INTEGRAL SOFTWARE
ActiveINTEGRAL SOFTWARE has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €762k and a net result of €629k. Equity is shrinking by ~5.6% per year across the filed fiscal years. Its solvency ranks better than 58% of 3166 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency89▼-9
Growth43▲+1
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity ample (current ratio 1.56 against 1.92 in 2024), and 37.5% 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 62
Relative position
BE, all sectors
reference
Sector 62
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
62.5%
Return on assets
51.6%
Age of the figures
8 mo
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 26-05-2026, 66 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
66 d early
2024
4 d late
2023
19 d early
2022
109 d early
2021
67 d early
2020
65 d early
2019
95 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€1.33M▼ 1.7%
2024 · €1.35M
2018: €2.01M
2019: €2.02M
2020: €1.61M
2021: €1.38M
2022: €1.39M
2023: €1.40M
2024: €1.35M
2018 → 2025
EBIT margin
35.2%▼ 0.5pp
2024 · 35.7%
2018: 17.8%
2019: 24.5%
2020: 26.5%
2021: 27.2%
2022: 31.2%
2023: -21.5%
2024: 35.7%
2018 → 2025
Net result
€629k▲ 86.2%
2024 · €338k
2018: €201k
2019: €288k
2020: €352k
2021: €250k
2022: €351k
2023: €-437k
2024: €338k
2018 → 2025
Working capital
€254k▼ 4.1%
2024 · €265k
2018: €292k
2019: €318k
2020: €384k
2021: €188k
2022: €278k
2023: €120k
2024: €265k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€1.38M-€1.39M▲ 0.2%€1.40M▲ 1.2%€1.35M▼ 3.7%€1.33M▼ 1.7%
Equity€1.24M-€1.34M▲ 8.1%€687k▼ 48.9%€804k▲ 17.2%€762k▼ 5.2%
Operating result€377k-€433k▲ 14.9%€-302k€482k€468k▼ 3.0%
Net result€250k-€351k▲ 40.3%€-437k€338k€629k▲ 86.2%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.22M
Fixed assets
€508k▼ 5.8%
Current assets
€711k▲ 28.4%
Equity and liabilities €1.22M
Equity
€762k▼ 5.2%
Debt
€457k▲ 58.3%
The debt ratio rises from 26.4% to 37.5%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€498k▼
2024 · €512k
Cash flow
€660k▲
2024 · €368k
Solvency
62.5%▼
2024 · 73.6%
Current ratio
1.56▼
2024 · 1.92
Quick ratio
1.56▼
2024 · 1.92
Debt / equity
0.60▲
2024 · 0.36
ROE
82.6%▲
2024 · 42.0%
ROA
51.6%▲
2024 · 30.9%
Interest coverage
163.01▲
2024 · 105.99
Debt
€457k▲
2024 · €288k
Debt ≤ 1 year
€457k▲
2024 · €288k
Income taxes
€109k▼
2024 · €152k
Staff costs
€440k▼
2024 · €444k
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€1.09M€1.22M▲
Fixed assets21/28€540k€508k▼
Intangible fixed assets21€439k€439k=
Tangible fixed assets22/27€98k€70k▼
Plant, machinery and equipment23€11k€6k▼
Furniture and vehicles24€87k€64k▼
Financial fixed assets28€3k-
Current assets29/58€553k€711k▲
Amounts receivable after more than one year29€1k€1k=
Trade receivables290€1k€1k=
Amounts receivable within one year40/41€78k€114k▲
Trade receivables40€73k€103k▲
Other amounts receivable41€4k€11k▲
Cash at bank and in hand54/58€474k€595k▲
Equity and liabilities
Total equity and liabilities10/49€1.09M€1.22M▲
Equity10/15€804k€762k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€160k€160k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€154k€154k=
Profit (loss) carried forward14€582k€540k▼
Amounts payable17/49€288k€457k▲
Amounts payable within one year42/48€288k€457k▲
Trade debts44€2k€12k▲
Suppliers440/4€2k€12k▲
Taxes, remuneration and social security45€78k€86k▲
Taxes450/3€19k€25k▲
Remuneration and social security454/9€60k€61k▲
Other amounts payable47/48€208k€359k▲
Income statement
Code20242025
Turnover70€1.35M€1.33M▼
Non-recurring operating income76A-€531
Goods, raw materials, services and sundry goods60/61€423k€419k▼
Remuneration, social security and pensions62€444k€440k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€31k▲
Other operating charges640/8€1k€6k▲
Non-recurring operating charges66A€329-
Gross operating margin9900€957k€945k▼
Operating profit (loss)9901€482k€468k▼
Financial income75/76B€12k€274k▲
Recurring financial income75€12k€6k▼
Non-recurring financial income76B-€268k
Financial charges65/66B€5k€3k▼
Recurring financial charges65€5k€3k▼
Profit (loss) for the period before taxes9903€490k€738k▲
Income taxes67/77€152k€109k▼
Profit (loss) for the period9904€338k€629k▲
Profit (loss) for the period to be appropriated9905€338k€629k▲
Appropriation of the result
Profit (loss) to be appropriated9906€806k€912k▲
Profit (loss) brought forward from the previous period14P€468k€282k▼
Transfer from equity791/2€35k-
Transfer to equity691/2€38k-
To contributions691€35k-
To the legal reserve6920€3k-
Profit to be distributed694/7€220k€371k▲
Return on contributions (dividend)694€200k€350k▲
Employees696€20k€21k▲
Social balance
Average headcount (FTE)90876.56.5=
The notes to these accounts (9 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
26-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Highest result since 2018net €629k ▲86.2%
Net result €629k, the highest in the series.
04-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 4 days late
2024
31-12
Financial
Back to profitnet €338k
Net result €338k after one loss-making year.
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Weakest financial yearnet €-437k ▼225%
Net result drops to €-437k, the lowest in the series; recovery starts the following year.
13-04
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
25-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
27-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
27-04
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
13-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
14-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
16 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, Mons · 1 establishment unit since 2016
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.
Avenue d'Hyon 49/0-67000 MonsGround area
1,883 m²
Building footprint
1,004 m²
Volume, LiDAR
16,838 m³
Parcel 53053D0238/00X002, Wallonia · tallest building 21.4 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
INTEGRAL SOFTWARE
since 20162.254.283.661
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53053D0238/00X002indicative | Wallonia | 1,883 m² | 1 · 1,004 m² | 21.4 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 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 16,811 companies in sector 62100 we hold annual accounts for 8,749. 4,668 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded27-04-1995
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.