PROCAD
ActivePROCAD has been active since 1978 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €223k and a net result of €14k. Equity is growing by ~5.4% per year across the filed fiscal years. Its solvency ranks better than 95% of 17964 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
86
/ 100
Excellent▼ -5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability30▼-6
Solvency100=
Growth50=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity ample (current ratio 12.71 against 5.9 in 2024), and 7.8% 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+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
92.2%
Return on assets
5.6%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
71 d late
2023
58 d late
2022
90 d late
2021
31 d late
2020
60 d late
2019
91 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€128k▲ 2.6%
2021 · €125k
2018: €113k
2019: €113k
2020: €120k
2021: €125k
2018 → 2022
EBIT margin
0.6%▼ 25.5pp
2021 · 26.1%
2018: 19.8%
2019: 8.8%
2020: 17.6%
2021: 26.1%
2018 → 2022
Net result
€14k▼ 8.7%
2024 · €15k
2018: €22k
2019: €10k
2020: €21k
2021: €32k
2022: €-2k
2023: €13k
2024: €15k
2018 → 2025
Working capital
€221k▲ 7.9%
2024 · €205k
2018: €149k
2019: €158k
2020: €176k
2021: €204k
2022: €197k
2023: €207k
2024: €205k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€125k-€128k▲ 2.6%
Equity€210k-€201k▼ 4.1%€215k▲ 6.6%€210k▼ 2.4%€223k▲ 6.5%
Operating result€33k-€750▼ 97.7%€22k▲ 2,803%€22k▲ 2.8%€20k▼ 9.0%
Net result€32k-€-2k€13k€15k▲ 11.9%€14k▼ 8.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 9% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €242k
Fixed assets
€3k▼ 49.1%
Current assets
€239k▼ 2.8%
Equity and liabilities €242k
Equity
€223k▲ 6.5%
Debt
€19k▼ 54.8%
The debt ratio falls from 16.6% to 7.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€23k▼
2024 · €25k
Cash flow
€16k▼
2024 · €18k
Solvency
92.2%▲
2024 · 83.4%
Current ratio
12.71▲
2024 · 5.90
Quick ratio
12.71▲
2024 · 5.90
Debt / equity
0.08▼
2024 · 0.20
ROE
6.1%▼
2024 · 7.1%
ROA
5.6%▼
2024 · 5.9%
Interest coverage
47.05▲
2024 · 40.33
Debt
€19k▼
2024 · €42k
Debt ≤ 1 year
€19k▼
2024 · €42k
Income taxes
€8k▼
2024 · €8k
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€251k€242k▼
Fixed assets21/28€5k€3k▼
Tangible fixed assets22/27€5k€3k▼
Plant, machinery and equipment23€3k€1k▼
Furniture and vehicles24€3k€1k▼
Current assets29/58€246k€239k▼
Amounts receivable after more than one year29€68k€66k▼
Other amounts receivable291€68k€66k▼
Amounts receivable within one year40/41€33k€28k▼
Trade receivables40€14k€13k▼
Other amounts receivable41€19k€15k▼
Cash at bank and in hand54/58€145k€145k▲
Deferred charges and accrued income490/1€99€157▲
Equity and liabilities
Total equity and liabilities10/49€251k€242k▼
Equity10/15€210k€223k▲
Contributions10/11€19k€19k=
Reserves13€131k€205k▲
Non-distributable reserves130/1€12€12=
Reserves not available under the articles1311€12€12=
Distributable reserves133€131k€205k▲
Profit (loss) carried forward14€60k€0▼
Amounts payable17/49€42k€19k▼
Amounts payable within one year42/48€42k€19k▼
Trade debts44€8k€4k▼
Suppliers440/4€8k€4k▼
Taxes, remuneration and social security45€14k€15k▲
Taxes450/3€12k€13k▲
Remuneration and social security454/9€2k€2k▲
Other amounts payable47/48€20k€627▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▼
Other operating charges640/8€808€1k▲
Gross operating margin9900€26k€24k▼
Operating profit (loss)9901€22k€20k▼
Financial income75/76B€812€1k▲
Recurring financial income75€812€1k▲
Financial charges65/66B€624€486▼
Recurring financial charges65€624€486▼
Profit (loss) for the period before taxes9903€23k€21k▼
Income taxes67/77€8k€8k▼
Profit (loss) for the period9904€15k€14k▼
Profit (loss) for the period to be appropriated9905€15k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€75k€74k▼
Profit (loss) brought forward from the previous period14P€60k€60k=
Transfer from equity791/2€20k€0▼
Transfer to equity691/2€15k€74k▲
To other reserves6921€15k€74k▲
Profit to be distributed694/7€20k€0▼
Return on contributions (dividend)694€20k€0▼
The notes to these accounts (8 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 12.71
Current ratio from 5.90 to 12.71; short-term debt falls from €42k to €19k.
10-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 71 days late
2024
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 58 days late
2023
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
29-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 90 days late
2022
31-12
Financial
Weakest financial yearnet €-2k ▼106%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Highest result since 2018net €32k ▲52%
Operating result €33k, net result €32k, both a record.
31-12
Financial
Equity above €200kEq €210k ▲18.1%
4 profitable years in a row build equity to €210k.
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 60 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-12
Financial
Equity above €150kEq €157k ▲6.7%
2 profitable years in a row build equity to €157k.
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 59 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
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.
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Directors · office · real estate
Directors
1 act for this company is 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-Martens-Latem · 1 establishment unit since 1999
Ground area
1,738 m²
Building footprint
166 m²
Volume, LiDAR
1,138 m³
Parcel 44064B0337/00N002, Flanders · tallest building 12.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Golflaan 15, 9830 Sint-Martens-Latem
since 19992.014.622.197
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44064B0337/00N002 | Flanders | 1,738 m² | 1 · 166 m² | 12.3 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 3,211 companies in sector 47400 we hold annual accounts for 1,795. 1,330 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-03-1978
Fiscal year end31-12
Activities, NACEBEL
47400Retail sale of information and communication equipment
47410Retail trade
52487
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 46 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.