Equity
-€18,111
Debts exceed assets in financial year 2025.
NETEFFECT
Lifetime
18 annual accounts with figures on one time axispeak €27,115 (2015)
€2,406▲ €4,839
lowest -€18,142 (2022)
-€511▲ €3,500
peak €44,618 (2015)
-€18,111▼ €511
€58,641▲ 9.9%
Board1 name since 2022
1 directorVERSICHEL CHRISTIAN
Documentsfilings and deeds
19-09-202650 days late
2025micro format
Gross margin from -€2,434 to €2,406Loss of €511Legal-form change · Resignations & appointments 11-03Cash from €28,391 to €7,067
Key points
from the 2025 annual accountsLosses
-€4,523 in two years
The 2024 and 2025 financial years closed with a loss. 2024 was the heaviest.
Debts
€58,641 145% of the balance sheet
Suppliers 1%Taxes and wages 10%Other 89%
Investments
€1,417 1.7 × depreciation
Green is investment, beige is depreciation. Machinery stands 1329.1% higher than in 2024.
Filings
18 annual accounts since 2008
Four of the last ten came late. The 2025 accounts came latest: 50 days after the end of the period.
Position in the sector
-44.7%
Lower solvency than 95% of companies in computer programming and consultancy. Sector median 60.0% · 21,206 companies.
Checked score
53
Fair
Financially stronger than 18% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.3% 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 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.3%▲ +0.1 percentage points vs 06-2025highest value
08-2025: 0.2%▼ -0.1 percentage points vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025
02-2026: 0.2%● unchanged vs 01-2026
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026lowest value
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.2%● unchanged vs 06-2026
08-2026: 0.3%▲ +0.1 percentage points vs 07-2026
09-2026: 0.3%● unchanged vs 08-2026
10-2026: 0.3%● unchanged vs 09-2026
11-2026: 0.3%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€18,111
Last filed accounts filed 50 days late; 1 of the last 3 accounts late
lowers risk
Size: total assets €40,530
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 3% of them on solvency, 8% on liquidity, 26% on profitability and 36% 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 31-12-2025.
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).
Comparable companies, two years later
In July 2024, 2,333 companies had the same profile as NETEFFECT has now. Each dot stands for 6 companies, two years later.
90.5%
were still trading
5.8%
stopped another way
2.8%
went bankrupt
Another 0.8% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of NETEFFECT itself is lower: 0.3% within 12 months. It rests on far more data about NETEFFECT 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 2,333 companies, not a prediction for NETEFFECT. 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
No credit on open account
Liquidity is insufficient, with a current ratio of 0.66 (0.64 in 2024), below 1. Short-term debt is 144.7% and cash 17.4% of total assets. Equity is negative.
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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€18,111
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-09-2026, 50 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
50 days late
2024
9 days early
2023
16 days early
2022
28 days early
2021
20 days early
2020
4 days early
2019
19 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 before 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 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 16 July (4 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 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0889962132
Legal-form change · Resignations & appointments
“nouveau texte objet statuts ci-dessous” (deed in French) · Gazette deed
First establishment
Rue de la Source 13, Mont-Saint-Guibert
Incorporation
published on 12-06-2007 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| NETEFFECT Mont-Saint-Guibert | €40,530 | €2,406 | -44.7% | - |
| HAULT CONSULTING Soumagne | €44,369 | €2,275 | 73.2% | - |
| DISTRIFOX Mont-Saint-Guibert | €41,928 | €2,035 | 17.0% | - |
| GM CONSULT Woluwe-Saint-Pierre | €34,735 | €2,308 | 82.5% | - |
| INTERFON Antwerp | €39,802 | €2,582 | -254.1% | - |
| DIMENSION 4 Wielsbeke | €38,031 | €1,984 | -20.5% | - |
| TOFATECH Lennik | €36,462 | €3,030 | 77.9% | - |
These companies have the same main activity as NETEFFECT: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €34,700 and €44,400, founded between 2003 and 2010.
Official details
Source: KBO- Status
- Active since 08-06-2007Normal situation
- Activity
- Computer consultancy and computer facilities managementNACE 62200and 5 others
- Establishment unit
- 2.163.349.7251435 Mont-Saint-Guibert, since 28-06-2007
- Financial year end
- 31 December
- Peppol
- Reachable since 07-01-2026
Insights on NETEFFECT
NETEFFECT files the micro format. That format states no turnover. The gross margin fell from €3,245 in 2008 to €2,406 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.
Key facts about NETEFFECT
- What is the company number of NETEFFECT?
- The company number of NETEFFECT is 0889.962.132. The VAT number is the same number with BE in front: BE 0889.962.132.
- Where is NETEFFECT based?
- The registered office is at Rue de la Source 27, 1435 Mont-Saint-Guibert.Company details
- What does NETEFFECT do?
- According to the KBO register, the main activity is computer consultancy and computer facilities management (NACE 62200).
- What is the legal form of NETEFFECT?
- NETEFFECT is a private limited company (BV).
- When was NETEFFECT founded?
- NETEFFECT was founded on 08-06-2007.
- Is NETEFFECT still active?
- Yes, NETEFFECT is an active enterprise in the KBO register.
- What is the turnover of NETEFFECT?
- The turnover in financial year 2025 is ≈ €13,000. This figure is estimated from the gross margin of €2,406 and 73 comparable companies (NACE 62200). It probably lies between €6,200 and €25,000. It is a rough estimate.Financials
- Is NETEFFECT profitable?
- In financial year 2025, NETEFFECT made a loss of €511.
- Where can I find the annual accounts of NETEFFECT?
- NETEFFECT filed 18 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of NETEFFECT due?
- NETEFFECT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark See what changed in the latest annual accounts.What changed
See how customers, suppliers and banks see your own company and what to improve first.