Equity
€1,070 from €188,218 in 2023
Equity fell by 99% in 2 years.
FFECTIVE
Lifetime
6 annual accounts with figures on one time axispeak €87,548 (2025)
€87,548▲ 14.2%
peak €67,347 (2025)
€67,347▲ 14.3%
peak €188,218 (2023)
€1,070▼ 98.3%
€124,076▲ 835%
Board1 name since 2020
1 directorBEIRNAERT Simon Hans
Documentsfilings and deeds
30-07-20261 day before the deadline
2025micro format
Gross margin from €76,644 to €87,548Dividend €128,400Equity from €62,123 to €1,070Debts from €13,273 to €124,076Cash from €40,297 to €94,518
Key points
from the 2025 annual accountsTurnover
≈ €200,000 estimated
The micro format states no turnover.
Debts
€124,076 99% of the balance sheet
Suppliers 2%Taxes and wages 6%Other 92%
Liquidity
0.99 was 5.35 in 2024
Short-term debts rose from €13,273 to €124,076.
Filings
6 annual accounts 1 late
The 2024 accounts came 20 days late. The other five were filed on time.
Position in the sector
€1,070
Less equity than 90% of companies in computer programming and consultancy. Sector median €69,072 · 21,214 companies.
Checked score
86
Excellent
Financially stronger than 31% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% 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).
About 2 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 12-2024lowest value
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
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%▲ +0.1 percentage points vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.2%▲ +0.1 percentage points vs 09-2026highest value
11-2026: 0.2%● unchanged vs 10-2026highest value
Financial strengthAverage
Score breakdown
raises risk
1 change of registered office in 24 months
Equity €1,070 (0.9% of total assets)
lowers risk
Sector: Computer programming, consultancy and related activities (NACE 62)
Liquidity: current ratio 0.99, cash €94,518
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 9% of them on solvency, 27% on liquidity, 82% on profitability and 4% 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, 2,153 companies had the same profile as FFECTIVE has now. Each dot stands for 6 companies, two years later.
96.1%
were still trading
2.2%
stopped another way
1.7%
went bankrupt
The bankruptcy probability of FFECTIVE itself is lower: 0.2% within 12 months. It rests on far more data about FFECTIVE than the profile alone.
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 2,153 companies, not a prediction for FFECTIVE. 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.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 21208 sector peers (2025).
NBB · sector comparisonPosition among 21208 sector peers
Solvency
better than 10%
← weakest
strongest →
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 · 6 filingsDeviation from the deadline
2025
1 day early
2024
20 days late
2023
35 days early
2022
32 days early
2021
32 days early
2020
31 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 19 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 29 June (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 office moved from Temse to Ghent
New registered office: Blekerijstraat 87, 9000 Gent · Previous registered office: Hogenakkerstraat 24, 9140 Temse · Board meeting of 08-09-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0744925653
Registered office moved within Temse
New registered office: Hogenakkerstraat 24, 9140 Temse · Previous registered office: Arthur Van Daelestraat 5, 9140 Temse · Board meeting of 25-07-2022 · Gazette deed
Incorporation
Founding capital of €1,000, 100 shares · Founder: BEIRNAERT Simon Hans · Appointment: BEIRNAERT Simon Hans (director) · published on 12-03-2020 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| FFECTIVE Ghent | €125,146 | €87,548 | 0.9% | - |
| Gruloos Solutions Oudenaarde | €131,460 | €81,404 | 21.6% | - |
| DIGILEAPS Geraardsbergen | €143,022 | €97,279 | 73.7% | - |
| SYLPHANY Wavre | €122,222 | €85,395 | 3.3% | - |
| CODYNAMICS Schaerbeek | €127,809 | €92,030 | 2.3% | - |
| DC DESIGN Sint-Truiden | €122,223 | €76,360 | 25.7% | 0.9 |
| XYZ Group Zaventem | €113,933 | €78,982 | 41.9% | - |
These companies have the same main activity as FFECTIVE: computer programming (NACE 62100). They are comparable in size and age: total assets between €114,000 and €143,000, founded between 2019 and 2020.
Official details
Source: KBO- Status
- Active since 10-03-2020Normal situation
- Activity
- Computer programmingNACE 62100and 1 other
- Establishment unit
- 2.300.138.2349000 Ghent, since 10-03-2020
- Financial year end
- 31 December
- Peppol
- Reachable since 12-02-2025
Annual accounts 2025
- €125,146▲ 66.0%
- Filing
- Filed on 30-07-2026, 1 day before the end of the filing period
Insights on FFECTIVE
FFECTIVE files the micro format. That format states no turnover. The gross margin rose from €49,126 in 2020 to €87,548 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 FFECTIVE
- What is the company number of FFECTIVE?
- The company number of FFECTIVE is 0744.925.653. The VAT number is the same number with BE in front: BE 0744.925.653.
- Where is FFECTIVE based?
- The registered office is at Blekerijstraat 87, 9000 Ghent.Company details
- What does FFECTIVE do?
- According to the KBO register, the main activity is computer programming (NACE 62100).
- What is the legal form of FFECTIVE?
- FFECTIVE is a private limited company (BV).
- When was FFECTIVE founded?
- FFECTIVE was founded on 10-03-2020.
- Is FFECTIVE still active?
- Yes, FFECTIVE is an active enterprise in the KBO register.
- What is the turnover of FFECTIVE?
- The turnover in financial year 2025 is ≈ €200,000. This figure is estimated from the gross margin of €87,548 and 41 comparable companies (NACE 62100). It probably lies between €170,000 and €260,000.Financials
- Is FFECTIVE profitable?
- In financial year 2025, FFECTIVE made a profit of €67,347.
- Where can I find the annual accounts of FFECTIVE?
- FFECTIVE filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of FFECTIVE due?
- FFECTIVE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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