NAFIS
ActiveNAFIS has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €312k and a net result of €51k. Equity is growing by ~25.2% per year across the filed fiscal years. Its solvency ranks better than 72% of 16935 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▼-18
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 7.87 against 6.08 in 2024), and 21.4% 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 →
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
78.6%
Return on assets
12.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 9 filingsDeviation from the deadline
2025
25 d late
2024
21 d late
2023
22 d late
2022
18 d late
2021
41 d late
2020
13 d late
2019
26 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€312k▲ 19.6%
2024 · €261k
2018: €42k
2019: €62k
2020: €100k
2021: €138k
2022: €165k
2023: €207k
2024: €261k
2018 → 2025
Total assets
€397k▲ 10.8%
2024 · €358k
2018: €163k
2019: €183k
2020: €225k
2021: €261k
2022: €275k
2023: €298k
2024: €358k
2018 → 2025
Net result
€51k▼ 4.8%
2024 · €54k
2018: €20k
2019: €20k
2020: €38k
2021: €38k
2022: €27k
2023: €42k
2024: €54k
2018 → 2025
Working capital
€261k▲ 22.4%
2024 · €213k
2018: €29k
2019: €25k
2020: €59k
2021: €97k
2022: €124k
2023: €163k
2024: €213k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€138k-€165k▲ 19.3%€207k▲ 25.5%€261k▲ 25.8%€312k▲ 19.6%
Operating result€58k-€37k▼ 36.7%€60k▲ 63.8%€75k▲ 24.6%€70k▼ 6.5%
Net result€38k-€27k▼ 30.1%€42k▲ 57.6%€54k▲ 27.2%€51k▼ 4.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €397k
Fixed assets
€98k▼ 4.9%
Current assets
€299k▲ 17.2%
Equity and liabilities €397k
Equity
€312k▲ 19.6%
Debt
€85k▼ 12.6%
The debt ratio falls from 27.1% to 21.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€75k▼
2024 · €80k
Cash flow
€56k▼
2024 · €59k
Solvency
78.6%▲
2024 · 72.9%
Current ratio
7.87▲
2024 · 6.08
Quick ratio
7.87▲
2024 · 6.08
Debt / equity
0.27▼
2024 · 0.37
ROE
16.4%▼
2024 · 20.5%
ROA
12.9%▼
2024 · 15.0%
Interest coverage
40.47▼
2024 · 106.97
Debt
€85k▼
2024 · €97k
Debt ≤ 1 year
€38k▼
2024 · €42k
Debt > 1 year
€46k▼
2024 · €55k
Income taxes
€26k▼
2024 · €27k
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€358k€397k▲
Fixed assets21/28€103k€98k▼
Intangible fixed assets21€82k€77k▼
Tangible fixed assets22/27€456€228▼
Other tangible fixed assets26€456€228▼
Financial fixed assets28€20k€20k=
Current assets29/58€255k€299k▲
Amounts receivable within one year40/41€181k€256k▲
Trade receivables40€37k€29k▼
Other amounts receivable41€145k€226k▲
Cash at bank and in hand54/58€73k€42k▼
Deferred charges and accrued income490/1€1k€1k=
Equity and liabilities
Total equity and liabilities10/49€358k€397k▲
Equity10/15€261k€312k▲
Contributions10/11€6k€6k=
Reserves13€255k€306k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€253k€304k▲
Amounts payable17/49€97k€85k▼
Amounts payable after more than one year17€55k€46k▼
Financial debts170/4€55k€46k▼
Amounts payable within one year42/48€42k€38k▼
Current portion of amounts payable after more than one year42€8k€8k▲
Taxes, remuneration and social security45€34k€30k▼
Taxes450/3€34k€30k▼
Accrued charges and deferred income492/3€503€501▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k=
Other operating charges640/8€1k€1k▲
Gross operating margin9900€81k€76k▼
Operating profit (loss)9901€75k€70k▼
Financial income75/76B€6k€9k▲
Recurring financial income75€6k€9k▲
Financial charges65/66B€745€2k▲
Recurring financial charges65€745€2k▲
Profit (loss) for the period before taxes9903€80k€77k▼
Income taxes67/77€27k€26k▼
Profit (loss) for the period9904€54k€51k▼
Profit (loss) for the period to be appropriated9905€54k€51k▼
Appropriation of the result
Profit (loss) to be appropriated9906€54k€51k▼
Transfer to equity691/2€54k€51k▼
To other reserves6921€54k€51k▼
The notes to these accounts (9 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
31-12
Financial
Highest result since 2018net €54k ▲27.2%
Operating result €75k, net result €54k, both a record.
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2023
31-12
Financial
Equity above €200kEq €207k ▲25.5%
6 profitable years in a row build equity to €207k.
18-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 18 days late
2022
31-12
Financial
Equity above €150kEq €165k ▲19.3%
5 profitable years in a row build equity to €165k.
10-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 41 days late
2021
13-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 13 days late
2020
31-12
Financial
Equity above €100kEq €100k ▲61.6%
3 profitable years in a row build equity to €100k.
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
2019
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2018
17-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Lessines · 1 establishment unit since 2016
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.
Rue Notre Dame(BL) 617866 LessinesGround area
3,120 m²
Building footprint
200 m²
Parcel 55002A0271/00C000, Wallonia. Linked by address, not a title deed.
1 establishment unit
NAFIS
since 20162.254.352.056
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55002A0271/00C000 | Wallonia | 3,120 m² | 1 · 200 m² | - |
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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JOINTMEDIA
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ORBIFOLD
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Of 16,813 companies in sector 62100 we hold annual accounts for 8,747. 6,105 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-06-2016
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:schpitt@gmail.com
Phone:0478/286652