INFICAT
ActiveINFICAT has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €35k and a net result of €14k. Equity is shrinking by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 37% of 16426 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▲+8
Solvency73▲+6
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.47 against 2.29 in 2024; short-term debt: 33.6% and cash: 35.2% of total assets), and 52.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
47.7%
Return on assets
18.7%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €35k
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 11-06-2026, 50 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
50 d early
2024
44 d early
2023
5 d early
2022
31 d late
2021
25 d late
2020
26 d late
2019
27 d late
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€35k▲ 64.8%
2024 · €21k
2018: €42k
2019: €16k
2020: €27k
2021: €22k
2022: €21k
2023: €15k
2024: €21k
2018 → 2025
Total assets
€73k▲ 44.2%
2024 · €51k
2018: €97k
2019: €63k
2020: €49k
2021: €37k
2022: €59k
2023: €50k
2024: €51k
2018 → 2025
Net result
€14k▲ 119%
2024 · €6k
2018: €12k
2019: €10k
2020: €16k
2021: €10k
2022: €-2k
2023: €-6k
2024: €6k
2018 → 2025
Working capital
€12k▼ 57.1%
2024 · €27k
2018: €28k
2019: €6k
2020: €27k
2021: €21k
2022: €20k
2023: €17k
2024: €27k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€22k-€21k▼ 6.8%€15k▼ 28.5%€21k▲ 42.0%€35k▲ 64.8%
Operating result€15k-€544▼ 96.4%€-5k€9k€21k▲ 134%
Net result€10k-€-2k€-6k▼ 292%€6k€14k▲ 119%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 134% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €73k
Fixed assets
€37k▲ 1,176%
Current assets
€36k▼ 24.4%
Equity and liabilities €73k
Equity
€35k▲ 64.8%
Debt
€38k▲ 29.5%
The debt ratio falls from 58.3% to 52.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€27k▲
2024 · €18k
Cash flow
€19k▲
2024 · €16k
Solvency
47.7%▲
2024 · 41.7%
Current ratio
1.47▼
2024 · 2.29
Quick ratio
1.47▼
2024 · 2.29
Debt / equity
1.10▼
2024 · 1.40
ROE
39.3%▲
2024 · 29.6%
ROA
18.7%▲
2024 · 12.3%
Interest coverage
26.25▼
2024 · 29.45
Debt
€38k▲
2024 · €30k
Debt ≤ 1 year
€25k▲
2024 · €21k
Debt > 1 year
€12k▲
2024 · €9k
Income taxes
€6k▲
2024 · €2k
Staff costs
€56k▲
2024 · €51k
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€51k€73k▲
Fixed assets21/28€3k€37k▲
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€3k€37k▲
Land and buildings22€0€1k▲
Plant, machinery and equipment23€0€0=
Furniture and vehicles24€3k€36k▲
Current assets29/58€48k€36k▼
Amounts receivable within one year40/41€925€2k▲
Other amounts receivable41€925€2k▲
Cash at bank and in hand54/58€40k€26k▼
Deferred charges and accrued income490/1€7k€8k▲
Equity and liabilities
Total equity and liabilities10/49€51k€73k▲
Equity10/15€21k€35k▲
Contributions10/11€19k€19k=
Reserves13€3k€16k▲
Distributable reserves133€3k€16k▲
Profit (loss) carried forward14€-234€470▲
Amounts payable17/49€30k€38k▲
Amounts payable after more than one year17€9k€12k▲
Financial debts170/4€9k€12k▲
Amounts payable within one year42/48€21k€25k▲
Current portion of amounts payable after more than one year42€6k€5k▼
Financial debts43-€253
Credit institutions430/8-€253
Trade debts44€1k€142▼
Suppliers440/4€1k€142▼
Taxes, remuneration and social security45€13k€18k▲
Taxes450/3€3k€6k▲
Remuneration and social security454/9€10k€11k▲
Other amounts payable47/48€874€2k▲
Accrued charges and deferred income492/3€66€1k▲
Income statement
Code20242025
Remuneration, social security and pensions62€51k€56k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€6k▼
Other operating charges640/8€1k€5k▲
Gross operating margin9900€70k€88k▲
Operating profit (loss)9901€9k€21k▲
Financial charges65/66B€620€1k▲
Recurring financial charges65€620€1k▲
Profit (loss) for the period before taxes9903€8k€20k▲
Income taxes67/77€2k€6k▲
Profit (loss) for the period9904€6k€14k▲
Profit (loss) for the period to be appropriated9905€6k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-234€13k▲
Profit (loss) brought forward from the previous period14P€-6k€-234▲
Transfer to equity691/2-€13k
To other reserves6921-€13k
The notes to these accounts (10 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
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €6k
Net result €6k after 2 loss-making years.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-6k
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
31-12
Financial
Highest result since 2018net €16k ▲61.7%
Net result €16k, the highest in the series.
31-12
Financial
Liquidity triplescurrent ratio 3.80
Current ratio from 1.18 to 3.80; short-term debt falls from €31k to €10k.
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
08-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 8 days late
2017
27-07
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
5 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, Beyne-Heusay · 1 establishment unit since 2006
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 Cujenne 84610 Beyne-HeusayGround area
892 m²
Building footprint
142 m²
Volume, LiDAR
888 m³
2 parcels, Wallonia · tallest building 9.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
INFICAT
since 20062.255.964.929
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62013B0185/00Y000 | Wallonia | 699 m² | 1 · 105 m² | 6.9 m · 2 fl. |
| 62013A0123/00R000 | Wallonia | 193 m² | 1 · 37 m² | 9.3 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.
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Of 5,985 companies in sector 86940 we hold annual accounts for 1,809. 1,562 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-09-2006
Fiscal year end31-12
Activities, NACEBEL
86906Human health activities
86940Nursing and midwifery
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.