PROBLEM SOLVED
ActiveSummary
PROBLEM SOLVED has been active since 2010 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €64,492 and a net result of €17,315. Equity is growing by about 18% per year across the filed financial years. Its solvency ranks better than 44% of 21,070 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
- Equity
- €64,492
- Profit
- €17,315
Why 94lowers riskSector: Computer programming, consultancy and related activities (NACE 62)Liquidity: current ratio 2.53, cash €14,006Equity €64,492 (53.0% of total assets)Founded in 2010Show the evidence
Checked score
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro): better than 46% on solvency, 38% on liquidity, 49% on profitability and 69% on growth.
The bankruptcy probability was computed on 25-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
This company filed its last 3 accounts on average 2 days before the deadline; the sector median (NACE 62) for financial year 2024 is 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · micro…
- Highest result from 2023 to 2025net €17,315 ▲23.8%
- Annual accounts filedfinancial year 2024 · micro…
Financials · financial year 2025, micro format
2023 to 2025, 3 financial years
The operating result recovers in 2025; 2025 is 26% above 2024 and is the highest result in the available series.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 62, Computer programming, consultancy and related activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Peer companies
Historical observationOf the 34,695 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 95.3% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,475 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 34,695 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,021 | €10,297 | €11,208 | ▲ 8.9% |
| Other operating charges640/8 | €594 | €760 | €1,090 | ▲ 43.6% |
| Gross operating margin9900 | €33,054 | €33,882 | €40,989 | ▲ 21.0% |
| Operating profit (loss)9901 | €26,439 | €22,825 | €28,691 | ▲ 25.7% |
| Financial income75/76B | €8 | €26 | €990 | ▲ 38× |
| Recurring financial income75 | €8 | €26 | €990 | ▲ 38× |
| Financial charges65/66B | €371 | €2,013 | €3,026 | ▲ 50.3% |
| Recurring financial charges65 | €371 | €2,013 | €3,026 | ▲ 50.3% |
| Profit (loss) for the period before taxes9903 | €26,076 | €20,838 | €26,655 | ▲ 27.9% |
| Income taxes67/77 | €9,054 | €6,849 | €9,340 | ▲ 36.4% |
| Profit (loss) for the period9904 | €17,021 | €13,989 | €17,315 | ▲ 23.8% |
| Profit (loss) for the period to be appropriated9905 | €17,021 | €13,989 | €17,315 | ▲ 23.8% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €66,258 | €128,295 | €121,684 | ▼ 5.2% |
| Fixed assets21/28 | €14,524 | €58,159 | €50,037 | ▼ 14.0% |
| Tangible fixed assets22/27 | €14,274 | €57,909 | €49,787 | ▼ 14.0% |
| Plant, machinery and equipment23 | €167 | €8,527 | €8,388 | ▼ 1.6% |
| Furniture and vehicles24 | €14,107 | €49,382 | €41,400 | ▼ 16.2% |
| Financial fixed assets28 | €250 | €250 | €250 | = |
| Current assets29/58 | €51,734 | €70,136 | €71,647 | ▲ 2.2% |
| Amounts receivable within one year40/41 | €20,427 | €53,430 | €52,256 | ▼ 2.2% |
| Trade receivables40 | €18,481 | €35,019 | €32,172 | ▼ 8.1% |
| Other amounts receivable41 | €1,946 | €18,410 | €20,084 | ▲ 9.1% |
| Cash at bank and in hand54/58 | €24,887 | €8,386 | €14,006 | ▲ 67.0% |
| Deferred charges and accrued income490/1 | €6,420 | €8,321 | €5,385 | ▼ 35.3% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €66,258 | €128,295 | €121,684 | ▼ 5.2% |
| Equity10/15 | €46,169 | €51,388 | €64,492 | ▲ 25.5% |
| Contributions10/11 | €1,000 | €1,000 | €1,000 | = |
| Reserves13 | €45,169 | €50,388 | €63,492 | ▲ 26.0% |
| Distributable reserves133 | €45,169 | €50,388 | €63,492 | ▲ 26.0% |
| Amounts payable17/49 | €20,089 | €76,907 | €57,192 | ▼ 25.6% |
| Amounts payable after more than one year17 | €1,608 | €39,330 | €28,880 | ▼ 26.6% |
| Financial debts170/4 | €1,608 | €39,330 | €28,880 | ▼ 26.6% |
| Amounts payable within one year42/48 | €18,480 | €37,577 | €28,312 | ▼ 24.7% |
| Current portion of amounts payable after more than one year42 | €3,799 | €11,481 | €10,450 | ▼ 9.0% |
| Financial debts43 | €11,000 | €11,000 | €11,000 | = |
| Other loans439 | €11,000 | €11,000 | €11,000 | = |
| Trade debts44 | €838 | €1,895 | €2,718 | ▲ 43.4% |
| Suppliers440/4 | €838 | €1,895 | €2,718 | ▲ 43.4% |
| Taxes, remuneration and social security45 | €2,206 | €4,432 | €4,145 | ▼ 6.5% |
| Taxes450/3 | €2,206 | €4,432 | €4,145 | ▼ 6.5% |
| Other amounts payable47/48 | €637 | €8,770 | - | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €17,021 | €13,989 | €17,315 | ▲ 23.8% |
| + Depreciation and write-downs630 | €6,021 | €10,297 | €11,208 | ▲ 8.9% |
| Operating cash flow (approximation) | €23,043 | €24,286 | €28,523 | ▲ 17.4% |
| Investment in fixed assets (approximation) | - | -€53,932 | -€3,087 | ▲ 94.3% |
| Change in cash | - | -€16,501 | €5,620 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (3)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 30-06-2025 | micro format | 27-01-2026 | 2026-00015468 |
| 30-06-2024 | micro format | 30-01-2025 | 2025-00017891 |
| 30-06-2023 | micro format | 30-01-2024 | 2024-00015629 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Not every act has been read: a resignation may still be missing
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| KERREMANS Tom Stefan Madeleine |
|
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
Group and network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
03-07
Gazette deed
Resignation: KERREMANS Tom Stefan Madeleine (zaakvoerder beherend vennoot)Appointment: KERREMANS Tom Stefan Madeleine (director) · Amendment of the articles · Registered-office move18 facts ▸
- General meeting, 28-06-2023
- Amendment of the articles (2 times)
- Registered-office move, Vlaams Gewest
- Other provision, “ontslag voorzitter van voorlezing bijzonder verslag bestuursorgaan over wijziging voorwerp” (deed in Dutch)
- Purpose change
- Capital conversion, “statutair onbeschikbare eigenvermogensrekening” (deed in Dutch)
- Reserve release, “opheffing statutair onbeschikbare eigen vermogensrekening, artikel 39,§2,tweede lid” (deed in Dutch)
- Other provision, “ontslag voorzitter van voorlezing bijzonder verslag bestuursorgaan overeenkomstig artikel 14:5 WVV over voorstel omzetting in besloten vennootschap, staat van a…” (deed in Dutch)
- Net-asset statement, 31-03-2023
- Auditor report, “Mechelen, omzetting GCV naar BV” (deed in Dutch)
- Other provision, “verslag bedrijfsrevisor omzetting” (deed in Dutch)
- Registered office clause, “1851 Grimbergen (Humbeek),Steeneikstraat 24” (deed in Dutch)
- +6 further facts in this act
About the unread acts
Of the 3 Belgian Official Gazette deeds we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 25 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 23036C0154/00P000 | Flanders | 1,133 m² | 1 · 117 m² | 9.4 m · 2 |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “Consulting aan bedrijven bij aan- en verkoop; gebruik van installaties van informatica-, burotica-, audio-, video- en…” (deed in Dutch)
20 activities (deed in Dutch)
- Consulting aan bedrijven bij aan- en verkoop; gebruik van installaties van informatica-, burotica-, audio-, video- en automatiseringsmaterieel in de breedste zin van het woord, onder andere consulting, projectleiding, teamleiding, analyse, audit en evaluatie, ontwerp, creatie, programmatie en systeembeheer.
- Consulting, ontwerp, installatie, onderhoud en reparatie van elektrische installaties en domotica.
- Consulting aan bedrijven bij het bepalen van een strategie en bij het uitdenken en uitwerken van totaaloplossingen inzake informatisering en automatisering, zowel hard- als software.
- Ontwerp, creatie, realisatie, uitbating en commercialisatie van elektronische ontmoetingsplaatsen, onder andere websites en webservers, voor derden en voor eigen rekening.
- Consulting op het gebied van bedrijfsorganisatie, bedrijfsreorganisatie, personeelszaken, bedrijfsinformatisering en automatisering.
- Uitoefenen van managementtaken bij bedrijven.
- Ontwerpen, geven en organiseren van presentaties, opleidingen, lezingen, seminaries, workshops, beurzen of andere privé, besloten of publieke evenementen.
- Invoer, uitvoer, doorvoer, aankoop, verkoop, ontvangst, expeditie, opslag, bewaring, in- en uitklaring, vertolling, makelarij, voorlegging, behandeling, zowel groot- en kleinhandel, van informatie-, elektronica-, audio-, video-, burotica- en automatiseringsmateriaal in de breedste zin van het woord.
- Schrijven, publiceren en uitgeven van artikels, tijdschriften en boeken, alsook het gewoon verstrekken van informatie, via media van alle aard.
- Onderzoekwerkzaamheden ondernemen in verband met producten, procedures, concepten, methodologieën, procedures en oplossingen, alsook patenten, brevetten en merken verwerven, uitbaten en verkopen.
- Publiciteitsonderneming, in eerste instantie van elektronische media.
- Het werken van documenten voor drukwerk, en die dus meestal bestemd zijn voor publicatie, zoals boeken, tijdschriften, brochures, internetpublicaties, en dergelijke.
- Het verkopen en ondersteunen van software, al dan niet zelf ontwikkeld.
- Het nemen van participaties in andere vennootschappen, al dan niet met een verschillend voorwerp, met de mogelijkheid deze eveneens te beheren.
- Het verlenen van ICT-gerelateerde diensten.
- Het verwerven door aankoop of anderszins, het verkopen, ruilen, bouwen, verbeteren, uitrusten, aanpassen, verfraaien, onderhouden, verhuren, huren, verkavelen, prospecteren en uitbaten van onroerende goederen en zakelijke rechten, alsmede alle handelingen die rechtstreeks of onrechtstreeks hiermee in verband staan en die van aard zijn de uitbreiding en de opbrengst van de onroerende goederen te bevorderen.
- Het opbouwen en verhandelen van een roerend patrimonium.
- De charter, huur, verhuur, aankoop, verkoop, invoer, uitvoer van mobilhomes, sport- en pleziervaartuigen, evenals van auto’s en alle ander rollend materieel en motorvoertuigen, evenals van al hun onderdelen, benodigdheden en toebehoren.
- Activiteiten van grafisch ontwerp en vormgeving, offset, zeefdruk, zetwerk.
- Activiteiten op het vlak van marketing en publiciteit, in de ruime zin van het woord.
- Name clauseThe name the company operates under according to its articles.
- PROBLEM SOLVED
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Vlaams Gewest, voor zover geen wijziging taal statuten vereist door taalwetgeving” (deed in Dutch)
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- Each director alone
- Board ruleHow the board is made up, meets and takes decisions.
- “Met of zonder beperking van duur, onbepaalde duur bij gebrek bepaling” (deed in Dutch)“Eigen stem plus evenveel als volmachten, alle handelingen nodig of dienstig voor verwezenlijking voorwerp behalve wet of statuten aan…” (deed in Dutch)
Capital, shares and profit
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- “Nietigheid, bestuursorgaan” (deed in Dutch)
- Share issue ruleHow and by whom new shares can be issued.
- “Bestaande aandeelhouders, dag van openstelling inschrijving” (deed in Dutch)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Third Friday of December at 20:00
Oversight and winding up
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Beslissing algemene vergadering met vereisten statutenwijziging, elk moment” (deed in Dutch)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Één of meer vereffenaars door algemene vergadering bij ontbinding met vereffening,behalve bij procedure in één akte, algemene vergadering…” (deed in Dutch)