Kwip
ActiveKwip has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €234k and a net result of €110k. Equity is growing by ~76.9% per year across the filed fiscal years. Its solvency ranks better than 74% of 16906 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 4.94 against 3.82 in 2024), and 20.1% 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+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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
79.9%
Return on assets
37.6%
Age of the figures
8 mo
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 08-01-2026, 204 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
204 d early
2024
87 d early
2023
29 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€234k▲ 88.9%
2024 · €124k
2023: €44k
2024: €124k
2023 → 2025
Total assets
€293k▲ 75.5%
2024 · €167k
2023: €81k
2024: €167k
2023 → 2025
Net result
€110k▲ 37.0%
2024 · €81k
2023: €41k
2024: €81k
2023 → 2025
Working capital
€232k▲ 91.9%
2024 · €121k
2023: €39k
2024: €121k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€44k-€124k▲ 185%€234k▲ 88.9%
Operating result€53k-€107k▲ 102%€147k▲ 37.8%
Net result€41k-€81k▲ 98.9%€110k▲ 37.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 38% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €293k
Fixed assets
€2k▼ 32.4%
Current assets
€291k▲ 77.6%
Equity and liabilities €293k
Equity
€234k▲ 88.9%
Debt
€59k▲ 36.9%
The debt ratio falls from 25.8% to 20.1%: equity grows faster than debt.
Key figures and ratios
EBITDA
€148k▲
2024 · €108k
Cash flow
€111k▲
2024 · €82k
Solvency
79.9%▲
2024 · 74.2%
Current ratio
4.94▲
2024 · 3.82
Quick ratio
4.94▲
2024 · 3.82
Debt / equity
0.25▼
2024 · 0.35
ROE
47.1%▼
2024 · 64.9%
ROA
37.6%▼
2024 · 48.2%
Interest coverage
33.73▲
2024 · 29.36
Debt
€59k▲
2024 · €43k
Debt ≤ 1 year
€59k▲
2024 · €43k
Income taxes
€32k▲
2024 · €22k
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€167k€293k▲
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€3k€2k▼
Plant, machinery and equipment23€1k€401▼
Other tangible fixed assets26€2k€2k▼
Current assets29/58€164k€291k▲
Amounts receivable within one year40/41€21k€34k▲
Trade receivables40€21k€34k▲
Other amounts receivable41€0-
Current investments50/53€20k€68k▲
Cash at bank and in hand54/58€120k€188k▲
Deferred charges and accrued income490/1€3k€636▼
Equity and liabilities
Total equity and liabilities10/49€167k€293k▲
Equity10/15€124k€234k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€121k€231k▲
Amounts payable17/49€43k€59k▲
Amounts payable within one year42/48€43k€59k▲
Trade debts44€2k€0▼
Suppliers440/4€2k€0▼
Taxes, remuneration and social security45€31k€46k▲
Taxes450/3€31k€46k▲
Other amounts payable47/48€10k€13k▲
Accrued charges and deferred income492/3€117€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k=
Other operating charges640/8€444€503▲
Gross operating margin9900€108k€148k▲
Operating profit (loss)9901€107k€147k▲
Financial income75/76B€0€199▲
Recurring financial income75€0€0▲
Non-recurring financial income76B-€199
Financial charges65/66B€4k€4k▲
Recurring financial charges65€4k€4k▲
Profit (loss) for the period before taxes9903€103k€143k▲
Income taxes67/77€22k€32k▲
Profit (loss) for the period9904€81k€110k▲
Profit (loss) for the period to be appropriated9905€81k€110k▲
Appropriation of the result
Profit (loss) to be appropriated9906€121k€231k▲
Profit (loss) brought forward from the previous period14P€41k€121k▲
The notes to these accounts (4 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
08-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €110k ▲37%
Operating result €147k, net result €110k, both a record.
31-12
Financial
Equity above €200kEq €234k ▲88.9%
3 profitable years in a row build equity to €234k.
05-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €124k ▲185%
2 profitable years in a row build equity to €124k.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Huldenberg · 1 establishment unit since 2023
Ground area
435 m²
Building footprint
248 m²
Volume, LiDAR
2,293 m³
Parcel 24045B0208/00F000, Flanders · tallest building 12.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Kwip
since 20232.349.543.205
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24045B0208/00F000 | Flanders | 435 m² | 1 · 248 m² | 12.4 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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INFOGÈNE BELGIUM
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Of 29,880 companies in sector 62200 we hold annual accounts for 18,324. 14,285 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-06-2023
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.