HEAD IN CLOUD
ActiveHEAD IN CLOUD has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19k and a net result of €7k. Equity is growing by ~22.4% per year across the filed fiscal years. Its solvency ranks better than 13% of 16942 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability64▼-25
Solvency33▼-32
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.7 against 1.96 in 2024; short-term debt: 48.4% and cash: 8.8% of total assets), and 92.2% 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
7.8%
Return on assets
2.9%
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 13% of 16942 sector peers (2025).
NBB · sector comparisonPosition among 16942 sector peers
Solvency
better than 13%
← 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 27-04-2026, 95 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
95 d early
2024
67 d early
2023
84 d early
2022
77 d early
2021
80 d early
2020
82 d early
2019
78 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€19k▼ 81.4%
2024 · €101k
2018: €26k
2019: €37k
2020: €46k
2021: €55k
2022: €74k
2023: €83k
2024: €101k
2018 → 2025
Total assets
€240k▼ 5.3%
2024 · €254k
2018: €77k
2019: €65k
2020: €69k
2021: €97k
2022: €104k
2023: €242k
2024: €254k
2018 → 2025
Net result
€7k▼ 83.4%
2024 · €42k
2018: €14k
2019: €26k
2020: €28k
2021: €39k
2022: €43k
2023: €32k
2024: €42k
2018 → 2025
Working capital
€-35k
2024 · €39k
2018: €22k
2019: €37k
2020: €43k
2021: €53k
2022: €67k
2023: €24k
2024: €39k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€55k-€74k▲ 34.5%€83k▲ 12.1%€101k▲ 21.4%€19k▼ 81.4%
Operating result€51k-€56k▲ 8.9%€46k▼ 16.7%€60k▲ 29.5%€14k▼ 76.1%
Net result€39k-€43k▲ 9.6%€32k▼ 23.6%€42k▲ 28.5%€7k▼ 83.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 76% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €240k
Fixed assets
€159k▼ 8.5%
Current assets
€81k▲ 1.6%
Equity and liabilities €240k
Equity
€19k▼ 81.4%
Debt
€221k▲ 44.9%
The debt ratio rises from 60.3% to 92.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€30k▼
2024 · €75k
Cash flow
€23k▼
2024 · €57k
Solvency
7.8%▼
2024 · 39.7%
Current ratio
0.70▼
2024 · 1.96
Quick ratio
0.70▼
2024 · 1.96
Debt / equity
11.84▲
2024 · 1.52
ROE
37.1%▼
2024 · 41.4%
ROA
2.9%▼
2024 · 16.5%
Interest coverage
4.97▼
2024 · 11.75
Debt
€221k▲
2024 · €153k
Debt ≤ 1 year
€116k▲
2024 · €41k
Debt > 1 year
€105k▼
2024 · €112k
Income taxes
€3k▼
2024 · €12k
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€254k€240k▼
Formation expenses20€0€0=
Fixed assets21/28€174k€159k▼
Tangible fixed assets22/27€174k€159k▼
Land and buildings22€163k€151k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€6k€4k▼
Other tangible fixed assets26€745€601▼
Current assets29/58€80k€81k▲
Amounts receivable within one year40/41€33k€33k▼
Trade receivables40€33k€31k▼
Other amounts receivable41€361€2k▲
Current investments50/53€21k€25k▲
Cash at bank and in hand54/58€24k€21k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€254k€240k▼
Equity10/15€101k€19k▼
Contributions10/11€19k€19k=
Reserves13€82k€147▼
Distributable reserves133€82k€147▼
Amounts payable17/49€153k€221k▲
Amounts payable after more than one year17€112k€105k▼
Financial debts170/4€112k€105k▼
Amounts payable within one year42/48€41k€116k▲
Current portion of amounts payable after more than one year42€7k€7k▲
Trade debts44€1k€3k▲
Suppliers440/4€1k€3k▲
Taxes, remuneration and social security45€5k€10k▲
Taxes450/3€5k€10k▲
Other amounts payable47/48€27k€97k▲
Accrued charges and deferred income492/3-€144
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€16k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€76k€32k▼
Operating profit (loss)9901€60k€14k▼
Financial income75/76B-€2k
Recurring financial income75-€0
Non-recurring financial income76B-€2k
Financial charges65/66B€6k€6k▼
Recurring financial charges65€6k€6k▼
Profit (loss) for the period before taxes9903€54k€10k▼
Income taxes67/77€12k€3k▼
Profit (loss) for the period9904€42k€7k▼
Profit (loss) for the period to be appropriated9905€42k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€42k€7k▼
Transfer from equity791/2-€82k
Transfer to equity691/2€18k€139▼
To other reserves6921€18k€139▼
Profit to be distributed694/7€24k€89k▲
Return on contributions (dividend)694€24k€89k▲
The notes to these accounts (6 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
27-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €7k ▼83.4%
Net result drops to €7k, the lowest in the series.
25-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €101k ▲21.4%
7 profitable years in a row build equity to €101k.
08-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
15-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €43k ▲9.6%
Net result €43k, the highest in the series.
12-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
10-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
14-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
09-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Hemiksem · 1 establishment unit since 2015
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.
Lindelei 2412620 HemiksemGround area
518 m²
Building footprint
156 m²
Volume, LiDAR
1,430 m³
Parcel 11018A0112/00M000, Flanders · tallest building 13.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Head in Cloud
since 20152.242.228.046
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11018A0112/00M000 | Flanders | 518 m² | 1 · 156 m² | 13.8 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 293 EUR awarded · 293 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 293 EUR | 293 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 16,868 companies in sector 62100 we hold annual accounts for 8,779. 5,690 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-05-2015
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
62020IT consultancy
62200Computer consultancy and computer facilities management
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
68110Buying and selling of own real estate
70200Business and other management consultancy
70220Business consulting
74201Photography, excluding press photography
90393Specialised image, lighting and sound technical services
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.