Filings
Nine of the last ten came late. The 2018 accounts came latest: 70 days after the end of the period.
Nine of the last ten came late. The 2018 accounts came latest: 70 days after the end of the period.
Higher solvency than 95% of companies in computer programming and consultancy. Sector median 60.0% · 21,166 companies.
The dashed line is the sector median: 0.1% across 25,917 companies (NACE 62, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
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 85% of them on solvency, 31% on liquidity, 18% on profitability and 44% on growth.
The bankruptcy probability was computed on 04-11-2026 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 31-12-2025.
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).
In July 2024, 10,904 companies had the same profile as ME INFORMATIC has now. Each dot stands for 28 companies, two years later.
That fits the bankruptcy probability of ME INFORMATIC itself: 0.2% within 12 months.
The method was tested on the 497,446 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 10,904 companies, not a prediction for ME INFORMATIC. 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.
Short-term debt is 0.8% and cash 0.4% of total assets. 0.8% of the assets are financed with debt and provisions.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
The company filed its last 7 accounts on average 25 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.
| Company | Total assets | Gross margin | Solvency | Staff |
|---|---|---|---|---|
| ME INFORMATIC Havelange | €38,336 | -€1,277 | 99.2% | - |
| DOREMY Namur | €34,955 | -€91,256 | -95.2% | - |
| EPIPHANY Watermael-Boitsfort | €38,593 | -€62,587 | -270.8% | - |
| Tecron Berlaar | €40,664 | -€10,152 | 98.3% | - |
| BVD Management Schelle | €40,585 | -€4,261 | 99.6% | - |
| Talos Health Solutions Ixelles | €41,755 | -€7,397 | -925.1% | - |
| THE MIND COLLECTIVE Bierbeek | €34,844 | -€19,748 | 19.9% | - |
These companies have the same main activity as ME INFORMATIC: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €34,800 and €41,800, founded between 2011 and 2012.
ME INFORMATIC files the micro format. That format states no turnover. The gross margin rose from -€4,714 in 2011 to -€1,277 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
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