In-Contact
ActiveIn-Contact has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (€-14k) and a net result of €-36k. Equity is shrinking by ~44.9% per year across the filed fiscal years. Its solvency ranks better than 5% of 19906 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability100=
Solvency57▲+33
Growth32▼-26
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity ample (current ratio 1.55 against 1.07 in 2023), but equity is negative.
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 86
Relative position
BE, all sectors
reference
Sector 86
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
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 2024Solvency, return and age of the figures
Solvency
-21.2%
Return on assets
-54.7%
Age of the figures
20 mo
raises risk · Negative equity
Equity is negative for financial year 2024: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2024Equity per financial year
2021222324
2020 to 2024 · latest year -€14k
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
14 d early
2022
26 d early
2021
33 d early
2020
89 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€-14k
2023 · €22k
2020: €27k
2021: €21k
2022: €4k
2023: €22k
2020 → 2024
Total assets
€65k▼ 49.3%
2023 · €128k
2020: €91k
2021: €69k
2022: €131k
2023: €128k
2020 → 2024
Net result
€-36k
2023 · €18k
2020: €8k
2021: €-6k
2022: €-17k
2023: €18k
2020 → 2024
Working capital
€16k▲ 440%
2023 · €3k
2020: €-1k
2021: €212
2022: €-33k
2023: €3k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€27k-€21k▼ 21.5%€4k▼ 81.9%€22k▲ 468%€-14k
Operating result€11k-€-5k€-14k▼ 210%€22k€-33k
Net result€8k-€-6k€-17k▼ 198%€18k€-36k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €33k after €22k in 2023, the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €65k
Fixed assets
€20k▼ 75.7%
Current assets
€44k▲ 1.9%
Key figures and ratios
EBITDA
€-29k▼
2023 · €42k
Cash flow
€-31k▼
2023 · €38k
Solvency
-21.2%▼
2023 · 17.0%
Current ratio
1.55▲
2023 · 1.07
Quick ratio
1.55▲
2023 · 1.07
Debt / equity
-5.72▼
2023 · 4.88
ROE
258.0%▲
2023 · 82.4%
ROA
-54.7%▼
2023 · 14.0%
Interest coverage
-11.61▼
2023 · 14.12
Debt
€79k▼
2023 · €106k
Debt ≤ 1 year
€29k▼
2023 · €41k
Debt > 1 year
€50k▼
2023 · €66k
Income taxes
€260▼
2023 · €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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€128k€65k▼
Fixed assets21/28€84k€20k▼
Tangible fixed assets22/27€76k€18k▼
Land and buildings22€20k€17k▼
Furniture and vehicles24€18k€2k▼
Other tangible fixed assets26€38k€0▼
Financial fixed assets28€8k€2k▼
Current assets29/58€44k€44k▲
Amounts receivable within one year40/41€3k€4k▲
Trade receivables40€3k€3k▲
Other amounts receivable41€407€2k▲
Cash at bank and in hand54/58€39k€40k▲
Deferred charges and accrued income490/1€2k€274▼
Equity and liabilities
Total equity and liabilities10/49€128k€65k▼
Equity10/15€22k€-14k▼
Contributions10/11€19k€19k=
Reserves13€8k€8k=
Distributable reserves133€8k€8k=
Profit (loss) carried forward14€-5k€-41k▼
Amounts payable17/49€106k€79k▼
Amounts payable after more than one year17€66k€50k▼
Financial debts170/4€66k€50k▼
Amounts payable within one year42/48€41k€29k▼
Current portion of amounts payable after more than one year42€15k€16k▲
Trade debts44€21k€10k▼
Suppliers440/4€21k€10k▼
Taxes, remuneration and social security45€2k€2k▼
Taxes450/3€2k€2k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€2k€1k▼
Income statement
Code20232024
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€4k▼
Other operating charges640/8€7k€22k▲
Gross operating margin9900€49k€-7k▼
Operating profit (loss)9901€22k€-33k▼
Financial income75/76B€47€42▼
Recurring financial income75€47€42▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€19k€-35k▼
Income taxes67/77€1k€260▼
Profit (loss) for the period9904€18k€-36k▼
Profit (loss) for the period to be appropriated9905€18k€-36k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-5k€-41k▼
Profit (loss) brought forward from the previous period14P€-23k€-5k▲
The notes to these accounts (17 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Weakest financial yearnet €-36k ▼298%
Net result drops to €-36k, the lowest in the series.
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €18k
Net result €18k after 2 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 1.07
Current ratio from 0.47 to 1.07; short-term debt falls from €62k to €41k.
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 89 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2025
Decuypere Peter Remi Maria
CurrentDirector · since 07-08-2025
07-08-2025
Resigned as Director
07-08-2025
Appointed as Director
Location & real-estate footprint
Registered office, Brakel · 2 establishment units since 2019
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.
Kasteelstraat 699660 BrakelGround area
943 m²
Building footprint
478 m²
Volume, LiDAR
3,253 m³
2 parcels, Flanders · tallest building 12.7 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
In-Contact
since 20192.288.165.464
In-Contact
since 20222.334.575.511
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45028A0489/00B000 | Flanders | 625 m² | 1 · 284 m² | 10.1 m · 2 fl. |
| 45028A0664/00G004 | Flanders | 318 m² | 1 · 194 m² | 12.7 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
BLT
BE 0886.076.291
Bree · Eq €22k
OriGaMind
BE 1015.888.819
Braine-l'Alleud · Eq €22k
SEBO CREATIONS
BE 1005.678.875
Mons · Eq €22k
Poièsis
BE 0782.591.446
Oudergem · Eq €22k
Curioza
BE 1007.491.983
Tessenderlo-Ham · Eq €22k
Of 5,519 companies in sector 86931 we hold annual accounts for 549. 439 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-04-2019
Fiscal year end31-12
Activities, NACEBEL
86904Human health activities
86931Psychology services
68203Renting and operating of own or leased non-residential real estate, excluding land
85599Other education
96999Other personal services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.