Cubby

Active

Private limited companyfounded 20241 yr activeKerkstraat 108, 9050 Gent, BelgiumKBO/BCE: BE 1017.176.246

Summary

Cubby has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €46,343 and a net result of €44,343. Its solvency ranks better than 30% of 20854 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch Report Compare

CubbyActiveChecked score 96/100

Risk analysis Report Compare

Activity

Computer programming

NACE 62100NACE 62010

1 site

Size

€135,358total assets 2025

Equity: €46,343
Profit: €44,343

Turnover not published (abridged schema)

Financial health

96 Excellent Checked score 2025

Bankruptcy chance 12 m: < 0.1%

Structure

Accounts 9 d early0 of 1 deed read

Why 96- Founded in 2024+ Sector Computer programming, consultancy and related activities (NACE 62)+ Liquidity: current ratio 29.16, cash €87,801+ Size: total assets €135,358Show the evidence

Checked score

Score 2025

96 / 100

Excellent

Probability in this band: under 0.55%

Better than 70% of its sector peers (NACE 62, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength

Strong

Solvency 59

equity 34.2% of total assets

Liquidity 100

short-term debt 2.9% · cash 64.9%

Profitability 100

return on assets 32.8%

Bankruptcy probability, 12 months

< 0.1% Very low

0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (25,832 companies)

Last 24 months 01-2026: 0.4% 02-2026: 0.4%▲ +2.1% vs 01-2026 03-2026: 0.4%● 0.0% vs 02-2026 04-2026: 0.4%▲ +3.4% vs 03-2026 05-2026: 0.4%▲ +0.5% vs 04-2026 06-2026: 0.4%▲ +11.6% vs 05-2026 07-2026: 0.5%▲ +14.2% vs 06-2026highest value 08-2026: < 0.1%▼ -92.5% vs 07-2026lowest value 09-2026: < 0.1%● 0.0% vs 08-2026lowest value 10-2026: < 0.1%● 0.0% vs 09-2026lowest value

Sector Computer programming, consultancy and related activities (NACE 62) lowers the probability
Liquidity: current ratio 29.16, cash €87,801 lowers the probability
Size: total assets €135,358 lowers the probability for this profile
Founded in 2024 raises the probability for this profile

Credit up to €4,000 at 30 days acceptable

Liquidity ample (current ratio 29.16; short-term debt: 2.9% and cash: 64.9% of total assets), but 65.8% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 62, micro). Better than this share of them on solvency 32%, liquidity 96%, profitability 82%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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