INFORMATIQUE PROGRAMMATION ANALYSE CONCEPTION

Active

Private limited companyfounded 198838 yrs activeGentsesteenweg 443, 1080 Sint-Jans-Molenbeek, BelgiumKBO/BCE: BE 0433.585.743

Summary

INFORMATIQUE PROGRAMMATION ANALYSE CONCEPTION has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €103,975 and a net result of €76,931. Equity is shrinking by ~9% per year across the filed fiscal years. Its solvency ranks better than 29% of 1671 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).

Risk analysisWatch Report Compare

INFORMATIQUE PROGRAMMATION ANALYSE CONCEPTIONActiveChecked score 65/100

Risk analysis Report Compare

Activity

Computer consultancy and computer facilities management

NACE 62200IT consultancy NACE 62020NACE 72100

#2 oldest company in Sint-Jans-Molenbeek, Telecoms and IT sector1 site

Size

€659,144total assets 2025

Staff: 3.6 FTE
Equity: €103,975
Profit: €76,931

Financial health

65 Healthy Checked score 2025

Bankruptcy chance 12 m: 1.1%

Structure

Accounts filed 17 d late0 of 4 deeds read

Why 65- Liquidity: current ratio 1.62, cash €724, halved- Latest accounts 17 days late; 2 of the last 3 late- Equity €103,975 (15.8% of total assets)+ Sector Computer programming, consultancy and related activities (NACE 62)Show the evidence

Checked score

Score 2025

65 / 100

Healthy

Probability in this band: 0.55% to 1.5%

Better than 34% of its sector peers (NACE 62, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Average

Solvency 41+3

equity 15.8% of total assets

Liquidity 24-11

short-term debt 51.2% · cash 0.1%

Profitability 83-1

return on assets 11.7%

Bankruptcy probability, 12 months

1.1% Low

0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (25,829 companies)

Last 24 months 11-2024: 0.6% 12-2024: 0.7%▲ +8.6% vs 11-2024 01-2025: 0.8%▲ +17.4% vs 12-2024 02-2025: 0.6%▼ -20.3% vs 01-2025 03-2025: 0.6%● 0.0% vs 02-2025 04-2025: 0.6%▼ -0.6% vs 03-2025 05-2025: 0.6%● 0.0% vs 04-2025 06-2025: 0.6%▼ -0.8% vs 05-2025 07-2025: 0.6%▼ -2.3% vs 06-2025 08-2025: 0.6%▼ -4.7% vs 07-2025lowest value 09-2025: 0.6%▲ +4.9% vs 08-2025 10-2025: 0.7%▲ +18.3% vs 09-2025 11-2025: 1.0%▲ +35.9% vs 10-2025 12-2025: 0.9%▼ -10.6% vs 11-2025 01-2026: 0.9%● 0.0% vs 12-2025 02-2026: 0.9%● 0.0% vs 01-2026 03-2026: 0.9%● 0.0% vs 02-2026 04-2026: 0.9%● 0.0% vs 03-2026 05-2026: 0.9%● 0.0% vs 04-2026 06-2026: 0.9%▲ +0.3% vs 05-2026 07-2026: 0.8%▼ -2.4% vs 06-2026 08-2026: 0.8%▼ -3.3% vs 07-2026 09-2026: 0.9%▲ +5.3% vs 08-2026 10-2026: 1.1%▲ +29.8% vs 09-2026highest value

Liquidity: current ratio 1.62, cash €724, halved raises the probability
Latest accounts 17 days late; 2 of the last 3 late raises the probability
Equity €103,975 (15.8% of total assets) raises the probability
Sector Computer programming, consultancy and related activities (NACE 62) lowers the probability

Credit up to €6,000 at 30 days acceptable

Liquidity ample (current ratio 1.62 against 2.13 in 2024; short-term debt: 51.2% and cash: 0.1% of total assets), but 84.2% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 62, micro). Better than this share of them on solvency 19%, liquidity 9%, profitability 44%, growth against the median 65%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 06-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Liquidity: current ratio 1.62, cash €724, halved

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Latest accounts 17 days late; 2 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Equity €103,975 (15.8% of total assets)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Sector Computer programming, consultancy and related activities (NACE 62)

In the bankruptcy model this factor lowers the probability.

KBO

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 2025

Equity per financial year

19202122232425

2019 to 2025 · latest year €103,975

Filed after the deadline

The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 17-11-2025, 17 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 · 10 filings

Deviation from the deadline

2025

17 d late

2024

92 d late

2023

45 d late

2022

18 d late

2021

60 d late

2020

40 d late

2019

21 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 42 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.

Checked, nothing found (2)

The next deadline is still running

The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today. Usually files around 15 December (4 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

31-03-2026 close07-10-2026 today31-10-2026 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

17-11-25 Annual accounts filedfiscal year 2025 · full…
31-03-25 Equity above €100,000Eq €103,975 ▲19.8%
31-01-25 Annual accounts filedfiscal year 2024 · full…

Key points

Positive: Oldest company in Sint-Jans-Molenbeek, Telecoms and IT sectorin the Checked rankings #2 View
Active since 1988founded 02-03-1988 38 years View
Total assets 20256 fiscal years filed €659,144 View