POSGARD
ActivePOSGARD has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €202k and a net result of €14k. Equity is growing by ~9.4% per year across the filed fiscal years. Its solvency ranks better than 57% of 480 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability74▲+22
Solvency81▲+7
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 1.67 against 1.33 in 2023; short-term debt: 43.7% and cash: 3.5% of total assets), and 43.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 63
Relative position
BE, all sectors
reference
Sector 63
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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
61 d late
2023
58 d late
2022
32 d late
2021
31 d late
2020
87 d early
2019
91 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€202k▲ 7.7%
2023 · €187k
2018: €99k
2019: €128k
2020: €143k
2021: €183k
2022: €239k
2023: €187k
2018 → 2024
Total assets
€359k▼ 6.9%
2023 · €385k
2018: €584k
2019: €635k
2020: €547k
2021: €500k
2022: €380k
2023: €385k
2018 → 2024
Net result
€14k
2023 · €-52k
2018: €-43k
2019: €17k
2020: €15k
2021: €40k
2022: €57k
2023: €-52k
2018 → 2024
Working capital
€106k▲ 61.9%
2023 · €65k
2018: €-312k
2019: €-249k
2020: €-152k
2021: €23k
2022: €177k
2023: €65k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€143k-€183k▲ 27.7%€239k▲ 31.1%€187k▼ 21.7%€202k▲ 7.7%
Operating result€24k-€41k▲ 72.7%€71k▲ 74.6%€68k▼ 4.7%€12k▼ 81.9%
Net result€15k-€40k▲ 160%€57k▲ 43.7%€-52k€14k
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 has fallen two years in a row; 2024 is 82% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €359k
Fixed assets
€96k▼ 21.2%
Current assets
€262k▼ 0.2%
Equity and liabilities €359k
Equity
€202k▲ 7.7%
Debt
€157k▼ 20.7%
The debt ratio falls from 51.3% to 43.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€50k▼
2023 · €128k
Cash flow
€52k▲
2023 · €8k
Solvency
56.3%▲
2023 · 48.7%
Current ratio
1.67▲
2023 · 1.33
Quick ratio
0.99▲
2023 · 0.72
Debt / equity
0.78▼
2023 · 1.06
ROE
7.2%▲
2023 · -27.8%
ROA
4.0%▲
2023 · -13.5%
Interest coverage
15.41▼
2023 · 20.67
Debt
€157k▼
2023 · €198k
Debt ≤ 1 year
€157k▼
2023 · €198k
Income taxes
€249▼
2023 · €564
Staff costs
€188k▲
2023 · €166k
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€385k€359k▼
Fixed assets21/28€122k€96k▼
Intangible fixed assets21€19k€6k▼
Tangible fixed assets22/27€100k€86k▼
Land and buildings22-€3k
Plant, machinery and equipment23€719€2k▲
Furniture and vehicles24€99k€82k▼
Financial fixed assets28€4k€4k=
Current assets29/58€263k€262k▼
Stocks and contracts in progress3€120k€107k▼
Stocks30/36€120k€107k▼
Amounts receivable within one year40/41€116k€137k▲
Trade receivables40€115k€137k▲
Other amounts receivable41€1k-
Cash at bank and in hand54/58€26k€13k▼
Deferred charges and accrued income490/1-€6k
Equity and liabilities
Total equity and liabilities10/49€385k€359k▼
Equity10/15€187k€202k▲
Contributions10/11€219k€219k=
Reserves13€21k€21k=
Distributable reserves133€21k€21k=
Profit (loss) carried forward14€-52k€-37k▲
Amounts payable17/49€198k€157k▼
Amounts payable within one year42/48€198k€157k▼
Current portion of amounts payable after more than one year42€3k-
Financial debts43-€4k
Credit institutions430/8-€4k
Trade debts44€99k€98k▼
Suppliers440/4€99k€98k▼
Taxes, remuneration and social security45€58k€45k▼
Taxes450/3€40k€24k▼
Remuneration and social security454/9€18k€21k▲
Other amounts payable47/48€38k€10k▼
Income statement
Code20232024
Remuneration, social security and pensions62€166k€188k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€60k€38k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€330-
Other operating charges640/8€11k€8k▼
Gross operating margin9900€306k€247k▼
Operating profit (loss)9901€68k€12k▼
Financial income75/76B€4k€6k▲
Recurring financial income75€4k€6k▲
Financial charges65/66B€123k€3k▼
Recurring financial charges65€6k€3k▼
Non-recurring financial charges66B€117k-
Profit (loss) for the period before taxes9903€-52k€15k▲
Income taxes67/77€564€249▼
Profit (loss) for the period9904€-52k€14k▲
Profit (loss) for the period to be appropriated9905€-52k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-52k€-37k▲
Profit (loss) brought forward from the previous period14P€150€-52k▼
Social balance
Average headcount (FTE)90873.64.0▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 61 days late
2024
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
31-12
Financial
Equity above €200kEq €202k ▲7.7%
Equity rises from €187k to €202k.
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 58 days late
2023
31-12
Financial
Weakest financial yearnet €-52k ▼192%
Net result drops to €-52k, the lowest in the series; recovery starts the following year.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Highest result since 2018net €57k ▲43.7%
Operating result €71k, net result €57k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 2.36
Current ratio from 1.08 to 2.36; short-term debt falls from €303k to €130k.
31-12
Financial
Equity above €200kEq €239k ▲31.1%
4 profitable years in a row build equity to €239k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Equity above €150kEq €183k ▲27.7%
3 profitable years in a row build equity to €183k.
05-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
31-12
Financial
Equity above €100kEq €128k ▲29.7%
Equity rises from €99k to €128k.
13-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 120 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Kontich · 1 establishment unit since 2009
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.
Michel Geysemansstraat 12550 KontichGround area
1.5 ha
Building footprint
5,842 m²
Volume, LiDAR
37,145 m³
Parcel 11048A0022/00F000, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
POSGARD
since 20092.177.054.043
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11048A0022/00F000 | Flanders | 1.5 ha | 1 · 5,842 m² | 8.0 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 149 EUR awarded · 149 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 149 EUR | 149 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Dual-learning approval
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INNOVATIO
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Of 2,791 companies in sector 63910 we hold annual accounts for 700. 482 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-01-2009
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.