Equity
€243,417 ▲ 31.1%
NETGRAFIX has made a profit without a break since 2018.
NETGRAFIX
Lifetime
15 annual accounts with figures on one time axispeak €159,206 (2025)
€159,206▲ 11.0%
lowest -€15,393 (2015)
€57,698▼ 33.4%
peak €243,417 (2025)
€243,417▲ 31.1%
€682,213▲ 315%
Board1 name since 2010
1 directorCAMERMAN Sophie
Documentsfilings and deeds
31-08-202631 days late
2025micro format
Result from €86,677 to €57,698Equity from €185,719 to €243,417Debts from €164,223 to €682,213Investments €532,867Cash from €390 to €78,659
Key points
from the 2025 annual accountsTurnover
≈ €230,000 estimated
The micro format states no turnover.
Debts
€682,213 ▲ 315%
Debts rose by €517,990 in 2025.
Investments
€554,064 10.8 × depreciation
Green is investment, beige is depreciation. Land and buildings stand 185.3% higher than in 2024.
Filings
15 annual accounts since 2011
Three of the last ten came late. The 2025 accounts came latest: 31 days after the end of the period.
Position in the sector
€243,417
More equity than 85% of companies in computer programming and consultancy. Sector median €69,062 · 21,212 companies.
Checked score
93
Excellent
Financially stronger than 42% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% 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).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.2%▲ +0.1 percentage points vs 06-2025
08-2025: 0.3%▲ +0.1 percentage points vs 07-2025
09-2025: 0.7%▲ +0.4 percentage points vs 08-2025highest value
10-2025: 0.7%● unchanged vs 09-2025highest value
11-2025: 0.7%● unchanged vs 10-2025highest value
12-2025: 0.7%● unchanged vs 11-2025highest value
01-2026: 0.2%▼ -0.5 percentage points vs 12-2025
02-2026: 0.2%● unchanged vs 01-2026
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.3%▲ +0.1 percentage points vs 03-2026
05-2026: 0.2%▼ -0.1 percentage points vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.2%● unchanged vs 06-2026
08-2026: 0.5%▲ +0.3 percentage points vs 07-2026
09-2026: 0.1%▼ -0.4 percentage points vs 08-2026lowest value
10-2026: 0.1%● unchanged vs 09-2026lowest value
11-2026: 0.1%● unchanged vs 10-2026lowest value
Financial strengthAverage
Score breakdown
raises risk
Last filed accounts filed 31 days late; 1 of the last 3 accounts late
lowers risk
Size: total assets €925,630
Sector: Computer programming, consultancy and related activities (NACE 62)
Figures for financial year 2025 (filed on 03-09-2026)
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 26% of them on solvency, 36% on liquidity, 35% on profitability and 72% 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, 2,609 companies had the same profile as NETGRAFIX has now. Each dot stands for 7 companies, two years later.
96.8%
were still trading
2.1%
stopped another way
1.0%
went bankrupt
That fits the bankruptcy probability of NETGRAFIX itself: 0.1% within 12 months.
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 2,609 companies, not a prediction for NETGRAFIX. 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
Credit of up to €22,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.97 (0.71 in 2024), below 1. Short-term debt is 20.4% and cash 8.5% of total assets. 73.7% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 21206 sector peers (2025).
NBB · sector comparisonPosition among 21206 sector peers
Solvency
better than 25%
← weakest
strongest →
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
31 days late
2024
21 days late
2023
on the day
2022
2 days late
2021
37 days early
2020
22 days early
2019
4 days early
← 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 2 August (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
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0830179844
Registered office moved to Lokeren
New registered office: Doorndonkeindeken 10, 9160 Lokeren · Resignation: CAMERMAN Sophie (director) · Reappointment: CAMERMAN Sophie (director) · General meeting of 13-12-2023 · Gazette deed
Incorporation
published on 21-10-2010 · Gazette deed
First establishment
Doorndonkeindeken 10, Lokeren
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| NETGRAFIX Lokeren | €0.9m | €159,206 | 26.3% | - |
| ODCS Laarne | €1.0m | €152,171 | 77.6% | - |
| NOIPEX Wetteren | €0.8m | €171,571 | 93.8% | - |
| DANIMACO Bilzen-Hoeselt | €0.9m | €166,491 | 92.4% | - |
| SORMI Orp-Jauche | €1.0m | €141,672 | 35.2% | - |
| INTELLI CONSULTING SERVICES Hoeilaart | €1.0m | €148,090 | 40.9% | - |
| YesItCan.be Houthalen-Helchteren | €1.0m | €186,312 | 84.5% | - |
These companies have the same main activity as NETGRAFIX: computer programming (NACE 62100). They are comparable in size and age: total assets between €804,000 and €1m, founded between 2009 and 2012.
Official details
Source: KBO- Status
- Active since 12-10-2010Normal situation
- Activity
- Computer programmingNACE 62100
- Establishment unit
- 2.285.050.5769160 Lokeren, since 12-10-2010
- Financial year end
- 31 December
- Peppol
- Reachable since 30-01-2026
Insights on NETGRAFIX
NETGRAFIX files the micro format. That format states no turnover. The gross margin rose from €15,252 in 2011 to €159,206 in 2025.
The balance sheet grew most from 2023 to 2025 through fixed assets, financed with long-term debt.
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 NETGRAFIX
- What is the company number of NETGRAFIX?
- The company number of NETGRAFIX is 0830.179.844. The VAT number is the same number with BE in front: BE 0830.179.844.
- Where is NETGRAFIX based?
- The registered office is at Doorndonkeindeken 10, 9160 Lokeren.Company details
- What does NETGRAFIX do?
- According to the KBO register, the main activity is computer programming (NACE 62100).
- What is the legal form of NETGRAFIX?
- NETGRAFIX is a private limited company (BV).
- When was NETGRAFIX founded?
- NETGRAFIX was founded on 12-10-2010.
- Is NETGRAFIX still active?
- Yes, NETGRAFIX is an active enterprise in the KBO register.
- What is the turnover of NETGRAFIX?
- The turnover in financial year 2025 is ≈ €230,000. This figure is estimated from the gross margin of €159,206 and 32 comparable companies (NACE 62100). It probably lies between €200,000 and €330,000.Financials
- Is NETGRAFIX profitable?
- In financial year 2025, NETGRAFIX made a profit of €57,698.
- Where can I find the annual accounts of NETGRAFIX?
- NETGRAFIX filed 15 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of NETGRAFIX due?
- NETGRAFIX must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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