Equity
€146,005 ▲ 12.8%
IT PERSONAL SOLUTION has made a profit without a break since 2022.
IT PERSONAL SOLUTION
Lifetime
6 annual accounts with figures on one time axispeak €89,318 (2023)
€70,602▼ 21.0%
lowest -€10,980 (2021)
€16,585▼ 62.4%
peak €146,005 (2024)
€146,005▲ 12.8%
€68,120▼ 19.4%
Board1 name since 2019
1 directorMESTDAGT Hervé Marie
Documentsfilings and deeds
31-07-2025on the last day
2024micro format
Gross margin from €89,318 to €70,602Result from €44,121 to €16,585Equity from €129,420 to €146,005Debts from €84,496 to €68,120
Key points
from the 2024 annual accountsChecked score
55
Fair
Financially stronger than 50% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: 1.5% to 4.2%
A confirmed filing finding caps the score at 59.
Bankruptcy probability within 12 months
0.5% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,933 companies (NACE 62, micro).
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.6%highest value
01-2025: 0.3%▼ -0.3 percentage points vs 12-2024
02-2025: 0.3%● unchanged vs 01-2025
03-2025: 0.3%● unchanged vs 02-2025
04-2025: 0.3%● unchanged vs 03-2025
05-2025: 0.3%● unchanged vs 04-2025
06-2025: 0.3%● unchanged vs 05-2025
07-2025: 0.3%● unchanged vs 06-2025
08-2025: 0.6%▲ +0.3 percentage points vs 07-2025
09-2025: 0.1%▼ -0.5 percentage points vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025lowest value
02-2026: 0.1%● unchanged vs 01-2026lowest value
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.2%▲ +0.1 percentage points vs 07-2026
09-2026: 0.2%● unchanged vs 08-2026
10-2026: 0.5%▲ +0.3 percentage points vs 09-2026
11-2026: 0.5%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Capped at 59: a confirmed filing finding
Figures for financial year 2024 (filed on 08-08-2025)
1 financial year not filed after the legal deadline; 1 of the last 3 accounts late
lowers risk
Sector: Computer programming, consultancy and related activities (NACE 62)
Size: total assets €214,125
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro). It does better than 61% of them on solvency, 41% on liquidity, 38% on profitability and 59% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2024.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 26,972 companies had the same profile as IT PERSONAL SOLUTION has now. Each dot stands for 68 companies, two years later.
94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of IT PERSONAL SOLUTION itself: 0.5% within 12 months.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 26,972 companies, not a prediction for IT PERSONAL SOLUTION. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €8,000 on 30-day terms, only on tighter conditions: an expected filing is missing beyond Checked's processing allowance
Liquidity is tight, with a current ratio of 1.02 (1.38 in 2023), below the usual 1.5. Short-term debt is 31% and cash 17.1% of total assets. 31.8% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 103 days later.
NBB · 6 filingsPosition against the passed deadline
31-12-2025 year end31-07-2026 deadline11-11-2026 today
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-07-2025, 0 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
not filed
2024
on the day
2023
133 days late
2022
on the day
2021
31 days late
2020
91 days late
2019
2 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 42 days after the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0726545836
Incorporation
Founder: MESTDAGT Hervé Marie · 1,000 shares · Appointment: MESTDAGT Hervé Marie (statutory director) · published on 10-05-2019 · Gazette deed
First establishment
Rue Hasquette 30, Amay
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| IT PERSONAL SOLUTION Amay | €214,125 | €70,602 | 68.2% | - |
| Big Bear Arendonk | €218,364 | €71,159 | 91.3% | - |
| BPREPARED Antwerp | €204,738 | €64,461 | 41.9% | - |
| MaxITGreen3000 Consulting Namur | €227,962 | €68,035 | 9.4% | - |
| Qualitative and Quantitative Data Fruits Chaumont-Gistoux | €212,750 | €79,396 | 50.7% | - |
| VEBLEN Woluwe-Saint-Lambert | €197,399 | €75,283 | 21.0% | - |
| Matthieu Labs Berchem-Sainte-Agathe | €199,480 | €73,408 | 0.1% | - |
These companies have the same main activity as IT PERSONAL SOLUTION: computer programming (NACE 62100). They are comparable in size and age: total assets between €197,000 and €228,000, founded between 2018 and 2019.
Official details
Source: KBO- Status
- Active since 08-05-2019Normal situation
- Activity
- Computer programmingNACE 62100and 4 others
- Establishment unit
- 2.288.805.1694540 Amay, since 08-05-2019
- Financial year end
- 31 December
- Peppol
- Reachable since 18-12-2025
Insights on IT PERSONAL SOLUTION
IT PERSONAL SOLUTION files the micro format. That format states no turnover. The gross margin rose from €27,010 in 2019 to €70,602 in 2024.
The balance sheet grew most from 2021 to 2023 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about IT PERSONAL SOLUTION
- What is the company number of IT PERSONAL SOLUTION?
- The company number of IT PERSONAL SOLUTION is 0726.545.836. The VAT number is the same number with BE in front: BE 0726.545.836.
- Where is IT PERSONAL SOLUTION based?
- The registered office is at Rue Hasquette 30, 4540 Amay.Company details
- What does IT PERSONAL SOLUTION do?
- According to the KBO register, the main activity is computer programming (NACE 62100).
- What is the legal form of IT PERSONAL SOLUTION?
- IT PERSONAL SOLUTION is a private limited company (BV).
- When was IT PERSONAL SOLUTION founded?
- IT PERSONAL SOLUTION was founded on 08-05-2019.
- Is IT PERSONAL SOLUTION still active?
- Yes, IT PERSONAL SOLUTION is an active enterprise in the KBO register.
- What is the turnover of IT PERSONAL SOLUTION?
- The turnover in financial year 2024 is ≈ €160,000. This figure is estimated from the gross margin of €70,602 and 41 comparable companies (NACE 62100). It probably lies between €140,000 and €210,000.Financials
- Is IT PERSONAL SOLUTION profitable?
- In financial year 2024, IT PERSONAL SOLUTION made a profit of €16,585.
- Where can I find the annual accounts of IT PERSONAL SOLUTION?
- IT PERSONAL SOLUTION filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2024.
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