Equity
€3.6m ▲ 13.5%
In Petto has made a profit without a break since 2008.
In Petto
Lifetime
20 annual accounts with figures on one time axis, 36 filings since 1989peak €2.5m (2019)
€371,659▲ 185%
lowest -€7,322 (2007)
€423,796▲ 265%
peak €3.6m (2025)
€3.6m▲ 13.5%
€5.1m▲ 38.8%
Board1 name since 2021
1 directorGOVAERT,Chris Cyriel
Documentsfilings and deeds
08-07-202623 days before the deadline
2025micro format
Gross margin from €130,384 to €371,659Result from €116,223 to €423,796Equity from €3.2m to €3.6mDebts from €3.7m to €5.1mInvestments €844,360Cash from €86,427 to €58,134
Key points
from the 2025 annual accountsResult
€423,796 ▲ 265%
The result rose in 2025: mostly from a one-off income of €380,681.
Debts
€5.1m ▲ 38.8%
Debts rose by €1.4m in 2025.
Investments
€1.5m 60.6 × depreciation
Green is investment, beige is depreciation. Land and buildings stand 98.7% higher than in 2024.
Filings
36 annual accounts since 1989
Four of the last ten came late. The 2023 accounts came latest: 23 days after the end of the period.
Position in the sector
€423,796
Higher net result than 95% of companies in computer programming and consultancy. Sector median €28,568 · 21,223 companies.
Checked score
93
Excellent
Financially stronger than 41% of small companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 1,167 companies (NACE 62, small).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: 0.1%▲ +0.1 percentage points vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025highest value
08-2025: < 0.1%▼ -0.1 percentage points vs 07-2025lowest value
09-2025: < 0.1%● unchanged vs 08-2025lowest value
10-2025: < 0.1%● unchanged vs 09-2025lowest value
11-2025: < 0.1%● unchanged vs 10-2025lowest value
12-2025: < 0.1%● unchanged vs 11-2025lowest value
01-2026: < 0.1%● unchanged vs 12-2025lowest value
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: 0.1%▲ +0.1 percentage points vs 06-2026
08-2026: < 0.1%▼ -0.1 percentage points vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Liquidity: current ratio 0.87, cash €58,134
lowers risk
Size: total assets €8.7m
Figures for financial year 2025 (filed on 08-07-2026)
Founded in 1988
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, small). It does better than 53% of them on solvency, 16% on liquidity, 38% on profitability and 60% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 1,887 companies had the same profile as In Petto has now. Each dot stands for 5 companies, two years later.
97.9%
were still trading
2.0%
stopped another way
0.1%
went bankrupt
That fits the bankruptcy probability of In Petto itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,887 companies, not a prediction for In Petto. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €330,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.87 (0.87 in 2024), below 1. Short-term debt is 55.6% and cash 0.7% of total assets. 58.7% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 days early
2024
29 days early
2023
23 days late
2022
18 days early
2021
19 days late
2020
18 days late
2019
9 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 3 days before the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 13 July (4 of the last 5 accounts filed within 37 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0434502095
Legal-form change · Resignations & appointments
Appointment: GOVAERT, Chris Cyriel (director) · GOVAERT, Chris Cyriel holds all the shares · General meeting of 25-04-2023 · Gazette deed
Environmental permit granted
Bouwen of herbouwen, Slopen van niet vrijstaande gebouwen of constructies · Provincie Oost-Vlaanderen
First establishment
IN PETTO BVBA, Karel Picquélaan 152, Deinze
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| In Petto Oosterzele | €8.7m | €371,659 | 41.3% | - |
| CABAU Ghent | €5.7m | €300,116 | 98.1% | - |
| DISA Herstal | €7.4m | €243,262 | 11.2% | 2 |
| M.S.A. INTERNATIONAL Geel | €8.0m | €234,751 | 18.1% | 0.6 |
| CAVE-SERVICES Kontich | €6.4m | €665,733 | 8.9% | - |
| SERVICE I.T. Lokeren | €4.1m | €474,878 | 81.8% | 1 |
| e - Compass Zottegem | €4.0m | €375,212 | -10.2% | 3.4 |
These companies have the same main activity as In Petto: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €4m and €8m, founded between 1986 and 2000.
Official details
Source: KBO- Status
- Active since 15-06-1988Normal situation
- Activity
- Computer consultancy and computer facilities managementNACE 62200
- Establishment unit
- 2.038.727.6879800 Deinze, since 06-02-1992
- Financial year end
- 31 December
- Peppol
- Reachable since 17-12-2025
Annual accounts 2025
- ≈ €970,000estimated
- €8.7m▲ 27.1%
- Filing
- Filed on 08-07-2026, 23 days before the end of the filing period
Insights on In Petto
In Petto files the micro format. That format states no turnover. The gross margin rose from €12,731 in 2006 to €371,659 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about In Petto
- What is the company number of In Petto?
- The company number of In Petto is 0434.502.095. The VAT number is the same number with BE in front: BE 0434.502.095.
- Where is In Petto based?
- The registered office is at Bavegemstraat 14, 9860 Oosterzele.Company details
- What does In Petto do?
- According to the KBO register, the main activity is computer consultancy and computer facilities management (NACE 62200).
- What is the legal form of In Petto?
- In Petto is a private limited company (BV).
- When was In Petto founded?
- In Petto was founded on 15-06-1988.
- Is In Petto still active?
- Yes, In Petto is an active enterprise in the KBO register.
- What is the turnover of In Petto?
- The turnover in financial year 2025 is ≈ €970,000. This figure is estimated from the gross margin of €371,659 and 133 comparable companies (NACE 62200). It probably lies between €670,000 and €1.6m.Financials
- Is In Petto profitable?
- In financial year 2025, In Petto made a profit of €423,796.
- Where can I find the annual accounts of In Petto?
- In Petto filed 36 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of In Petto due?
- In Petto must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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