IFactor
ActiveIFactor has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €348k and a net result of €29k. Equity is growing by ~23.8% per year across the filed fiscal years. Its solvency ranks better than 31% of 17046 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
67
/ 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
Profitability57▼-17
Solvency60▲+3
Growth52=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 5.39 against 4.13 in 2024; short-term debt: 5.6% and cash: 18.2% of total assets), but 65.2% 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 →
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
34.8%
Return on assets
2.9%
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 31-07-2026, 0 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
on the day
2024
6 d early
2023
6 d early
2022
5 d early
2021
8 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€348k▲ 9.2%
2024 · €318k
2021: €88k
2022: €150k
2023: €274k
2024: €318k
2021 → 2025
Total assets
€999k▼ 0.8%
2024 · €1.01M
2021: €129k
2022: €202k
2023: €301k
2024: €1.01M
2021 → 2025
Net result
€29k▼ 34.5%
2024 · €45k
2021: €84k
2022: €63k
2023: €124k
2024: €45k
2021 → 2025
Working capital
€247k▲ 25.2%
2024 · €197k
2021: €79k
2022: €134k
2023: €265k
2024: €197k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€88k-€150k▲ 70.7%€274k▲ 82.0%€318k▲ 16.3%€348k▲ 9.2%
Operating result€107k-€81k▼ 24.3%€75k▼ 7.4%€66k▼ 12.9%€63k▼ 3.4%
Net result€84k-€63k▼ 25.0%€124k▲ 96.6%€45k▼ 64.1%€29k▼ 34.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 3% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €999k
Fixed assets
€696k▼ 6.9%
Current assets
€303k▲ 16.5%
Equity and liabilities €999k
Equity
€348k▲ 9.2%
Debt
€651k▼ 5.4%
The debt ratio falls from 68.4% to 65.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€115k▼
2024 · €133k
Cash flow
€80k▼
2024 · €112k
Solvency
34.8%▲
2024 · 31.6%
Current ratio
5.39▲
2024 · 4.13
Quick ratio
5.39▲
2024 · 4.13
Debt / equity
1.87▼
2024 · 2.16
ROE
8.4%▼
2024 · 14.0%
ROA
2.9%▼
2024 · 4.4%
Interest coverage
4.20▼
2024 · 9.12
Debt
€651k▼
2024 · €689k
Debt ≤ 1 year
€56k▼
2024 · €63k
Debt > 1 year
€595k▼
2024 · €626k
Income taxes
€9k▼
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€1.01M€999k▼
Fixed assets21/28€747k€696k▼
Tangible fixed assets22/27€741k€689k▼
Land and buildings22€720k€674k▼
Furniture and vehicles24€21k€16k▼
Financial fixed assets28€6k€6k=
Current assets29/58€260k€303k▲
Amounts receivable within one year40/41€31k€37k▲
Trade receivables40€26k€22k▼
Other amounts receivable41€5k€14k▲
Current investments50/53€72k€79k▲
Cash at bank and in hand54/58€155k€182k▲
Deferred charges and accrued income490/1€3k€6k▲
Equity and liabilities
Total equity and liabilities10/49€1.01M€999k▼
Equity10/15€318k€348k▲
Contributions10/11€4k€4k=
Profit (loss) carried forward14€314k€344k▲
Amounts payable17/49€689k€651k▼
Amounts payable after more than one year17€626k€595k▼
Financial debts170/4€623k€595k▼
Other amounts payable178/9€3k-
Amounts payable within one year42/48€63k€56k▼
Current portion of amounts payable after more than one year42€32k€33k▲
Financial debts43€5k€5k▼
Credit institutions430/8€5k€5k▼
Trade debts44€3k€7k▲
Suppliers440/4€3k€7k▲
Taxes, remuneration and social security45€20k€8k▼
Taxes450/3€18k€5k▼
Remuneration and social security454/9€2k€4k▲
Other amounts payable47/48€4k€4k▲
Accrued charges and deferred income492/3-€288
Income statement
Code20242025
Non-recurring operating income76A-€3k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€67k€51k▼
Other operating charges640/8€1k€1k▲
Non-recurring operating charges66A€873-
Gross operating margin9900€135k€116k▼
Operating profit (loss)9901€66k€63k▼
Financial income75/76B€5k€2k▼
Recurring financial income75€5k€2k▼
Financial charges65/66B€15k€27k▲
Recurring financial charges65€15k€27k▲
Profit (loss) for the period before taxes9903€56k€38k▼
Income taxes67/77€12k€9k▼
Profit (loss) for the period9904€45k€29k▼
Profit (loss) for the period to be appropriated9905€45k€29k▼
Appropriation of the result
Profit (loss) to be appropriated9906€314k€344k▲
Profit (loss) brought forward from the previous period14P€270k€314k▲
The notes to these accounts (11 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €29k ▼34.5%
Net result drops to €29k, the lowest in the series.
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2021net €124k ▲96.6%
Net result €124k, the highest in the series.
31-12
Financial
Liquidity triplescurrent ratio 10.63
Current ratio from 3.61 to 10.63; short-term debt falls from €51k to €27k.
31-12
Financial
Equity above €200kEq €274k ▲82%
3 profitable years in a row build equity to €274k.
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €150k ▲70.7%
2 profitable years in a row build equity to €150k.
23-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Deinze · 1 establishment unit since 2021
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.
Biezestraat 109850 DeinzeGround area
1,322 m²
Building footprint
187 m²
Volume, LiDAR
798 m³
Parcel 44044B1192/00B000, Flanders · tallest building 7.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
IFactor
since 20212.313.089.615
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44044B1192/00B000 | Flanders | 1,322 m² | 1 · 187 m² | 7.1 m · 1 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 225 EUR awarded · 225 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 225 EUR | 225 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
699400HG60UCD3X24I84
Similar companies · same sector, comparable size
The Service Company
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ONDA STRATEGIES
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ABE-HR
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Make it Work C-Two
BE 0705.824.656
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TIMOTHY VOORSPOELS
BE 0828.374.357
Deinze · Eq €348k
Of 30,000 companies in sector 62200 we hold annual accounts for 18,395. 13,331 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-02-2021
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
62010Computer programming, consultancy and related activities
62900Other information technology and computer services
62100Computer programming
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.