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DE MISPEL

Active
Private limited companyfounded 20224 yrs activePezelstraat 14, 8970 Poperinge, BelgiumKBO/BCE: BE 0790.937.406
Summary

DE MISPEL has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19,296 and a net result of -€5,848. Equity is shrinking by ~52.9% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 43% of 18866 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch ReportCompare
DE MISPELActiveChecked score 93/100
Risk analysis ReportCompare

Overview

Activity
Computer programming
NACE 62100NACE 62010
1 site
Size
€36,423total assets 2025
Equity
€19,296
Loss
-€5,848
Turnover not published (abridged schema)
Financial health
93 Excellent Checked score 2025
Bankruptcy chance 12 m
0.1%
Structure
Accounts 11 d early0 of 1 deed read
Why 93- Loss of €5,848, the second in a row (FY 2025)+ Sector Computer programming, consultancy and related activities (NACE 62)+ Liquidity: current ratio 1.84, cash €16,093+ Size: total assets €36,423Show the evidence

Checked score

Score 2025
93 / 100
Excellent
Probability in this band: under 0.55%
Better than 41% of its sector peers (NACE 62, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 78-4
equity 53.0% of total assets
Liquidity 89+9
short-term debt 27.8% · cash 44.2%
Profitability 50+50
return on assets -16.1%
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% (25,520 companies)
Last 15 months 08-2025: 0.1% 09-2025: 0.1%● 0.0% vs 08-2025 10-2025: 0.1%● 0.0% vs 09-2025 11-2025: 0.1%● 0.0% vs 10-2025 12-2025: 0.1%▲ +2.7% vs 11-2025 01-2026: 0.1%● 0.0% vs 12-2025 02-2026: 0.1%▼ -2.6% vs 01-2026 03-2026: 0.1%▲ +8.1% vs 02-2026 04-2026: 0.1%▲ +5.0% vs 03-2026 05-2026: 0.1%▲ +16.7% vs 04-2026highest value 06-2026: 0.1%▼ -18.4% vs 05-2026 07-2026: 0.1%▲ +5.0% vs 06-2026 08-2026: 0.1%▼ -35.7% vs 07-2026 09-2026: 0.1%▼ -3.7% 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 1.84, cash €16,093 lowers the probability
  • Size: total assets €36,423 lowers the probability for this profile
  • Loss of €5,848, the second in a row (FY 2025) raises the probability
Credit up to €1,500 at 30 days acceptable
Liquidity ample (current ratio 1.84 against 1.52 in 2024; short-term debt: 27.8% and cash: 44.2% of total assets), and 47% 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 45%, liquidity 75%, profitability 21%, growth against the median 21%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. 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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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Sector Computer programming, consultancy and related activities (NACE 62)
In the bankruptcy model this factor lowers the probability.
KBO
lowers risk · Liquidity: current ratio 1.84, cash €16,093
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Size: total assets €36,423
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Loss of €5,848, the second in a row (FY 2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
232425
2023 to 2025 · latest year -€5,848
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 20-07-2026, 11 days ahead of the deadline.
NBB · 3 filings
Deviation from the deadline
2025
11 d early
2024
19 d early
2023
21 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 17 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 12 July (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Weakest financial yearnet -€19,153

Key points

  • Caution: Among the weakest 13% on net resultsector median €28,485 · 18,873 companies -€5,848 View
  • Caution: 2 loss-making years in a rowloss fiscal year 2025 -€5,848 View
  • Total assets 20253 fiscal years filed €36,423 View

By topic

Financials

Fiscal year
2025
Total assets
€36,423
Loss
-€5,848
Solvency
53.0%
Total assets▼ 22.4%
Net result
20232025
Go to Financials

Timeline

Events
4
Since
2024
Next accounts
by 31-07-2027
  1. 20-07-2026Annual accounts filed
  2. 12-07-2025Annual accounts filed
  3. 31-12-2024Weakest financial year
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Computer programmingNACE 62100
Founded
19-09-2022
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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