DATA-DRIVEN DECISION
ActiveSummary
DATA-DRIVEN DECISION has been active since 2018 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €155,439 and a net result of €63,115. Equity is growing by about 8.4% per year across the filed financial years. Its solvency ranks better than 88% of 21,076 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Overview
- Equity
- €155,439
- Profit
- €63,115
Why 82raises riskLiquidity: current ratio 9.53, cash €1, halved1 of the last 3 latelowers riskSector: Computer programming, consultancy and related activities (NACE 62)Equity €155,439 (89.5% of total assets)Show the evidence
Checked score
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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): better than 85% on solvency, 24% on liquidity, 82% on profitability and 28% on growth.
The bankruptcy probability was computed on 26-10-2026 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.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
This company filed its last 7 accounts on average 20 days before the deadline; the sector median (NACE 62) for financial year 2024 is 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · micro…
- Annual accounts filedfinancial year 2024 · micro…
- Annual accounts filedfinancial year 2023 · micro…
Financials · financial year 2025, micro format
2021 to 2025, 5 financial years 2019 to 2025, 7 financial years
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 26% above 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 62, Computer programming, consultancy and related activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Peer companies
Historical observationOf the 26,972 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 94.9% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,972 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Other operating charges640/8 | - | - | - | €2,752 | - | - | - | - |
| Gross operating margin9900 | €121,345 | €22,753 | €92,736 | €26,613 | €62,604 | €64,057 | €80,450 | ▲ 25.6% |
| Operating profit (loss)9901 | €119,795 | €17,875 | €92,736 | €23,861 | €62,604 | €64,057 | €80,450 | ▲ 25.6% |
| Recurring financial income75 | €600 | - | - | - | - | - | - | - |
| Financial charges65/66B | - | - | €109 | €295 | €2,413 | €404 | €156 | ▼ 61.3% |
| Recurring financial charges65 | €144 | €1,395 | €109 | €295 | €2,413 | €404 | €156 | ▼ 61.3% |
| Profit (loss) for the period before taxes9903 | €119,792 | €16,479 | €92,627 | €23,566 | €60,191 | €63,653 | €80,293 | ▲ 26.1% |
| Income taxes67/77 | €27,026 | €4,532 | €18,525 | €5,332 | €17,562 | €13,607 | €17,178 | ▲ 26.2% |
| Profit (loss) for the period9904 | €92,766 | €11,947 | €74,102 | €18,234 | €42,630 | €50,046 | €63,115 | ▲ 26.1% |
| Profit (loss) for the period to be appropriated9905 | €92,766 | €11,947 | €74,102 | €18,234 | €42,630 | €50,046 | €63,115 | ▲ 26.1% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Total assets20/58 | €162,881 | €169,761 | €224,188 | €238,918 | €272,304 | €201,560 | €173,669 | ▼ 13.8% |
| Current assets29/58 | €162,881 | €169,761 | €224,188 | €238,918 | €272,304 | €201,560 | €173,669 | ▼ 13.8% |
| Amounts receivable within one year40/41 | €162,810 | €169,761 | €223,455 | €231,130 | €251,046 | €192,968 | €173,668 | ▼ 10.0% |
| Trade receivables40 | - | - | €23,410 | €18,201 | €23,980 | €23,928 | €25,967 | ▲ 8.5% |
| Other amounts receivable41 | - | - | €200,044 | €212,928 | €227,066 | €169,040 | €147,702 | ▼ 12.6% |
| Cash at bank and in hand54/58 | €71 | €0 | €733 | €7,789 | €21,258 | €8,593 | €1 | ▼ 100.0% |
| Equity and liabilities | ||||||||
| Total equity and liabilities10/49 | €162,881 | €169,761 | €224,188 | €238,918 | €272,304 | €201,560 | €173,669 | ▼ 13.8% |
| Equity10/15 | €105,366 | €117,313 | €191,415 | €209,649 | €252,279 | €182,324 | €155,439 | ▼ 14.7% |
| Contributions10/11 | €12,600 | - | €12,600 | €12,600 | €12,600 | €12,600 | €12,600 | = |
| Profit (loss) carried forward14 | €92,766 | €104,713 | €178,815 | €197,049 | €239,679 | €169,724 | €142,839 | ▼ 15.8% |
| Amounts payable17/49 | €57,516 | €52,448 | €32,773 | €29,269 | €20,025 | €19,236 | €18,230 | ▼ 5.2% |
| Amounts payable within one year42/48 | €57,516 | €52,448 | €32,773 | €28,922 | €20,025 | €19,236 | €18,230 | ▼ 5.2% |
| Trade debts44 | €11,387 | €3,853 | €190 | €14 | - | €32 | €1,052 | ▲ 32× |
| Suppliers440/4 | - | - | €190 | €14 | - | €32 | €1,052 | ▲ 32× |
| Taxes, remuneration and social security45 | - | - | €32,583 | €28,908 | €20,025 | €19,203 | €17,178 | ▼ 10.5% |
| Taxes450/3 | - | - | €32,583 | €28,908 | €19,025 | €19,203 | €17,178 | ▼ 10.5% |
| Remuneration and social security454/9 | - | - | - | - | €1,000 | - | - | - |
| Accrued charges and deferred income492/3 | - | - | - | €348 | - | - | - | - |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €92,766 | €11,947 | €74,102 | €18,234 | €42,630 | €50,046 | €63,115 | ▲ 26.1% |
| Operating cash flow (approximation) | €92,766 | €11,947 | €74,102 | €18,234 | €42,630 | €50,046 | €63,115 | ▲ 26.1% |
| Change in cash | - | -€71 | €733 | €7,055 | €13,470 | -€12,666 | -€8,591 | ▲ 32.2% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (7)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 24-06-2026 | 2026-00200028 |
| 31-12-2024 | micro format | 19-06-2025 | 2025-00176867 |
| 31-12-2023 | micro format | 25-10-2024 | 2024-00516638 |
| 31-12-2022 | micro format | 12-07-2023 | 2023-00228713 |
| 31-12-2021 | micro format | 16-06-2022 | 2022-20070753 |
| 31-12-2020 | micro format | 15-06-2021 | 2021-20300049 |
| 31-12-2019 | micro format | 23-06-2020 | 2020-20300323 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Not every act has been read: a resignation may still be missing
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| KUMBA Peter |
|
Owners and capital
Capital and shareholders
- 01-02-2024 Capital stated in the deed · 1,860 shares
Group and network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
01-02
Gazette deed
Resignation: KUMBA Peter (manager)Appointment: KUMBA Peter (administrateur non statutaire) · Capital conversion · Reserve release13 facts ▸
- General meeting, 22-01-2024
- Other provision, “adaptation des statuts au Code des sociétés et des associations, article 39,§1,alinéa 1 et 3 de la loi du 23 mars introduisant le Code des sociétés et des assoc…” (deed in French)
- Capital conversion, “compte de capitaux propres statutairement indisponible”, EUR (deed in French)
- Other provision, “réserve légale” (deed in French)
- Reserve release, “suppression du compte de capitaux propres statutairement indisponible, fonds disponibles pour distribution” (deed in French)
- Registered-office move, 1000 Bruxelles,Boulevard Bisschoffsheim 39,boîte 4
- Amendment of the articles
- Capital
- Other provision, “TITRE III : TITRES, intitulé de titre statutaire” (deed in French)
- Director resignation, KUMBA Peter (manager)
- Director appointment, KUMBA Peter (administrateur non statutaire)
- Registered office clause, “1000 Bruxelles, Boulevard Bisschoffsheim 39, boîte 4” (deed in French)
- +1 further fact in this act
About the unread acts
Of the 3 Belgian Official Gazette deeds we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 27 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
2 parcels
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 21010A0073/00G010 | Brussels | 2,565 m² | - | - |
| 21803C0630/00H003 | Brussels | 808 m² | 1 · 279 m² | 26.6 m · 8 |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “La consultance et le management en informatique et en ressources humaines; La conception,l’adaptation et la réalisation de programmes…” (deed in French)
9 activities (deed in French)
- La consultance et le management en informatique et en ressources humaines
- La conception,l’adaptation et la réalisation de programmes informatiques et de traitement de l’informatique
- L’acquisition,la mise en valeur ou l’exploitation de tous brevets,licences et marques de fabriques
- Les prestations de services informatiques hautement qualifiées aux entreprises
- Toutes autres activités rattachées à l’informatique
- Toutes opérations mobilières ou immobilières,et notamment,sans que ce soit limitatif,la vente et l’achat de tous biens et droits immeubles,la gestion de biens immobiliers et valeurs mobilières,tous services en ce compris conseils et études de marchés en matières immobilières et mobilières,économiques,financières et l’aménagement,l’agencement,l’équipement et la rénovation d’immeubles,en ce compris l’approvisionnement desdits équipements et agencements,ériger ou faire ériger des immeubles,les aménager ou faire aménager,prendre ou donner des immeubles en location,faire des travaux en vue de les rendre rentables,tous les travaux ci-dessus seront exécutés par des sous-traitants enregistrés ; lotir des terrains,créer la voirie exercer tous mandats d’administrateur dans toute société ayant un objet analogue ou connexe,l’achat,la vente,la location,l’import-export de toutes marchandises,se référant à la construction
- Elle peut se porter caution et donner toute sûreté personnelle ou réelle en faveur de toute personne ou société liée ou non
- Elle peut s’intéresser par voie d’apport,de fusion,de souscription,de participation,d’acquisition,de cession ou de toute autre manière dans toutes affaires,entreprises,associations ou sociétés,belges ou étrangères,créées ou à créer,ayant un objet identique,analogue ou connexe au sien ou qui sont de nature à favoriser le développement de son entreprise,à lui procurer des matières premières ou à faciliter l’écoulement de ses produits
- Elle peut accepter des mandats d’administrateur,de gérant,de commissaire,de directeur et de liquidateur dans toutes entreprises
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- DATA-DRIVEN DECISION
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Région de Bruxelles-Capitale, l’organe d’administration peut établir sièges administratifs,agences,ateliers,dépôts et succursales en…” (deed in French)
Who represents it, and how
- Board ruleHow the board is made up, meets and takes decisions.
- One provision in the deed
Capital, shares and profit
- Kind of sharesWhich classes of shares exist and what rights each class carries.
- “Nominatives, nature des actions” (deed in French)
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- “Cession entre vifs et transmission cause mort” (deed in French)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Second Friday of June at 11:00
Oversight and winding up
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Article 22, en tout temps par assemblée délibérant formes modifications statuts” (deed in French)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Article 23, dissolution pour quelque cause et à quelque moment” (deed in French)