IoT Insight
ActiveIoT Insight has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €182k and a net result of €-4k. Equity is growing by ~23.5% per year across the filed fiscal years. Its solvency ranks better than 36% of 16989 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability68▼-14
Solvency68▼-32
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 1.65 against 12.71 in 2024; short-term debt: 56.9% and cash: 65.9% of total assets), but 56.9% 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 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
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 05-06-2026, 56 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
56 d early
2024
61 d late
2023
7 d early
2022
28 d late
2021
12 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€182k▼ 55.1%
2024 · €406k
2021: €180k
2022: €252k
2023: €359k
2024: €406k
2021 → 2025
Total assets
€423k▼ 3.4%
2024 · €438k
2021: €218k
2022: €280k
2023: €413k
2024: €438k
2021 → 2025
Net result
€-4k
2024 · €47k
2021: €175k
2022: €72k
2023: €107k
2024: €47k
2021 → 2025
Working capital
€156k▼ 58.4%
2024 · €375k
2021: €165k
2022: €238k
2023: €333k
2024: €375k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€180k-€252k▲ 39.7%€359k▲ 42.4%€406k▲ 13.1%€182k▼ 55.1%
Operating result€229k-€91k▼ 60.2%€138k▲ 51.5%€59k▼ 57.3%€-4k
Net result€175k-€72k▼ 59.1%€107k▲ 49.2%€47k▼ 56.2%€-4k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €4k after €59k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €423k
Fixed assets
€26k▼ 15.1%
Current assets
€397k▼ 2.5%
Equity and liabilities €423k
Equity
€182k▼ 55.1%
Debt
€241k▲ 650%
The debt ratio rises from 7.3% to 56.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€7k▼
2024 · €70k
Cash flow
€7k▼
2024 · €57k
Solvency
43.1%▼
2024 · 92.7%
Current ratio
1.65▼
2024 · 12.71
Quick ratio
1.65▼
2024 · 12.71
Debt / equity
1.32▲
2024 · 0.08
ROE
-2.1%▼
2024 · 11.5%
ROA
-0.9%▼
2024 · 10.7%
Interest coverage
7.16▼
2024 · 256.93
Debt
€241k▲
2024 · €32k
Debt ≤ 1 year
€241k▲
2024 · €32k
Income taxes
€1k▼
2024 · €13k
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€438k€423k▼
Fixed assets21/28€31k€26k▼
Tangible fixed assets22/27€31k€26k▼
Land and buildings22€12k€16k▲
Furniture and vehicles24€19k€10k▼
Current assets29/58€407k€397k▼
Amounts receivable after more than one year29€50k€50k=
Other amounts receivable291€50k€50k=
Amounts receivable within one year40/41€63k€66k▲
Trade receivables40€52k€35k▼
Other amounts receivable41€12k€31k▲
Cash at bank and in hand54/58€291k€279k▼
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€438k€423k▼
Equity10/15€406k€182k▼
Contributions10/11€5k€5k=
Reserves13€401k€177k▼
Distributable reserves133€401k€177k▼
Amounts payable17/49€32k€241k▲
Amounts payable within one year42/48€32k€241k▲
Trade debts44€3k€3k▼
Suppliers440/4€3k€3k▼
Taxes, remuneration and social security45€27k€14k▼
Taxes450/3€25k€12k▼
Remuneration and social security454/9€2k€3k▲
Other amounts payable47/48€2k€224k▲
Accrued charges and deferred income492/3€62€62=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k▲
Other operating charges640/8€3k€3k▼
Gross operating margin9900€73k€10k▼
Operating profit (loss)9901€59k€-4k▼
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€271€1k▲
Recurring financial charges65€271€1k▲
Profit (loss) for the period before taxes9903€60k€-3k▼
Income taxes67/77€13k€1k▼
Profit (loss) for the period9904€47k€-4k▼
Profit (loss) for the period to be appropriated9905€47k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€47k€-4k▼
Transfer from equity791/2-€224k
Transfer to equity691/2€47k-
To other reserves6921€47k-
Profit to be distributed694/7-€220k
Return on contributions (dividend)694-€220k
The notes to these accounts (6 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
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-4k ▼108%
Net result drops to €-4k, the lowest in the series.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Equity above €200kEq €252k ▲39.7%
2 profitable years in a row build equity to €252k.
19-07
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
2 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, Bocholt · 1 establishment unit since 2020
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.
Luysenweg 13950 BocholtGround area
4,697 m²
Building footprint
269 m²
Volume, LiDAR
1,275 m³
Parcel 72003B0782/00P002, Flanders · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
IoT Insight
since 20202.305.508.767
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72003B0782/00P002 | Flanders | 4,697 m² | 1 · 269 m² | 7.5 m · 2 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.
Recognitions · licences · registrations
Legal Entity Identifier
984500BCFCA059E38822
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OnniTI
BE 0638.774.296
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Of 16,878 companies in sector 62100 we hold annual accounts for 8,776. 6,751 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-08-2020
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
62020IT consultancy
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.