Equity
-€199,778
Debts exceed assets in financial year 2025.
CubiX
Lifetime
2 annual accounts with figures on one time axispeak €392,449 (2025)
€392,449▲ 98.3%
lowest -€226,592 (2024)
-€123,186▲ €103,406
peak -€76,592 (2024)
-€199,778▼ €123,186
€648,372▲ 160%
peak 6.1 FTE (2025)
6.1 FTE▲ 3.4%
Board1 name since 2023
1 directorCUBIHOLDING
Owners
100%CUBIHOLDING
Documentsfilings and deeds
28-08-202628 days late
2025abbreviated format
Gross margin from €197,877 to €392,449Loss of €123,186Equity from -€76,592 to -€199,778Debts from €249,585 to €648,372Investments €150,839Cash from €43,802 to €26,122
Key points
from the 2025 annual accountsLosses
-€349,778 in two years
The 2024 and 2025 financial years closed with a loss. 2024 was the heaviest.
Debts
€648,372 145% of the balance sheet
Financial debts 39%Suppliers 35%Taxes and wages 9%Other 17%
Of this, €292,236 falls due within a year.
Investments
€150,839 17.0 × depreciation
Green is investment, beige is depreciation.
At the same address
106 companies
Position in the sector
-€199,778
Less equity than 95% of companies in computer programming and consultancy. Sector median €128,324 · 3,407 companies.
2025 accounts filed 28 days after the deadline
Checked score
46
Fair
Financially stronger than 5% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
3.7% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,932 companies (NACE 62, micro).
About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.4%lowest value
01-2025: 0.4%● unchanged vs 12-2024
02-2025: 0.4%● unchanged vs 01-2025
03-2025: 0.4%● unchanged vs 02-2025
04-2025: 0.4%● unchanged vs 03-2025
05-2025: 0.4%● unchanged vs 04-2025
06-2025: 0.5%▲ +0.1 percentage points vs 05-2025
07-2025: 0.5%● unchanged vs 06-2025
08-2025: 0.5%● unchanged vs 07-2025
09-2025: 1.0%▲ +0.5 percentage points vs 08-2025
10-2025: 1.1%▲ +0.1 percentage points vs 09-2025
11-2025: 1.1%● unchanged vs 10-2025
12-2025: 1.1%● unchanged vs 11-2025
01-2026: 1.1%● unchanged vs 12-2025
02-2026: 1.1%● unchanged vs 01-2026
03-2026: 1.0%▼ -0.1 percentage points vs 02-2026
04-2026: 1.0%● unchanged vs 03-2026
05-2026: 1.0%● unchanged vs 04-2026
06-2026: 1.0%● unchanged vs 05-2026
07-2026: 1.8%▲ +0.8 percentage points vs 06-2026
08-2026: 2.4%▲ +0.6 percentage points vs 07-2026
09-2026: 3.7%▲ +1.3 percentage points vs 08-2026highest value
10-2026: 3.7%● unchanged vs 09-2026highest value
11-2026: 3.7%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
1 change of registered office in 24 months
Negative equity -€199,778
Size: 6.1 FTE, total assets €448,594
lowers risk
Sector: Computer programming, consultancy and related activities (NACE 62)
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 3% of them on solvency, 8% on liquidity, 5% on profitability and 2% 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 moderate class on 30-06-2025, 2.4% 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, 7,639 companies had the same profile as CubiX has now. Each dot stands for 20 companies, two years later.
84.8%
were still trading
5.6%
stopped another way
8.8%
went bankrupt
Another 0.8% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of CubiX itself: 3.7% within 12 months.
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 7,639 companies, not a prediction for CubiX. 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
No credit on open account
Liquidity is insufficient, with a current ratio of 0.94 (0.56 in 2024), below 1. Short-term debt is 65.1% and cash 5.8% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
2425
2024 to 2025 · latest year -€199,778
raises risk · 2025 accounts filed 28 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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
28 days late
2024
28 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 28 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
Board and ownership
- CUBIHOLDING 100%equity €836,955 (2025) · 2025 annual accounts of CUBIHOLDING
Recent changes
Registered office moved within Antwerp
New registered office: Uitbreidingstraat 66, 2600 Antwerpen · Previous registered office: Jan Van Rijswijcklaan 158, 2018 Antwerpen · Permanent representative: Michiel Steegmans · General meeting of 20-03-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1001830846
Incorporation
Founding capital of €150,000, 72,000 shares · Founder: CUBIHOLDING · Appointment: CUBIHOLDING (director) · published on 06-11-2023 · Gazette deed
First establishment
Uitbreidingstraat 66, Antwerp
Comparable companies
same main activity, similar in size and ageThese companies have the same main activity as CubiX: computer programming (NACE 62100). They are comparable in size and age: total assets between €389,000 and €681,000, founded between 2022 and 2024.
Official details
Source: KBO- Status
- Active since 31-10-2023Normal situation
- Registered office
- 107 active companies are registered at this address18 started in the 12 months before. Source: KBO register, as of 10 November 2026.
- Activity
- Computer programmingNACE 62100and 3 others
- Joint committee
- 200Auxiliary committee for white-collar workers · annual accounts 2025
- Establishment unit
- 2.352.924.0502600 Antwerp, since 31-10-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 02-01-2025
Annual accounts 2025
- ≈ €1.0mestimated
- €448,594▲ 159%
- Employeeson 31-12-2025
- 7=
- Filing
- Filed on 28-08-2026
Insights on CubiX
The computed 12-month bankruptcy probability of CubiX is 3.7% (moderate). The 2025 annual accounts show negative equity (-€199,778) and a net result of -€123,186.
Its solvency ranks better than 9% of 3,406 sector peers (NACE 62, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about CubiX
- What is the company number of CubiX?
- The company number of CubiX is 1001.830.846. The VAT number is the same number with BE in front: BE 1001.830.846.
- Where is CubiX based?
- The registered office is at Uitbreidingstraat 66, 2600 Antwerp.Company details
- What does CubiX do?
- According to the KBO register, the main activity is computer programming (NACE 62100).
- What is the legal form of CubiX?
- CubiX is a private limited company (BV).
- When was CubiX founded?
- CubiX was founded on 31-10-2023.
- Is CubiX still active?
- Yes, CubiX is an active enterprise in the KBO register.
- How many employees does CubiX have?
- CubiX had an average of 6.1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does CubiX fall under?
- In its 2025 annual accounts, CubiX states joint committee 200 (Auxiliary committee for white-collar workers).
- What is the turnover of CubiX?
- The turnover in financial year 2025 is ≈ €1.0m. This figure is estimated from the gross margin of €392,449 and 149 comparable companies (NACE 62). It probably lies between €710,000 and €1.7m.
- Is CubiX profitable?
- In financial year 2025, CubiX made a loss of €123,186.
- Where can I find the annual accounts of CubiX?
- CubiX filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CubiX due?
- CubiX must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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