Pragmattic
ActivePragmattic has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-10k) and a net result of €-44k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 7% of 16989 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
30
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency7▼-66
Growth32=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.72 against 1.58 in 2024; short-term debt: 117.9% and cash: 17.7% of total assets), 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 2025Solvency, return and age of the figures
Solvency
-17.9%
Return on assets
-81.5%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
202122232425
2020 to 2025 · latest year €-10k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-08-2026, 10 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 · 6 filingsDeviation from the deadline
2025
10 d late
2024
9 d early
2023
27 d early
2022
31 d late
2021
30 d late
2020
25 d late
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-10k
2024 · €34k
2020: €78k
2021: €101k
2022: €154k
2023: €98k
2024: €34k
2020 → 2025
Total assets
€53k▼ 23.8%
2024 · €70k
2020: €100k
2021: €107k
2022: €202k
2023: €130k
2024: €70k
2020 → 2025
Net result
€-44k▲ 32.2%
2024 · €-64k
2020: €75k
2021: €23k
2022: €76k
2023: €-55k
2024: €-64k
2020 → 2025
Working capital
€-18k
2024 · €21k
2020: €71k
2021: €97k
2022: €145k
2023: €92k
2024: €21k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€101k-€154k▲ 52.6%€98k▼ 36.0%€34k▼ 65.4%€-10k
Operating result€30k-€99k▲ 232%€-51k€-57k▼ 11.9%€-43k▲ 25.0%
Net result€23k-€76k▲ 228%€-55k€-64k▼ 16.3%€-44k▲ 32.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €43k in 2025 against €57k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €53k
Fixed assets
€8k▼ 36.3%
Current assets
€45k▼ 21.0%
Key figures and ratios
EBITDA
€-38k▲
2024 · €-52k
Cash flow
€-39k▲
2024 · €-58k
Solvency
-17.9%▼
2024 · 48.5%
Current ratio
0.72▼
2024 · 1.58
Quick ratio
0.72▼
2024 · 1.58
Debt / equity
-6.59▼
2024 · 1.06
ROA
-81.5%▲
2024 · -91.6%
Interest coverage
-228.05▼
2024 · -29.85
Debt
€63k▲
2024 · €36k
Debt ≤ 1 year
€63k▲
2024 · €36k
Income taxes
€292▼
2024 · €7k
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€70k€53k▼
Fixed assets21/28€13k€8k▼
Tangible fixed assets22/27€13k€8k▼
Furniture and vehicles24€13k€8k▼
Current assets29/58€57k€45k▼
Amounts receivable within one year40/41€11k€36k▲
Trade receivables40€10€24k▲
Other amounts receivable41€11k€11k▲
Cash at bank and in hand54/58€46k€9k▼
Deferred charges and accrued income490/1€144-
Equity and liabilities
Total equity and liabilities10/49€70k€53k▼
Equity10/15€34k€-10k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€32k€-12k▼
Amounts payable17/49€36k€63k▲
Amounts payable within one year42/48€36k€63k▲
Trade debts44€73€23k▲
Suppliers440/4€73€23k▲
Taxes, remuneration and social security45€543€588▲
Taxes450/3€543€588▲
Other amounts payable47/48€36k€39k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€5k▼
Other operating charges640/8€539-
Gross operating margin9900€-51k€-38k▲
Operating profit (loss)9901€-57k€-43k▲
Financial income75/76B€2k-
Recurring financial income75€2k-
Financial charges65/66B€2k€169▼
Recurring financial charges65€2k€169▼
Profit (loss) for the period before taxes9903€-58k€-43k▲
Income taxes67/77€7k€292▼
Profit (loss) for the period9904€-64k€-44k▲
Profit (loss) for the period to be appropriated9905€-64k€-44k▲
Appropriation of the result
Profit (loss) to be appropriated9906€32k€-12k▼
Profit (loss) brought forward from the previous period14P€96k€32k▼
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
Next filing, fiscal year 2026, expected by
2026
10-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 10 days late
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-64k
Net result drops to €-64k, the lowest in the series; recovery starts the following year.
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Highest result since 2020net €76k ▲228%
Operating result €99k, net result €76k, both a record.
31-12
Financial
Equity above €150kEq €154k ▲52.6%
3 profitable years in a row build equity to €154k.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Liquidity quadruplescurrent ratio 17.48
Current ratio from 4.20 to 17.48; short-term debt falls from €22k to €6k.
31-12
Financial
Equity above €100kEq €101k ▲29.9%
2 profitable years in a row build equity to €101k.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Sint-Genesius-Rode · 1 establishment unit since 2020
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.
Sneppenlaan 161640 Sint-Genesius-RodeGround area
4,146 m²
Building footprint
312 m²
Parcel 22552F0002/00T090, Flanders. Linked by address, not a title deed.
1 establishment unit
Pragmattic
since 20202.302.133.167
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22552F0002/00T090 | Flanders | 4,146 m² | 1 · 312 m² | - |
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 29,995 companies in sector 62200 we hold annual accounts for 18,391. 14,600 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-05-2020
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
62010Computer programming, consultancy and related activities
62900Other information technology and computer services
62100Computer programming
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:pragmatticworks@gmail.com