PictA-consult
ActivePictA-consult has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €92k and a net result of €41k. Equity is growing by ~18.8% per year across the filed fiscal years. Its solvency ranks better than 70% of 17046 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
98
/ 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▲+29
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 3.26 against 1.71 in 2024; short-term debt: 22.7% and cash: 46.9% of total assets), and 22.7% 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○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 · 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
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
77.3%
Return on assets
34.6%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
20 d late
2024
20 d early
2023
14 d early
2022
24 d early
2021
8 d late
2020
31 d early
2019
59 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€92k▲ 81.0%
2024 · €51k
2018: €14k
2019: €14k
2020: €14k
2021: €16k
2022: €19k
2023: €20k
2024: €51k
2018 → 2025
Total assets
€118k▲ 8.0%
2024 · €110k
2018: €92k
2019: €91k
2020: €102k
2021: €96k
2022: €150k
2023: €89k
2024: €110k
2018 → 2025
Net result
€41k▼ 37.8%
2024 · €66k
2018: €23k
2019: €28k
2020: €48k
2021: €52k
2022: €53k
2023: €45k
2024: €66k
2018 → 2025
Working capital
€61k▲ 45.2%
2024 · €42k
2018: €13k
2019: €2k
2020: €2k
2021: €7k
2022: €-15k
2023: €-700
2024: €42k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€16k-€19k▲ 20.9%€20k▲ 1.3%€51k▲ 157%€92k▲ 81.0%
Operating result€65k-€68k▲ 4.2%€57k▼ 15.9%€89k▲ 55.5%€55k▼ 37.5%
Net result€52k-€53k▲ 3.0%€45k▼ 15.2%€66k▲ 45.6%€41k▼ 37.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 37% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €118k
Fixed assets
€31k▲ 256%
Current assets
€88k▼ 13.1%
Equity and liabilities €118k
Equity
€92k▲ 81.0%
Debt
€27k▼ 54.5%
The debt ratio falls from 53.9% to 22.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€65k▼
2024 · €104k
Cash flow
€50k▼
2024 · €81k
Solvency
77.3%▲
2024 · 46.1%
Current ratio
3.26▲
2024 · 1.71
Quick ratio
3.26▲
2024 · 1.71
Debt / equity
0.29▼
2024 · 1.17
ROE
44.8%▼
2024 · 130.3%
ROA
34.6%▼
2024 · 60.1%
Interest coverage
1617.39▲
2024 · 565.23
Debt
€27k▼
2024 · €59k
Debt ≤ 1 year
€27k▼
2024 · €59k
Income taxes
€16k▼
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€110k€118k▲
Fixed assets21/28€9k€31k▲
Tangible fixed assets22/27€9k€31k▲
Plant, machinery and equipment23€2k€8k▲
Furniture and vehicles24€6k€18k▲
Other tangible fixed assets26-€5k
Current assets29/58€101k€88k▼
Amounts receivable within one year40/41€29k€30k▲
Trade receivables40€19k€23k▲
Other amounts receivable41€10k€7k▼
Cash at bank and in hand54/58€67k€56k▼
Deferred charges and accrued income490/1€5k€2k▼
Equity and liabilities
Total equity and liabilities10/49€110k€118k▲
Equity10/15€51k€92k▲
Contributions10/11€12k€12k=
Reserves13€33k€74k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€31k€72k▲
Profit (loss) carried forward14€6k€6k=
Amounts payable17/49€59k€27k▼
Amounts payable within one year42/48€59k€27k▼
Trade debts44€7k€2k▼
Suppliers440/4€7k€2k▼
Taxes, remuneration and social security45€17k€14k▼
Taxes450/3€17k€14k▼
Other amounts payable47/48€35k€11k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€9k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€106k€67k▼
Operating profit (loss)9901€89k€55k▼
Financial income75/76B€1k€1k▲
Recurring financial income75€1k€1k▲
Financial charges65/66B€184€40▼
Recurring financial charges65€184€40▼
Profit (loss) for the period before taxes9903€90k€57k▼
Income taxes67/77€24k€16k▼
Profit (loss) for the period9904€66k€41k▼
Profit (loss) for the period to be appropriated9905€66k€41k▼
Appropriation of the result
Profit (loss) to be appropriated9906€71k€47k▼
Profit (loss) brought forward from the previous period14P€6k€6k=
Transfer to equity691/2€31k€41k▲
To other reserves6921€31k€41k▲
Profit to be distributed694/7€35k-
Return on contributions (dividend)694€35k-
The notes to these accounts (7 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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €66k ▲45.6%
Operating result €89k, net result €66k, both a record.
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
08-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 8 days late
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
02-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Ternat · 1 establishment unit since 2006
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.
Meersstraat 1771742 TernatGround area
1,059 m²
Building footprint
167 m²
Volume, LiDAR
1,061 m³
Parcel 23071B0088/00H000, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PictA-Consult
since 20062.153.708.717
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23071B0088/00H000 | Flanders | 1,059 m² | 1 · 167 m² | 9.6 m · 2 fl. |
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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Of 30,000 companies in sector 62200 we hold annual accounts for 18,395. 15,593 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded04-05-2006
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
72100
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.