FFECTIVE
ActiveFFECTIVE has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1k and a net result of €67k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 17022 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency26▼-74
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Seven 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
0.9%
Return on assets
53.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 17022 sector peers (2025).
NBB · sector comparisonPosition among 17022 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 d early
2024
20 d late
2023
35 d early
2022
32 d early
2021
32 d early
2020
31 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1k▼ 98.3%
2024 · €62k
2020: €39k
2021: €82k
2022: €135k
2023: €188k
2024: €62k
2020 → 2025
Total assets
€125k▲ 66.0%
2024 · €75k
2020: €57k
2021: €99k
2022: €151k
2023: €205k
2024: €75k
2020 → 2025
Net result
€67k▲ 14.3%
2024 · €59k
2020: €38k
2021: €44k
2022: €53k
2023: €53k
2024: €59k
2020 → 2025
Working capital
€-1k
2024 · €58k
2020: €35k
2021: €78k
2022: €128k
2023: €183k
2024: €58k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€82k-€135k▲ 64.2%€188k▲ 39.0%€62k▼ 67.0%€1k▼ 98.3%
Operating result€55k-€67k▲ 21.4%€67k▼ 0.6%€74k▲ 10.1%€85k▲ 15.4%
Net result€44k-€53k▲ 20.7%€53k▼ 0.2%€59k▲ 11.5%€67k▲ 14.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 15% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €125k
Fixed assets
€2k▼ 48.0%
Current assets
€123k▲ 73.0%
Equity and liabilities €125k
Equity
€1k▼ 98.3%
Debt
€124k▲ 835%
The debt ratio rises from 17.6% to 99.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€87k▲
2024 · €76k
Cash flow
€69k▲
2024 · €61k
Solvency
0.9%▼
2024 · 82.4%
Current ratio
0.99▼
2024 · 5.35
Quick ratio
0.99▼
2024 · 5.35
ROA
53.8%▼
2024 · 78.1%
Interest coverage
1569.62▲
2024 · 1372.04
Debt
€124k▲
2024 · €13k
Debt ≤ 1 year
€124k▲
2024 · €13k
Income taxes
€17k▲
2024 · €15k
A ratio outside any meaningful range has been withheld (balance sheet total €125k, equity €1k).
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€75k€125k▲
Fixed assets21/28€4k€2k▼
Tangible fixed assets22/27€4k€2k▼
Plant, machinery and equipment23€1k€442▼
Furniture and vehicles24€3k€2k▼
Financial fixed assets28€300€300=
Current assets29/58€71k€123k▲
Amounts receivable within one year40/41€30k€27k▼
Trade receivables40€29k€26k▼
Other amounts receivable41€531€541▲
Cash at bank and in hand54/58€40k€95k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€75k€125k▲
Equity10/15€62k€1k▼
Contributions10/11€1k€1k=
Reserves13€60k€0▼
Distributable reserves133€60k€0▼
Profit (loss) carried forward14€1k€70▼
Amounts payable17/49€13k€124k▲
Amounts payable within one year42/48€13k€124k▲
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€11k€7k▼
Taxes450/3€9k€7k▼
Remuneration and social security454/9€3k€0▼
Other amounts payable47/48€737€115k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€592€544▼
Gross operating margin9900€77k€88k▲
Operating profit (loss)9901€74k€85k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€55€55=
Recurring financial charges65€55€55=
Profit (loss) for the period before taxes9903€73k€85k▲
Income taxes67/77€15k€17k▲
Profit (loss) for the period9904€59k€67k▲
Profit (loss) for the period to be appropriated9905€59k€67k▲
Appropriation of the result
Profit (loss) to be appropriated9906€61k€68k▲
Profit (loss) brought forward from the previous period14P€2k€1k▼
Transfer from equity791/2€185k€60k▼
Transfer to equity691/2€60k€0▼
To other reserves6921€60k€0▼
Profit to be distributed694/7€185k€128k▼
Return on contributions (dividend)694€185k€128k▼
The notes to these accounts (7 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
14-09
State Gazette act
Registered officeBoard meeting · Registered-office move2 facts ▸
State Gazette act
Registered office
Board meeting · Registered-office move2 facts ▸
- Board meeting, 2026-09-08
- Registered-office move, Blekerijstraat 87, 9000 Gent
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €67k ▲14.3%
Operating result €85k, net result €67k, both a record.
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150kEq €188k ▲39%
4 profitable years in a row build equity to €188k.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €135k ▲64.2%
3 profitable years in a row build equity to €135k.
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneState Gazette actNBB 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 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Gent · 1 establishment unit since 2020
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.
Blekerijstraat 879000 GentGround area
157 m²
Building footprint
157 m²
Volume, LiDAR
1,210 m³
Parcel 44021A2901/00V002, Flanders · tallest building 12.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FFECTIVE
since 20202.300.138.234
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44021A2901/00V002 | Flanders | 157 m² | 1 · 157 m² | 12.5 m · 2 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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NO TROUBLE
BE 0466.631.069
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Of 16,886 companies in sector 62100 we hold annual accounts for 8,777. 1,001 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-03-2020
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
62900Other information technology and computer services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.