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INTELLIGENT SOLUTIONS

Active
Private limited companyfounded 201214 yrs activeNieuwstraat 38, 3440 Zoutleeuw, BelgiumKBO/BCE: BE 0845.112.005

INTELLIGENT SOLUTIONS has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €235k and a net result of €214k. Equity is shrinking by ~5.9% per year across the filed fiscal years. Its solvency ranks better than 15% of 20787 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).

Checked score

Score 2024
73 / 100
Healthy▼ -15 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+3
Solvency25▼-73
Growth58▼-20
Stability100
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity tight (current ratio 1.16 against 2.36 in 2023), and 83.8% of the assets are financed with debt.
Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.
lowers risk+raises riskneutral
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 date
Age against the risk zone
elevated failure risk from 2 to 8 years 14 years 0 20 y
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 20787 sector peers (2024).
NBB · sector comparison
Position among 20787 sector peers
Solvency
better than 15%
← weakest strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 07-10-2025, 68 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
not confirmed
2024
68 d late
2023
75 d late
2022
112 d late
2021
452 d late
2020
817 d late
2019
1182 d late
← before the deadline after the deadline →
neutral · 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

Financials · fiscal year 2024, micro schema

Equity
€235k▼ 66.1%
2023 · €693k
2018: €398k 2019: €377k 2020: €353k 2021: €316k 2022: €552k 2023: €693k
2018 → 2024
Total assets
€1.45M▲ 25.0%
2023 · €1.16M
2018: €434k 2019: €471k 2020: €454k 2021: €549k 2022: €941k 2023: €1.16M
2018 → 2024
Net result
€214k▲ 59.7%
2023 · €134k
2018: €-20k 2019: €-21k 2020: €-24k 2021: €-38k 2022: €237k 2023: €134k
2018 → 2024
Working capital
€189k▼ 70.2%
2023 · €633k
2018: €347k 2019: €351k 2020: €310k 2021: €294k 2022: €534k 2023: €633k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20202021202220232024Trend
Equity€353k-€316k▼ 10.6%€552k▲ 75.0%€693k▲ 25.4%€235k▼ 66.1%
Operating result€-44k-€-55k▼ 22.8%€233k€144k▼ 38.4%€197k▲ 37.4%
Net result€-24k-€-38k▼ 59.6%€237k€134k▼ 43.3%€214k▲ 59.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€-100k€0€100k€200kOperating result 2020: €-44k€-44kNet result 2020: €-24k€-24kOperating result 2021: €-55k€-55kNet result 2021: €-38k€-38kOperating result 2022: €233k€233kNet result 2022: €237k€237kOperating result 2023: €144k€144kNet result 2023: €134k€134kOperating result 2024: €197k€197kNet result 2024: €214k€214k20202021202220232024
The operating result recovers in 2024; 2024 is 37% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.45M
Fixed assets €46k▼ 23.1%
Current assets €1.40M▲ 27.6%
Equity and liabilities €1.45M
Equity €235k▼ 66.1%
Debt €1.21M▲ 161%
The debt ratio rises from 40.2% to 83.8%: debt grows while equity shrinks.
Key figures and ratios
2024 value · change against 2023
EBITDA
€214k
2023 · €154k
Cash flow
€231k
2023 · €145k
Solvency
16.2%
2023 · 59.8%
Current ratio
1.16
2023 · 2.36
Quick ratio
1.16
2023 · 2.36
Debt / equity
5.16
2023 · 0.67
ROE
91.3%
2023 · 19.4%
ROA
14.8%
2023 · 11.6%
Interest coverage
3.28
2023 · 1.66
Debt
€1.21M
2023 · €465k
Debt ≤ 1 year
€1.21M
2023 · €465k
Income taxes
€39k
2023 · €21k
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 · 2024 against 2023
Balance sheet Code20232024
Assets
Total assets20/58€1.16M€1.45M
Fixed assets21/28€60k€46k
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€59k€45k
Plant, machinery and equipment23€1k€3k
Furniture and vehicles24€58k€42k
Financial fixed assets28€1k€1k=
Current assets29/58€1.10M€1.40M
Amounts receivable within one year40/41€640k€938k
Trade receivables40€20k€212k
Other amounts receivable41€619k€726k
Cash at bank and in hand54/58€458k€463k
Equity and liabilities
Total equity and liabilities10/49€1.16M€1.45M
Equity10/15€693k€235k
Contributions10/11€20k€20k=
Reserves13€403k-
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€403k-
Profit (loss) carried forward14€269k€214k
Amounts payable17/49€465k€1.21M
Amounts payable within one year42/48€465k€1.21M
Trade debts44€381k€536k
Suppliers440/4€381k€536k
Advances received on contracts in progress46€45k-
Taxes, remuneration and social security45€38k€4k
Taxes450/3€38k€4k
Remuneration and social security454/9€217€217=
Other amounts payable47/48-€672k
Income statement Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€16k
Other operating charges640/8€663€4k
Gross operating margin9900€155k€218k
Operating profit (loss)9901€144k€197k
Financial income75/76B€105k€121k
Recurring financial income75€105k€121k
Financial charges65/66B€93k€65k
Recurring financial charges65€93k€65k
Profit (loss) for the period before taxes9903€156k€254k
Income taxes67/77€21k€39k
Profit (loss) for the period9904€134k€214k
Profit (loss) for the period to be appropriated9905€134k€214k
Appropriation of the result
Profit (loss) to be appropriated9906€269k€483k
Profit (loss) brought forward from the previous period14P€135k€269k
Transfer from equity791/2-€403k
Profit to be distributed694/7-€672k
Return on contributions (dividend)694-€672k

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

2025
07-10
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 68 days late
2024
14-10
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 75 days late
2023
20-11
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 112 days late
26-10
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 452 days late
26-10
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 817 days late
26-10
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 1182 days late
2022
31-12
Financial Back to profitnet €237k
Net result €237k after 4 loss-making years.
31-12
Financial Equity above €500kEq €552k ▲75%
Equity rises from €316k to €552k.
2021
31-12
Financial Weakest financial yearnet €-38k
Net result drops to €-38k, the lowest in the series; recovery starts the following year.
2019
29-08
NBB filing Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
31-08
NBB filing Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
04-01
NBB filing Annual accounts filed
fiscal year 2016 · micro schema · 157 days late
2016
21-12
NBB filing Annual accounts filed
fiscal year 2015 · abbreviated schema · 143 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors
4 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, Zoutleeuw · 1 establishment unit since 2013
establishment The establishment unit on the map
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.

Nieuwstraat 383440 Zoutleeuw
Ground area
240 m²
Building footprint
22 m²
Volume, LiDAR
61 m³
Parcel 24130A0034/00Z007, Flanders · tallest building 3.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
INTELLIGENT SOLUTIONS
Nieuwstraat 38, 3440 ZoutleeuwComputer programming, consultancy and related activities
since 20132.217.858.082
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
24130A0034/00Z007 Flanders 240 m² 1 · 22 m² 3.5 m · 1 fl.
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.

Similar companies · same sector, comparable size

Of 29,885 companies in sector 62200 we hold annual accounts for 18,321. 14,282 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification
Legal formPrivate limited company
Founded05-04-2012
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
62010Computer programming, consultancy and related activities
62100Computer programming
Sources
Crossroads Bank for EnterprisesNational Bank · 11 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.