Turnover
≈ €100,000 estimated
The micro format states no turnover.
CURTAT
Lifetime
8 annual accounts with figures on one time axispeak €63,627 (2018)
€18,492▲ €44,008
lowest -€30,230 (2024)
€13,324▲ €43,554
peak €144,804 (2022)
€99,584▲ 15.4%
€37,762▲ 75.0%
Board1 name since 2017
1 directorPeter De Witte
Documentsfilings and deeds
06-07-202625 days before the deadline
2025micro format
Gross margin from -€25,516 to €18,492Back to profit: €13,324Equity from €86,260 to €99,584Debts from €21,577 to €37,762
Key points
from the 2025 annual accountsFilings
8 annual accounts 2 late
The 2019 accounts came latest: 97 days after the end of the period.
Checked score
94
Excellent
Financially stronger than 55% 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
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025highest value
08-2025: < 0.1%▼ -0.1 percentage points vs 07-2025
09-2025: < 0.1%● unchanged 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%▲ +0.1 percentage points vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: < 0.1%▼ -0.1 percentage points vs 07-2026lowest value
09-2026: < 0.1%● unchanged vs 08-2026lowest value
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
lowers risk
Sector: Computer programming, consultancy and related activities (NACE 62)
Liquidity: current ratio 3.38, cash €30,875
Equity €99,584 (72.5% of total assets)
Size: total assets €137,346
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 66% of them on solvency, 50% on liquidity, 41% on profitability and 62% 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, 26,972 companies had the same profile as CURTAT has now. Each dot stands for 68 companies, two years later.
94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of CURTAT itself is lower: < 0.1% within 12 months. It rests on far more data about CURTAT 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 26,972 companies, not a prediction for CURTAT. 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 €9,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.38 (4.36 in 2024), above the usual 1.5. Short-term debt is 27.5% and cash 22.5% of total assets. 27.5% 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
5 signals, none raises the risk
Five signals.
lowers riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-07-2026, 25 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
25 days early
2024
21 days early
2023
42 days early
2022
38 days early
2021
74 days late
2020
16 days early
2019
97 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 4 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. The company usually files around 6 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Change of role: Peter De Witte, from manager to director
Director discharge: Peter De Witte · General meeting of 15-12-2023 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0676992494
Registered office moved from Sint-Kruis to Gentbrugge
New registered office: Désiré Mercierlaan 93, 9050 Gentbrugge · Previous registered office: Karel van Manderstraat 110 bus 1, 8310 Sint-Kruis (Brugge) · Board meeting of 28-06-2018 · Gazette deed
Incorporation
published on 22-06-2017 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CURTAT Ghent | €137,346 | €18,492 | 72.5% | - |
| Husky Marketing Planner Sint-Martens-Latem | €167,295 | €18,463 | 84.6% | - |
| ExactFit Puurs-Sint-Amands | €132,749 | €18,936 | 32.4% | - |
| FINOPS Halle | €127,886 | €18,068 | 14.1% | - |
| Workapp Lasne | €116,127 | €18,226 | 29.6% | - |
| AGREMAN Zwevegem | €124,637 | €22,462 | 97.8% | - |
| FEEL INK Schaerbeek | €115,767 | €19,525 | 9.0% | - |
These companies have the same main activity as CURTAT: computer programming (NACE 62100). They are comparable in size and age: total assets between €116,000 and €167,000, founded between 2016 and 2017.
Official details
Source: KBO- Status
- Active since 20-06-2017Normal situation
- Activity
- Computer programmingNACE 62100and 2 others
- Establishment unit
- 2.265.699.4729050 Ghent, since 20-06-2017
- Financial year end
- 31 December
- Peppol
- Reachable since 30-10-2023
Annual accounts 2025
- €137,346▲ 27.4%
- Filing
- Filed on 06-07-2026, 25 days before the end of the filing period
Insights on CURTAT
CURTAT files the micro format. That format states no turnover. The gross margin fell from €63,627 in 2018 to €18,492 in 2025.
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 CURTAT
- What is the company number of CURTAT?
- The company number of CURTAT is 0676.992.494. The VAT number is the same number with BE in front: BE 0676.992.494.
- Where is CURTAT based?
- The registered office is at Désiré Mercierlaan 93, 9050 Ghent.Company details
- What does CURTAT do?
- According to the KBO register, the main activity is computer programming (NACE 62100).
- What is the legal form of CURTAT?
- CURTAT is a private limited company (BV).
- When was CURTAT founded?
- CURTAT was founded on 20-06-2017.
- Is CURTAT still active?
- Yes, CURTAT is an active enterprise in the KBO register.
- What is the turnover of CURTAT?
- The turnover in financial year 2025 is ≈ €100,000. This figure is estimated from the gross margin of €18,492 and 53 comparable companies (NACE 62100). It probably lies between €53,000 and €190,000. It is a rough estimate.Financials
- Is CURTAT profitable?
- In financial year 2025, CURTAT made a profit of €13,324.
- Where can I find the annual accounts of CURTAT?
- CURTAT filed 8 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CURTAT due?
- CURTAT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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