Equity
DevFinIT paid out €19,151 in dividends. That is 519% of the 2025 profit.
DevFinIT paid out €19,151 in dividends. That is 519% of the 2025 profit.
The micro format states no turnover.
Short-term debts rose from €5,938 to €23,868.
Less equity than 91% of companies in computer programming and consultancy. Sector median €69,065 · 21,223 companies.
The dashed line is the sector median: 0.1% across 25,933 companies (NACE 62, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
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 10% of them on solvency, 18% on liquidity, 51% on profitability and 5% on growth.
The bankruptcy probability was computed on 10-11-2026 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).
In July 2024, 2,157 companies had the same profile as DevFinIT has now. Each dot stands for 6 companies, two years later.
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of DevFinIT itself is lower: 0.1% within 12 months. It rests on far more data about DevFinIT than the profile alone.
The method was tested on the 497,448 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 2,157 companies, not a prediction for DevFinIT. 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.
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.
The company filed its last 4 accounts on average 70 days before 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.
| Company | ||||
|---|---|---|---|---|
| DevFinIT Chaudfontaine | €24,368 | €12,109 | 2.1% | - |
| BIZBOLD Herstal | €25,769 | €11,568 | 70.2% | - |
| HIVETECH Koekelberg | €21,936 | €11,823 | 46.2% | - |
| DMO TECHNIC Seneffe | €28,707 | €13,486 | 54.9% | - |
| Beluoo consulting Sambreville | €27,536 | €11,359 | 29.1% | - |
| ARCHIBALD ANALYTICS Dalhem | €35,073 | €10,847 | 42.5% | - |
| withVR Ghent | €27,902 | €9,356 | 83.8% | - |
These companies have the same main activity as DevFinIT: computer programming (NACE 62100). They are comparable in size and age: total assets between €21,900 and €35,100, founded in 2022.
DevFinIT files the micro format. That format states no turnover. The gross margin rose from €11,349 in 2022 to €12,109 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €66,000. Estimated: probably between €35,000 and €130,000.
Higher than 10% of 21,217 companies in 2025.
Higher than 9% of 20,581 companies in 2025.
Higher than 45% of 20,756 companies in 2025.
Net result: bottom quarter · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: bottom quarter
| Line | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet: assets | |||||
20/58 |
24,368 | 21,898 | 16,863 | 16,659 | |
21/28 |
7,872 | 10,995 | 6,051 | 6,213 | |
22/27 |
7,272 | 10,495 | 6,051 | 6,213 | |
24 |
4,717 | 7,205 | 6,051 | 6,213 | |
26 |
2,555 | 3,290 | - | - | |
28 |
600 | 500 | - | - | |
29/58 |
16,496 | 10,903 | 10,812 | 10,446 | |
40/41 |
8,290 | 7,573 | 5,107 | 7,081 | |
40 |
8,290 | 7,523 | 4,984 | 6,979 | |
41 |
- | 50 | 123 | 102 | |
54/58 |
8,206 | 3,329 | 4,850 | 3,365 | |
490/1 |
- | - | 855 | - | |
| Balance sheet: equity and liabilities | |||||
10/49 |
24,368 | 21,898 | 16,863 | 16,659 | |
10/15 |
500 | 15,959 | 9,322 | 8,408 | |
10/11 |
500 | 500 | 500 | 500 | |
14 |
- | 15,459 | 8,822 | 7,908 | |
17/49 |
23,868 | 5,938 | 7,541 | 8,251 | |
42/48 |
23,868 | 5,938 | 7,025 | 7,111 | |
44 |
509 | 1,693 | 197 | 1,435 | |
440/4 |
509 | 1,693 | 197 | 1,435 | |
45 |
4,511 | 3,353 | 5,300 | 4,875 | |
450/3 |
4,511 | 3,353 | 5,300 | 4,875 | |
47/48 |
18,849 | 892 | 1,529 | 800 | |
492/3 |
- | - | 515 | 1,140 | |
| Income statement | |||||
9900 |
12,109 | 13,965 | 5,205 | 11,349 | |
630 |
4,658 | 3,786 | 2,311 | 341 | |
9901 |
7,451 | 10,179 | 2,895 | 11,008 | |
75/76B |
0 | 21 | 18 | 3 | |
75 |
0 | 21 | 18 | 3 | |
65/66B |
519 | 63 | 116 | 23 | |
65 |
519 | 63 | 116 | 23 | |
9903 |
6,932 | 10,138 | 2,797 | 10,988 | |
67/77 |
3,240 | 2,642 | 1,082 | 2,280 | |
9904 |
3,692 | 7,496 | 1,714 | 8,708 | |
9905 |
3,692 | 7,496 | 1,714 | 8,708 | |
| Appropriation of the result | |||||
9906 |
19,151 | 16,318 | 9,622 | 8,708 | |
14P |
15,459 | 8,822 | 7,908 | - | |
694/7 |
19,151 | 859 | 800 | 800 | |
694 |
19,151 | 859 | 800 | 800 | |
| Document | |||||
The notes to these accounts have 7 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).
Source: Annual accounts 2025 (PDF), filed on 20-02-2026.
| Line | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| 12,109 | 13,965 | 5,205 | 11,349 | ||
| 8,350 | 11,282 | 4,025 | 9,049 | ||
| 1,535 | 8,729 | 2,149 | 6,555 | ||
| 4,877 | -1,520 | 1,485 | - | ||
| -7,372 | 4,965 | 3,786 | 3,335 | ||
| 2.1% | 72.9% | 55.3% | 50.5% | ||
| 0.69 | 1.84 | 1.54 | 1.47 | ||
| - | 0.37 | 0.81 | 0.98 | ||
| - | 47.0% | 18.4% | 103.6% | ||
| 15.1% | 34.2% | 10.2% | 52.3% | ||
| 23.32 | over 100 | 45.01 | over 100 |
The equity ratios are withheld because equity of €500 is too small for a meaningful ratio.
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
| Item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Tangible fixed assets | €1,435 | €8,229 | €2,149 | €6,555 |
| Financial fixed assets | €100 | €500 | - | - |
| €4,658 | €3,786 | €2,311 | €341 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
The operating result for 2025 is 27% lower than in 2024.
Debt's share of the balance-sheet total rises from 27.1% to 97.9%. Equity is lower and debt is higher.
DevFinIT has no parent and no holdings in its annual accounts. ESCALONA CORONEL Saul Jose is the only director. DevFinIT shares no director with another company.
| BILLY.TECH
registered office since 01-01-2019 · founded in 2013 |
38 FTE (2025) 0543.450.814 |
| MERLIN SOFTWARE
registered office since 31-12-2021 · founded in 2021 |
3.9 FTE (2025) 0779.548.517 |
| LIVE INVEST
registered office since 14-10-2014 · founded in 2014 · negative equity (2025) |
total assets €1.4m (2025) 0563.993.335 |
| BILLY Live
registered office since 10-07-2020 · founded in 2020 · negative equity (2025) |
total assets €1.1m (2025) 0750.543.339 |
| Comptarama Services
registered office since 01-01-2017 · founded in 2016 · negative equity (2025) |
2.6 FTE (2025) 0668.491.633 |
| IMOQUAM
registered office since 15-02-2012 · founded in 2012 |
total assets €1.0m (2025) 0843.690.657 |
| BIOVICTA
registered office since 22-03-2018 · founded in 2018 · negative equity (2024) · accounts filed late |
total assets €593,187 (2024) 0692.824.181 |
| TRIMMO
registered office since 08-10-1999 · founded in 1999 |
total assets €415,699 (2025) 0467.026.492 |
| USOR Invest
registered office since 23-09-2013 · founded in 2013 · negative equity (2025) |
total assets €364,519 (2025) 0538.827.575 |
| BILLY Team
registered office since 29-01-2021 · founded in 2021 |
total assets €120,189 (2025) 0762.704.466 |
Deadline for the 2026 accounts: 31-07-2027
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
DevFinIT was incorporated on 9 September 2022 as a private limited company by one natural person, with a starting capital of €500.12 Since 2022, ESCALONA CORONEL Saul Jose has served as director.3 Total assets rose from €16,659 in 2022 to €24,368 in 2025.4
| Establishment | Since | Unit number |
|---|---|---|
| Rue Joseph Dupont 75 registered office 4053 Chaudfontaine | 09-09-2022 | 2.335.524.923 |
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 62030A0116/00N000 | 1,848 m² | 1 · 799 m² | 6.6 m · 1 |
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