Equity
€35,081 from €89,269 in 2022
Equity fell by 61% in 4 years.
Method & Pragmatism
Lifetime
10 annual accounts with figures on one time axispeak €50,577 (2022)
-€5,830▲ €1,261
lowest -€19,872 (2023)
-€9,047▲ €2,718
peak €89,269 (2022)
€35,081▼ 20.5%
€1,679▼ 59.9%
Board1 name since 2022
1 directorMario PAVONI
Documentsfilings and deeds
23-10-20268 days before the deadline
2026micro format
Gross margin from -€7,090 to -€5,830Loss of €9,047Equity from €44,128 to €35,081Debts from €4,191 to €1,679
Key points
from the 2026 annual accountsLosses
-€54,188 in four years
Every financial year from 2023 to 2026 closed with a loss. 2023 was the heaviest.
Liquidity
20.80 was 10.66 in 2025
Short-term debts fell from €4,191 to €1,679.
Filings
10 annual accounts 5 late
The 2021 accounts came latest: 16 days after the end of the period.
At the same address
7 companies
Position in the sector
-€9,047
Lower net result than 91% of companies in computer programming and consultancy. Sector median €30,826 · 659 companies.
Turnover not published (micro format)
Checked score
91
Excellent
Financially stronger than 53% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,932 companies (NACE 62, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025lowest value
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: 0.1%▲ +0.1 percentage points vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.2%▲ +0.1 percentage points vs 09-2026highest value
11-2026: 0.2%● unchanged vs 10-2026highest value
Financial strengthStrong
Score breakdown
raises risk
1 change of registered office in 24 months
Loss of €9,047, the second in a row (financial year 2026)
lowers risk
Liquidity: current ratio 20.80, cash €33,733
Sector: Computer programming, consultancy and related activities (NACE 62)
Calculation
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, 96% on liquidity, 5% on profitability and 25% on growth.
The bankruptcy probability was computed on 09-11-2026 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 31-03-2026.
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).
Comparable companies, two years later
In July 2024, 4,805 companies had the same profile as Method & Pragmatism has now. Each dot stands for 13 companies, two years later.
88.1%
were still trading
9.8%
stopped another way
2.0%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Method & Pragmatism itself is lower: 0.2% within 12 months. It rests on far more data about Method & Pragmatism than the profile alone.
Test of the method
The method was tested on the 497,447 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 4,805 companies, not a prediction for Method & Pragmatism. 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.
Credit verdict
Credit of up to €3,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 20.8 (10.66 in 2025), above the usual 1.5. Short-term debt is 4.6% and cash 91.8% of total assets. 4.6% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
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.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Persistent losses
Two consecutive loss-making years (2025 and 2026); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2026Net result per financial year
1920212223242526
2019 to 2026 · latest year -€9,047
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 23-10-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
8 days early
2025
8 days early
2024
6 days early
2023
4 days early
2022
7 days late
2021
16 days late
2020
13 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 1 day 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.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today. The company usually files around 25 October (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-03-2027 year end31-10-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0631800788
Registered office moved from Woluwe-Saint-Lambert to Mons
New registered office: Rue Fariaux 38D à 7000 Mons · Previous registered office: Rue Kelle 20 à 1200 Woluwe-Saint-Lambert · Permanent representative: BERCHEM Vincent · General meeting of 25-09-2025 · Gazette deed
Reappointment: Mario PAVONI (director)
General meeting of 26-12-2023 · Gazette deed
Incorporation
published on 09-06-2015 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Method & Pragmatism Mons | €36,761 | -€5,830 | 95.4% | - |
| CARAFE La Louvière | €40,330 | -€2,240 | 71.5% | - |
| SOFT TITANIUM Montigny-le-Tilleul | €43,920 | €638 | 70.1% | - |
| 2xM Kontich | €35,683 | -€15,436 | 9.5% | - |
| KameleonPlus Roeselare | €36,798 | €843 | 69.5% | - |
| ICEBERG AGENCY La Hulpe | €42,256 | -€68 | -433.9% | - |
| ARTURIUS Meise | €40,344 | -€36,149 | -260.9% | - |
These companies have the same main activity as Method & Pragmatism: computer programming (NACE 62100). They are comparable in size and age: total assets between €35,700 and €43,900, founded between 2014 and 2016.
Official details
Source: KBO- Status
- Active since 05-06-2015Normal situation
- Activity
- Computer programmingNACE 62100and 4 others
- Establishment unit
- 2.242.784.6097000 Mons, since 05-06-2015
- Financial year end
- 31 March
- Peppol
- Reachable since 07-01-2026
Annual accounts to 31-03-2026
- €36,761▼ 23.9%
- Filing
- Filed on 23-10-2026, 8 days before the end of the filing period
Insights on Method & Pragmatism
Method & Pragmatism files the micro format. That format states no turnover. The gross margin fell from €3,060 in 2017 to -€5,830 in 2026.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Method & Pragmatism
- What is the company number of Method & Pragmatism?
- The company number of Method & Pragmatism is 0631.800.788. The VAT number is the same number with BE in front: BE 0631.800.788.
- Where is Method & Pragmatism based?
- The registered office is at Rue Fariaux 38, 7000 Mons.Company details
- What does Method & Pragmatism do?
- According to the KBO register, the main activity is computer programming (NACE 62100).
- What is the legal form of Method & Pragmatism?
- Method & Pragmatism is a private limited company (BV).
- When was Method & Pragmatism founded?
- Method & Pragmatism was founded on 05-06-2015.
- Is Method & Pragmatism still active?
- Yes, Method & Pragmatism is an active enterprise in the KBO register.
- What is the turnover of Method & Pragmatism?
- The annual accounts for financial year 2026 state no turnover. The micro format does not require it.Financials
- Is Method & Pragmatism profitable?
- In financial year 2026, Method & Pragmatism made a loss of €9,047.
- Where can I find the annual accounts of Method & Pragmatism?
- Method & Pragmatism filed 10 annual accounts with the National Bank of Belgium, the latest for financial year 2026.
- When are the next annual accounts of Method & Pragmatism due?
- Method & Pragmatism must file the annual accounts for financial year 2027 by 31-10-2027.Timeline
Next steps
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