Checked.be
Active
BE 0465.557.240Private limited company
POINTER
Berkenhof 6 ·9820 Merelbeke-Melle, Belgium· 27 yrs active
Sector: Other information technology and computer services
(62900)
Conclusion
POINTER 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 (±1.6% per year). Its solvency ranks better than 74% of 16691 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Based on the State Gazette, CBE and 6 annual accounts.
Key figures
| Equity | €313k |
| Net result | €55k |
| Better than sector | 74% |
| Active | 27 yrs |
Financial profile
92
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
93
Profitability
87
Solvency
100
Growth
78
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Long-established
Founded in 1999, 27 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
93
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€30k
estimate, not credit advice
Score history
75
2020
75
2021
100
2022
93
2023
98
2024
93
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 4.93 (≥ 1.5)
+10
Quick ratio
Quick ratio 4.93 (≥ 1.0)
+5
Leverage
Debt/equity 0.25 (< 1.0)
+10
Profitability
ROE 17% (≥ 10%)
+10
Interest coverage
Interest coverage 325.7× (≥ 3×)
+8
Profit trend
Net profit down YoY
-3
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 15-04-2026 with the NBB · fiscal year 2025 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Net result: growth of ~7.5%/year over 6 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 62, Computer programming, consultancy and related activities · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 80.3% | 60.0% | |
| Net result | €55k | €29k | |
| Equity | €313k | €72k | |
| Gross operating margin | €75k | €55k | |
| Total assets | €390k | €141k |
€74k
-35.3%
20-25
€55k
-36.7%
20-25
€63k
-33.2%
20-25
€390k
+0.6%
20-25
€313k
+4.8%
20-25
€302k
+7.9%
20-25
€21k
-23.6%
20-25
€40k
-65.9%
20-25
€77k
-13.4%
20-25
€77k
-13.4%
20-25
4.93
+18.7%
20-25
4.93
+18.7%
20-25
80.3%
+4.1%
20-25
0.25
-17.4%
20-25
17.4%
-39.5%
20-25
14.0%
-37.0%
20-25
325.67
+80.2%
20-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - | - |
| EBITDA | €74k | €114k | €86k | €112k | €71k |
| Net profit | €55k | €86k | €51k | €74k | €39k |
| Cash flow | €63k | €95k | €69k | €88k | €54k |
| Staff costs | - | - | - | - | - |
| Income taxes | €21k | €28k | €18k | €24k | €15k |
| Dividends | €40k | €118k | €21k | €36k | €31k |
| Total assets | €390k | €388k | €423k | €408k | €350k |
| Equity | €313k | €299k | €340k | €319k | €290k |
| Debt | €77k | €89k | €83k | €89k | €60k |
| of which ≤ 1y | €77k | €89k | €83k | €89k | €60k |
| of which > 1y | - | - | - | - | - |
| Working capital | €302k | €280k | €307k | €268k | €237k |
| Employees (FTE) | - | - | - | - | - |
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Current ratio | 4.93 | 4.15 | 4.71 | 4.02 | 4.98 |
| Quick ratio | 4.93 | 4.15 | 4.71 | 4.02 | 4.98 |
| Working capital ratio | 77.3% | 72.1% | 72.6% | 65.6% | 67.7% |
| Solvency | 80.3% | 77.1% | 80.4% | 78.3% | 82.9% |
| Debt / equity | 0.25 | 0.30 | 0.24 | 0.28 | - |
| Long-term debt ratio | - | - | - | - | - |
| Interest coverage | 325.67 | 180.74 | 585.44 | 110.25 | - |
| Gross margin | - | - | - | - | - |
| Net margin | - | - | - | - | - |
| ROA | 14.0% | 22.2% | 12.0% | 18.0% | 11.1% |
| ROE | 17.4% | 28.8% | 15.0% | 23.1% | 13.4% |
| EBITDA margin | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - |
| Days inventory (DSI) | - | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (22 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €390k | €388k | €423k | €408k | €350k |
| Fixed assets | 21/28 | €12k | €19k | €33k | €51k | €53k |
| Tangible fixed assets | 22/27 | €12k | €19k | €33k | €51k | €53k |
| Current assets | 29/58 | €379k | €369k | €390k | €356k | €297k |
| Amounts receivable within one year | 40/41 | €36k | €23k | €17k | €24k | €18k |
| Investments | 50/53 | €72k | €82k | €72k | €42k | €10k |
| Cash & bank | 54/58 | €126k | €105k | €298k | €290k | €269k |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €390k | €388k | €423k | €408k | €350k |
| Equity | 10/15 | €313k | €299k | €340k | €319k | €290k |
| Contributions / capital | 10/11 | €12k | €12k | €12k | €12k | - |
| Reserves | 13 | €301k | €287k | €328k | €307k | €278k |
| Amounts payable | 17/49 | €77k | €89k | €83k | €89k | €60k |
| Amounts payable within one year | 42/48 | €77k | €89k | €83k | €89k | €60k |
| Trade debts payable within one year | 44 | €1k | €4k | €8k | €4k | €2k |
| Income statement | ||||||
| Gross operating margin | 9900 | €75k | €116k | €86k | €113k | €74k |
| Operating result | 9901 | €65k | €106k | €68k | €98k | €55k |
| Financial income | 75 | €11k | €9k | €538 | €953 | - |
| Financial charges | 65 | €227 | €633 | €147 | €1k | €2k |
| Result before taxes | 9903 | €76k | €114k | €69k | €98k | €54k |
| Income taxes | 67/77 | €21k | €28k | €18k | €24k | €15k |
| Net result for the period | 9904 | €55k | €86k | €51k | €74k | €39k |
| Result to be appropriated | 9905 | €55k | €86k | €51k | €74k | €39k |
Directors & mandates
Current directors & mandates
-
BAEYENS IngridDirectorState Gazette act 23433785 (23-11-2023)Current23-11-2023 → present
-
SCHOCKAERT ChristiaanDirectorState Gazette act 23433785 (23-11-2023)Current23-11-2023 → present
Legal Structure
| NACE primary | Other information technology and computer services(62900) |
| Legal form | Private limited company(610) |
| Incorporation | 26-02-1999 |
| Status | Active |
| Postal code | 9820 |
Establishment units
Berkenhof 6, 9820 Merelbeke-Melle
since 19992.090.790.854
Real-estate footprint
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44412B0579/00K000 | Flanders | 1,125 m² | 1 · 177 m² | 7.5 m · 2 fl. |
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.
Updates
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 2020net €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
30-09
Financial
Weakest financial yearnet €39k ▼3.6%
Net result drops to €39k, the lowest in the series; recovery starts the following year.
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.
Belgian State Gazette reading coverage
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Belgisch Staatsblad, acts
All acts · 1
updated 2 years ago
2023
23-11-2023 2 directors appointed
- SCHOCKAERT Christiaan, Bestuurder
- BAEYENS Ingrid, Bestuurder
Summary:
v3.2
Technical details
{
"events": [
{
"kind": "director_in",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "SCHOCKAERT Christiaan",
"address": null,
"birth_date": null
}
},
{
"kind": "director_in",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "BAEYENS Ingrid",
"address": null,
"birth_date": null
}
}
],
"schema": "v3.2",
"act_meta": {
"extractor": "qwen3-30b-a3b"
},
"subject_company": {
"kbo": "0465.557.240",
"name_full": "POINTER"
}
}Credit advice
Company registry (CBE)
Activities
Other information technology and computer services6290072600
Names & trade names
| Legal nameNL | POINTER |
Similar companies
HMSoft
BE 0835.185.044 · Wezembeek-Oppem
Office-It
BE 0876.855.551 · Antwerpen
REAL BYTES CONSULTING
BE 0816.917.865 · Sint-Martens-Latem
eConnect
BE 0878.996.182 · Zottegem
Process and Application Transformation Solutions
BE 0683.663.522 · Ieper