RazorAI
ActiveRazorAI has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €47k and a net result of €4k. Equity remains stable across the filed fiscal years (±2.4% per year). Its solvency ranks better than 95% of 16935 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
86
/ 100
Excellent▲ +24 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability41▲+41
Solvency100=
Growth78▲+46
Stability94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 29.71 against 3.78 in 2024), and 3% 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 · 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
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
97%
Return on assets
8%
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 24-08-2026, 24 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 · 3 filingsDeviation from the deadline
2025
24 d late
2024
40 d late
2023
30 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€47k▲ 9.0%
2024 · €43k
2023: €45k
2024: €43k
2023 → 2025
Total assets
€49k▼ 14.7%
2024 · €57k
2023: €68k
2024: €57k
2023 → 2025
Net result
€4k
2024 · €-2k
2023: €-268
2024: €-2k
2023 → 2025
Working capital
€42k▲ 10.2%
2024 · €38k
2023: €40k
2024: €38k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€45k-€43k▼ 3.9%€47k▲ 9.0%
Operating result€-199-€-1k▼ 609%€-2k▼ 21.5%
Net result€-268-€-2k▼ 557%€4k
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 €2k in 2025 against €1k in 2024; the loss grows and 2025 is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €49k
Fixed assets
€5k=
Current assets
€44k▼ 16.1%
Equity and liabilities €49k
Equity
€47k▲ 9.0%
Debt
€1k▼ 89.3%
The debt ratio falls from 24.1% to 3.0%: equity grows while debt is paid down.
Key figures and ratios
Solvency
97.0%▲
2024 · 75.9%
Current ratio
29.71▲
2024 · 3.78
Quick ratio
29.71▲
2024 · 3.78
Debt / equity
0.03▼
2024 · 0.32
ROE
8.3%▲
2024 · -4.1%
ROA
8.0%▲
2024 · -3.1%
Debt
€1k▼
2024 · €14k
Debt ≤ 1 year
€1k▼
2024 · €14k
Income taxes
€439
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€57k€49k▼
Fixed assets21/28€5k€5k=
Tangible fixed assets22/27€5k€5k=
Furniture and vehicles24€5k€5k=
Current assets29/58€52k€44k▼
Amounts receivable within one year40/41€57€30k▲
Trade receivables40-€677
Other amounts receivable41€57€30k▲
Current investments50/53€40k-
Cash at bank and in hand54/58€12k€13k▲
Equity and liabilities
Total equity and liabilities10/49€57k€49k▼
Equity10/15€43k€47k▲
Contributions10/11€3k€3k=
Reserves13€41k€45k▲
Distributable reserves133€41k€45k▲
Amounts payable17/49€14k€1k▼
Amounts payable within one year42/48€14k€1k▼
Trade debts44-€1k
Suppliers440/4-€1k
Taxes, remuneration and social security45-€389
Taxes450/3-€389
Other amounts payable47/48€14k-
Income statement
Code20242025
Other operating charges640/8-€400
Gross operating margin9900€-1k€-1k▲
Operating profit (loss)9901€-1k€-2k▼
Financial income75/76B-€7k
Recurring financial income75-€7k
Financial charges65/66B€347€1k▲
Recurring financial charges65€347€1k▲
Profit (loss) for the period before taxes9903€-2k€4k▲
Income taxes67/77-€439
Profit (loss) for the period9904€-2k€4k▲
Profit (loss) for the period to be appropriated9905€-2k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€4k▲
Transfer from equity791/2€2k-
Transfer to equity691/2-€4k
To other reserves6921-€4k
The notes to these accounts (3 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
31-12
Financial
Back to profitnet €4k
Net result €4k after 2 loss-making years.
31-12
Financial
Liquidity times 8current ratio 29.71
Current ratio from 3.78 to 29.71; short-term debt falls from €14k to €1k.
09-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 40 days late
2024
31-12
Financial
Weakest financial yearnet €-2k
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Leuven · 1 establishment unit since 2021
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.
Tervuursestraat 273000 LeuvenGround area
470 m²
Building footprint
517 m²
Volume, LiDAR
7,779 m³
Parcel 24504E0308/00N000, Flanders · tallest building 19.0 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
RazorAI
since 20212.321.490.409
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24504E0308/00N000 | Flanders | 470 m² | 1 · 517 m² | 19.0 m · 5 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.
Similar companies · same sector, comparable size
BLUECIE
BE 0634.969.126
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INIT CONSULT
BE 0860.658.630
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NIMBLE WYRM
BE 0800.759.348
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Consult DM
BE 0802.843.264
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OPEN SOLUTIONS
BE 0450.529.861
Sint-Lambrechts-Woluwe · Eq €47k
Of 29,889 companies in sector 62200 we hold annual accounts for 18,319. 15,215 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-09-2021
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
62010Computer programming, consultancy and related activities
62100Computer programming
70200Business and other management consultancy
70220Business consulting
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.