KNOW.BI
ActiveKNOW.BI has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €105k and a net result of €19k. Equity is shrinking by ~12.4% per year across the filed fiscal years. Its solvency ranks better than 39% of 2672 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
83
/ 100
Excellent▼ -17 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability90▼-10
Solvency64▼-36
Growth58=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 1.52 against 4.71 in 2024), but 66.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 · 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
33.6%
Return on assets
6.1%
Age of the figures
8 mo
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
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 27-05-2026, 65 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
65 d early
2024
22 d early
2023
29 d early
2022
51 d late
2021
157 d late
2020
31 d late
2019
73 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€105k▼ 64.1%
2024 · €292k
2018: €397k
2019: €346k
2020: €324k
2021: €330k
2022: €117k
2023: €176k
2024: €292k
2018 → 2025
Total assets
€312k▼ 15.6%
2024 · €369k
2018: €456k
2019: €419k
2020: €428k
2021: €462k
2022: €242k
2023: €326k
2024: €369k
2018 → 2025
Net result
€19k▼ 83.6%
2024 · €116k
2018: €-17k
2019: €-51k
2020: €42k
2021: €5k
2022: €-75k
2023: €59k
2024: €116k
2018 → 2025
Working capital
€105k▼ 63.2%
2024 · €286k
2018: €387k
2019: €325k
2020: €332k
2021: €317k
2022: €111k
2023: €175k
2024: €286k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€330k-€117k▼ 64.5%€176k▲ 50.7%€292k▲ 65.6%€105k▼ 64.1%
Operating result€11k-€-76k€58k€168k▲ 188%€34k▼ 79.7%
Net result€5k-€-75k€59k€116k▲ 95.0%€19k▼ 83.6%
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 2025; 2025 is 80% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €312k
Fixed assets
€3k▼ 46.9%
Current assets
€308k▼ 15.0%
Equity and liabilities €312k
Equity
€105k▼ 64.1%
Debt
€207k▲ 169%
The debt ratio rises from 20.9% to 66.4%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€37k▼
2024 · €170k
Cash flow
€22k▼
2024 · €118k
Solvency
33.6%▼
2024 · 79.1%
Current ratio
1.52▼
2024 · 4.71
Quick ratio
1.52▼
2024 · 4.71
Debt / equity
1.97▲
2024 · 0.26
ROE
18.1%▼
2024 · 39.6%
ROA
6.1%▼
2024 · 31.4%
Interest coverage
7.10▼
2024 · 27.69
Debt
€207k▲
2024 · €77k
Debt ≤ 1 year
€203k▲
2024 · €77k
Income taxes
€10k▼
2024 · €51k
Staff costs
€72k▲
2024 · €34k
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€369k€312k▼
Fixed assets21/28€7k€3k▼
Tangible fixed assets22/27€7k€3k▼
Furniture and vehicles24€7k€3k▼
Current assets29/58€363k€308k▼
Amounts receivable within one year40/41€176k€157k▼
Trade receivables40€54k€110k▲
Other amounts receivable41€122k€46k▼
Cash at bank and in hand54/58€176k€144k▼
Deferred charges and accrued income490/1€10k€8k▼
Equity and liabilities
Total equity and liabilities10/49€369k€312k▼
Equity10/15€292k€105k▼
Contributions10/11€6k€6k=
Reserves13€286k€99k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€284k€97k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€77k€207k▲
Amounts payable within one year42/48€77k€203k▲
Trade debts44€26k€51k▲
Suppliers440/4€26k€51k▲
Taxes, remuneration and social security45€12k€9k▼
Taxes450/3€3k€21▼
Remuneration and social security454/9€9k€9k▼
Other amounts payable47/48€39k€143k▲
Accrued charges and deferred income492/3-€4k
Income statement
Code20242025
Non-recurring operating income76A€2k€0▼
Remuneration, social security and pensions62€34k€72k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€505€3k▲
Gross operating margin9900€205k€112k▼
Operating profit (loss)9901€168k€34k▼
Financial income75/76B€5k€81▼
Recurring financial income75€5k€81▼
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€167k€29k▼
Income taxes67/77€51k€10k▼
Profit (loss) for the period9904€116k€19k▼
Profit (loss) for the period to be appropriated9905€116k€19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€80k€19k▼
Profit (loss) brought forward from the previous period14P€-36k€0▲
Transfer from equity791/2-€206k
Transfer to equity691/2€80k€19k▼
To other reserves6921€80k€19k▼
Profit to be distributed694/7-€206k
Return on contributions (dividend)694-€206k
Social balance
Average headcount (FTE)90871.01.0=
The notes to these accounts (10 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
27-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €116k ▲95%
Operating result €168k, net result €116k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 4.71
Current ratio from 2.17 to 4.71; short-term debt falls from €150k to €77k.
31-12
Financial
Equity above €200kEq €292k ▲65.6%
2 profitable years in a row build equity to €292k.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €59k
Net result €59k after one loss-making year.
31-12
Financial
Equity above €150kEq €176k ▲50.7%
Equity rises from €117k to €176k.
20-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 51 days late
04-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 157 days late
2022
31-12
Financial
Weakest financial yearnet €-75k ▼1495%
Net result drops to €-75k, the lowest in the series; recovery starts the following year.
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Back to profitnet €42k
Net result €42k after 2 loss-making years.
12-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 73 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 26 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 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 2024
MAERTENS, Bart Henri Denise
CurrentDirector · since 07-03-2024
07-03-2024
Resigned as Director
07-03-2024
Appointed as Director
Location & real-estate footprint
Registered office, Oud-Turnhout · 1 establishment unit since 2012
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.
Draaiboom 882360 Oud-TurnhoutGround area
619 m²
Building footprint
115 m²
Volume, LiDAR
638 m³
Parcel 13482F0871/00N000, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
KNOW.BI
since 20122.207.682.584
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13482F0871/00N000 | Flanders | 619 m² | 1 · 115 m² | 8.5 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.
Similar companies · same sector, comparable size
Careercrafters
BE 1014.214.083
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Q-PACT Consulting
BE 0674.730.713
Oudergem · Eq €105k
LYRAE
BE 0752.615.377
Enghien · Eq €105k
Antens.net
BE 0771.848.301
Ravels · Eq €105k
Sara Pieters
BE 1003.040.673
Merelbeke-Melle · Eq €105k
Of 29,885 companies in sector 62200 we hold annual accounts for 18,322. 15,501 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-02-2012
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:info@know.bi