Cybercontract
ActiveSummary
Cybercontract is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2026 annual accounts show negative equity (€-233k) and a net result of €-313k. Equity is growing by ~11% per year across the filed fiscal years. Its solvency ranks better than 5% of 32 sector peers (fiscal year 2026). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 32 sector peers (2026).
NBB · sector comparisonPosition among 32 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-01-2026 was due by 31-08-2026 and was filed on 28-08-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
3 d early
2024
106 d early
2023
29 d early
2022
27 d early
2021
13 d early
2020
1 d early
2019
55 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Accepting this client? The AML file with identity, beneficial owners and sanctions lists.AML client file What changed in the latest annual accounts?What changed What held for this company on a given day: board, seat, name?Company as of a date Which other companies resemble this one?Lookalike companies
Financials · fiscal year 2026, abbreviated schema
Equity
€-233k
2024 · €81k
Net result
€-313k
2024 · €11k
Total assets
€912k▲ 288%
2024 · €235k
Solvency
-25.5%▼ 59.9pp
2024 · 34.4%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242026
Operating result€38k▼ 0.4%€17k▼ 54.1%€-16k€13k€-309k-
Net result€28k▲ 4.9%€11k▼ 60.0%€-24k€11k€-313k-
Equity€82k▲ 52.2%€94k▲ 13.7%€70k▼ 25.1%€81k▲ 15.4%€-233k-
Total assets€250k▲ 5.7%€307k▲ 22.9%€228k▼ 25.6%€235k▲ 2.9%€912k-
Debt€167k▼ 8.1%€213k▲ 27.5%€158k▼ 25.8%€154k▼ 2.7%€1.14M-
Working capital€-68k▼ 63.6%€-100k▼ 47.4%€-66k▲ 33.7%€-26k▲ 60.3%€-288k-
Solvency33.0%▲ 10.1pp30.5%▼ 2.5pp30.7%▲ 0.2pp34.4%▲ 3.7pp-25.5%-
Staff (FTE)1▲ 150%1=1=1=1.2-
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result is €-309k in 2026, compared with €13k in 2024. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2026 in colour, 2024 as the grey bar beneath
Assets €912k
Fixed assets
€55k ▼ 48.9%
Current assets
€857k ▲ 574%
Key figures and ratios
ROA
-34.4%▼
2024 · 4.6%
Debt ≤ 1 year
€1.14M▲
2024 · €153k
Income taxes
€86
Staff costs
€112k▲
2024 · €57k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2026 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €49k | €50k | €55k | €57k | €112k | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €48k | €49k | €57k | €50k | €56k | - |
| Other operating charges640/8 | €432 | €267 | €3k | €358 | €603 | - |
| Gross operating margin9900 | €135k | €117k | €99k | €120k | €-140k | - |
| Operating profit (loss)9901 | €38k | €17k | €-16k | €13k | €-309k | - |
| Financial income75/76B | - | - | €1 | €611 | €453 | - |
| Recurring financial income75 | - | - | €1 | €611 | €453 | - |
| Financial charges65/66B | €7k | €6k | €8k | €2k | €5k | - |
| Recurring financial charges65 | €7k | €6k | €8k | €2k | €5k | - |
| Profit (loss) for the period before taxes9903 | €31k | €11k | €-24k | €11k | €-313k | - |
| Income taxes67/77 | €2k | - | - | - | €86 | - |
| Profit (loss) for the period9904 | €28k | €11k | €-24k | €11k | €-313k | - |
| Profit (loss) for the period to be appropriated9905 | €28k | €11k | €-24k | €11k | €-313k | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2026 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €250k | €307k | €228k | €235k | €912k | - |
| Fixed assets21/28 | €150k | €193k | €136k | €108k | €55k | - |
| Intangible fixed assets21 | €150k | €193k | €136k | €108k | €52k | - |
| Tangible fixed assets22/27 | - | - | - | - | €3k | - |
| Plant, machinery and equipment23 | - | - | - | - | €3k | - |
| Current assets29/58 | €100k | €114k | €92k | €127k | €857k | - |
| Amounts receivable within one year40/41 | €2k | - | - | €2k | €130 | - |
| Trade receivables40 | - | - | - | €2k | - | - |
| Other amounts receivable41 | €2k | - | - | - | €130 | - |
| Current investments50/53 | - | - | - | €612 | €36 | - |
| Cash at bank and in hand54/58 | €98k | €109k | €87k | €110k | €845k | - |
| Deferred charges and accrued income490/1 | €37 | €5k | €5k | €14k | €11k | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €250k | €307k | €228k | €235k | €912k | - |
| Equity10/15 | €82k | €94k | €70k | €81k | €-233k | - |
| Contributions10/11 | €20k | €20k | €20k | €20k | €20k | - |
| Reserves13 | €63k | €74k | €50k | €61k | - | - |
| Distributable reserves133 | €63k | €74k | €50k | €61k | - | - |
| Profit (loss) carried forward14 | - | - | - | - | €-252k | - |
| Amounts payable17/49 | €167k | €213k | €158k | €154k | €1.14M | - |
| Amounts payable within one year42/48 | €167k | €213k | €158k | €153k | €1.14M | - |
| Financial debts43 | €516 | €527 | €554 | €352 | €855 | - |
| Credit institutions430/8 | €516 | €527 | €554 | €352 | €855 | - |
| Trade debts44 | €26k | €86k | €25k | €19k | €801k | - |
| Suppliers440/4 | €26k | €86k | €25k | €19k | €801k | - |
| Taxes, remuneration and social security45 | €12k | €8k | €8k | €8k | €25k | - |
| Taxes450/3 | €6k | €2k | €1k | €260 | €5k | - |
| Remuneration and social security454/9 | €6k | €7k | €7k | €8k | €20k | - |
| Other amounts payable47/48 | €129k | €118k | €125k | €126k | €318k | - |
| Accrued charges and deferred income492/3 | - | - | - | €931 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2026 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €28k | €11k | €-24k | €11k | €-313k | - |
| + Depreciation and write-downs630 | €48k | €49k | €57k | €50k | €56k | - |
| Operating cash flow (approximation) | €76k | €60k | €34k | €61k | €-257k | - |
| Investment in fixed assets (approximation) | - | €-92k | €0 | €-22k | - | - |
| Change in cash | - | €10k | €-22k | €23k | - | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2026 · abbreviated schema
31-01
Financial
Weakest financial yearnet €-313k
Net result drops to €-313k, the lowest in the series.
2025
16-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €28k ▲4.9%
Net result €28k, the highest in the series.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
24-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 55 days late
2019
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 56 days late
2017
20-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 9 acts read
About the unread acts
We know of 9 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
9 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, Mechelen · 1 establishment unit since 2014
Ground area
2,050 m²
Building footprint
1,809 m²
Parcel 12025C0760/00X000, Flanders. Linked by address, not a title deed.
56
companies at this address
See who is registered here
1 establishment unit
Cybercontract
since 20142.266.617.608
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12025C0760/00X000 | Flanders | 2,050 m² | 1 · 1,809 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Similar companies · same sector, comparable size
MJMH
BE 0685.775.746
Libramont-Chevigny · Eq €80,811
Assurances DUTHOIT
BE 0423.930.778
Tournai · Eq €80,880
TWIN TEAM
BE 0865.638.688
Oudergem · Eq €80,707
Convins
BE 0650.645.316
Merelbeke-Melle · Eq €80,991
SOLIDAS ASSURANCES
BE 0832.423.217
Herve · Eq €80,993
Of 4,673 companies in sector 66220 we hold annual accounts for 3,219. 2,598 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded29-07-2014
Fiscal year end31-01
Trade name NL
STOÏK BELGIUM
Activities, NACEBEL 2025
66220Insurance agents and brokers
Scores and ratios are computed by Checked and are not a credit decision.