PROBLEM SOLVED
ActivePROBLEM SOLVED has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €64k and a net result of €17k. Equity is growing by ~17.8% per year across the filed fiscal years. Its solvency ranks better than 44% of 16860 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +14 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency96▲+15
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 2.53 against 1.87 in 2024), and 47% 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
53%
Return on assets
14.2%
Age of the figures
14 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 27-01-2026, 4 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
4 d early
2024
1 d early
2023
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close10-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€64k▲ 25.5%
2024 · €51k
2023: €46k
2024: €51k
2023 → 2025
Total assets
€122k▼ 5.2%
2024 · €128k
2023: €66k
2024: €128k
2023 → 2025
Net result
€17k▲ 23.8%
2024 · €14k
2023: €17k
2024: €14k
2023 → 2025
Working capital
€43k▲ 33.1%
2024 · €33k
2023: €33k
2024: €33k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€46k-€51k▲ 11.3%€64k▲ 25.5%
Operating result€26k-€23k▼ 13.7%€29k▲ 25.7%
Net result€17k-€14k▼ 17.8%€17k▲ 23.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 26% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €122k
Fixed assets
€50k▼ 14.0%
Current assets
€72k▲ 2.2%
Equity and liabilities €122k
Equity
€64k▲ 25.5%
Debt
€57k▼ 25.6%
The debt ratio falls from 59.9% to 47.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€40k▲
2024 · €33k
Cash flow
€29k▲
2024 · €24k
Solvency
53.0%▲
2024 · 40.1%
Current ratio
2.53▲
2024 · 1.87
Quick ratio
2.53▲
2024 · 1.87
Debt / equity
0.89▼
2024 · 1.50
ROE
26.8%▼
2024 · 27.2%
ROA
14.2%▲
2024 · 10.9%
Interest coverage
13.18▼
2024 · 16.45
Debt
€57k▼
2024 · €77k
Debt ≤ 1 year
€28k▼
2024 · €38k
Debt > 1 year
€29k▼
2024 · €39k
Income taxes
€9k▲
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€128k€122k▼
Fixed assets21/28€58k€50k▼
Tangible fixed assets22/27€58k€50k▼
Plant, machinery and equipment23€9k€8k▼
Furniture and vehicles24€49k€41k▼
Financial fixed assets28€250€250=
Current assets29/58€70k€72k▲
Amounts receivable within one year40/41€53k€52k▼
Trade receivables40€35k€32k▼
Other amounts receivable41€18k€20k▲
Cash at bank and in hand54/58€8k€14k▲
Deferred charges and accrued income490/1€8k€5k▼
Equity and liabilities
Total equity and liabilities10/49€128k€122k▼
Equity10/15€51k€64k▲
Contributions10/11€1k€1k=
Reserves13€50k€63k▲
Distributable reserves133€50k€63k▲
Amounts payable17/49€77k€57k▼
Amounts payable after more than one year17€39k€29k▼
Financial debts170/4€39k€29k▼
Amounts payable within one year42/48€38k€28k▼
Current portion of amounts payable after more than one year42€11k€10k▼
Financial debts43€11k€11k=
Other loans439€11k€11k=
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€4k€4k▼
Taxes450/3€4k€4k▼
Other amounts payable47/48€9k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€11k▲
Other operating charges640/8€760€1k▲
Gross operating margin9900€34k€41k▲
Operating profit (loss)9901€23k€29k▲
Financial income75/76B€26€990▲
Recurring financial income75€26€990▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€21k€27k▲
Income taxes67/77€7k€9k▲
Profit (loss) for the period9904€14k€17k▲
Profit (loss) for the period to be appropriated9905€14k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€14k€17k▲
Transfer from equity791/2-€4k
Transfer to equity691/2€5k€17k▲
To other reserves6921€5k€17k▲
Profit to be distributed694/7€9k€4k▼
Return on contributions (dividend)694€9k€4k▼
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
Next filing, fiscal year 2026, expected by
2026
27-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2023net €17k ▲23.8%
Operating result €29k, net result €17k, both a record.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet €14k ▼17.8%
Net result drops to €14k, the lowest in the series; recovery starts the following year.
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Grimbergen · 1 establishment unit since 2010
Ground area
1,133 m²
Building footprint
117 m²
Volume, LiDAR
660 m³
Parcel 23036C0154/00P000, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Problem Solved
since 20102.194.194.438
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23036C0154/00P000 | Flanders | 1,133 m² | 1 · 117 m² | 9.4 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 29,870 companies in sector 62200 we hold annual accounts for 18,318. 15,454 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-12-2010
Fiscal year end30-06
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
62900Other information technology and computer services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.