MINDSPELLER
ActiveMINDSPELLER has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €45k and a net result of €-134k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 11% of 16906 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency15▲+5
Growth52=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days only on tighter terms
Liquidity tight (current ratio 1.06 against 0.03 in 2024), and 96.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
3.9%
Return on assets
-11.5%
Age of the figures
8 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€134k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 16906 sector peers (2025).
NBB · sector comparisonPosition among 16906 sector peers
Solvency
better than 11%
← weakest
strongest →
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 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
30 d early
2023
57 d early
2022
41 d early
2021
53 d early
2020
40 d early
2019
59 d early
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€45k▼ 74.9%
2024 · €178k
2018: €30k
2019: €-216k
2020: €169k
2021: €-90k
2022: €-198k
2023: €253k
2024: €178k
2018 → 2025
Total assets
€1.16M▼ 7.0%
2024 · €1.25M
2018: €316k
2019: €469k
2020: €1.20M
2021: €854k
2022: €706k
2023: €1.30M
2024: €1.25M
2018 → 2025
Net result
€-134k▼ 79.9%
2024 · €-74k
2018: €-47k
2019: €-246k
2020: €-36k
2021: €-259k
2022: €-108k
2023: €-188k
2024: €-74k
2018 → 2025
Working capital
€2k
2024 · €-1.03M
2018: €205k
2019: €76k
2020: €561k
2021: €169k
2022: €-48k
2023: €-50k
2024: €-1.03M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-90k-€-198k▼ 120%€253k€178k▼ 29.4%€45k▼ 74.9%
Operating result€-256k-€-106k▲ 58.7%€-44k▲ 58.6%€-25k▲ 42.6%€-64k▼ 156%
Net result€-259k-€-108k▲ 58.2%€-188k▼ 73.5%€-74k▲ 60.5%€-134k▼ 79.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €64k in 2025 against €25k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.16M
Fixed assets
€1.12M▼ 7.8%
Current assets
€44k▲ 22.3%
Equity and liabilities €1.16M
Equity
€45k▼ 74.9%
Debt
€1.12M▲ 4.4%
The debt ratio rises from 85.7% to 96.1%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€86k▲
2024 · €85k
Cash flow
€17k▼
2024 · €36k
Solvency
3.9%▼
2024 · 14.3%
Current ratio
1.06▲
2024 · 0.03
Quick ratio
1.06▲
2024 · 0.03
Debt / equity
24.97▲
2024 · 6.01
ROE
-298.3%▼
2024 · -41.6%
ROA
-11.5%▼
2024 · -5.9%
Interest coverage
1.84▲
2024 · 1.74
Debt
€1.12M▲
2024 · €1.07M
Debt ≤ 1 year
€42k▼
2024 · €1.06M
Debt > 1 year
€1.03M▲
2024 · €0
Income taxes
€335▲
2024 · €320
Staff costs
€28k▼
2024 · €50k
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€1.25M€1.16M▼
Fixed assets21/28€1.21M€1.12M▼
Intangible fixed assets21€542k€471k▼
Tangible fixed assets22/27€3k€1k▼
Furniture and vehicles24€3k€1k▼
Financial fixed assets28€669k€647k▼
Current assets29/58€36k€44k▲
Amounts receivable within one year40/41€4k€9k▲
Trade receivables40€4k€1k▼
Other amounts receivable41€0€8k▲
Cash at bank and in hand54/58€29k€32k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€1.25M€1.16M▼
Equity10/15€178k€45k▼
Contributions10/11€647k€647k=
Revaluation surpluses12€639k€639k=
Profit (loss) carried forward14€-1.11M€-1.24M▼
Amounts payable17/49€1.07M€1.12M▲
Amounts payable after more than one year17€0€1.03M▲
Financial debts170/4€0€1.03M▲
Amounts payable within one year42/48€1.06M€42k▼
Current portion of amounts payable after more than one year42€985k€0▼
Financial debts43€157€142▼
Credit institutions430/8€157€142▼
Trade debts44€12k€22k▲
Suppliers440/4€12k€22k▲
Taxes, remuneration and social security45€7k€1k▼
Taxes450/3€3k€654▼
Remuneration and social security454/9€4k€694▼
Other amounts payable47/48€59k€18k▼
Accrued charges and deferred income492/3€8k€48k▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€50k€28k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€111k€150k▲
Other operating charges640/8€0€446▲
Non-recurring operating charges66A-€11
Gross operating margin9900€136k€114k▼
Operating profit (loss)9901€-25k€-64k▼
Financial income75/76B€173€167▼
Recurring financial income75€173€167▼
Financial charges65/66B€49k€69k▲
Recurring financial charges65€49k€47k▼
Non-recurring financial charges66B-€22k
Profit (loss) for the period before taxes9903€-74k€-133k▼
Income taxes67/77€320€335▲
Profit (loss) for the period9904€-74k€-134k▼
Profit (loss) for the period to be appropriated9905€-74k€-134k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-1.11M€-1.24M▼
Profit (loss) brought forward from the previous period14P€-1.03M€-1.11M▼
The notes to these accounts (17 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity times 31current ratio 1.06
Current ratio from 0.03 to 1.06; short-term debt falls from €1.06M to €42k.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
04-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €253k
Equity rises from €-198k to €253k.
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
08-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €-259k
Net result drops to €-259k, the lowest in the series; recovery starts the following year.
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity doublescurrent ratio 3.57
Current ratio from 1.46 to 3.57.
31-12
Financial
Equity above €150kEq €169k
Equity rises from €-216k to €169k.
02-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
05-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2023
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
01-01-2023
Vanderheyde Lobke: Resigned as Director
24-08-2021
Jonathan Comelissen: Resigned as Director
Location & real-estate footprint
Registered office, Herent · 1 establishment unit since 2015
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.
Duigemhofstraat 1013020 HerentGround area
4,682 m²
Building footprint
943 m²
Volume, LiDAR
6,604 m³
Parcel 24423H0002/00C000, Flanders · tallest building 13.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Mindspeller
since 20152.243.069.966
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24423H0002/00C000 | Flanders | 4,682 m² | 1 · 943 m² | 13.3 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 42,900 EUR awarded · 3,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 42,900 EUR | 3,000 EUR |
Schemes
Subsidies voor internationaal ondernemen
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Of 29,885 companies in sector 62200 we hold annual accounts for 18,321. 15,123 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-05-2015
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
73200Market research and public opinion polling
Sources
Crossroads Bank for EnterprisesNational Bank · 10 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.