FILOSOFT
ActiveFILOSOFT has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €61k and a net result of €-8k. Equity is shrinking by ~9.1% per year across the filed fiscal years. Its solvency ranks better than 45% of 2692 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability63▼-12
Solvency65▲+2
Growth58=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity short (current ratio 0.58 against 0.81 in 2024; short-term debt: 18.9% and cash: 10.4% of total assets), and 59.8% 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 · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
40.2%
Return on assets
-5%
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 14-05-2026, 78 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
78 d early
2024
25 d late
2023
23 d early
2022
30 d late
2021
30 d late
2020
30 d late
2019
48 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€61k▼ 11.0%
2024 · €69k
2018: €101k
2019: €103k
2020: €99k
2021: €85k
2022: €66k
2023: €59k
2024: €69k
2018 → 2025
Total assets
€152k▼ 15.3%
2024 · €180k
2018: €395k
2019: €395k
2020: €398k
2021: €410k
2022: €431k
2023: €259k
2024: €180k
2018 → 2025
Net result
€-8k
2024 · €9k
2018: €-17k
2019: €2k
2020: €-4k
2021: €-15k
2022: €-19k
2023: €-6k
2024: €9k
2018 → 2025
Working capital
€-12k▼ 133%
2024 · €-5k
2018: €26k
2019: €30k
2020: €25k
2021: €14k
2022: €-29k
2023: €-24k
2024: €-5k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€85k-€66k▼ 22.5%€59k▼ 9.3%€69k▲ 15.8%€61k▼ 11.0%
Operating result€-12k-€-16k▼ 40.4%€-2k▲ 85.4%€15k€-4k
Net result€-15k-€-19k▼ 27.5%€-6k▲ 67.9%€9k€-8k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €4k after €15k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €152k
Fixed assets
€135k▼ 14.4%
Current assets
€17k▼ 22.0%
Equity and liabilities €152k
Equity
€61k▼ 11.0%
Debt
€91k▼ 18.0%
The debt ratio falls from 61.7% to 59.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€27k▼
2024 · €46k
Cash flow
€24k▼
2024 · €41k
Solvency
40.2%▲
2024 · 38.3%
Current ratio
0.58▼
2024 · 0.81
Quick ratio
0.58▼
2024 · 0.81
Debt / equity
1.49▼
2024 · 1.61
ROE
-12.3%▼
2024 · 13.7%
ROA
-5.0%▼
2024 · 5.2%
Interest coverage
9.34▼
2024 · 13.72
Debt
€91k▼
2024 · €111k
Debt ≤ 1 year
€29k▲
2024 · €27k
Debt > 1 year
€61k▼
2024 · €84k
Income taxes
€589▼
2024 · €2k
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€180k€152k▼
Fixed assets21/28€158k€135k▼
Tangible fixed assets22/27€158k€135k▼
Furniture and vehicles24€306€7k▲
Other tangible fixed assets26€158k€128k▼
Current assets29/58€22k€17k▼
Amounts receivable within one year40/41€19k€1k▼
Trade receivables40€11k-
Other amounts receivable41€8k€1k▼
Cash at bank and in hand54/58€3k€16k▲
Equity and liabilities
Total equity and liabilities10/49€180k€152k▼
Equity10/15€69k€61k▼
Contributions10/11€19k€19k=
Reserves13€50k€43k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€48k€41k▼
Amounts payable17/49€111k€91k▼
Amounts payable after more than one year17€84k€61k▼
Financial debts170/4€84k€61k▼
Amounts payable within one year42/48€27k€29k▲
Current portion of amounts payable after more than one year42€19k€18k▼
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Advances received on contracts in progress46€3k€3k=
Taxes, remuneration and social security45€3k€5k▲
Taxes450/3€3k€5k▲
Accrued charges and deferred income492/3-€900
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€31k▲
Other operating charges640/8€7k€7k▼
Gross operating margin9900€53k€34k▼
Operating profit (loss)9901€15k€-4k▼
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€12k€-7k▼
Income taxes67/77€2k€589▼
Profit (loss) for the period9904€9k€-8k▼
Profit (loss) for the period to be appropriated9905€9k€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€9k€-8k▼
Transfer from equity791/2-€8k
Transfer to equity691/2€9k-
To other reserves6921€9k-
The notes to these accounts (13 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
14-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 25 days late
2024
31-12
Financial
Back to profitnet €9k
Net result €9k after 4 loss-making years.
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
31-12
Financial
Weakest financial yearnet €-19k
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2020
17-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 48 days late
2019
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 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, Antwerpen · 1 establishment unit since 2000
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.
Desguinlei 902018 AntwerpenGround area
7,753 m²
Building footprint
1,699 m²
Volume, LiDAR
81,020 m³
Parcel 11810K2181/00G002, Flanders · tallest building 49.6 m, ±16 floors. Linked by address, not a title deed.
1 establishment unit
Desguinlei 90, 2018 Antwerpen
since 20002.099.300.724
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11810K2181/00G002 | Flanders | 7,753 m² | 1 · 1,699 m² | 49.6 m · 16 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.
Recognitions · licences · registrations
Legal Entity Identifier
5493009MN6YVYSDPMD60
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Of 30,000 companies in sector 62200 we hold annual accounts for 18,395. 15,472 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded26-11-1999
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
72100
62010Computer programming, consultancy and related activities
62100Computer programming
72220
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.