EXCELIO
ActiveEXCELIO has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €459k and a net result of €198k. Equity is growing by ~28.8% per year across the filed fiscal years. Its solvency ranks better than 42% of 17022 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability96▲+1
Solvency76▼-24
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 1.76 against 7.17 in 2024; short-term debt: 48.8% and cash: 82.1% of total assets), and 48.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
51.2%
Return on assets
22.1%
Age of the figures
9 mo
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 30-07-2026, 1 day ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
1 d early
2024
98 d late
2023
48 d early
2022
60 d late
2021
45 d late
2020
5 d late
2019
91 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€293k
EBIT margin
71.9%
Net result
€198k▲ 11.4%
2024 · €177k
2018: €115k
2019: €82k
2020: €-31k
2021: €108k
2022: €132k
2023: €148k
2024: €177k
2018 → 2025
Working capital
€331k▼ 49.4%
2024 · €654k
2018: €124k
2019: €205k
2020: €171k
2021: €288k
2022: €401k
2023: €548k
2024: €654k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€293k
Equity€294k-€425k▲ 44.8%€573k▲ 34.7%€730k▲ 27.5%€459k▼ 37.2%
Operating result€146k-€190k▲ 30.7%€211k▲ 10.7%€241k▲ 14.3%€258k▲ 7.1%
Net result€108k-€132k▲ 21.9%€148k▲ 12.1%€177k▲ 20.1%€198k▲ 11.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 7% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €896k
Fixed assets
€128k▲ 61.2%
Current assets
€768k▲ 1.0%
Equity and liabilities €896k
Equity
€459k▼ 37.2%
Debt
€437k▲ 299%
The debt ratio rises from 13.0% to 48.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€264k▲
2024 · €253k
Cash flow
€204k▲
2024 · €190k
Solvency
51.2%▼
2024 · 87.0%
Current ratio
1.76▼
2024 · 7.17
Quick ratio
1.76▼
2024 · 7.17
Debt / equity
0.95▲
2024 · 0.15
ROE
43.1%▲
2024 · 24.3%
ROA
22.1%▲
2024 · 21.1%
Interest coverage
741.25▲
2024 · 519.66
Debt
€437k▲
2024 · €109k
Debt ≤ 1 year
€437k▲
2024 · €106k
Income taxes
€60k▼
2024 · €63k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€840k€896k▲
Fixed assets21/28€79k€128k▲
Tangible fixed assets22/27€76k€125k▲
Furniture and vehicles24€27k€46k▲
Other tangible fixed assets26€49k€79k▲
Financial fixed assets28€3k€3k=
Current assets29/58€760k€768k▲
Amounts receivable within one year40/41€24k€32k▲
Trade receivables40€23k€30k▲
Other amounts receivable41€1k€1k▼
Cash at bank and in hand54/58€736k€735k▼
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€840k€896k▲
Equity10/15€730k€459k▼
Contributions10/11€19k€2k▼
Reserves13€380k€149k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€379k€147k▼
Profit (loss) carried forward14€331k€308k▼
Amounts payable17/49€109k€437k▲
Amounts payable after more than one year17€3k-
Financial debts170/4€3k-
Amounts payable within one year42/48€106k€437k▲
Current portion of amounts payable after more than one year42€13k€3k▼
Trade debts44€70k€428▼
Suppliers440/4€70k€428▼
Taxes, remuneration and social security45€3k€48k▲
Taxes450/3€3k€48k▲
Other amounts payable47/48€19k€385k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€6k▼
Other operating charges640/8€935€755▼
Gross operating margin9900€254k€265k▲
Operating profit (loss)9901€241k€258k▲
Financial income75/76B€145€2▼
Recurring financial income75€145€2▼
Financial charges65/66B€487€356▼
Recurring financial charges65€487€356▼
Profit (loss) for the period before taxes9903€241k€258k▲
Income taxes67/77€63k€60k▼
Profit (loss) for the period9904€177k€198k▲
Profit (loss) for the period to be appropriated9905€177k€198k▲
Appropriation of the result
Profit (loss) to be appropriated9906€351k€528k▲
Profit (loss) brought forward from the previous period14P€174k€330k▲
Transfer from equity791/2-€232k
Profit to be distributed694/7€20k€452k▲
Return on contributions (dividend)694€20k€452k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €198k ▲11.4%
Operating result €258k, net result €198k, both a record.
06-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 98 days late
2024
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €500kEq €573k ▲34.7%
3 profitable years in a row build equity to €573k.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
14-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 45 days late
2021
31-12
Financial
Back to profitnet €108k
Net result €108k after one loss-making year.
31-12
Financial
Liquidity times 7current ratio 66.03
Current ratio from 9.18 to 66.03; short-term debt falls from €21k to €4k.
31-12
Financial
Equity above €200kEq €294k ▲58.2%
Equity rises from €186k to €294k.
05-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 5 days late
2020
31-12
Financial
Weakest financial yearnet €-31k ▼137%
Net result drops to €-31k, the lowest in the series; recovery starts the following year.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-12
Financial
Liquidity triplescurrent ratio 17.09
Current ratio from 4.92 to 17.09; short-term debt falls from €32k to €13k.
31-12
Financial
Equity above €200kEq €216k ▲61.5%
2 profitable years in a row build equity to €216k.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Brussel · 1 establishment unit since 2017
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Prudent Bolslaan 1101020 BrusselGround area
221 m²
Building footprint
112 m²
Volume, LiDAR
1,057 m³
Parcel 21815D0010/00M004, Brussels · tallest building 14.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
EXCELIO
since 20172.264.866.955
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21815D0010/00M004 | Brussels | 221 m² | 1 · 112 m² | 14.7 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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SWINGDERS
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Of 30,000 companies in sector 62200 we hold annual accounts for 18,394. 12,324 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-04-2017
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.