IT&O
ActiveIT&O has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.80M and a net result of €376k. Equity is growing by ~24.4% per year across the filed fiscal years. Its solvency ranks better than 95% of 2820 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
93
/ 100
Excellent▼ -7 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €170k at 30 days acceptable
Liquidity ample (current ratio 11.37 against 17.17 in 2023), and 6.8% 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 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 2024Solvency, return and age of the figures
Solvency
93.2%
Return on assets
19.4%
Age of the figures
20 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-10-2025, 91 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
91 d late
2023
61 d late
2022
4 d early
2021
24 d early
2020
34 d early
2019
4 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€1.80M▲ 26.4%
2023 · €1.42M
2019: €502k
2020: €671k
2021: €915k
2022: €1.15M
2023: €1.42M
2019 → 2024
Total assets
€1.93M▲ 30.2%
2023 · €1.48M
2019: €775k
2020: €837k
2021: €1.07M
2022: €1.24M
2023: €1.48M
2019 → 2024
Net result
€376k▼ 5.2%
2023 · €396k
2019: €149k
2020: €169k
2021: €282k
2022: €317k
2023: €396k
2019 → 2024
Working capital
€1.36M▲ 47.7%
2023 · €918k
2019: €64k
2020: €190k
2021: €433k
2022: €655k
2023: €918k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€671k-€915k▲ 36.4%€1.15M▲ 25.1%€1.42M▲ 24.4%€1.80M▲ 26.4%
Operating result€250k-€410k▲ 63.7%€460k▲ 12.3%€566k▲ 23.1%€492k▼ 13.1%
Net result€169k-€282k▲ 66.6%€317k▲ 12.6%€396k▲ 24.9%€376k▼ 5.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 13% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.93M
Fixed assets
€444k▼ 12.7%
Current assets
€1.49M▲ 52.6%
Equity and liabilities €1.93M
Equity
€1.80M▲ 26.4%
Debt
€131k▲ 123%
The debt ratio rises from 4.0% to 6.8%: debt grows faster than equity.
Key figures and ratios
EBITDA
€544k▼
2023 · €631k
Cash flow
€427k▼
2023 · €461k
Solvency
93.2%▼
2023 · 96.0%
Current ratio
11.37▼
2023 · 17.17
Quick ratio
11.37▼
2023 · 17.17
Debt / equity
0.07▲
2023 · 0.04
ROE
20.9%▼
2023 · 27.8%
ROA
19.4%▼
2023 · 26.7%
Interest coverage
176.81▼
2023 · 399.25
Debt
€131k▲
2023 · €59k
Debt ≤ 1 year
€131k▲
2023 · €57k
Income taxes
€170k▼
2023 · €182k
Staff costs
€64k▼
2023 · €111k
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€1.48M€1.93M▲
Fixed assets21/28€509k€444k▼
Tangible fixed assets22/27€509k€444k▼
Land and buildings22€416k€386k▼
Plant, machinery and equipment23€63k€39k▼
Furniture and vehicles24€29k€20k▼
Financial fixed assets28€125€125=
Current assets29/58€975k€1.49M▲
Amounts receivable after more than one year29€440k€440k=
Other amounts receivable291€440k€440k=
Amounts receivable within one year40/41€245k€521k▲
Trade receivables40€54k€63k▲
Other amounts receivable41€192k€458k▲
Current investments50/53€30k€36k▲
Cash at bank and in hand54/58€217k€444k▲
Deferred charges and accrued income490/1€42k€45k▲
Equity and liabilities
Total equity and liabilities10/49€1.48M€1.93M▲
Equity10/15€1.42M€1.80M▲
Contributions10/11€6k€6k=
Reserves13€1.42M€1.79M▲
Non-distributable reserves130/1€11k€11k=
Reserves not available under the articles1311€11k€11k=
Tax-exempt reserves132€12k€12k=
Distributable reserves133€1.39M€1.77M▲
Profit (loss) carried forward14€1k€1k▲
Amounts payable17/49€59k€131k▲
Amounts payable after more than one year17€2k-
Financial debts170/4€2k-
Amounts payable within one year42/48€57k€131k▲
Current portion of amounts payable after more than one year42€22k€58k▲
Trade debts44€3k€554▼
Suppliers440/4€3k€554▼
Taxes, remuneration and social security45€32k€72k▲
Taxes450/3€32k€72k▲
Income statement
Code20232024
Non-recurring operating income76A-€32k
Remuneration, social security and pensions62€111k€64k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€64k€52k▼
Other operating charges640/8€4k€4k▲
Gross operating margin9900€746k€612k▼
Operating profit (loss)9901€566k€492k▼
Financial income75/76B€13k€57k▲
Recurring financial income75€13k€57k▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€578k€546k▼
Income taxes67/77€182k€170k▼
Profit (loss) for the period9904€396k€376k▼
Profit (loss) for the period to be appropriated9905€396k€376k▼
Appropriation of the result
Profit (loss) to be appropriated9906€397k€377k▼
Profit (loss) brought forward from the previous period14P€976€1k▲
Transfer from equity791/2€116k-
Transfer to equity691/2€396k€376k▼
To other reserves6921€396k€376k▼
Profit to be distributed694/7€116k-
Return on contributions (dividend)694€116k-
Social balance
Average headcount (FTE)90871.71.7=
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 91 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 61 days late
2023
31-12
Financial
Highest result since 2019net €396k ▲24.9%
Operating result €566k, net result €396k, both a record.
27-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
Financial
Liquidity doublescurrent ratio 11.35
Current ratio from 5.39 to 11.35; short-term debt falls from €99k to €63k.
30-06
Financial
Equity above €1MEq €1.15M ▲25.1%
4 profitable years in a row build equity to €1.15M.
07-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
28-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
30-06
Financial
Liquidity doublescurrent ratio 3.36
Current ratio from 1.46 to 3.36; short-term debt falls from €138k to €81k.
27-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
19-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
23-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
30-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2015
30-12
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Sint-Niklaas · 1 establishment unit since 2017
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.
Plezantstraat 589100 Sint-NiklaasGround area
348 m²
Building footprint
308 m²
Volume, LiDAR
2,628 m³
Parcel 46443E0853/00P000, Flanders · tallest building 14.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Plezantstraat 58, 9100 Sint-Niklaas
since 20172.273.706.427
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46443E0853/00P000 | Flanders | 348 m² | 1 · 308 m² | 14.1 m · 3 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.
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Of 16,807 companies in sector 62100 we hold annual accounts for 8,747. 2,865 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-08-2010
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
86220Specialist medical practice
47400Retail sale of information and communication equipment
47410Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.