NetEnvoy
ActiveNetEnvoy has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €230k and a net result of €77k. Equity is growing by ~52.5% per year across the filed fiscal years. Its solvency ranks better than 85% of 16942 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
94
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 8.17 against 5.01 in 2024; short-term debt: 11.8% and cash: 90.1% of total assets), and 11.9% 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
88.1%
Return on assets
29.6%
Age of the figures
9 mo
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 17-05-2026, 75 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
75 d early
2024
55 d early
2023
52 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€230k▲ 50.6%
2024 · €153k
2023: €70k
2024: €153k
2023 → 2025
Total assets
€262k▲ 39.2%
2024 · €188k
2023: €139k
2024: €188k
2023 → 2025
Net result
€77k▼ 6.9%
2024 · €83k
2023: €67k
2024: €83k
2023 → 2025
Working capital
€221k▲ 57.6%
2024 · €140k
2023: €45k
2024: €140k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€70k-€153k▲ 119%€230k▲ 50.6%
Operating result€94k-€107k▲ 14.2%€99k▼ 7.6%
Net result€67k-€83k▲ 24.4%€77k▼ 6.9%
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 8% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €262k
Fixed assets
€10k▼ 22.7%
Current assets
€252k▲ 43.7%
Equity and liabilities €262k
Equity
€230k▲ 50.6%
Debt
€31k▼ 10.9%
The debt ratio falls from 18.6% to 11.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€111k▼
2024 · €119k
Cash flow
€89k▼
2024 · €95k
Solvency
88.1%▲
2024 · 81.4%
Current ratio
8.17▲
2024 · 5.01
Quick ratio
8.17▲
2024 · 5.01
Debt / equity
0.14▼
2024 · 0.23
ROE
33.6%▼
2024 · 54.4%
ROA
29.6%▼
2024 · 44.2%
Interest coverage
573.54▼
2024 · 729.00
Debt
€31k▼
2024 · €35k
Debt ≤ 1 year
€31k▼
2024 · €35k
Income taxes
€21k▼
2024 · €24k
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€188k€262k▲
Fixed assets21/28€13k€10k▼
Tangible fixed assets22/27€13k€10k▼
Land and buildings22-€5k
Furniture and vehicles24€13k€5k▼
Current assets29/58€175k€252k▲
Amounts receivable within one year40/41€19k€16k▼
Trade receivables40€19k€16k▼
Cash at bank and in hand54/58€156k€236k▲
Deferred charges and accrued income490/1€129€151▲
Equity and liabilities
Total equity and liabilities10/49€188k€262k▲
Equity10/15€153k€230k▲
Contributions10/11€3k€3k=
Reserves13€150k€227k▲
Distributable reserves133€150k€227k▲
Amounts payable17/49€35k€31k▼
Amounts payable within one year42/48€35k€31k▼
Trade debts44€2k€866▼
Suppliers440/4€2k€866▼
Taxes, remuneration and social security45€33k€29k▼
Taxes450/3€33k€29k▼
Other amounts payable47/48€783€1k▲
Accrued charges and deferred income492/3-€363
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k▲
Other operating charges640/8€626€737▲
Gross operating margin9900€120k€112k▼
Operating profit (loss)9901€107k€99k▼
Financial charges65/66B€163€194▲
Recurring financial charges65€163€194▲
Profit (loss) for the period before taxes9903€107k€99k▼
Income taxes67/77€24k€21k▼
Profit (loss) for the period9904€83k€77k▼
Profit (loss) for the period to be appropriated9905€83k€77k▼
Appropriation of the result
Profit (loss) to be appropriated9906€83k€77k▼
Transfer to equity691/2€83k€77k▼
To other reserves6921€83k€77k▼
The notes to these accounts (14 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
17-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €200kEq €230k ▲50.6%
3 profitable years in a row build equity to €230k.
06-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €83k ▲24.4%
Operating result €107k, net result €83k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 5.01
Current ratio from 1.66 to 5.01; short-term debt falls from €69k to €35k.
31-12
Financial
Equity above €150kEq €153k ▲119%
2 profitable years in a row build equity to €153k.
09-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Oosterzele · 1 establishment unit since 2023
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.
Sint-Lievensstraat 309860 OosterzeleGround area
1,455 m²
Building footprint
185 m²
Volume, LiDAR
1,070 m³
2 parcels, Flanders · tallest building 11.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
NetEnvoy
since 20232.339.937.037
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44023A0524/00C000 | Flanders | 1,355 m² | 1 · 125 m² | 6.8 m · 2 fl. |
| 44022A0418/00K005 | Flanders | 99 m² | 1 · 59 m² | 11.9 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,992 companies in sector 62200 we hold annual accounts for 18,386. 14,384 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-01-2023
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.