Equity
-€239
Debts exceed assets in financial year 2024.
REACTIVE SOLUTIONS
Lifetime
5 annual accounts with figures on one time axispeak €44,249 (2020)
-€8,728▼ €9,238
lowest -€11,722 (2023)
-€10,922▲ €800
peak €31,041 (2021)
-€239▼ €10,922
€2,204▼ 43.2%
Board2 names since 2019
1 directorGHANDOURI Hamza
Documentsfilings and deeds
27-10-202588 days late
2024micro format
Gross margin from €510 to -€8,728Loss of €10,922Equity from €10,683 to -€239Debts from €3,883 to €2,204Cash from €3,182 to €230
Key points
from the 2024 annual accountsLosses
-€31,279 in three years
Every financial year from 2022 to 2024 closed with a loss. 2023 was the heaviest.
Filings
5 annual accounts 101 days past the deadline
2025 accounts not filed: deadline was 31-07-2026.
Turnover not published (micro format)
Checked score
46
Fair
Financially stronger than 5% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
3.7% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,932 companies (NACE 62, micro).
About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025lowest value
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.2%▲ +0.1 percentage points vs 07-2025
09-2025: 0.3%▲ +0.1 percentage points vs 08-2025
10-2025: 0.6%▲ +0.3 percentage points vs 09-2025
11-2025: 1.6%▲ +1.0 percentage point vs 10-2025
12-2025: 2.0%▲ +0.4 percentage points vs 11-2025
01-2026: 2.2%▲ +0.2 percentage points vs 12-2025
02-2026: 2.2%● unchanged vs 01-2026
03-2026: 2.2%● unchanged vs 02-2026
04-2026: 2.2%● unchanged vs 03-2026
05-2026: 2.0%▼ -0.2 percentage points vs 04-2026
06-2026: 2.0%● unchanged vs 05-2026
07-2026: 2.1%▲ +0.1 percentage points vs 06-2026
08-2026: 2.4%▲ +0.3 percentage points vs 07-2026
09-2026: 2.7%▲ +0.3 percentage points vs 08-2026
10-2026: 3.7%▲ +1.0 percentage point vs 09-2026highest value
11-2026: 3.7%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
1 change of registered office in 24 months
Figures for financial year 2024 (filed on 04-11-2025)
1 financial year not filed after the legal deadline; last filed accounts filed 88 days late; 1 of the last 3 accounts late
lowers risk
Sector: Computer programming, consultancy and related activities (NACE 62)
Calculation
The band follows from the bankruptcy probability. 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). It does better than 7% of them on solvency, 6% on liquidity, 5% on profitability and 3% on growth.
The bankruptcy probability was computed on 08-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2024.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,008 companies had the same profile as REACTIVE SOLUTIONS has now. Each dot stands for 16 companies, two years later.
83.0%
were still trading
8.4%
stopped another way
7.9%
went bankrupt
Another 0.8% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of REACTIVE SOLUTIONS itself: 3.7% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,008 companies, not a prediction for REACTIVE SOLUTIONS. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
The balance sheet total is too small for a liquidity verdict. Equity is negative.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Seven signals.
lowers riskraises risk
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
2021222324
2020 to 2024 · latest year -€239
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 101 days later.
NBB · 5 filingsPosition against the passed deadline
31-12-2025 year end31-07-2026 deadline09-11-2026 today
raises risk · 2024 accounts filed 88 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-10-2025, 88 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 5 filingsDeviation from the deadline
2025
not filed
2024
88 days late
2023
30 days late
2022
66 days early
2021
60 days late
2020
18 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 5 accounts on average 26 days after the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (1)
Board and ownership
CI
CYBER IT
Director, BOUZAIENE Bilel
- Ghandouri Hamzadeed of 02-10-2025
- CYBER IT 100%deed of 02-10-2025
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0735622858
Registered office moved within Anderlecht
Transfer of shares from Ghandouri Hamza to CYBER IT · New registered office: chaussée de Mons 624, 1070 anderlecht · Previous registered office: Chaussée de Mons 1229, 1070 Anderlecht · General meeting of 01-04-2025 · Gazette deed
Incorporation
Founder: GHANDOURI Hamza · Founding capital of €2,500, 100 shares · Appointment: GHANDOURI Hamza (director) · published on 07-10-2019 · Gazette deed
First establishment
Bergense Steenweg 1229, Anderlecht
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| REACTIVE SOLUTIONS Anderlecht | €1,965 | -€8,728 | -12.2% | - |
| ForTrevo Belgium Lede | €2,076 | -€3,750 | -566.3% | - |
| CLOUDMENUS Lommel | €1,810 | -€41,473 | -1876.3% | - |
| Cifriko solvo Brussels | €1,597 | -€9,327 | -1336.6% | - |
| MAYDA Vilvoorde | €2,027 | -€5,672 | -2057.4% | - |
| ITGuide La Roche-en-Ardenne | €2,200 | -€4,145 | -552.9% | - |
| QNYTE Kalmthout | €1,437 | -€439 | -7421.0% | - |
These companies have the same main activity as REACTIVE SOLUTIONS: computer programming (NACE 62100). They are comparable in size and age: total assets between €1,440 and €2,200, founded between 2016 and 2021.
Official details
Source: KBO- Status
- Active since 03-10-2019Normal situation
- Registered office
- 29 active companies are registered at this address11 started in the 12 months before. Source: KBO register, as of 9 November 2026.
- Activity
- Computer programmingNACE 62100and 1 other
- Establishment unit
- 2.294.649.7171070 Anderlecht, since 03-10-2019
- Financial year end
- 31 December
- Peppol
- Reachable since 07-01-2026
Insights on REACTIVE SOLUTIONS
REACTIVE SOLUTIONS files the micro format. That format states no turnover. The gross margin fell from €44,249 in 2020 to -€8,728 in 2024.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about REACTIVE SOLUTIONS
- What is the company number of REACTIVE SOLUTIONS?
- The company number of REACTIVE SOLUTIONS is 0735.622.858. The VAT number is the same number with BE in front: BE 0735.622.858.
- Where is REACTIVE SOLUTIONS based?
- The registered office is at Bergense Steenweg 624, 1070 Anderlecht.Company details
- What does REACTIVE SOLUTIONS do?
- According to the KBO register, the main activity is computer programming (NACE 62100).
- What is the legal form of REACTIVE SOLUTIONS?
- REACTIVE SOLUTIONS is a private limited company (BV).
- When was REACTIVE SOLUTIONS founded?
- REACTIVE SOLUTIONS was founded on 03-10-2019.
- Is REACTIVE SOLUTIONS still active?
- Yes, REACTIVE SOLUTIONS is an active enterprise in the KBO register.
- What is the turnover of REACTIVE SOLUTIONS?
- The annual accounts for financial year 2024 state no turnover. The micro format does not require it.Financials
- Is REACTIVE SOLUTIONS profitable?
- In financial year 2024, REACTIVE SOLUTIONS made a loss of €10,922.
- Where can I find the annual accounts of REACTIVE SOLUTIONS?
- REACTIVE SOLUTIONS filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2024.
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark See what changed in the latest annual accounts.What changed
See how customers, suppliers and banks see your own company and what to improve first.