in2M
Activein2M has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €275k and a net result of €68k. Equity is growing by ~37.5% per year across the filed fiscal years. Its solvency ranks better than 89% of 17046 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
94
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability97▼-3
Solvency100▲+7
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 11.21 against 2.98 in 2024; short-term debt: 8.8% and cash: 84.5% of total assets), and 8.8% of the assets are financed with debt.
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 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
91.2%
Return on assets
22.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
26 d late
2024
on the day
2023
19 d late
2022
37 d early
2021
6 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
€275k▲ 32.9%
2024 · €207k
2021: €67k
2022: €142k
2023: €207k
2024: €207k
2021 → 2025
Total assets
€302k▼ 1.2%
2024 · €306k
2021: €154k
2022: €192k
2023: €289k
2024: €306k
2021 → 2025
Net result
€68k▼ 18.5%
2024 · €84k
2021: €62k
2022: €75k
2023: €65k
2024: €84k
2021 → 2025
Working capital
€273k▲ 39.4%
2024 · €196k
2021: €29k
2022: €113k
2023: €187k
2024: €196k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€67k-€142k▲ 111%€207k▲ 45.6%€207k=€275k▲ 32.9%
Operating result€88k-€107k▲ 20.9%€92k▼ 14.0%€109k▲ 18.4%€105k▼ 3.9%
Net result€62k-€75k▲ 20.0%€65k▼ 13.5%€84k▲ 29.2%€68k▼ 18.5%
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 4% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €302k
Fixed assets
€3k▼ 78.0%
Current assets
€300k▲ 1.8%
Equity and liabilities €302k
Equity
€275k▲ 32.9%
Debt
€27k▼ 72.9%
The debt ratio falls from 32.3% to 8.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€113k▼
2024 · €118k
Cash flow
€77k▼
2024 · €93k
Solvency
91.2%▲
2024 · 67.7%
Current ratio
11.21▲
2024 · 2.98
Quick ratio
11.21▲
2024 · 2.98
Debt / equity
0.10▼
2024 · 0.48
ROE
24.8%▼
2024 · 40.4%
ROA
22.6%▼
2024 · 27.4%
Interest coverage
1052.89▼
2024 · 1539.33
Debt
€27k▼
2024 · €99k
Debt ≤ 1 year
€27k▼
2024 · €99k
Income taxes
€36k▲
2024 · €25k
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€306k€302k▼
Fixed assets21/28€11k€3k▼
Tangible fixed assets22/27€11k€3k▼
Furniture and vehicles24€11k€3k▼
Current assets29/58€294k€300k▲
Amounts receivable within one year40/41€37k€44k▲
Trade receivables40€32k€39k▲
Other amounts receivable41€5k€5k=
Cash at bank and in hand54/58€257k€255k▼
Deferred charges and accrued income490/1€680€652▼
Equity and liabilities
Total equity and liabilities10/49€306k€302k▼
Equity10/15€207k€275k▲
Contributions10/11€5k€5k=
Reserves13€202k€270k▲
Distributable reserves133€202k€270k▲
Amounts payable17/49€99k€27k▼
Amounts payable within one year42/48€99k€27k▼
Trade debts44-€1k
Suppliers440/4-€1k
Taxes, remuneration and social security45€9k€23k▲
Taxes450/3€9k€23k▲
Other amounts payable47/48€90k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k▼
Other operating charges640/8€385€524▲
Gross operating margin9900€118k€114k▼
Operating profit (loss)9901€109k€105k▼
Financial income75/76B€5€8▲
Recurring financial income75€5€8▲
Financial charges65/66B€77€108▲
Recurring financial charges65€77€108▲
Profit (loss) for the period before taxes9903€109k€104k▼
Income taxes67/77€25k€36k▲
Profit (loss) for the period9904€84k€68k▼
Profit (loss) for the period to be appropriated9905€84k€68k▼
Appropriation of the result
Profit (loss) to be appropriated9906€84k€68k▼
Transfer to equity691/2-€68k
To other reserves6921-€68k
Profit to be distributed694/7€84k-
Return on contributions (dividend)694€84k-
The notes to these accounts (4 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
31-12
Financial
Liquidity quadruplescurrent ratio 11.21
Current ratio from 2.98 to 11.21; short-term debt falls from €99k to €27k.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €84k ▲29.2%
Operating result €109k, net result €84k, both a record.
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
31-12
Financial
Equity above €200kEq €207k ▲45.6%
3 profitable years in a row build equity to €207k.
24-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity doublescurrent ratio 3.29
Current ratio from 1.33 to 3.29; short-term debt falls from €86k to €49k.
31-12
Financial
Equity above €100kEq €142k ▲111%
2 profitable years in a row build equity to €142k.
25-07
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, Pont-à-Celles · 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.
Rue Les Bois(BUZ) 226230 Pont-à-CellesGround area
2,827 m²
Building footprint
176 m²
Parcel 52009A0325/00E000, Wallonia. Linked by address, not a title deed.
1 establishment unit
in2M
since 20212.315.121.368
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52009A0325/00E000 | Wallonia | 2,827 m² | 1 · 176 m² | - |
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.
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Of 16,887 companies in sector 62100 we hold annual accounts for 8,777. 6,272 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-03-2021
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
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.