KASPER
ActiveKASPER has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.73M and a net result of €-115k. Equity is shrinking by ~4.5% per year across the filed fiscal years. Its solvency ranks better than 54% of 16906 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
68
/ 100
Healthy▲ +56 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency99▲+62
Growth52▲+20
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €120k at 30 days acceptable
Liquidity ample (current ratio 2.13 against 0.17 in 2024), and 36.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers 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
63.3%
Return on assets
-4.2%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €1.7M
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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 filingsDeviation from the deadline
2025
24 d late
2024
12 d late
2023
15 d late
2022
7 d early
2021
25 d late
2020
30 d late
2019
49 d late
← 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, micro schema
Equity
€1.73M▲ 462%
2024 · €308k
2018: €375k
2019: €474k
2020: €457k
2021: €433k
2022: €401k
2023: €381k
2024: €308k
2018 → 2025
Total assets
€2.73M▲ 170%
2024 · €1.01M
2018: €679k
2019: €662k
2020: €1.17M
2021: €1.53M
2022: €1.49M
2023: €1.47M
2024: €1.01M
2018 → 2025
Net result
€-115k▼ 59.3%
2024 · €-72k
2018: €226k
2019: €100k
2020: €-18k
2021: €-24k
2022: €-32k
2023: €-20k
2024: €-72k
2018 → 2025
Working capital
€357k
2024 · €-273k
2018: €177k
2019: €277k
2020: €-87k
2021: €-145k
2022: €-182k
2023: €-202k
2024: €-273k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€433k-€401k▼ 7.4%€381k▼ 5.0%€308k▼ 19.0%€1.73M▲ 462%
Operating result€-18k-€-6k▲ 67.7%€2k€-51k€-92k▼ 80.9%
Net result€-24k-€-32k▼ 34.2%€-20k▲ 37.3%€-72k▼ 260%€-115k▼ 59.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €92k in 2025 against €51k in 2024; the loss grows and 2025 is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.73M
Fixed assets
€2.06M▲ 115%
Current assets
€672k▲ 1,099%
Equity and liabilities €2.73M
Equity
€1.73M▲ 462%
Debt
€1.00M▲ 42.0%
The debt ratio falls from 69.6% to 36.7%: equity grows faster than debt.
Key figures and ratios
EBITDA
€33k▲
2024 · €-27k
Cash flow
€10k▲
2024 · €-48k
Solvency
63.3%▲
2024 · 30.4%
Current ratio
2.13▲
2024 · 0.17
Quick ratio
1.87▲
2024 · 0.04
Debt / equity
0.58▼
2024 · 2.29
ROE
-6.7%▲
2024 · -23.5%
ROA
-4.2%▲
2024 · -7.1%
Interest coverage
2.22▲
2024 · -1.24
Debt
€1.00M▲
2024 · €706k
Debt ≤ 1 year
€315k▼
2024 · €329k
Debt > 1 year
€687k▲
2024 · €377k
Income taxes
€9k
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€1.01M€2.73M▲
Formation expenses20-€240
Fixed assets21/28€958k€2.06M▲
Tangible fixed assets22/27€956k€2.06M▲
Land and buildings22€954k€2.05M▲
Plant, machinery and equipment23€2k€3k▲
Furniture and vehicles24-€5k
Financial fixed assets28€2k€2k▲
Current assets29/58€56k€672k▲
Stocks and contracts in progress3€42k€83k▲
Stocks30/36€42k€83k▲
Amounts receivable within one year40/41€792€24k▲
Trade receivables40€0€7k▲
Other amounts receivable41€792€17k▲
Current investments50/53-€17k
Cash at bank and in hand54/58€13k€526k▲
Deferred charges and accrued income490/1-€21k
Equity and liabilities
Total equity and liabilities10/49€1.01M€2.73M▲
Equity10/15€308k€1.73M▲
Contributions10/11€19k€37k▲
Reserves13€456k€2.64M▲
Tax-exempt reserves132-€37k
Distributable reserves133€456k€2.61M▲
Profit (loss) carried forward14€-166k€-949k▼
Amounts payable17/49€706k€1.00M▲
Amounts payable after more than one year17€377k€687k▲
Financial debts170/4€377k€687k▲
Amounts payable within one year42/48€329k€315k▼
Current portion of amounts payable after more than one year42€23k€44k▲
Financial debts43-€73
Credit institutions430/8-€73
Trade debts44€968€59k▲
Suppliers440/4€968€59k▲
Taxes, remuneration and social security45€6€20k▲
Taxes450/3€6€20k▲
Other amounts payable47/48€305k€192k▼
Income statement
Code20242025
Non-recurring operating income76A-€32k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€125k▲
Other operating charges640/8€3k€19k▲
Gross operating margin9900€-24k€52k▲
Operating profit (loss)9901€-51k€-92k▼
Financial income75/76B€1€427▲
Recurring financial income75€1€427▲
Financial charges65/66B€21k€15k▼
Recurring financial charges65€21k€15k▼
Profit (loss) for the period before taxes9903€-72k€-107k▼
Income taxes67/77-€9k
Profit (loss) for the period9904€-72k€-115k▼
Profit (loss) for the period to be appropriated9905€-72k€-115k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-166k€-949k▼
Profit (loss) brought forward from the previous period14P€-94k€-834k▼
Transfer from equity791/2€0-
Transfer to equity691/2€0-
To other reserves6921€0-
The notes to these accounts (15 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
31-12
Financial
Weakest financial yearnet €-115k
Net result drops to €-115k, the lowest in the series.
31-12
Financial
Liquidity times 13current ratio 2.13
Current ratio from 0.17 to 2.13; short-term debt falls from €329k to €315k.
31-12
Financial
Equity above €1MEq €1.73M ▲462%
Equity rises from €308k to €1.73M.
12-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 12 days late
2024
15-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 15 days late
2023
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
18-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 49 days late
2019
31-12
Financial
Liquidity triplescurrent ratio 5.62
Current ratio from 2.00 to 5.62; short-term debt falls from €177k to €60k.
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
19-01
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 172 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2023
Hoens Tom
CurrentDirector · since 05-04-2023
05-04-2023
Appointed as Director
Location & real-estate footprint
Registered office, Gent · 1 establishment unit since 2007
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.
Citadellaan 519000 GentGround area
312 m²
Building footprint
136 m²
Volume, LiDAR
1,286 m³
Parcel 44805E0571/02Y002, Flanders · tallest building 17.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Citadellaan 51, 9000 Gent
since 20072.166.672.073
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44805E0571/02Y002 | Flanders | 312 m² | 1 · 136 m² | 17.2 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.
Similar companies · same sector, comparable size
ABSYS CYBORG
BE 0476.111.335
Ukkel · Eq €1.73M
GRAPHINE
BE 0526.835.704
Gent · Eq €1.72M
ALLUSION
BE 0689.780.361
Gent · Eq €1.75M
B-SIDE
BE 0470.199.481
Tournai · Eq €1.69M
PRODON
BE 0421.620.297
Kalmthout · Eq €1.77M
Of 3,203 companies in sector 62900 we hold annual accounts for 1,735. 601 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-11-2007
Fiscal year end31-12
Activities, NACEBEL
62900Other information technology and computer services
72600
62010Computer programming, consultancy and related activities
62020IT consultancy
62100Computer programming
62200Computer consultancy and computer facilities management
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
72100
72220
72300
72400
72500
95100Repair and maintenance of computers and communication equipment
95110Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 18 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.