Liquidity
18.03 was 4.04 in 2024
Short-term debts fell from €25,854 to €7,374.
FACTOR
Lifetime
20 annual accounts with figures on one time axis, 33 filings since 1993peak €120,054 (2010)
€64,797▼ 1.3%
lowest -€10,003 (2013)
€26,937▼ 9.4%
peak €238,649 (2025)
€238,649▲ 12.7%
€7,374▼ 71.5%
Board1 name since 2021
1 directorRonny SENEPART
Documentsfilings and deeds
13-03-2026140 days before the deadline
2025micro format
Equity from €211,712 to €238,649Debts from €25,854 to €7,374Cash from €73,297 to €103,106
Key points
from the 2025 annual accountsFilings
33 annual accounts since 1993
The last five annual accounts were filed 41 to 140 days before the end of the period.
Position in the sector
97.0%
Higher solvency than 95% of companies in computer programming and consultancy. Sector median 60.0% · 21,208 companies.
Checked score
96
Excellent
Financially stronger than 71% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,932 companies (NACE 62, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025highest value
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026lowest value
10-2026: < 0.1%● unchanged vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
lowers risk
Liquidity: current ratio 18.03, cash €103,106
Equity €238,649 (97.0% of total assets)
Sector: Computer programming, consultancy and related activities (NACE 62)
Size: total assets €246,024
Calculation
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 85% of them on solvency, 96% on liquidity, 43% on profitability and 59% on growth.
The bankruptcy probability was computed on 09-11-2026 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).
Comparable companies, two years later
In July 2024, 31,368 companies had the same profile as FACTOR has now. Each dot stands for 79 companies, two years later.
93.5%
were still trading
5.9%
stopped another way
0.5%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of FACTOR itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 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 31,368 companies, not a prediction for FACTOR. 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.
Credit verdict
Credit of up to €22,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 18.03 (4.04 in 2024), above the usual 1.5. Short-term debt is 3% and cash 41.9% of total assets. 3% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
5 signals, none raises the risk
Five signals.
lowers riskneutral
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 13-03-2026, 140 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
140 days early
2024
84 days early
2023
43 days early
2022
41 days early
2021
72 days early
2020
32 days early
2019
21 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 62 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.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 20 May (4 of the last 5 accounts filed within 31 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0449383083
Reappointment: Ronny SENEPART (director)
Gazette deed
First establishment
FACTOR BVBA, Sint-Gabriëlstraat 40, Boechout
Incorporation
published on 04-03-1993 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| FACTOR Boechout | €246,024 | €64,797 | 97.0% | - |
| APROSYS Kalmthout | €258,850 | €64,405 | 80.3% | - |
| TECHNATION Zoersel | €279,405 | €58,756 | 97.4% | - |
| BIS Kontich | €271,498 | €56,720 | 97.5% | - |
| PRO INFO Ranst | €285,798 | €58,100 | 32.5% | - |
| INTES Dilbeek | €248,320 | €65,992 | 93.8% | - |
| EXPERIENCE YOUR LIFE Sint-Niklaas | €261,271 | €75,914 | 38.5% | - |
These companies have the same main activity as FACTOR: computer programming (NACE 62100). They are comparable in size and age: total assets between €248,000 and €286,000, founded between 1989 and 1996.
Official details
Source: KBO- Status
- Active since 08-02-1993Normal situation
- Activity
- Computer programmingNACE 62100
- Establishment unit
- 2.061.400.0522530 Boechout, since 26-03-1993
- Financial year end
- 31 December
- Peppol
- Reachable since 05-11-2025
Annual accounts 2025
- ≈ €150,000estimated
- €246,024▲ 3.6%
- Filing
- Filed on 13-03-2026, 140 days before the end of the filing period
Insights on FACTOR
FACTOR files the micro format. That format states no turnover. The gross margin rose from €13,259 in 2006 to €64,797 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about FACTOR
- What is the company number of FACTOR?
- The company number of FACTOR is 0449.383.083. The VAT number is the same number with BE in front: BE 0449.383.083.
- Where is FACTOR based?
- The registered office is at Sint-Gabriëlstraat 40, 2530 Boechout.Company details
- What does FACTOR do?
- According to the KBO register, the main activity is computer programming (NACE 62100).
- What is the legal form of FACTOR?
- FACTOR is a private limited company (BV).
- When was FACTOR founded?
- FACTOR was founded on 08-02-1993.
- Is FACTOR still active?
- Yes, FACTOR is an active enterprise in the KBO register.
- What is the turnover of FACTOR?
- The turnover in financial year 2025 is ≈ €150,000. This figure is estimated from the gross margin of €64,797 and 41 comparable companies (NACE 62100). It probably lies between €130,000 and €190,000.Financials
- Is FACTOR profitable?
- In financial year 2025, FACTOR made a profit of €26,937.
- Where can I find the annual accounts of FACTOR?
- FACTOR filed 33 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of FACTOR due?
- FACTOR must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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