Minnoy
ActiveSummary
Minnoy has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €124,840 and a net result of €29,822. Equity is growing by ~27.8% per year across the filed fiscal years. Its solvency ranks better than 60% of 17179 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability89▲+55
Solvency94▲+9
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10,000 at 30 days acceptable
Liquidity ample (current ratio 3.19 against 2.42 in 2024; short-term debt: 24.7% and cash: 9.1% of total assets), and 30.7% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Three 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
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← 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
69.3%
Return on assets
16.6%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
2 d early
2022
1 d early
2021
3 d early
2020
3 d early
2019
2 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 2 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close28-09-2026 today31-01-2027 deadline
History
Go further with this company
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Financials · fiscal year 2025, micro schema
Equity
€124,840▲ 30.8%
2024 · €95,468
Total assets
€180,145▲ 12.7%
2024 · €159,814
Net result
€29,822
2024 · -€4,434
Working capital
€97,811▲ 54.7%
2024 · €63,245
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€34,058▲ 83.5%€42,658▲ 25.3%€43,959▲ 3.0%-€8,109€41,506
Net result€22,853within the sector's middle half▲ 58.7%€28,413within the sector's middle half▲ 24.3%€28,303within the sector's middle half▼ 0.4%-€4,434below the sector's middle half€29,822within the sector's middle half
Equity€44,586within the sector's middle half▲ 97.9%€72,299within the sector's middle half▲ 62.2%€99,902within the sector's middle half▲ 38.2%€95,468within the sector's middle half▼ 4.4%€124,840within the sector's middle half▲ 30.8%
Total assets€67,044below the sector's middle half▲ 25.2%€111,922within the sector's middle half▲ 66.9%€166,043within the sector's middle half▲ 48.4%€159,814within the sector's middle half▼ 3.8%€180,145within the sector's middle half▲ 12.7%
Debt€22,458▼ 27.6%€39,623▲ 76.4%€66,141▲ 66.9%€64,345▼ 2.7%€55,305▼ 14.0%
Working capital€33,792▲ 209%€57,280▲ 69.5%€68,697▲ 19.9%€63,245▼ 7.9%€97,811▲ 54.7%
Solvency66.5%within the sector's middle half▲ 24.4pp64.6%within the sector's middle half▼ 1.9pp60.2%within the sector's middle half▼ 4.4pp59.7%within the sector's middle half▼ 0.4pp69.3%within the sector's middle half▲ 9.6pp
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €41,506 after a loss of €8,109 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €180,145
Fixed assets
€37,751 ▼ 27.2%
Current assets
€142,393 ▲ 31.9%
Equity and liabilities €180,145
Equity
€124,840 ▲ 30.8%
Debt
€55,305 ▼ 14.0%
Debt's share of the balance-sheet total falls from 40.3% to 30.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€58,620▲
2024 · €5,750
Cash flow
€46,936▲
2024 · €9,425
Current ratio
3.19▲
2024 · 2.42
Debt to equity
0.44▼
2024 · 0.67
ROE
23.9%▲
2024 · -4.6%
ROA
16.6%▲
2024 · -2.8%
Interest coverage
22.06▲
2024 · 2.24
Debt ≤ 1 year
€44,583▼
2024 · €44,690
Debt > 1 year
€10,722▼
2024 · €19,656
Income taxes
€9,980▲
2024 · €163
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,970 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.5%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,970 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €794 | €794 | €8,102 | €13,859 | €17,114 | ▲ 23.5% |
| Other operating charges640/8 | - | €348 | €1,699 | €1,316 | €1,308 | ▼ 0.6% |
| Gross operating margin9900 | €35,200 | €43,800 | €53,760 | €7,066 | €59,928 | ▲ 748% |
| Operating profit (loss)9901 | €34,058 | €42,658 | €43,959 | -€8,109 | €41,506 | ▲ 612% |
| Financial income75/76B | - | - | - | €6,401 | €953 | ▼ 85.1% |
| Recurring financial income75 | - | - | - | €6,401 | €953 | ▼ 85.1% |
| Financial charges65/66B | - | €851 | €2,273 | €2,562 | €2,658 | ▲ 3.7% |
| Recurring financial charges65 | €641 | €851 | €2,273 | €2,562 | €2,658 | ▲ 3.7% |
| Profit (loss) for the period before taxes9903 | €33,417 | €41,807 | €41,686 | -€4,271 | €39,801 | ▲ 1,032% |
| Income taxes67/77 | €10,564 | €13,394 | €13,383 | €163 | €9,980 | ▲ 6,018% |
| Profit (loss) for the period9904 | €22,853 | €28,413 | €28,303 | -€4,434 | €29,822 | ▲ 773% |
| Profit (loss) for the period to be appropriated9905 | €22,853 | €28,413 | €28,303 | -€4,434 | €29,822 | ▲ 773% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €67,044 | €111,922 | €166,043 | €159,814 | €180,145 | ▲ 12.7% |
| Fixed assets21/28 | €10,794 | €16,000 | €58,338 | €51,879 | €37,751 | ▼ 27.2% |
| Intangible fixed assets21 | €1 | €0 | - | €2,208 | €1,708 | ▼ 22.6% |
| Tangible fixed assets22/27 | €793 | - | €42,338 | €49,671 | €36,044 | ▼ 27.4% |
| Plant, machinery and equipment23 | - | - | €1,087 | €18,242 | €14,436 | ▼ 20.9% |
| Furniture and vehicles24 | - | - | €41,251 | €31,429 | €21,608 | ▼ 31.2% |
| Financial fixed assets28 | €10,000 | €16,000 | €16,000 | - | - | - |
| Current assets29/58 | €56,250 | €95,922 | €107,705 | €107,935 | €142,393 | ▲ 31.9% |
| Amounts receivable within one year40/41 | €4,544 | €29,137 | €4,617 | €23,542 | €5,746 | ▼ 75.6% |
| Trade receivables40 | - | €29,137 | - | €11,616 | - | - |
| Other amounts receivable41 | - | - | €4,617 | €11,926 | €5,746 | ▼ 51.8% |
| Current investments50/53 | - | - | - | €9,000 | €119,091 | ▲ 1,223% |
| Cash at bank and in hand54/58 | €45,649 | €56,663 | €103,088 | €74,222 | €16,381 | ▼ 77.9% |
| Deferred charges and accrued income490/1 | - | €10,121 | - | €1,171 | €1,176 | ▲ 0.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €67,044 | €111,922 | €166,043 | €159,814 | €180,145 | ▲ 12.7% |
| Equity10/15 | €44,586 | €72,299 | €99,902 | €95,468 | €124,840 | ▲ 30.8% |
| Contributions10/11 | - | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €32,186 | €59,899 | €87,502 | €87,502 | €112,440 | ▲ 28.5% |
| Distributable reserves133 | - | €59,899 | €87,502 | €87,502 | €112,440 | ▲ 28.5% |
| Profit (loss) carried forward14 | -€455 | - | - | -€4,434 | - | - |
| Amounts payable17/49 | €22,458 | €39,623 | €66,141 | €64,345 | €55,305 | ▼ 14.0% |
| Amounts payable after more than one year17 | - | - | €27,133 | €19,656 | €10,722 | ▼ 45.5% |
| Financial debts170/4 | - | - | €27,133 | €19,656 | €10,722 | ▼ 45.5% |
| Amounts payable within one year42/48 | €22,458 | €38,642 | €39,008 | €44,690 | €44,583 | ▼ 0.2% |
| Current portion of amounts payable after more than one year42 | - | - | €8,478 | €8,703 | €8,934 | ▲ 2.6% |
| Trade debts44 | €625 | €793 | €2,783 | €1,490 | €2,129 | ▲ 42.9% |
| Suppliers440/4 | - | €793 | €2,783 | €1,490 | €2,129 | ▲ 42.9% |
| Taxes, remuneration and social security45 | - | €15,352 | €3,816 | €9,792 | €3,312 | ▼ 66.2% |
| Taxes450/3 | - | €15,352 | €3,816 | €9,792 | €3,312 | ▼ 66.2% |
| Other amounts payable47/48 | - | €22,496 | €23,931 | €24,704 | €30,208 | ▲ 22.3% |
| Accrued charges and deferred income492/3 | - | €981 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €22,853 | €28,413 | €28,303 | -€4,434 | €29,822 | ▲ 773% |
| + Depreciation and write-downs630 | €794 | €794 | €8,102 | €13,859 | €17,114 | ▲ 23.5% |
| Operating cash flow (approximation) | €23,647 | €29,207 | €36,405 | €9,425 | €46,936 | ▲ 398% |
| Investment in fixed assets (approximation) | - | -€6,000 | -€50,440 | -€7,400 | -€2,987 | ▲ 59.6% |
| Change in cash | - | €11,014 | €46,425 | -€28,866 | -€57,841 | ▼ 100% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Back to profitnet €29,822
Net result €29,822 after one loss-making year.
30-06
Financial
Equity above €100,000Eq €124,840 ▲30.8%
Equity rises from €95,468 to €124,840.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet -€4,434
Net result drops to -€4,434, the lowest in the series; recovery starts the following year.
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Back to profitnet €14,399
Net result €14,399 after one loss-making year.
29-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 acts for this company are 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, Holsbeek · 1 establishment unit since 2017
Ground area
528 m²
Building footprint
136 m²
Volume, LiDAR
801 m³
Parcel 24043A0130/00L003, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Langeveld 78, 3220 Holsbeek
since 20172.267.243.554
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24043A0130/00L003 | Flanders | 528 m² | 1 · 136 m² | 8.5 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 889 EUR awarded · 1,646 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 612 EUR | 612 EUR |
| 2023 | 1 | 277 EUR | 1,034 EUR |
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Of 30,007 companies in sector 62200 we hold annual accounts for 18,400. 15,464 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded22-08-2017
Fiscal year end30-06
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
26200Manufacture of computer, electronic and optical products
62900Other information technology and computer services
62100Computer programming
63100Computing infrastructure, data processing, hosting and related activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0679942779
Also
9925:BE0679942779
Registered
12-11-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.