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KEEP SOFTWARE

Active
Private limited companyfounded 2020active for 6 yearsLage Vosbergstraat 16, 2840 Rumst, BelgiumKBO/BCE: BE 0748.665.497
Summary

KEEP SOFTWARE has been active since 2020 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€415,865) and a net result of -€130,197. Equity is shrinking by about 51% per year across the filed financial years. Its solvency ranks better than 5% of 3,343 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is 0.5% (low).

Overview

Activity
Computer programming
NACE 62100
1 site
Size
€41,135total assets 2025
Equity
-€415,865
Loss
-€130,197
Turnover not published (abbreviated format)
Financial health
53 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
0.5%
Structure
Holdings
1
Accounts 66 days early0 of 1 deed read
Why 53raises riskCapped at 59: negative equityNegative equity -€415,865Loss of €130,197, the second in a row (financial year 2025)lowers riskSector: Computer programming, consultancy and related activities (NACE 62)Size: total assets €41,135Show the evidence

Checked score

Score 2025
53 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 11% of its sector peers (NACE 62, micro)
Negative equity caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Weak
Solvency 0=
equity -1011.0% of total assets
Liquidity 45+42
short-term debt 1111.0% · cash 35.8%
Profitability 0=
return on assets -316.5%
Bankruptcy probability, 12 months
0.5% Low
0%0.5%1.5%4%10%≥ 25%

About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (25,875 companies, NACE 62, micro)
Last 24 months 11-2024: 0.5% 12-2024: 0.5%● unchanged vs 11-2024 01-2025: 0.5%● unchanged vs 12-2024 02-2025: 0.5%● unchanged vs 01-2025 03-2025: 0.5%● unchanged vs 02-2025 04-2025: 0.5%● unchanged vs 03-2025 05-2025: 0.5%● unchanged vs 04-2025 06-2025: 0.5%● unchanged vs 05-2025 07-2025: 0.5%● unchanged vs 06-2025 08-2025: 0.8%▲ +0.3 percentage points vs 07-2025 09-2025: 0.9%▲ +0.1 percentage points vs 08-2025 10-2025: 0.9%● unchanged vs 09-2025 11-2025: 0.9%● unchanged vs 10-2025 12-2025: 0.9%● unchanged vs 11-2025 01-2026: 0.9%● unchanged vs 12-2025 02-2026: 0.9%● unchanged vs 01-2026highest value 03-2026: 0.9%● unchanged vs 02-2026 04-2026: 0.9%● unchanged vs 03-2026 05-2026: 0.9%● unchanged vs 04-2026 06-2026: 0.4%▼ -0.5 percentage points vs 05-2026lowest value 07-2026: 0.4%● unchanged vs 06-2026 08-2026: 0.4%● unchanged vs 07-2026 09-2026: 0.5%▲ +0.1 percentage points vs 08-2026 10-2026: 0.5%● unchanged vs 09-2026
No credit on open account
Liquidity insufficient (current ratio 0.04, compared with 0.27 in 2024, below 1; cash: 35.8% of total assets), and equity is negative.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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): better than 3% on solvency, 20% on liquidity, 5% on profitability and 16% on growth.

The bankruptcy probability was computed on 17-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
lowers riskraises riskneutral
raises risk · Negative equity -€415,865
NBB · annual accounts
lowers risk · Sector: Computer programming, consultancy and related activities (NACE 62)
KBO
lowers risk · Size: total assets €41,135
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Loss of €130,197, the second in a row (financial year 2025)
NBB · annual accounts
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
2122232425
2021 to 2025 · latest year -€415,865
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 26-05-2026, 66 days ahead of the deadline.
NBB · 5 filings
Deviation from the deadline
2025
66 days early
2024
29 days late
2023
6 days early
2022
13 days early
2021
5 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 5 accounts on average 12 days before the deadline; the sector median (NACE 62) for financial year 2024 is 9 days before the deadline, and 33% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 26 July (4 of the last 5 filed years within 34 days of that day).
Companies Code · seven months
Where today falls in the filing period
18-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · abbreviated…
  2. Annual accounts filedfinancial year 2024 · abbreviated…
  3. Weakest financial yearnet -€140,914

Financials · financial year 2025, abbreviated format

Equity
-€415,865▼ 45.6%
2024 · -€285,668
Total assets
€41,135▼ 71.0%
2024 · €141,789
Net result
-€130,197▲ 7.6%
2024 · -€140,914
Working capital
-€440,865▼ 41.8%
2024 · -€310,909
Trend over the years

2021 to 2025, 5 financial years

The operating result stays negative: a loss of €130,004 in 2025 against €140,362 in 2024; the loss shrinks.

What the company sold each financial year and what was left of it. A loss stands below the zero line.

Operating result-€130,004 2025 Net result-€130,197 2025

Use the arrow keys on the chart for the figures per year.

Sector: the middle half of NACE 62, Computer programming, consultancy and related activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).

Every figure with its change against the financial year before
favourable unfavourable
Line20212022202320242025
Operating result-€95,249--€62,832▲ 34.0%-€5,018▲ 92.0%-€140,362▼ 2,697%-€130,004▲ 7.4%
Net result-€95,248below the sector's middle half--€62,949below the sector's middle half▲ 33.9%€3,443within the sector's middle half-€140,914below the sector's middle half-€130,197below the sector's middle half▲ 7.6%
Equity-€85,248below the sector's middle half--€148,197below the sector's middle half▼ 73.8%-€144,754below the sector's middle half▲ 2.3%-€285,668below the sector's middle half▼ 97.3%-€415,865below the sector's middle half▼ 45.6%
Total assets€32,149below the sector's middle half-€101,910below the sector's middle half▲ 217%€272,441within the sector's middle half▲ 167%€141,789below the sector's middle half▼ 48.0%€41,135below the sector's middle half▼ 71.0%
Debt€117,397-€250,107▲ 113%€417,195▲ 66.8%€427,457▲ 2.5%€457,000▲ 6.9%
Working capital-€112,139below the sector's middle half--€174,538below the sector's middle half▼ 55.6%-€170,545below the sector's middle half▲ 2.3%-€310,909below the sector's middle half▼ 82.3%-€440,865below the sector's middle half▼ 41.8%
Solvency-265.2%below the sector's middle half--145.4%below the sector's middle half▲ 119.7pp-53.1%below the sector's middle half▲ 92.3pp-201.5%below the sector's middle half▼ 148.3pp
Current ratio0.04below the sector's middle half-0.30below the sector's middle half▲ 0.260.59below the sector's middle half▲ 0.290.27below the sector's middle half▼ 0.320.04below the sector's middle half▼ 0.24
Return on assets (ROA)-296.3%below the sector's middle half--61.8%below the sector's middle half▲ 234.5pp1.3%within the sector's middle half▲ 63.0pp-99.4%below the sector's middle half▼ 100.6pp-316.5%below the sector's middle half▼ 217.1pp
above within below the middle half of NACE 62, Computer programming, consultancy and related activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the abbreviated format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €41,135
Fixed assets €25,000 =
Current assets €16,135 ▼ 86.2%
Equity and liabilities
Equity-€415,865
Debt€457,000
Equity is negative: debt (€457,000) exceeds the balance-sheet total (€41,135).
Key figures and ratios
2025 value · change against 2024
EBITDA
-€129,762▲
2024 · -€139,812
Cash flow
-€129,956▲
2024 · -€140,364
Interest coverage
-669.36▼
2024 · -246.23
Debt ≤ 1 year
€457,000▲
2024 · €427,457
A ratio outside any meaningful range has been withheld (balance sheet total €41,135, equity -€415,865).
No debt to equity: equity is negative, so debt divided by equity means nothing.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 35 lines
Balance sheet Code20242025
Assets
Total assets20/58€141,789€41,135▼
Formation expenses20€241€0▼
Fixed assets21/28€25,000€25,000=
Financial fixed assets28€25,000€25,000=
Current assets29/58€116,548€16,135▼
Amounts receivable after more than one year29€113,207€0▼
Other amounts receivable291€113,207€0▼
Amounts receivable within one year40/41€2€1,400▲
Trade receivables40€0€1,400▲
Other amounts receivable41€2€0▼
Cash at bank and in hand54/58€3,339€14,735▲
Equity and liabilities
Total equity and liabilities10/49€141,789€41,135▼
Equity10/15-€285,668-€415,865▼
Contributions10/11€10,000€10,000=
Profit (loss) carried forward14-€295,668-€425,865▼
Amounts payable17/49€427,457€457,000▲
Amounts payable within one year42/48€427,457€457,000▲
Trade debts44€888€217▼
Suppliers440/4€888€217▼
Taxes, remuneration and social security45€1,535€275▼
Taxes450/3€1,535€275▼
Other amounts payable47/48€425,033€456,509▲
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€550€241▼
Other operating charges640/8€680€595▼
Gross operating margin9900-€139,131-€129,168▲
Operating profit (loss)9901-€140,362-€130,004▲
Financial income75/76B€15€0▼
Recurring financial income75€15€0▼
Financial charges65/66B€568€194▼
Recurring financial charges65€568€194▼
Profit (loss) for the period before taxes9903-€140,914-€130,197▲
Profit (loss) for the period9904-€140,914-€130,197▲
Profit (loss) for the period to be appropriated9905-€140,914-€130,197▲
Appropriation of the result
Profit (loss) to be appropriated9906-€295,668-€425,865▼
Profit (loss) brought forward from the previous period14P-€154,754-€295,668▼

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€859€550€550€550€241▼ 56.2%
Other operating charges640/8€132€102€568€680€595▼ 12.6%
Gross operating margin9900-€94,259-€62,180-€3,899-€139,131-€129,168▲ 7.2%
Operating profit (loss)9901-€95,249-€62,832-€5,018-€140,362-€130,004▲ 7.4%
Financial income75/76B€109€48€8,652€15€0▼ 100%
Recurring financial income75€109€48€8,652€15€0▼ 100%
Financial charges65/66B€107€165€191€568€194▼ 65.9%
Recurring financial charges65€107€165€191€568€194▼ 65.9%
Profit (loss) for the period before taxes9903-€95,248-€62,949€3,443-€140,914-€130,197▲ 7.6%
Profit (loss) for the period9904-€95,248-€62,949€3,443-€140,914-€130,197▲ 7.6%
Profit (loss) for the period to be appropriated9905-€95,248-€62,949€3,443-€140,914-€130,197▲ 7.6%
Line20212022202320242025Change
Assets
Total assets20/58€32,149€101,910€272,441€141,789€41,135▼ 71.0%
Formation expenses20€1,891€1,341€791€241€0▼ 100%
Fixed assets21/28€25,000€25,000€25,000€25,000€25,000=
Financial fixed assets28€25,000€25,000€25,000€25,000€25,000=
Current assets29/58€5,258€75,569€246,649€116,548€16,135▼ 86.2%
Amounts receivable after more than one year29-€73,925€231,207€113,207€0▼ 100%
Other amounts receivable291-€73,925€231,207€113,207€0▼ 100%
Amounts receivable within one year40/41€115€612€10,166€2€1,400▲ 79,900%
Trade receivables40--€10,164€0€1,400-
Other amounts receivable41€115€612€2€2€0▼ 100%
Cash at bank and in hand54/58€5,032€921€5,277€3,339€14,735▲ 341%
Deferred charges and accrued income490/1€111€111€0---
Equity and liabilities
Total equity and liabilities10/49€32,149€101,910€272,441€141,789€41,135▼ 71.0%
Equity10/15-€85,248-€148,197-€144,754-€285,668-€415,865▼ 45.6%
Contributions10/11€10,000€10,000€10,000€10,000€10,000=
Profit (loss) carried forward14-€95,248-€158,197-€154,754-€295,668-€425,865▼ 44.0%
Amounts payable17/49€117,397€250,107€417,195€427,457€457,000▲ 6.9%
Amounts payable within one year42/48€117,397€250,107€417,195€427,457€457,000▲ 6.9%
Trade debts44-€460€2,098€888€217▼ 75.6%
Suppliers440/4-€460€2,098€888€217▼ 75.6%
Taxes, remuneration and social security45--€1,360€1,535€275▼ 82.1%
Taxes450/3--€1,360€1,535€275▼ 82.1%
Other amounts payable47/48€117,397€249,647€413,737€425,033€456,509▲ 7.4%
Line20212022202320242025Change
Profit (loss) for the period9904-€95,248-€62,949€3,443-€140,914-€130,197▲ 7.6%
+ Depreciation and write-downs630€859€550€550€550€241▼ 56.2%
Operating cash flow (approximation)-€94,389-€62,399€3,993-€140,364-€129,956▲ 7.4%
Investment in fixed assets (approximation)--€550-€550-€550-€241▲ 56.2%
Change in cash--€4,111€4,356-€1,938€11,396-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Filings with the National Bank (5)
Financial year Type Filed Reference
31-12-2025 abbreviated format 26-05-2026 2026-00120793
31-12-2024 abbreviated format 29-08-2025 2025-00445393
31-12-2023 abbreviated format 25-07-2024 2024-00284050
31-12-2022 abbreviated format 18-07-2023 2023-00245295
31-12-2021 abbreviated format 26-07-2022 2022-20223502

Similar companies · same sector and region

This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of the 16,956 active companies whose main activity is computer programming (NACE 62100), figures are known for 8,928. See the whole sector

Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.

Directors

Directors
No directors read yet: 0 of 1 Gazette act processed. See the directors and other office holders in the KBO →

Owners and capital

Owners

No owners or capital events in the accounts and acts we read.

Group and network

Holdings and subsidiaries

1 holding

Holdings 1

  • Horizon65 GmbHDEsubsidiary
    Equity -€1.2mResult -€96,667
    100%

According to the 2025 annual accounts of KEEP SOFTWARE and those of the other companies, the acts in the Belgian Official Gazette and the LEI register. Annual accounts state the shareholders that notified the company under article 7:225 of the Code of Companies and Associations and the parent companies that consolidate it. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not include these statements in its annual accounts, or does not have to, is not listed.

Connections & network

No directors read yet: 0 of 1 Gazette act processed.

History

On 17 June 2020, KEEP SOFTWARE was incorporated as a private limited company.1 Total assets went from €32,149 in 2021 to €41,135 in 2025.2

  1. 1KBO register
  2. 2National Bank, annual accounts 2021 and 2025

Acts, filings and financial milestones

Next filing, financial year 2026, expected by 31-07-2027
2026
26-05
NBB filing Annual accounts filed
financial year 2025 · abbreviated format
2025
29-08
NBB filing Annual accounts filed
financial year 2024 · abbreviated format · 29 days late
2024
31-12
Financial Weakest financial yearnet -€140,914
Net result drops to -€140,914, the lowest in the series; recovery starts the following year.
25-07
NBB filing Annual accounts filed
financial year 2023 · abbreviated format
2023
31-12
Financial Back to profitnet €3,443
Net result €3,443 after 2 loss-making years.
18-07
NBB filing Annual accounts filed
financial year 2022 · abbreviated format
2022
26-07
NBB filing Annual accounts filed
financial year 2021 · abbreviated format
Financial milestoneNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
0 of 1 deed read
About the unread acts

We know of 1 Belgian Official Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Register details

Identification
Legal formPrivate limited company
Founded17-06-2020
Financial year end31-12
Activities, NACEBEL 2025
62100Computer programming
58290Other software publishing
62200Computer consultancy and computer facilities management
63100Computing infrastructure, data processing, hosting and related activities
78100Employment placement agencies
Contact
E-mail noverloop@gmail.com
E-invoicing
Reachable via Peppol
Peppol ID 0208:0748665497
Also 9925:BE0748665497
Registered 09-04-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 18 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.

Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.

Sites & property

Location & real-estate footprint
Registered office, Rumst · 1 establishment unit since 2020
registered office establishment The establishment unit on the map
Ground area
930 m²
Building footprint
231 m²
Building volume
1,523 m³
Parcel 11037A0192/00P000, Flanders · tallest building 10.4 m. Linked by address, not a title deed.
3 companies at this address See who is registered here
1 establishment unit
KEEP SOFTWARE
Lage Vosbergstraat 16, 2840 RumstComputer consultancy and computer facilities management
since 2020unit no. 2.303.592.127
1 parcel
Flanders 1 (100%)
Cadastral parcel Region Area Buildings Height / floors
11037A0192/00P000 Flanders 930 m² 1 · 231 m² 10.4 m · 2
How the parcels are linked
Good to know
The parcel matches the address exactly.