POINTER
ActivePOINTER has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €313k and a net result of €55k. Equity remains stable across the filed fiscal years (±1.5% per year). Its solvency ranks better than 74% of 16619 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
93
/ 100
Excellent▼ -5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▼-13
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 4.93 against 4.15 in 2024), and 19.7% 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
80.3%
Return on assets
14%
Age of the figures
11 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 15-04-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
51 d early
2023
19 d early
2022
24 d early
2021
73 d early
2020
70 d early
2019
50 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
06-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€313k▲ 4.8%
2024 · €299k
2021: €290k
2022: €319k
2023: €340k
2024: €299k
2021 → 2025
Total assets
€390k▲ 0.6%
2024 · €388k
2021: €350k
2022: €408k
2023: €423k
2024: €388k
2021 → 2025
Net result
€55k▼ 36.7%
2024 · €86k
2021: €39k
2022: €74k
2023: €51k
2024: €86k
2021 → 2025
Working capital
€302k▲ 7.9%
2024 · €280k
2021: €237k
2022: €268k
2023: €307k
2024: €280k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€290k-€319k▲ 9.9%€340k▲ 6.6%€299k▼ 12.1%€313k▲ 4.8%
Operating result€55k-€98k▲ 76.8%€68k▼ 30.4%€106k▲ 55.0%€65k▼ 38.3%
Net result€39k-€74k▲ 89.6%€51k▼ 30.9%€86k▲ 69.2%€55k▼ 36.7%
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 38% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €390k
Fixed assets
€12k▼ 40.1%
Current assets
€379k▲ 2.7%
Equity and liabilities €390k
Equity
€313k▲ 4.8%
Debt
€77k▼ 13.4%
The debt ratio falls from 22.9% to 19.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€74k▼
2024 · €114k
Cash flow
€63k▼
2024 · €95k
Solvency
80.3%▲
2024 · 77.1%
Current ratio
4.93▲
2024 · 4.15
Quick ratio
4.93▲
2024 · 4.15
Debt / equity
0.25▼
2024 · 0.30
ROE
17.4%▼
2024 · 28.8%
ROA
14.0%▼
2024 · 22.2%
Interest coverage
325.67▲
2024 · 180.74
Debt
€77k▼
2024 · €89k
Debt ≤ 1 year
€77k▼
2024 · €89k
Income taxes
€21k▼
2024 · €28k
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
Total assets
20/58€388k€390k▲
Fixed assets
21/28€19k€12k▼
Tangible fixed assets
22/27€19k€12k▼
Current assets
29/58€369k€379k▲
Amounts receivable within one year
40/41€23k€36k▲
Investments
50/53€82k€72k▼
Cash & bank
54/58€105k€126k▲
Total equity & liabilities
10/49€388k€390k▲
Equity
10/15€299k€313k▲
Contributions / capital
10/11€12k€12k=
Reserves
13€287k€301k▲
Amounts payable
17/49€89k€77k▼
Amounts payable within one year
42/48€89k€77k▼
Trade debts payable within one year
44€4k€1k▼
Income statement
Code20242025
Gross operating margin
9900€116k€75k▼
Operating result
9901€106k€65k▼
Financial income
75€9k€11k▲
Financial charges
65€633€227▼
Result before taxes
9903€114k€76k▼
Income taxes
67/77€28k€21k▼
Net result for the period
9904€86k€55k▼
Result to be appropriated
9905€86k€55k▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
15-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
10-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2021net €86k ▲69.2%
Operating result €106k, net result €86k, both a record.
11-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-11
State Gazette act
Director changes
v3.2
06-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
16-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
19-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
11-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
11-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 1 act read
Directors · office · real estate
Directors
2 directors, no change since 2023
BAEYENS Ingrid
CurrentDirector · since 23-11-2023
SCHOCKAERT Christiaan
CurrentDirector · since 23-11-2023
23-11-2023
BAEYENS Ingrid: Appointed as Director
23-11-2023
SCHOCKAERT Christiaan: Appointed as Director
Location & real-estate footprint
Registered office, Merelbeke-Melle · 1 establishment unit since 1999
Ground area
1,125 m²
Building footprint
177 m²
Volume, LiDAR
900 m³
Parcel 44412B0579/00K000, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Berkenhof 6, 9820 Merelbeke-Melle
since 19992.090.790.854
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44412B0579/00K000 | Flanders | 1,125 m² | 1 · 177 m² | 7.5 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.
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
HMSoft
BE 0835.185.044
Wezembeek-Oppem · Eq €313k
Office-It
BE 0876.855.551
Antwerpen · Eq €313k
REAL BYTES CONSULTING
BE 0816.917.865
Sint-Martens-Latem · Eq €313k
eConnect
BE 0878.996.182
Zottegem · Eq €313k
Process and Application Transformation Solutions
BE 0683.663.522
Ieper · Eq €312k
Of 3,203 companies in sector 62900 we hold annual accounts for 1,707. 1,218 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-02-1999
Fiscal year end30-09
Activities, NACEBEL
62900Other information technology and computer services
72600
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 1 actNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 20-07-2026. Scores and ratios are computed by Checked and are not a credit decision.