76
▼ 0.26
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €210,000. Estimated: probably between €170,000 and €270,000.
Balance sheet
balance sheet total €106,536 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
46.3%
Higher than 38% of 21,208 companies in 2025.
1.76
Higher than 38% of 20,571 companies in 2025.
66.1%
Higher than 93% of 20,746 companies in 2025.
CraftWare
Middle half of the sector
80% of the sector
Micro accounts in computer programming and consultancy (NACE 62)
Net result: top quarter · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
106,536 | 34,892 | |
21/28 |
5,908 | - | |
22/27 |
5,908 | - | |
24 |
3,276 | - | |
26 |
2,632 | - | |
29/58 |
100,629 | 34,892 | |
40/41 |
10,145 | 13,753 | |
40 |
9,432 | 13,039 | |
41 |
713 | 713 | |
54/58 |
90,483 | 21,139 | |
| Balance sheet: equity and liabilities | |||
10/49 |
106,536 | 34,892 | |
10/15 |
49,363 | 16,439 | |
10/11 |
3,000 | 3,000 | |
14 |
46,363 | 13,439 | |
17/49 |
57,173 | 18,453 | |
42/48 |
57,173 | 17,253 | |
44 |
2,758 | 638 | |
440/4 |
2,758 | 638 | |
45 |
16,336 | 8,052 | |
450/3 |
14,284 | 6,174 | |
454/9 |
2,052 | 1,878 | |
47/48 |
38,079 | 8,563 | |
492/3 |
- | 1,200 | |
| Income statement | |||
9900 |
89,437 | 27,567 | |
630 |
1,122 | 1,680 | |
9901 |
88,314 | 25,887 | |
75/76B |
10 | - | |
75 |
10 | - | |
65/66B |
91 | 19 | |
65 |
91 | 19 | |
9903 |
88,233 | 25,868 | |
67/77 |
17,809 | 5,287 | |
9904 |
70,424 | 20,582 | |
9905 |
70,424 | 20,582 | |
| Appropriation of the result | |||
9906 |
83,863 | 20,582 | |
14P |
13,439 | - | |
694/7 |
37,500 | 7,143 | |
694 |
37,500 | 7,143 | |
| Document | |||
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 21-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 21 days after the deadline. Filed on 21 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00419702.
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| 89,437 | 27,567 | ||
| 71,547 | 22,261 | ||
| 7,030 | - | ||
| 69,344 | - | ||
| 43,455 | 17,639 | ||
| 46.3% | 47.1% | ||
| 1.76 | 2.02 | ||
| 1.16 | 1.12 | ||
| 142.7% | 125.2% | ||
| 66.1% | 59.0% | ||
| over 100 | over 100 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 | 2024 |
|---|---|---|
| Tangible fixed assets | €7,030 | - |
| €1,122 | €1,680 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Insights on CraftWare
The operating result for 2025 is 3.4 times that of 2024.
Debt's share of the balance-sheet total rises from 52.9% to 53.7%. Equity and debt are higher.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
since 03-07-2024
term without a fixed end
listed in the 2025 annual accounts, filed on 21-08-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 05-07-2024
Mandates through the years
1 name, the dashed line is todayBERTRAND Antoine Luc Edouard
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- BERTRAND Antoine Luc Edouard
- Director (not named in the articles), from 03-07-2024 to date
Control
Capital
- Contribution
- €3,000
- Shares
- 100
- Contribution per share
- €30
- Equity per share
- €494 in 2025
- Source
- deed of 05-07-2024
Articles of association
deed of 05-07-2024 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Financial yearThe company draws up its annual accounts over this twelve-month period.
- From 1 July to 30 June
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of June at 18:00
Shareholders
At incorporation
deed of 05-07-2024 ↗
- BERTRAND Antoine Luc Edouard 100 shares (100%) · €3,000 in cash
Network & group
No group
CraftWare has no parent and no holdings in its annual accounts. BERTRAND Antoine Luc Edouard is the only director. CraftWare shares no director with another company.
At the same address
Rue des Ecoles 74, 4031 Liège · 1 other company| Fueyo-Rodriguez, Belinda (sole trader)
establishment since 01-02-2018 |
founded in 2018 0688.772.056 |
Timeline
Timeline
5 events since 2024Filings
Establishments
202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 21 days late
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1011104739
Annual accounts 2024 filed NBBmicro format · 25 days late
2024
IncorporationFounding capital of €3,000, 100 shares · Founder: BERTRAND Antoine Luc Edouard (comparant) · Appointment: BERTRAND Antoine Luc Edouard (director) · published on 05-07-20245 points ▸
- Founder, BERTRAND Antoine Luc Edouard (comparant)
- Founding capital, €3,000, 100 shares
- Registered office clause, Rue des Ecoles 74, 4031 Liège (Angleur)
- Board rule, 1
- Director appointment, BERTRAND Antoine Luc Edouard (director (not named in the articles))
- The deed holds 3 more points.
First establishment CraftWare SRL, Rue des Ecoles 74, Liège
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
CraftWare was incorporated on 3 July 2024 as a private limited company by one natural person, with a starting capital of €3,000.12 Since 2024, BERTRAND Antoine Luc Edouard has served as director.3 The company has filed 2 sets of annual accounts, the latest for financial year 2025.3
Company details
Identity
- Enterprise number
- 1011.104.739
- VAT number
- BE 1011.104.739
- Peppol ID
- 0208:1011104739
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 03-07-2024
- Financial yearThe company draws up its annual accounts over this twelve-month period.
- From 1 July to 30 Junedeed of 05-07-2024 (in French)
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of June at 18:00deed of 05-07-2024 (in French)
- Peppol
- Reachable since 06-11-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- CraftWare in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 05-07-2024 (in French)
Activities
NACEBEL 202562100
Computer programming main activity
Codes under NACEBEL 2008
62010
Computer programming, consultancy and related activities main activity
58290
Publishing activities
62020
IT consultancy
62030
Computer programming, consultancy and related activities
62090
Computer programming, consultancy and related activities
74103
Other professional, scientific and technical activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “La formation à tous systèmes d'exploitation et technologies de l'informatique et de communications; La consultance en produits informatiques…”deed of 05-07-2024 (in French)
18 activities
- La formation à tous systèmes d'exploitation et technologies de l'informatique et de communications
- La consultance en produits informatiques et solutions en télécommunications
- Le support pour solutions informatiques et solutions en télécommunications
- L'installation des solutions informatiques et solutions en télécommunications
- Le développement de produits informatiques et solutions en télécommunications
- L'audit et l'expertise de solutions informatiques et de solutions en télécommunications
- La vente,location,maintenance et réparation de matériel informatique et solutions réseaux
- Le traitement de données,hébergement et activités connexes
- L'étude et la réalisation de systèmes embarqués
- Prise de vues photographiques et vidéo
- Toutes les activités liées au recrutement
- La société pourra faire toutes opérations industrielles,commerciales,financières,mobilières ou immobilières ayant un rapport même indirect avec son objet
- A titre accessoire,la constitution,la gestion et la valorisation d'un patrimoine mobilier et immobilier,notamment par l'achat,la vente,la location,la mise en location,la mise en location,la construction,le tout au sens le plus large
- Elle peut s'intéresser par voie d'association,d'apport,de fusion et d'intervention financière ou autrement dans toutes sociétés,associations ou entreprises dont l'objet est identique,analogue ou connexe au sien ou susceptible de favorises le développement de son entreprise
- Elle peut exercer les fonctions d'administrateur ou liquidateur dans d'autres sociétés
- Elle dispose,d'une manière générale,d'une pleine capacité juridique pour accomplir tous les actes et opérations ayant un rapport direct ou indirect avec son objet ou qui seraient de nature à faciliter directement ou indirectement,entièrement ou partiellement,la réalisation de cet objet
- Elle peut s'intéresser par voie d'association,d'apport,de fusion,d'intervention financière ou autrement dans toutes sociétés,associations ou entreprises dont l'objet est identique,analogue ou connexe au sien ou susceptible de favoriser le développement de son entreprise ou de constituer pour elle une source de débouchés
- Au cas où la prestation de certains actes serait soumise à des conditions préalables d'accès à la profession,la société subordonnera son action,en ce qui concerne la prestation de ces actes,à la réalisation de ces conditions
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| CraftWare SRL registered office Rue des Ecoles 74, 4031 Liège | 03-07-2024 | 2.361.340.581 |
Buildings and parcels at the address
- Ground area
- 159 m²
- Buildings
- 47 m²
- Volume, LiDAR
- 460 m³
- Tallest building
- 10.6 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 62002B0204/00C002 | 159 m² | 1 · 47 m² | 10.6 m · 3 |
Contact
E-mail
antoine@craftware.be