PARADIGMS
ActivePARADIGMS has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (€-56k) and a net result of €-1k. Equity is shrinking by ~24.7% per year across the filed fiscal years. Its solvency ranks better than 5% of 20787 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2024
10
/ 100
Critical▲ +2 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability9▼-41
Solvency33=
Growth38=
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.0 against 0.04 in 2023), and equity is negative.
Credit advice for your own amount and term
Signals
Seven 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Return on assets
-19.2%
Age of the figures
20 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Negative equity
Equity is negative for financial year 2024: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year -€56k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 15-09-2025, 46 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
46 d late
2023
55 d late
2022
63 d late
2021
221 d late
2020
199 d late
2019
122 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€2k▲ 126%
2021 · €900
2018: €3k
2019: €1k
2020: €900
2021: €900
2018 → 2023
EBIT margin
48.3%▲ 2823.2pp
2021 · -2774.9%
2018: -1127.2%
2019: -3088.7%
2020: -3156.4%
2021: -2774.9%
2018 → 2023
Net result
€-1k
2023 · €930
2018: €-39k
2019: €-31k
2020: €-29k
2021: €-25k
2022: €-2k
2023: €930
2018 → 2024
Working capital
€-62k▼ 1.8%
2023 · €-61k
2018: €25k
2019: €-6k
2020: €-35k
2021: €-60k
2022: €-62k
2023: €-61k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€900-€900=€2k
Equity€-30k-€-55k▼ 84.0%€-56k▼ 2.8%€-55k▲ 1.7%€-56k▼ 1.9%
Operating result€-28k-€-25k▲ 12.1%€-1k▲ 94.2%€981€-1k
Net result€-29k-€-25k▲ 12.7%€-2k▲ 94.0%€930€-1k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €1k after €981 in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €6k
Fixed assets
€5k=
Current assets
€221▼ 91.6%
Key figures and ratios
Current ratio
0.00▼
2023 · 0.04
Quick ratio
0.00▼
2023 · 0.04
Debt / equity
-1.10▲
2023 · -1.14
ROE
1.9%▲
2023 · -1.7%
ROA
-19.2%▼
2023 · 11.7%
Debt
€62k▼
2023 · €63k
Debt ≤ 1 year
€62k▼
2023 · €63k
A ratio outside any meaningful range has been withheld (balance sheet total €6k, equity €-56k).
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€8k€6k▼
Fixed assets21/28€5k€5k=
Tangible fixed assets22/27€5k€5k=
Plant, machinery and equipment23€5k€5k=
Financial fixed assets28€183€183=
Current assets29/58€3k€221▼
Amounts receivable within one year40/41€3k€221▼
Trade receivables40€3k-
Other amounts receivable41-€221
Cash at bank and in hand54/58€67€0▼
Equity and liabilities
Total equity and liabilities10/49€8k€6k▼
Equity10/15€-55k€-56k▼
Contributions10/11€7k€7k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-64k€-65k▼
Amounts payable17/49€63k€62k▼
Amounts payable within one year42/48€63k€62k▼
Trade debts44€3k€1k▼
Bills of exchange payable441€3k€1k▼
Taxes, remuneration and social security45€56k€56k=
Remuneration and social security454/9€56k€56k=
Other amounts payable47/48€4k€5k▲
Income statement
Code20232024
Turnover70€2k-
Goods, raw materials, services and sundry goods60/61€1k€1k▼
Gross operating margin9900€981€-1k▼
Operating profit (loss)9901€981€-1k▼
Financial charges65/66B€51€67▲
Recurring financial charges65€51€67▲
Profit (loss) for the period before taxes9903€930€-1k▼
Profit (loss) for the period9904€930€-1k▼
Profit (loss) for the period to be appropriated9905€930€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-64k€-65k▼
Profit (loss) brought forward from the previous period14P€-65k€-64k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
15-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 46 days late
2024
24-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 55 days late
2023
31-12
Financial
Back to profitnet €930
Net result €930 after 5 loss-making years.
02-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 63 days late
09-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 221 days late
2022
15-02
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 199 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 122 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 61 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 60 days late
2016
06-10
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 67 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, Enghien · 1 establishment unit since 2011
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.
Margrietendreef(P.E.) 407850 EnghienGround area
7,092 m²
Building footprint
2,247 m²
Volume, LiDAR
27,936 m³
2 parcels, Brussels, Wallonia · tallest building 22.9 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Calabriëlaan 15, 1200 Sint-Lambrechts-Woluwe
since 20112.200.222.393
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55033A0527/00F005 | Wallonia | 3,856 m² | 1 · 269 m² | - |
| 21018A0172/00T000 | Brussels | 3,236 m² | 1 · 1,979 m² | 22.9 m · 5 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 16,811 companies in sector 62100 we hold annual accounts for 8,749. 6,352 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-06-2011
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.